Bajaj Housing Finance : Share Price Surges After Q1 FY26 Results

Bajaj Housing Finance Share Price Soars Post Q1 FY26 Earnings—What It Means for Investors

Bajaj Housing Finance Share Price Takes Off After Stellar Q1 Results—Is This the Start of a Bull Run?

Bajaj Housing Finance has captured investor attention following the release of its Q1 FY26 financial results. The company reported a standalone net profit of Rs 583.3 crore, a 21% year-on-year increase, and total revenue of Rs 2,616 crore, up 18.6% from the previous year. These numbers have sparked renewed interest in the stock, which has seen volatile movement since its IPO in September 2024.

Despite a slight intraday dip of 1%, the share price remains significantly above its IPO issue price of Rs 70, currently trading around Rs 121. Investors are now evaluating whether this earnings beat signals a long-term upward trend or a short-term reaction.

Bajaj Housing Finance: Latest Q1 FY26 Numbers That Have Everyone Talking

• Net Profit: Rs 583.3 crore, up 21% YoY

• Total Revenue: Rs 2,616 crore, up 18.6% YoY

• Net Interest Income (NII): Rs 887 crore, up 33% YoY

• Assets Under Management (AUM): Rs 1.20 lakh crore, up 24% YoY

• Gross NPA: 0.30%; Net NPA: 0.13%

• Provision Coverage Ratio: 56%

• Capital Adequacy Ratio: 26.94%

These figures reflect strong operational performance and prudent risk management, even amid competitive pricing pressures in the housing finance sector.

How the Share Price Reacted Immediately Post Earnings Report

Following the earnings announcement, Bajaj Housing Finance shares experienced a modest decline of nearly 1% in intraday trade. This reaction was attributed to cautious investor sentiment and profit booking, especially given the stock’s 25% decline since its listing peak of Rs 188.50.

However, analysts note that the fundamentals remain strong, and the dip may present a buying opportunity for long-term investors.

Expert Commentary from Analysts on Stock Performance

• Goldman Sachs maintained a "Sell" rating with a target price of Rs 89, citing competitive intensity and margin pressure.

• Kotak Institutional Equities projected a PAT of Rs 584 crore, aligning with actual results and indicating operational stability.

• Phillip Capital remains bullish, suggesting a potential upside of 27% from current levels.

While opinions vary, the consensus is that Bajaj Housing Finance’s growth trajectory remains intact, provided it navigates pricing pressures effectively.

A Sector Snapshot: Housing Finance in India Right Now

The housing finance sector in India is undergoing a transformation, driven by:

• Rising demand for affordable and mid-income housing

• Government initiatives like PMAY and tax incentives

• Increased competition from banks and NBFCs

• Digital transformation improving loan disbursement efficiency

Bajaj Housing Finance, with its diversified portfolio and strong parentage, is well-positioned to capitalize on these trends.

Why This Is Trending Right Now

The surge in interest around Bajaj Housing Finance share price is driven by:

• Fresh Q1 FY26 earnings showing double-digit growth

• Real-time spikes in Google Trends for related keywords

• Coverage across major financial news platforms

• Investor curiosity following IPO volatility and recent performance

The stock’s movement is being closely watched by retail and institutional investors alike, especially given its strong fundamentals and market positioning.

Frequently Asked Questions

Q: What is the current share price of Bajaj Housing Finance?
A: As of July 24, 2025, the share price is approximately Rs 121.18.

Q: Why did the share price fall after strong earnings?
A: The decline is likely due to profit booking and cautious sentiment amid high valuation concerns.

Q: Is Bajaj Housing Finance a good long-term investment?
A: Analysts are divided. While fundamentals are strong, competition and pricing pressure may impact future growth.

Q: What is the company’s asset quality?
A: Gross NPA is 0.30% and Net NPA is 0.13%, indicating robust asset quality.

Q: What are the growth prospects for FY26?
A: Management expects better growth in the second half of FY26, with moderated margins due to competition.

Conclusion: Should You Watch or Buy Bajaj Housing Finance?

Bajaj Housing Finance has delivered a solid Q1 FY26 performance, reinforcing its position as a key player in India’s housing finance sector. While the share price has seen fluctuations, the company’s fundamentals remain strong. Investors should weigh the high valuation against long-term growth potential and monitor upcoming quarters for margin trends and competitive dynamics.

For those with a long-term horizon, Bajaj Housing Finance may offer a compelling opportunity—especially if the stock dips further and fundamentals stay intact.