BAJAJHFL.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Performance Graph
Financial Ratios
Ratio Value
PE Ratio61.43
Net Profit Margin0.24
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio746.28
Debt to Equity5.65
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.24
Return on Assets1.59
Return on Equity0.14
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It would not be able to cover its short-term liabilities because of financial distress

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.27
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio746.28
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio5.65
Interest Coverage Ratio746.28
Performance Graph
Key Ratios

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio61.43
Gross Profit Margin0.30
Price to Book Ratio8.69
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of BAJAJ HOUSING FINANCE LTD

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 818271000000 646541000000 485271000000
Total Non Current Assets 772250000000 603276000000 441323000000
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets 509400000 - 155800000
Financial Assets 116600000 13700000 -
Investment In Financial Assets 7220000000 2427300000 1873500000
Held To Maturity Securities - - -
Available For Sale Securities 7220000000 2427300000 1873500000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 362300000 283800000 205700000
Other Intangible Assets 362300000 283800000 205700000
Goodwill - - -
Net Ppe 875000000 849200000 780900000
Accumulated Depreciation -1080700000 -857300000 -627200000
Gross Ppe 1955700000 1706500000 1408100000
Construction In Progress - - -
Other Properties - - -
Machinery Furniture Equipment 875600000 720100000 605400000
Buildings And Improvements 1080100000 986400000 802700000
Land And Improvements - - -
Properties - - -
Current Assets 46021400000 43265700000 43947700000
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash 1600000 1000000 1300000
Prepaid Assets 89100000 79400000 104400000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 30152200000 21480500000 26604400000
Taxes Receivable - - -
Accounts Receivable 133600000 15900000 18700000
Allowance For Doubtful Accounts Receivable -500000 -100000 -
Gross Accounts Receivable 134100000 16000000 18700000
Cash Cash Equivalents And Short Term Investments 15644900000 21688900000 17218900000
Other Short Term Investments 15007900000 20751100000 13149900000
Cash And Cash Equivalents 637000000 937800000 4069000000
Cash Equivalents - - 2506800000
Cash Financial 637000000 937800000 1562200000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 690656000000 536516000000 410854000000
Total Debt 691293000000 537454000000 414923000000
Total Liabilities Net Minority Interest 695936000000 541510000000 417857000000
Total Non Current Liabilities Net Minority Interest 528127000000 417263000000 290852000000
Other Non Current Liabilities - - -
Derivative Product Liabilities 8300000 - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - 282700000 -
Long Term Debt And Capital Lease Obligation 527496000000 416534000000 290538000000
Long Term Capital Lease Obligation - - -
Long Term Debt 527496000000 416534000000 290538000000
Long Term Provisions 327400000 137600000 26100000
Current Liabilities 167809000000 124247000000 127005000000
Other Current Liabilities 273700000 149000000 202900000
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation 163797000000 120920000000 124385000000
Current Capital Lease Obligation - - -
Current Debt 163797000000 120920000000 124385000000
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions 29000000 18700000 14400000
Payables 1662900000 1351400000 946400000
Other Payable 827500000 730400000 381700000
Dividends Payable - - -
Total Tax Payable 259300000 161700000 200600000
Accounts Payable 576100000 459300000 364100000
Common Stock Equity 122335000000 105032000000 67413600000
Total Capitalization 649831000000 521566000000 357952000000
Total Equity Gross Minority Interest 122335000000 105032000000 67413600000
Minority Interest - - -
Stockholders Equity 122335000000 105032000000 67413600000
Other Equity Interest - - -
Treasury Stock - - -
Retained Earnings 37193300000 23358000000 13254100000
Additional Paid In Capital 8377200000 8377200000 1666700000
Capital Stock 67121600000 67121600000 48833300000
Common Stock 67121600000 67121600000 48833300000

Income statement interpretation for BAJAJ HOUSING FINANCE LTD

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 73294600000 54814600000 36875100000
Operating Revenue 73294600000 54814600000 36875100000
Cost Of Revenue 51180700000 36126900000 24715600000
Gross Profit 22113900000 18687700000 12159500000
Ebitda 22038200000 17362300000 9880800000
Ebit 21642200000 17028300000 9623200000
Operating Income 19617200000 16468800000 10668600000
Net Income 17312200000 12578000000 7096200000
Net Income From Continuing Operation Net Minority Interest 17312200000 12578000000 7096200000
Net Income From Continuing And Discontinued Operation 17312200000 12578000000 7096200000
Net Income Common Stockholders 17312200000 12578000000 7096200000
Net Income Including Noncontrolling Interests 17312200000 12578000000 7096200000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 17312200000 12578000000 7096200000
Normalized Income 16611244900 12591836130 7991788020
Normalized Ebitda 21163100000 17381000000 11092200000
Total Unusual Items 875100000 -18700000 -1211400000
Total Unusual Items Excluding Goodwill 875100000 -18700000 -1211400000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 396000000 334000000 257600000
Reconciled Cost Of Revenue 51180700000 36126900000 24715600000
Total Expenses 53677400000 38345800000 26206500000
Operating Expense 2496700000 2218900000 1490900000
Other Operating Expenses 1426100000 1028100000 655500000
Depreciation And Amortization In Income Statement 396000000 334000000 257600000
Amortization 95300000 65900000 43500000
Depreciation Income Statement 300700000 268100000 214100000
Selling General And Administration 202100000 243200000 164500000
Selling And Marketing Expense 36500000 97800000 51600000
General And Administrative Expense 165600000 145400000 112900000
Rent And Landing Fees 74000000 61200000 44300000
Tax Provision 4301000000 4422600000 2502400000
Pretax Income 21613200000 17000600000 9598600000
Other Non Operating Income Expenses 4000000 4100000 3200000
Special Income Charges -456900000 -1139100000 -1801100000
Other Special Charges 7700000 7000000 4800000
Write Off 449200000 1132100000 1796300000
Net Non Operating Interest Income Expense 1116900000 546400000 138200000
Total Other Finance Cost 21000000 19800000 19300000
Interest Expense Non Operating 29000000 27700000 24600000
Interest Income Non Operating 1166900000 593900000 182100000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 2.08 1.51 0.85
Basic Eps 2.08 1.51 0.85
Diluted Ni Avail To Com Stockholders 17312200000 12578000000 7096200000
Net Income From Continuing Operations 21613200000 17000600000 9598600000
Minority Interests - - -

Cash flow analysis for BAJAJ HOUSING FINANCE LTD

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -154281000000 -143318000000 -124805000000
Changes In Cash -300200000 -3131500000 -547500000
Taxes Refund Paid -5263600000 -3985800000 -2423500000
Change In Working Capital -169637000000 -155051000000 -129380000000
Change In Other Current Liabilities 377000000 277700000 126800000
Change In Other Current Assets 178500000 -93400000 2687200000
Change In Payable 213900000 443900000 324500000
Change In Inventory - - -
Change In Receivables -170587000000 -155851000000 -132529000000
Other Non Cash Items -25999400000 -22152100000 -14389700000
Stock Based Compensation - - -
Provision And Write Off Of Assets - - -500000
Depreciation And Amortization 396000000 334000000 257600000
Amortization Cash Flow 95300000 65900000 43500000
Depreciation 300700000 268100000 214100000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 2733100000 -6114400000 21973200000
Net Other Investing Changes - - -
Interest Received Cfi 946300000 462600000 267300000
Dividends Received Cfi - - -
Net Investment Purchase And Sale 2183800000 -6277700000 21980800000
Sale Of Investment 434406000000 424081000000 402319000000
Purchase Of Investment -432222000000 -430359000000 -380338000000
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -223200000 -165000000 -167800000
Sale Of Ppe 33000000 38700000 16300000
Purchase Of Ppe -256200000 -203700000 -184100000
Net Intangibles Purchase And Sale -173800000 -134300000 -107100000
Purchase Of Intangibles -173800000 -134300000 -107100000
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 151248000000 146301000000 102285000000
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance - 24998800000 -
Common Stock Payments - - -
Common Stock Issuance - 24998800000 -
Repurchase Of Capital Stock - - -
Repayment Of Debt -118179000000 -110781000000 -69233900000
Issuance Of Debt 239952000000 266572000000 161074000000
Issuance Of Capital Stock - 24998800000 -
Net Issuance Payments Of Debt 151386000000 121440000000 102390000000
Net Short Term Debt Issuance 29613300000 -34351100000 10549900000
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 121773000000 155791000000 91840100000
Long Term Debt Payments -118179000000 -110781000000 -69233900000
Long Term Debt Issuance 239952000000 266572000000 161074000000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of BAJAJHFL.NS (BAJAJ HOUSING FINANCE LTD)

Above is the summary for fundamental analysis of BAJAJ HOUSING FINANCE LTD , whose ticker name is BAJAJHFL.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The BAJAJ HOUSING FINANCE LTD which is listed in NSE (National Stock Exchange) has a PE ratio of 61.43, BAJAJHFL.NS has a net profit margin of 0.24, the acid test ratio for BAJAJHFL.NS is 0.00, BAJAJHFL.NS has an inventory turnover of 0.00, and BAJAJHFL.NS has debt-to-equity ratio of 5.65.

The BAJAJHFL.NS whose company name is BAJAJ HOUSING FINANCE LTD has made profit/loss of 22113900000 with total revenue of 73294600000, BAJAJHFL.NS has assets worth of 818271000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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