Bajaj Finance Limited vs LIC Housing Finance Limited

A side-by-side comparison of Bajaj Finance Limited (BAJFINANCE) and LIC Housing Finance Limited (LICHSGFIN) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, Bajaj Finance Limited leads BAJFINANCE vs LICHSGFIN on 8 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation04
  • Profitability31
  • Growth11
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

LICHSGFIN takes 4/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

32.09
P/E ratio
5.11
5.71
P/B ratio
0.71
0.57%
Dividend yield
1.81%
₹30.60
EPS
₹101.87

Profitability

BAJFINANCE takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

16.68%
Return on equity
13.53%
10.71%
Return on capital
9.36%
67.98%
EBITDA margin
93.58%
23.58%
Net margin
19.43%

Growth

Even

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

25.58%
Revenue CAGR (3Y)
8.28%
18.88%
Profit CAGR (3Y)
24.68%

Size & financial health

BAJFINANCE takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹6.11L Cr
Market cap
₹28,658 Cr
₹81,982 Cr
Revenue
₹28,837 Cr
₹19,332 Cr
Net profit
₹5,604 Cr
3.22
Debt / equity
6.42
Bajaj Finance Limited
  • + ["Company has delivered good profit growth of 34.3% CAGR over last 5 years", "Company has delivered good sales growth of 25.7% CAGR over last 5 years"]
  • − ["Stock is trading at 5.36 times its book value"]
LIC Housing Finance Limited
  • + ["Company has delivered good profit growth of 15.4% CAGR over last 5 years", "Stock is trading at 0.69 times its book value"]
  • − ["The company has delivered a poor sales growth of 7.7% over past five years."]
Bajaj Finance Limited full analysis LIC Housing Finance Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.