Housing & Urban Development Corporation Ltd (HUDCO): Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 12, 2025, 1:33 pm

Market Cap	36,227 Cr.
Current Price	181
High / Low	354/153
Stock P/E	13.5
Book Value	85.5
Dividend Yield	2.26 %
ROCE	9.23 %
ROE	13.2 %
Face Value	10.0
PEG Ratio	1.21

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Housing & Urban Development Corporation Ltd (HUDCO)

Competitors of Housing & Urban Development Corporation Ltd (HUDCO)

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Tourism Finance Corporation of India Ltd	1,329 Cr.	144	220/122	14.2	126	1.75 %	10.5 %	8.65 %	10.0
Power Finance Corporation Ltd (PFC)	1,28,870 Cr.	391	580/352	5.79	333	3.47 %	9.85 %	21.3 %	10.0
IFCI Ltd	10,784 Cr.	41.2	91.4/35.8	91.4	22.4	0.00 %	10.2 %	2.48 %	10.0
Housing & Urban Development Corporation Ltd (HUDCO)	36,227 Cr.	181	354/153	13.5	85.5	2.26 %	9.23 %	13.2 %	10.0
Industry Average	44,302.50 Cr	189.30		31.22	141.73	1.87%	9.95%	11.41%	10.00

All Competitor Stocks of Housing & Urban Development Corporation Ltd (HUDCO)

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	1,700	1,727	1,749	1,739	1,710	1,852	1,843	1,865	2,013	2,065	2,188	2,518	2,760
Interest	1,141	1,097	1,117	1,109	1,132	1,150	1,191	1,217	1,313	1,240	1,464	1,662	1,762
Expenses	304	-399	85	103	245	-155	60	55	12	8	47	-138	73
Financing Profit	254	1,029	547	527	333	857	592	593	688	817	678	994	924
Financing Margin %	15%	60%	31%	30%	19%	46%	32%	32%	34%	40%	31%	39%	33%
Other Income	9	17	8	8	10	10	9	16	10	129	9	8	10
Depreciation	2	3	3	3	3	3	2	2	2	2	2	3	3
Profit before tax	262	1,043	553	532	340	864	598	606	696	943	685	1,000	932
Tax %	26%	28%	26%	26%	25%	26%	25%	26%	25%	26%	19%	31%	21%
Net Profit	195	747	412	396	254	639	446	452	519	700	558	689	735
EPS in Rs	0.97	3.73	2.06	1.98	1.27	3.19	2.23	2.26	2.59	3.50	2.79	3.44	3.67
Gross NPA %
Net NPA %

Last Updated: February 28, 2025, 7:27 pm

Below is a detailed analysis of the quarterly data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹1,762.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,662.00 Cr. (Sep 2024) to ₹1,762.00 Cr., marking an increase of ₹100.00 Cr..
For Expenses, as of Dec 2024, the value is ₹73.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from -138.00 Cr. (Sep 2024) to ₹73.00 Cr., marking an increase of ₹211.00 Cr..
For Other Income, as of Dec 2024, the value is ₹10.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Sep 2024) to ₹10.00 Cr., marking an increase of ₹2.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹3.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 3.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹932.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,000.00 Cr. (Sep 2024) to ₹932.00 Cr., marking a decrease of 68.00 Cr..
For Tax %, as of Dec 2024, the value is 21.00%. The value appears to be improving (decreasing) as expected. It has decreased from 31.00% (Sep 2024) to 21.00%, marking a decrease of 10.00%.
For Net Profit, as of Dec 2024, the value is ₹735.00 Cr.. The value appears strong and on an upward trend. It has increased from 689.00 Cr. (Sep 2024) to ₹735.00 Cr., marking an increase of ₹46.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 3.67. The value appears strong and on an upward trend. It has increased from ₹3.44 (Sep 2024) to 3.67, marking an increase of ₹0.23.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:02 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	2,886	2,978	3,383	3,270	3,536	4,228	5,584	7,567	7,267	6,986	7,082	7,829	9,532
Interest	1,567	1,702	1,775	1,908	1,986	2,295	3,071	4,848	4,765	4,533	4,507	4,961	6,128
Expenses	309	192	477	319	468	526	652	544	277	111	279	134	-10
Financing Profit	1,010	1,084	1,131	1,044	1,082	1,408	1,861	2,176	2,225	2,342	2,296	2,734	3,413
Financing Margin %	35%	36%	33%	32%	31%	33%	33%	29%	31%	34%	32%	35%	36%
Other Income	56	25	44	37	98	6	7	4	11	11	4	119	156
Depreciation	5	4	5	5	5	5	5	6	7	8	11	10	10
Profit before tax	1,061	1,105	1,170	1,076	1,175	1,408	1,863	2,174	2,229	2,346	2,289	2,843	3,560
Tax %	34%	34%	34%	27%	28%	28%	37%	21%	29%	27%	26%	26%
Net Profit	700	734	768	783	842	1,010	1,180	1,708	1,578	1,716	1,701	2,117	2,682
EPS in Rs	349.51	366.64	383.80	3.91	4.21	5.04	5.89	8.53	7.89	8.57	8.50	10.57	13.40
Dividend Payout %	21%	14%	13%	13%	13%	11%	14%	36%	28%	41%	45%	39%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	4.86%	4.63%	1.95%	7.54%	19.95%	16.83%	44.75%	-7.61%	8.75%	-0.87%	24.46%
Change in YoY Net Profit Growth (%)	0.00%	-0.22%	-2.68%	5.58%	12.42%	-3.12%	27.91%	-52.36%	16.36%	-9.62%	25.33%

Housing & Urban Development Corporation Ltd (HUDCO) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	10%
5 Years:	7%
3 Years:	3%
TTM:	26%

Compounded Profit Growth
10 Years:	11%
5 Years:	12%
3 Years:	10%
TTM:	30%

Stock Price CAGR
10 Years:	%
5 Years:	50%
3 Years:	73%
1 Year:	-1%

Return on Equity
10 Years:	12%
5 Years:	13%
3 Years:	12%
Last Year:	13%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 11:34 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002
Reserves	4,513	5,130	5,779	6,444	7,166	7,940	8,953	10,340	11,186	12,465	13,442	14,611	15,121
Borrowings	13,553	18,888	18,315	25,449	28,196	36,277	59,848	61,437	60,978	61,503	62,905	73,996	93,565
Other Liabilities	6,881	4,204	7,018	1,999	1,975	2,695	2,026	2,347	2,792	2,924	2,621	2,814	3,231
Total Liabilities	26,949	30,224	33,114	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	113,919
Fixed Assets	71	68	75	73	72	71	71	65	82	93	90	88	87
CWIP	18	27	25	39	43	35	39	52	39	25	19	15	14
Investments	684	754	756	367	367	527	534	232	250	257	630	297	834
Other Assets	26,176	29,376	32,259	35,415	38,857	48,281	72,185	75,777	76,588	78,518	80,230	93,022	112,984
Total Assets	26,949	30,224	33,114	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	113,919

Below is a detailed analysis of the balance sheet data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹2,002.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹2,002.00 Cr..
For Reserves, as of Sep 2024, the value is ₹15,121.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹14,611.00 Cr. (Mar 2024) to ₹15,121.00 Cr., marking an increase of 510.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹93,565.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹73,996.00 Cr. (Mar 2024) to ₹93,565.00 Cr., marking an increase of 19,569.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹3,231.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹2,814.00 Cr. (Mar 2024) to ₹3,231.00 Cr., marking an increase of 417.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹113,919.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹93,422.00 Cr. (Mar 2024) to ₹113,919.00 Cr., marking an increase of 20,497.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹87.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹88.00 Cr. (Mar 2024) to ₹87.00 Cr., marking a decrease of 1.00 Cr..
For CWIP, as of Sep 2024, the value is ₹14.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹15.00 Cr. (Mar 2024) to ₹14.00 Cr., marking a decrease of 1.00 Cr..
For Investments, as of Sep 2024, the value is ₹834.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹297.00 Cr. (Mar 2024) to ₹834.00 Cr., marking an increase of 537.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹112,984.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹93,022.00 Cr. (Mar 2024) to ₹112,984.00 Cr., marking an increase of 19,962.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹113,919.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹93,422.00 Cr. (Mar 2024) to ₹113,919.00 Cr., marking an increase of 20,497.00 Cr..

However, the Borrowings (93,565.00 Cr.) are higher than the Reserves (₹15,121.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	1,988	-3,663	-182	-4,965	-2,598	-7,830	-23,400	-1,336	2,161	-806	-851	-10,287
Cash from Investing Activity +	532	-80	-13	372	-5	-4	18	83	-14	-1	-352	435
Cash from Financing Activity +	-2,182	3,375	204	4,659	2,509	7,858	23,422	1,365	-1,083	81	691	10,174
Net Cash Flow	338	-368	9	66	-93	24	39	112	1,063	-726	-512	322

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	296.00	174.00	459.00	294.00	440.00	490.00	593.00	483.00	217.00	50.00	217.00	61.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	11%	11%	10%	10%	9%	11%	11%	15%	12%	12%	11%	13%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	75.17%	75.00%	75.00%	75.00%	75.00%
FIIs	0.21%	0.22%	0.24%	0.12%	0.30%	0.32%	0.65%	1.20%	1.91%	2.70%	2.32%	2.08%
DIIs	7.96%	7.81%	7.60%	7.30%	7.29%	7.17%	7.15%	11.80%	11.39%	11.64%	9.05%	9.74%
Public	10.02%	10.17%	10.34%	10.77%	10.61%	10.69%	10.41%	11.83%	11.70%	10.66%	13.63%	13.17%
No. of Shareholders	3,27,104	3,27,091	3,28,228	3,26,427	3,30,615	3,39,744	3,37,806	3,89,764	5,52,637	6,39,411	9,25,775	9,18,661

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Balanced Advantage Fund - Regular Plan	3,300,000	0.08	79.79	464,142	2025-03-11	610.99%
HSBC Multi Cap Fund	2,179,200	1.24	52.69	464,142	2025-03-11	369.51%
JM Flexicap Fund	2,000,000	1.07	48.36	464,142	2025-03-11	330.9%
JM Midcap Fund	998,976	1.38	24.16	464,142	2025-03-11	115.23%
JM Value Fund	640,000	1.43	15.48	464,142	2025-03-11	37.89%
Bank of India Small Cap Fund	500,358	0.8	12.1	464,142	2025-03-11	7.8%
Edelweiss Aggressive Hybrid Fund	464,142	0.51	11.22	464,142	2025-03-11	0%
Edelweiss Aggressive Hybrid Fund - Plan B	464,142	0.51	11.22	464,142	2025-03-11	0%
LIC MF Infrastructure Fund	426,994	1.38	10.32	464,142	2025-03-11	-8%
Kotak Nifty Alpha 50 ETF	399,439	2.84	9.66	464,142	2025-03-11	-13.94%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	10.57	8.50	8.57	7.89	8.53
Diluted EPS (Rs.)	10.57	8.50	8.57	7.89	8.53
Cash EPS (Rs.)	10.62	8.56	8.61	7.92	8.56
Book Value[Excl.RevalReserv]/Share (Rs.)	82.98	77.14	72.27	65.88	61.65
Book Value[Incl.RevalReserv]/Share (Rs.)	82.98	77.14	72.27	65.88	61.65
Revenue From Operations / Share (Rs.)	38.88	35.21	34.74	36.14	37.62
PBDIT / Share (Rs.)	39.03	34.01	34.40	34.97	35.11
PBIT / Share (Rs.)	38.98	33.95	34.36	34.93	35.08
PBT / Share (Rs.)	14.20	11.44	11.72	11.13	10.86
Net Profit / Share (Rs.)	10.57	8.50	8.57	7.88	8.53
NP After MI And SOA / Share (Rs.)	10.57	8.50	8.57	7.88	8.53
PBDIT Margin (%)	100.38	96.57	99.02	96.76	93.30
PBIT Margin (%)	100.25	96.41	98.91	96.66	93.23
PBT Margin (%)	36.52	32.47	33.73	30.80	28.87
Net Profit Margin (%)	27.19	24.13	24.68	21.81	22.68
NP After MI And SOA Margin (%)	27.19	24.13	24.68	21.81	22.67
Return on Networth / Equity (%)	12.74	11.01	11.86	11.96	13.84
Return on Capital Employeed (%)	12.91	10.44	9.79	9.29	9.42
Return On Assets (%)	2.26	2.10	2.17	2.05	2.24
Long Term Debt / Equity (X)	2.54	3.12	3.76	4.62	4.98
Total Debt / Equity (X)	4.45	4.07	4.25	4.62	4.98
Asset Turnover Ratio (%)	0.08	0.08	0.08	0.09	0.10
Current Ratio (X)	2.82	5.06	9.01	43.92	45.64
Quick Ratio (X)	2.82	5.06	9.01	43.92	45.64
Dividend Payout Ratio (NP) (%)	14.18	8.82	8.74	9.51	8.78
Dividend Payout Ratio (CP) (%)	14.12	8.76	8.70	9.46	8.76
Earning Retention Ratio (%)	85.82	91.18	91.26	90.49	91.22
Cash Earning Retention Ratio (%)	85.88	91.24	91.30	90.54	91.24
Interest Coverage Ratio (X)	1.58	1.51	1.52	1.47	1.45
Interest Coverage Ratio (Post Tax) (X)	1.43	1.38	1.38	1.33	1.35
Enterprise Value (Cr.)	111104.13	71512.46	67405.32	68338.90	65007.59
EV / Net Operating Revenue (X)	14.27	10.14	9.69	9.45	8.63
EV / EBITDA (X)	14.22	10.50	9.79	9.76	9.25
MarketCap / Net Operating Revenue (X)	4.82	1.23	0.94	1.21	0.53
Retention Ratios (%)	85.81	91.17	91.25	90.48	91.21
Price / BV (X)	2.26	0.56	0.45	0.66	0.32
Price / Net Operating Revenue (X)	4.82	1.23	0.94	1.21	0.53
EarningsYield	0.05	0.19	0.26	0.17	0.42

After reviewing the key financial ratios for Housing & Urban Development Corporation Ltd (HUDCO), here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 10.57. This value is within the healthy range. It has increased from 8.50 (Mar 23) to 10.57, marking an increase of 2.07.
For Diluted EPS (Rs.), as of Mar 24, the value is 10.57. This value is within the healthy range. It has increased from 8.50 (Mar 23) to 10.57, marking an increase of 2.07.
For Cash EPS (Rs.), as of Mar 24, the value is 10.62. This value is within the healthy range. It has increased from 8.56 (Mar 23) to 10.62, marking an increase of 2.06.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 82.98. It has increased from 77.14 (Mar 23) to 82.98, marking an increase of 5.84.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 82.98. It has increased from 77.14 (Mar 23) to 82.98, marking an increase of 5.84.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 38.88. It has increased from 35.21 (Mar 23) to 38.88, marking an increase of 3.67.
For PBDIT / Share (Rs.), as of Mar 24, the value is 39.03. This value is within the healthy range. It has increased from 34.01 (Mar 23) to 39.03, marking an increase of 5.02.
For PBIT / Share (Rs.), as of Mar 24, the value is 38.98. This value is within the healthy range. It has increased from 33.95 (Mar 23) to 38.98, marking an increase of 5.03.
For PBT / Share (Rs.), as of Mar 24, the value is 14.20. This value is within the healthy range. It has increased from 11.44 (Mar 23) to 14.20, marking an increase of 2.76.
For Net Profit / Share (Rs.), as of Mar 24, the value is 10.57. This value is within the healthy range. It has increased from 8.50 (Mar 23) to 10.57, marking an increase of 2.07.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 10.57. This value is within the healthy range. It has increased from 8.50 (Mar 23) to 10.57, marking an increase of 2.07.
For PBDIT Margin (%), as of Mar 24, the value is 100.38. This value is within the healthy range. It has increased from 96.57 (Mar 23) to 100.38, marking an increase of 3.81.
For PBIT Margin (%), as of Mar 24, the value is 100.25. This value exceeds the healthy maximum of 20. It has increased from 96.41 (Mar 23) to 100.25, marking an increase of 3.84.
For PBT Margin (%), as of Mar 24, the value is 36.52. This value is within the healthy range. It has increased from 32.47 (Mar 23) to 36.52, marking an increase of 4.05.
For Net Profit Margin (%), as of Mar 24, the value is 27.19. This value exceeds the healthy maximum of 10. It has increased from 24.13 (Mar 23) to 27.19, marking an increase of 3.06.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 27.19. This value exceeds the healthy maximum of 20. It has increased from 24.13 (Mar 23) to 27.19, marking an increase of 3.06.
For Return on Networth / Equity (%), as of Mar 24, the value is 12.74. This value is below the healthy minimum of 15. It has increased from 11.01 (Mar 23) to 12.74, marking an increase of 1.73.
For Return on Capital Employeed (%), as of Mar 24, the value is 12.91. This value is within the healthy range. It has increased from 10.44 (Mar 23) to 12.91, marking an increase of 2.47.
For Return On Assets (%), as of Mar 24, the value is 2.26. This value is below the healthy minimum of 5. It has increased from 2.10 (Mar 23) to 2.26, marking an increase of 0.16.
For Long Term Debt / Equity (X), as of Mar 24, the value is 2.54. This value exceeds the healthy maximum of 1. It has decreased from 3.12 (Mar 23) to 2.54, marking a decrease of 0.58.
For Total Debt / Equity (X), as of Mar 24, the value is 4.45. This value exceeds the healthy maximum of 1. It has increased from 4.07 (Mar 23) to 4.45, marking an increase of 0.38.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.08. There is no change compared to the previous period (Mar 23) which recorded 0.08.
For Current Ratio (X), as of Mar 24, the value is 2.82. This value is within the healthy range. It has decreased from 5.06 (Mar 23) to 2.82, marking a decrease of 2.24.
For Quick Ratio (X), as of Mar 24, the value is 2.82. This value exceeds the healthy maximum of 2. It has decreased from 5.06 (Mar 23) to 2.82, marking a decrease of 2.24.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 14.18. This value is below the healthy minimum of 20. It has increased from 8.82 (Mar 23) to 14.18, marking an increase of 5.36.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 14.12. This value is below the healthy minimum of 20. It has increased from 8.76 (Mar 23) to 14.12, marking an increase of 5.36.
For Earning Retention Ratio (%), as of Mar 24, the value is 85.82. This value exceeds the healthy maximum of 70. It has decreased from 91.18 (Mar 23) to 85.82, marking a decrease of 5.36.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 85.88. This value exceeds the healthy maximum of 70. It has decreased from 91.24 (Mar 23) to 85.88, marking a decrease of 5.36.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.58. This value is below the healthy minimum of 3. It has increased from 1.51 (Mar 23) to 1.58, marking an increase of 0.07.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.43. This value is below the healthy minimum of 3. It has increased from 1.38 (Mar 23) to 1.43, marking an increase of 0.05.
For Enterprise Value (Cr.), as of Mar 24, the value is 111,104.13. It has increased from 71,512.46 (Mar 23) to 111,104.13, marking an increase of 39,591.67.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 14.27. This value exceeds the healthy maximum of 3. It has increased from 10.14 (Mar 23) to 14.27, marking an increase of 4.13.
For EV / EBITDA (X), as of Mar 24, the value is 14.22. This value is within the healthy range. It has increased from 10.50 (Mar 23) to 14.22, marking an increase of 3.72.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 4.82. This value exceeds the healthy maximum of 3. It has increased from 1.23 (Mar 23) to 4.82, marking an increase of 3.59.
For Retention Ratios (%), as of Mar 24, the value is 85.81. This value exceeds the healthy maximum of 70. It has decreased from 91.17 (Mar 23) to 85.81, marking a decrease of 5.36.
For Price / BV (X), as of Mar 24, the value is 2.26. This value is within the healthy range. It has increased from 0.56 (Mar 23) to 2.26, marking an increase of 1.70.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 4.82. This value exceeds the healthy maximum of 3. It has increased from 1.23 (Mar 23) to 4.82, marking an increase of 3.59.
For EarningsYield, as of Mar 24, the value is 0.05. This value is below the healthy minimum of 5. It has decreased from 0.19 (Mar 23) to 0.05, marking a decrease of 0.14.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Housing & Urban Development Corporation Ltd (HUDCO) as of March 12, 2025 is: ₹124.64

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Housing & Urban Development Corporation Ltd (HUDCO) is Overvalued by 31.14% compared to the current share price 181.00

Intrinsic Value of Housing & Urban Development Corporation Ltd (HUDCO) as of March 12, 2025 is: 138.57

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Housing & Urban Development Corporation Ltd (HUDCO) is Overvalued by 23.44% compared to the current share price 181.00

Last 5 Year EPS CAGR: 11.17%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Housing & Urban Development Corporation Ltd (HUDCO):
1. Net Profit Margin: 27.19%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 12.91% (Industry Average ROCE: 9.95%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 12.74% (Industry Average ROE: 11.41%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.43
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 2.82
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 13.5 (Industry average Stock P/E: 31.22)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 4.45
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Housing and Urban Development Corporation Ltd. is a Public Limited Listed company incorporated on 25/04/1970 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1970GOI005276 and registration number is 005276. Currently company belongs to the Industry of Finance - Term Lending Institutions. Company's Total Operating Revenue is Rs. 7784.29 Cr. and Equity Capital is Rs. 2001.90 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance - Term Lending Institutions	HUDCO Bhawan, Core 7-A, New Delhi Delhi 110003	cswhudco@hudco.org http://www.hudco.org

Management
Name	Position Held
Mr. Sanjay Kulshrestha	Chairman & Managing Director
Mr. Daljeet Singh Khatri	Director - Finance
Mr. M Nagaraj	Director
Mr. Kuldip Narayan	Part Time Official Director
Mr. Sanjeet	Part Time Official Director
Dr. Ravindra Kumar Ray	Non Official Independent Director
Dr. Siyaram Singh	Non Official Independent Director
Mrs. Sabitha Bojan	Non Official Independent Director

FAQ

What is the latest intrinsic value of Housing & Urban Development Corporation Ltd (HUDCO)?

The latest intrinsic value of Housing & Urban Development Corporation Ltd (HUDCO) as on 12 March 2025 is 124.64, which is 31.14% lower than the current market price of 181.00, indicating the stock is overvalued by 31.14%. The intrinsic value of Housing & Urban Development Corporation Ltd (HUDCO) is calculated using PE ratio method. The stock has a market capitalization of ₹36,227 Cr. and recorded a high/low of ₹354/153 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹15,121 Cr and total liabilities of ₹113,919 Cr.

What is the Market Cap of Housing & Urban Development Corporation Ltd (HUDCO)?

The Market Cap of Housing & Urban Development Corporation Ltd (HUDCO) is 36,227 Cr..

What is the current Stock Price of Housing & Urban Development Corporation Ltd (HUDCO) as on 12 March 2025?

The current stock price of Housing & Urban Development Corporation Ltd (HUDCO) as on 12 March 2025 is ₹181.

What is the High / Low of Housing & Urban Development Corporation Ltd (HUDCO) stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Housing & Urban Development Corporation Ltd (HUDCO) stocks is ₹354/153.

What is the Stock P/E of Housing & Urban Development Corporation Ltd (HUDCO)?

The Stock P/E of Housing & Urban Development Corporation Ltd (HUDCO) is 13.5.

What is the Book Value of Housing & Urban Development Corporation Ltd (HUDCO)?

The Book Value of Housing & Urban Development Corporation Ltd (HUDCO) is 85.5.

What is the Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO)?

The Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO) is 2.26 %.

What is the ROCE of Housing & Urban Development Corporation Ltd (HUDCO)?

The ROCE of Housing & Urban Development Corporation Ltd (HUDCO) is 9.23 %.

What is the ROE of Housing & Urban Development Corporation Ltd (HUDCO)?

The ROE of Housing & Urban Development Corporation Ltd (HUDCO) is 13.2 %.

What is the Face Value of Housing & Urban Development Corporation Ltd (HUDCO)?

The Face Value of Housing & Urban Development Corporation Ltd (HUDCO) is 10.0.