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Bajaj Housing FinanceBOM:544252 -0.54%7 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 676.46. GuruFocus rates BOM:544252 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 20 Banks companies, Bajaj Housing Finance ranks worse than 4999995% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Bajaj Housing Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹9,223 Mil. Bajaj Housing Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Bajaj Housing Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Bajaj Housing Finance's Interest Coverage or its related term are showing as below:
BOM:544252's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 29.955 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Bajaj Housing Finance Interest Coverage Related Terms
Bajaj Housing Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Bajaj Housing Finance's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:544252 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Bajaj Housing Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bajaj Housing Finance Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Bajaj Housing Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Bajaj Housing Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Bajaj Housing Finance (BOM:544252) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Bajaj Housing Finance and its competitors. This is 100% below median its historical median of 676.46. Over the past decade, Bajaj Housing Finance's Interest Coverage has ranged from 433.68 to 745.04. According to the industry distribution chart, Bajaj Housing Finance ranks #999999 out of 20 companies in the Banks industry.
Is Bajaj Housing Finance's Interest Coverage too high?
Bajaj Housing Finance's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 676.46. Over the past 10 years, this metric has ranged from a low of 433.68 to a high of 745.04. Based on the distribution chart, Bajaj Housing Finance ranks #999999 out of 20 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bajaj Housing Finance has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Bajaj Housing Finance's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Bajaj Housing Finance ranks #999999 out of 20 companies for Interest Coverage. This places Bajaj Housing Finance in the lower half of its industry. The industry median Interest Coverage is 29.96. Historically, Bajaj Housing Finance's own Interest Coverage has ranged from 433.68 to 745.04 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 29.96, based on 20 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Bajaj Housing Finance and its competitors. For the Banks industry, the median Interest Coverage is 29.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Housing Finance's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 676.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Housing Finance stock overvalued right now?
Bajaj Housing Finance (BOM:544252) has a current Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 676.46. Bajaj Housing Finance's overall GF Score™ is 7/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Bajaj Housing Finance (BOM:544252), the current Interest Coverage is No Debt (1) as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
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