Cash flow Bajaj Housing Finance Limited

Stocks

BAJAJHFL

INE377Y01014

Consumer Lending

Delayed NSE India S.E. Other stock markets 09:40:33 22/07/2026 am IST			5-day change	1st Jan Change
85.69 ^INR	-0.56%		-2.08%	-9.21%

16/07	India's SBI Funds Management draws $31 billion in country's fourth-most-bid IPO	RE
06/07	India new issue - L&T Finance accepts bids for dual-tranche bonds, bankers say	RE

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Published financial data: BAJAJ HOUSING FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest and Dividend Income, Total	3.48TCr	5.27TCr	7.2TCr	8.99TCr	11TCr
Interest Expense, Total	2.15TCr	3.21TCr	4.69TCr	5.98TCr	6.76TCr
Net Interest Income	1.33TCr	2.06TCr	2.51TCr	3.01TCr	3.75TCr
Commission and Fees	219.19Cr	136.51Cr	190.71Cr	201.18Cr	297.11Cr
Other Revenues, Total	59Cr	134.8Cr	53Cr	176.57Cr	215.92Cr
Revenues Before Provison For Loan Losses	1.61TCr	2.33TCr	2.75TCr	3.38TCr	4.27TCr
Provision For Loan Losses	181.07Cr	123.5Cr	61Cr	80Cr	189.3Cr
Total Revenues	1.43TCr	2.21TCr	2.69TCr	3.3TCr	4.08TCr
Salaries And Other Employee Benefits	348.8Cr	435.14Cr	465.63Cr	483.85Cr	559.73Cr
Cost of Services Provided, Total	13Cr	25Cr	16Cr	33Cr	34Cr
Depreciation & Amortization - (IS) - (Collected)	26Cr	33Cr	40Cr	41Cr	47Cr
Other Operating Expenses	76Cr	124.42Cr	142.26Cr	138.5Cr	190.13Cr
Total Operating Expenses	463.42Cr	617.52Cr	663.95Cr	696.22Cr	831.59Cr
Operating Income	967.76Cr	1.59TCr	2.03TCr	2.61TCr	3.24TCr
Other Non Operating Income (Expenses)	-7.42Cr	51L	18L	13L	2.86Cr
EBT, Excl. Unusual Items	960.34Cr	1.59TCr	2.03TCr	2.61TCr	3.25TCr
Gain (Loss) on Sale of Investments	-	112.04Cr	133.2Cr	164.26Cr	86Cr
Gain (Loss) on Sale of Assets	-48L	-70L	-77L	-2.72Cr	-91L
Other Unusual Items	-	-	-	-	-13Cr
EBT, Incl. Unusual Items	959.86Cr	1.7TCr	2.16TCr	2.77TCr	3.32TCr
Income Tax Expense	250.24Cr	442.26Cr	430.1Cr	607.33Cr	759.68Cr
Earnings From Continuing Operations	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Net Income to Company	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Net Income - (IS)	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Net Income to Common Incl Extra Items	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Net Income to Common Excl. Extra Items	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Per Share Items
Net EPS - Basic	1.45	1.88	2.58	2.67	3.07
Basic EPS - Continuing Operations	1.45	1.88	2.58	2.67	3.07
Basic Weighted Average Shares Outstanding	488.33Cr	668.21Cr	671.22Cr	809.22Cr	832.85Cr
Net EPS - Diluted	1.45	1.88	2.58	2.67	3.07
Diluted EPS - Continuing Operations	1.45	1.88	2.58	2.67	3.07
Diluted Weighted Average Shares Outstanding	488.33Cr	668.21Cr	671.22Cr	809.86Cr	833.43Cr
Normalized Basic EPS	1.23	1.49	1.89	2.01	2.44
Normalized Diluted EPS	1.23	1.49	1.89	2.01	2.44
Supplemental Items
Total Revenues (As Reported)	3.77TCr	5.67TCr	7.62TCr	9.58TCr	11TCr
Effective Tax Rate - (Ratio)	26.07	26.01	19.9	21.92	22.88
Current Domestic Taxes	250.4Cr	399.8Cr	509Cr	619.53Cr	767.95Cr
Total Current Taxes	250.4Cr	399.8Cr	509Cr	619.53Cr	767.95Cr
Deferred Domestic Taxes	-16L	42Cr	-79Cr	13Cr	-8.27Cr
Total Deferred Taxes	-16L	42Cr	-79Cr	13Cr	-8.27Cr
Normalized Net Income	600.21Cr	992.95Cr	1.27TCr	1.63TCr	2.03TCr
Non-Cash Pension Expense	-15L	3L	-22L	22L	1.23Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	27Cr	31Cr	39Cr	43Cr
Total Stock-Based Compensation	-	27Cr	31Cr	39Cr	43Cr

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	407.03Cr	94Cr	64Cr	62Cr	161.8Cr
Long-Term Investments - (FS Template)	1.25TCr	1.42TCr	1.42TCr	2.53TCr	2.47TCr
Trading Asset Securities, Total	-	579.86Cr	532.71Cr	42Cr	32Cr
Loans and Lease Receivables - (FS Template)	46TCr	62TCr	80TCr	1LCr	1,23800Cr
Other Receivables	237.33Cr	5.92Cr	44Cr	97Cr	403.55Cr
Gross Property Plant And Equipment	140.81Cr	170.65Cr	195.57Cr	227.02Cr	254.31Cr
Accumulated Depreciation	-63Cr	-86Cr	-108.07Cr	-126.68Cr	-143.36Cr
Net Property Plant And Equipment	78Cr	85Cr	88Cr	100.34Cr	110.95Cr
Other Intangibles, Total	21Cr	28Cr	36Cr	41Cr	43Cr
Other Current Assets, Total	24Cr	37Cr	19Cr	33Cr	44Cr
Deferred Tax Assets Long-Term (Collected)	16Cr	-	51Cr	44Cr	56Cr
Other Long-Term Assets, Total	14Cr	3L	-	1.47Cr	1.91Cr
Total Assets	49TCr	65TCr	82TCr	1,02800Cr	1,27100Cr
Liabilities
Accounts Payable, Total	36Cr	46Cr	58Cr	180.75Cr	126.1Cr
Accrued Expenses, Total	15Cr	13Cr	26Cr	32Cr	43Cr
Short-Term Borrowings	-	582.97Cr	3.57TCr	3.05TCr	6.93TCr
Current Portion of Long-Term Debt	12TCr	11TCr	13TCr	16TCr	15TCr
Current Portion of Leases	12Cr	14Cr	12Cr	15Cr	17Cr
Long-Term Debt	29TCr	41TCr	53TCr	63TCr	82TCr
Long-Term Leases	29Cr	31Cr	29Cr	37Cr	36Cr
Current Income Taxes Payable	20Cr	16Cr	26Cr	38Cr	73Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	109.82Cr	82Cr	265.89Cr	36Cr	186.06Cr
Pension & Other Post Retirement Benefits	-	-	3.52Cr	12Cr	21Cr
Deferred Tax Liability Non-Current	-	28Cr	-	-	-
Other Non Current Liabilities	581.74Cr	351.41Cr	225.06Cr	476.85Cr	403.47Cr
Total Liabilities	42TCr	54TCr	70TCr	83TCr	1,04600Cr
Common Stock, Total	4.88TCr	6.71TCr	6.71TCr	8.33TCr	8.33TCr
Additional Paid In Capital	166.67Cr	837.72Cr	837.72Cr	4.74TCr	4.75TCr
Retained Earnings	1.69TCr	2.34TCr	3.72TCr	6.84TCr	9.4TCr
Comprehensive Income and Other	-	617.51Cr	964.29Cr	30Cr	42Cr
Total Common Equity	6.74TCr	11TCr	12TCr	20TCr	23TCr
Total Equity	6.74TCr	11TCr	12TCr	20TCr	23TCr
Total Liabilities And Equity	49TCr	65TCr	82TCr	1,02800Cr	1,27100Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	488.33Cr	671.22Cr	671.22Cr	833.23Cr	832.87Cr
ECS Total Common Shares Outstanding	488.33Cr	671.22Cr	671.22Cr	832.81Cr	832.87Cr
Book Value / Share	13.8	15.65	18.23	23.95	27.04
Tangible Book Value	6.72TCr	10TCr	12TCr	20TCr	22TCr
Tangible Book Value Per Share	13.76	15.61	18.17	23.9	26.99
Total Debt	41TCr	54TCr	69TCr	82TCr	1,03800Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.03Cr	-2.36Cr	3.52Cr	12Cr	21Cr
Net Debt	41TCr	53TCr	68TCr	82TCr	1,03600Cr
Full Time Employees	3.7T	2.79T	2.37T	1.98T	-

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	709.62Cr	1.26TCr	1.73TCr	2.16TCr	2.56TCr
Depreciation, Depletion & Amortization	21Cr	27Cr	30Cr	30Cr	34Cr
Total Depreciation, Depletion & Amortization	21Cr	27Cr	30Cr	30Cr	34Cr
Amortization of Deferred Charges, Total	4.35Cr	6.59Cr	9.53Cr	11Cr	14Cr
(Gain) Loss On Sale of Asset - (CF)	-	70L	77L	2.72Cr	91L
(Gain) Loss on Sale of Investments - (CF)	-59Cr	11Cr	-133.2Cr	-84Cr	104.35Cr
Provision for Credit Losses	-	-	-	-	-
Stock-Based Compensation (CF)	19Cr	-	-	17Cr	32Cr
Change in Trading Asset Securities	-	-	-	373.34Cr	1.2TCr
Change in Accounts Payable	16Cr	9.52Cr	12Cr	19Cr	50Cr
Change in Other Net Operating Assets (Collected)	-13TCr	-16TCr	-17TCr	-20TCr	-24TCr
Other Operating Activities	-218.99Cr	-130.01Cr	-102.8Cr	221.74Cr	364.01Cr
Cash from Operations	-12TCr	-14TCr	-15TCr	-17TCr	-20TCr
Capital Expenditure	-18Cr	-20Cr	-26Cr	-25Cr	-31Cr
Sale of Property, Plant, and Equipment	1.63Cr	3.87Cr	3.3Cr	5.33Cr	4.67Cr
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-11Cr	-13Cr	-17Cr	-16Cr	-17Cr
Investment in Marketable and Equity Securities, Total	2.2TCr	-627.77Cr	218.38Cr	-761.88Cr	-1.16TCr
Other Investing Activities, Total	27Cr	46Cr	95Cr	-	-
Cash from Investing	2.2TCr	-611.44Cr	273.31Cr	-797.55Cr	-1.2TCr
Short Term Debt Issued, Total	1.05TCr	-	2.96TCr	-	3.57TCr
Long-Term Debt Issued, Total	16TCr	27TCr	24TCr	27TCr	35TCr
Total Debt Issued	17TCr	27TCr	27TCr	27TCr	39TCr
Short Term Debt Repaid, Total	-	-3.44TCr	-	-290.79Cr	-
Long-Term Debt Repaid, Total	-6.95TCr	-11TCr	-12TCr	-14TCr	-18TCr
Total Debt Repaid	-6.95TCr	-15TCr	-12TCr	-14TCr	-18TCr
Issuance of Common Stock	-	2.5TCr	-	5.56TCr	2.81Cr
Other Financing Activities, Total	-	-	-	-191.63Cr	9.23Cr
Cash from Financing	10TCr	15TCr	15TCr	18TCr	21TCr
Net Change in Cash	-55Cr	-313.15Cr	-30Cr	-2.23Cr	100.17Cr
Supplemental Items
Cash Interest Paid	-	3.1TCr	4.46TCr	5.44TCr	6.23TCr
Cash Income Tax Paid (Refund)	242.35Cr	398.58Cr	526.36Cr	624.32Cr	679.83Cr
Net Debt Issued / Repaid	10TCr	12TCr	15TCr	13TCr	21TCr

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	1.64	2.22	2.36	2.34	2.23
Return On Equity %	11.11	14.59	15.23	13.44	12.06
Return on Common Equity	11.11	14.59	15.23	13.44	12.06
Margin Analysis
Gross Profit Margin %	99.44	99.36	99.57	99.12	99.25
SG&A Margin	24.73	20.21	17.47	14.75	13.83
Income From Continuing Operations Margin %	49.58	57.02	64.29	65.45	62.81
Net Income Margin %	49.58	57.02	64.29	65.45	62.81
Net Avail. For Common Margin %	49.58	57.02	64.29	65.45	62.81
Normalized Net Income Margin	41.94	45.02	47.09	49.34	49.79
Asset Turnover
Asset Turnover	0.03	0.04	0.04	0.04	0.04
Short Term Liquidity
Current Ratio	3.75	5.15	4.84	5.2	5.64
Quick Ratio	3.75	5.15	4.84	5.19	5.64
Operating Cash Flow to Current Liabilities	-0.99	-1.17	-0.93	-0.89	-0.9
Long Term Solvency
Total Debt/Equity	608.52	510.45	563.94	411.53	460.74
Total Debt / Total Capital	85.89	83.62	84.94	80.45	82.17
LT Debt/Equity	424.8	395.29	431.42	316.38	364.68
Long-Term Debt / Total Capital	59.96	64.75	64.98	61.85	65.04
Total Liabilities / Total Assets	86.11	83.75	85.05	80.6	82.29
Tier 1 Capital Ratio %	18.95	22.19	20.67	27.72	22.01
Total Capital Ratio %	19.71	22.97	21.28	28.24	22.46
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	51.6	61.09	22.08	22.73	22.53
Gross Profit, 1 Yr. Growth %	51.96	60.62	22.32	22.88	22.68
Earnings From Cont. Operations, 1 Yr. Growth %	56.58	77.25	37.64	24.94	18.38
Net Income, 1 Yr. Growth %	56.58	77.25	37.64	24.94	18.38
Normalized Net Income, 1 Yr. Growth %	56.5	76.26	27.71	28.58	24.5
Diluted EPS Before Extra, 1 Yr. Growth %	56.24	29.66	37.02	3.52	14.98
Common Equity, 1 Yr. Growth %	11.76	55.8	16.47	63.05	12.91
Total Assets, 1 Yr. Growth %	28.18	33.23	26.56	25.64	23.67
Tangible Book Value, 1 Yr. Growth %	11.68	55.86	16.44	63.2	12.93
Cash From Operations, 1 Yr. Growth %	145.51	14.83	7.65	16.95	16.52
Capital Expenditures, 1 Yr. Growth %	178.94	10.65	25.77	-2.15	24.69
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	25.71	52.86	40.23	22.4	23.04
Gross Profit, 2 Yr. CAGR %	25.86	52.98	40.17	22.26	23.2
Earnings From Cont. Operations, 2 Yr. CAGR %	29.78	66.6	56.19	31.13	21.61
Net Income, 2 Yr. CAGR %	29.78	66.6	56.19	31.13	21.61
Normalized Net Income, 2 Yr. CAGR %	30.04	60.91	50.03	28.14	26.52
Diluted EPS Before Extra, 2 Yr. CAGR %	13.78	42.33	33.23	19.1	9.1
Common Equity, 2 Yr. CAGR %	9.86	31.95	34.71	37.81	35.69
Total Assets, 2 Yr. CAGR %	24.37	30.68	29.85	26.1	24.65
Tangible Book Value, 2 Yr. CAGR %	9.78	31.93	34.72	37.85	35.76
Cash From Operations, 2 Yr. CAGR %	10.29	68.03	11.18	9.15	16.73
Capital Expenditures, 2 Yr. CAGR %	-13.67	75.68	17.97	10.94	10.46
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	48.24	34.54	41.82	34.14	22.72
Gross Profit, 3 Yr. CAGR %	48.84	34.62	41.99	33.9	22.67
Earnings From Cont. Operations, 3 Yr. CAGR %	86.27	43.99	56.32	44.99	26.73
Net Income, 3 Yr. CAGR %	86.27	43.99	56.32	44.99	26.73
Normalized Net Income, 3 Yr. CAGR %	88.85	40.9	48.98	42.51	26.91
Diluted EPS Before Extra, 3 Yr. CAGR %	40.75	18.84	40.6	22.48	17.71
Common Equity, 3 Yr. CAGR %	22.6	23.43	26.58	43.56	28.95
Total Assets, 3 Yr. CAGR %	36.08	27.26	29.29	28.43	25.29
Tangible Book Value, 3 Yr. CAGR %	22.55	23.38	26.55	43.61	28.99
Cash From Operations, 3 Yr. CAGR %	-2.31	11.84	44.86	11.01	11.55
Capital Expenditures, 3 Yr. CAGR %	-19.98	-6.22	57.16	10.84	15.35
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	229.23	108.78	43.7	29.55	33.99
Gross Profit, 5 Yr. CAGR %	228.86	109.22	44.1	29.53	34
Earnings From Cont. Operations, 5 Yr. CAGR %	311.69	154.33	73.6	38.7	41.38
Net Income, 5 Yr. CAGR %	311.69	154.33	73.6	38.7	41.38
Normalized Net Income, 5 Yr. CAGR %	329.12	164.9	70.07	35.65	39.55
Diluted EPS Before Extra, 5 Yr. CAGR %	133.25	53.58	37.75	18.98	27.03
Common Equity, 5 Yr. CAGR %	83.34	46.51	27.31	28.99	30.15
Total Assets, 5 Yr. CAGR %	172.04	68.86	33.55	26.79	27.42
Tangible Book Value, 5 Yr. CAGR %	83.23	46.43	27.28	28.98	30.16
Cash From Operations, 5 Yr. CAGR %	670.12	33.58	2.91	10.76	31.42
Capital Expenditures, 5 Yr. CAGR %	50.43	92.03	-6.54	0.3	36.49