Bajaj Housing Finance Limited Q4 FY25 earnings call summary

Earnings call of 23 Apr 2025, summarised by AI from the filing.

Bajaj Housing Finance Q4 FY25 AUM grew 26% to ₹1,14,684 cr; FY26 cost of funds guided 34-35 bps lower.

Key takeaways

1. AUM growth AUM ₹1,14,684 cr as of 31st March 2025, growing 26%.
2. Cost of funds guidance 34-35 bps YoY decline in FY26 assuming 75 bps repo cut.
3. NIM compression 10-15 bps expected in FY26 if book mix unchanged.
4. Developer finance Share to increase to 15% in medium term, from 12.5%.
5. Competition Competitive pressure led to yield reduction and gross spread decline.

Original filing on BSE

Bajaj Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹3,063 cr (+17% year on year), EBITDA ₹2,830 cr (+19% year on year), PAT ₹715 cr (+23% year on year), EBITDA margin 92.4% (+176 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,903 cr (+16% year on year), EBITDA ₹2,640 cr (+16% year on year), PAT ₹669 cr (+14% year on year), EBITDA margin 91.0% (−3 bps). Score 56 of 100, In line with trend. EBITDA margin was flat year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −5.5% in 30 days (Nifty 500: +0.6%).
• Q3 FY26: Revenue ₹2,886 cr (+18% year on year), EBITDA ₹2,623 cr (+17% year on year), PAT ₹665 cr (+21% year on year), EBITDA margin 90.9% (−53 bps). Score 59 of 100, In line with trend. EBITDA margin fell 53 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −6.2% in 30 days (Nifty 500: −1.9%).
• Q2 FY26: Revenue ₹2,755 cr (+14% year on year), EBITDA ₹2,503 cr (+12% year on year), PAT ₹643 cr (+18% year on year), EBITDA margin 90.9% (−176 bps). Score 51 of 100, In line with trend. EBITDA margin fell 176 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −12.6% in 29 days (Nifty 500: +1.4%).
• Q1 FY26: Revenue ₹2,616 cr, EBITDA ₹2,371 cr, PAT ₹583 cr, EBITDA margin 90.6%. Not scored. No result for the same quarter last year. Share price after the results: −7.6% in 30 days (Nifty 500: −1.9%).
• Q4 FY25: Revenue ₹2,508 cr, EBITDA ₹2,282 cr, PAT ₹587 cr, EBITDA margin 91.0%. Not scored. No result for the same quarter last year. Share price after the results: −5.6% in 30 days (Nifty 500: +2.4%).
• Q3 FY25: Revenue ₹2,449 cr, EBITDA ₹2,239 cr, PAT ₹548 cr, EBITDA margin 91.4%. Not scored. No result for the same quarter last year.
• Q2 FY25: Revenue ₹2,410 cr, EBITDA ₹2,232 cr, PAT ₹546 cr, EBITDA margin 92.6%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

Bajaj Housing Finance Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (29 Jul 2026), Results deck (29 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026)
• Q3 FY26: Earnings call (2 Feb 2026), Results deck (2 Feb 2026)
• Q2 FY26: Earnings call (6 Nov 2025), Results deck (6 Nov 2025)
• Q1 FY26: Earnings call (23 Jul 2025), Results deck (23 Jul 2025)
• Q4 FY25: Earnings call (23 Apr 2025), Results deck (23 Apr 2025)
• Other events: Strategy deck (18 Aug 2026), Strategy deck (11 May 2026), Strategy deck (5 Dec 2025)