Bajaj Housing Finance Ltd
Bajaj Housing Finance Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
The company expects sustained growth with a 26% AUM growth as of March 31, 2025. Net Total Income grew by 23% in FY25; Pre-provisioning Operating Profit up 28% YoY; PAT grew 25% for the year.
From Bajaj Housing Finance Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- The company expects sustained growth with a 26% AUM growth as of March 31, 2025.
- Home Loans grew by 22%, Loan Against Property (LAP) by 28%, Lease Rental Discounting (LRD) by 24%, and Developer Finance by 49% in the recent quarter.
- Disbursements increased by 25% YoY for the quarter.
- Near Prime and Affordable Housing segment (SBU) is growing steadily and aligned with future business goals, focusing on organic growth.
- The developer finance portfolio shows no structural decline in conversion rates despite fewer launches.
- Management plans to invest in expanding the SBU and non-top six markets for future growth.
2 more points management made on revenue & sales performance
Profitability & Margins
See what Bajaj Housing Finance Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- No plans to raise new capital in FY26 as leverage is 5.1-5.2, and raising money below 7.5 leverage is not advisable for a mortgage company.
- No primary capital raising expected for the next 1.5 to 2 years.
- Potential consideration for secondary offerings by Bajaj Finance shareholders at the appropriate time.
- Continued investment in management team and expansion efforts, particularly in the Near Prime and Affordable Housing SBU and non-top six markets.
- Incremental investments are focused on organic growth rather than acquisitions in the affordable/near prime segment.
2 more points management made on capital expenditure plans
Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Bajaj Housing Finance Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
- The transcript does not explicitly mention the current or expected orderbook or pending orders for Bajaj Housing Finance Limited.
- Discussions primarily focus on project numbers related to financed projects: Atul Jain corrected Shreepal Doshi that the number of projects financed is 798, not 758.
- No specific figures on orderbooks or pending orders were provided.
2 more points management made on order book & pipeline
Continue your research
What Bajaj Housing's management said in earlier quarters
Frequently Asked Questions
What were Bajaj Housing Finance Ltd Q4 FY25 results?
The company expects sustained growth with a 26% AUM growth as of March 31, 2025. Net Total Income grew by 23% in FY25; Pre-provisioning Operating Profit up 28% YoY; PAT grew 25% for the year.
What is Bajaj Housing Finance Ltd share price analysis?
Bajaj Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 26.8 with a market cap of ₹72,475 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bajaj Housing Finance Ltd planning capital expenditure?
No plans to raise new capital in FY26 as leverage is 5.1-5.2, and raising money below 7.5 leverage is not advisable for a mortgage company.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.