Share Price and Basic Stock Data
Last Updated: December 16, 2025, 4:10 pm
| PEG Ratio | 1.45 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Housing & Urban Development Corporation Ltd (HUDCO) stands as a pivotal player in India’s finance sector, primarily focusing on term lending institutions. The company’s price currently sits at ₹213, with a market capitalization of ₹42,598 Cr. Notably, HUDCO has exhibited a steady upward trend in revenue, recording figures of ₹7,082 Cr for FY 2023, which is an increase from ₹6,986 Cr in FY 2022. For FY 2025, the revenue is projected to rise sharply to ₹10,345 Cr, indicating a robust growth trajectory. This upward movement is further underscored by quarterly revenues that have shown consistent improvement, peaking at ₹2,845 Cr in March 2025, suggesting that the company is capitalizing on the growing demand for housing finance in a rapidly urbanizing India. HUDCO’s strong revenue performance can be attributed to its strategic focus on affordable housing and urban infrastructure projects, which are aligned with government initiatives aimed at boosting these sectors.
Profitability and Efficiency Metrics
Profitability metrics for HUDCO reveal a company that is not only growing but doing so efficiently. The net profit for FY 2023 stood at ₹1,701 Cr, slightly down from ₹1,716 Cr in FY 2022, but the trajectory looks promising with a forecast of ₹2,709 Cr for FY 2025. The earnings per share (EPS) has also shown a positive trend, rising to ₹13.53 for FY 2025, up from ₹10.57 in the previous fiscal year. The return on equity (ROE) for the latest fiscal year was reported at 15.7%, reflecting a commendable ability to generate profits from shareholders’ investments. The interest coverage ratio (ICR) of 1.54x indicates that HUDCO is comfortably managing its interest obligations, although this figure suggests a relatively tight margin. Notably, the financing margin percentage fluctuated but ended at a healthy 36% for FY 2025, demonstrating effective cost management amid rising interest rates.
Balance Sheet Strength and Financial Ratios
Analyzing HUDCO’s balance sheet reveals significant strengths, particularly in its reserves and equity. The reserves increased to ₹16,033 Cr by FY 2025, enhancing the company’s financial cushion and reflecting prudent management of earnings. However, the total borrowings have surged to ₹107,297 Cr, raising concerns about leverage as the total debt-to-equity ratio stood at a high 5.97x. While this indicates a reliance on debt for financing growth, it also poses potential risks, especially in a rising interest rate environment. The book value per share has been on an upward trajectory, reaching ₹89.75, which offers a solid base for valuation. Despite the high debt levels, the return on capital employed (ROCE) of 9.62% suggests that HUDCO is utilizing its capital effectively, though it remains to be seen how this will be impacted by the increasing borrowing costs.
Shareholding Pattern and Investor Confidence
Investor confidence in HUDCO appears to be stable, as reflected in its shareholding pattern. Promoters hold a substantial 75% stake, which indicates strong internal commitment to the company’s future. However, foreign institutional investors (FIIs) and domestic institutional investors (DIIs) have shown a gradual increase in their stakes, with FIIs reaching 1.94% and DIIs at 10.92%. This could point to growing interest from institutional players, suggesting a positive outlook on HUDCO’s operational performance and governance. Nonetheless, the decline in promoter holding from 81.81% in early 2023 to 75% raises questions about potential dilution of control and investor sentiment. The number of shareholders has also been fluctuating, which may reflect market dynamics and investor interest levels at different points in time.
Outlook, Risks, and Final Insight
Looking ahead, HUDCO’s growth prospects are intertwined with both opportunities and risks. The ongoing urbanization and government initiatives aimed at boosting affordable housing provide a favorable backdrop for HUDCO’s business model. However, the rising interest rate environment poses a significant risk, potentially squeezing margins and affecting borrowing costs. Furthermore, the high debt levels could become a burden if the company faces liquidity issues or if there are unexpected economic downturns. Investors should also consider the company’s ability to maintain its profitability amid these challenges. While HUDCO shows promise with its established market position and growth in revenues, the balance between growth and financial prudence will be crucial in shaping its long-term success. Therefore, potential investors may want to weigh the company’s strengths against these inherent risks before making decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| 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 | 3,011 Cr. | 65.0 | 75.9/24.4 | 26.8 | 27.0 | 0.92 % | 10.7 % | 8.51 % | 2.00 |
| Power Finance Corporation Ltd (PFC) | 1,10,982 Cr. | 336 | 513/335 | 4.48 | 385 | 4.70 % | 9.73 % | 21.0 % | 10.0 |
| IFCI Ltd | 12,917 Cr. | 47.9 | 74.5/35.7 | 33.9 | 32.9 | 0.00 % | 8.08 % | 2.60 % | 10.0 |
| Housing & Urban Development Corporation Ltd (HUDCO) | 42,190 Cr. | 211 | 264/159 | 15.0 | 90.1 | 1.92 % | 9.62 % | 15.7 % | 10.0 |
| Industry Average | 42,275.00 Cr | 164.98 | 20.05 | 133.75 | 1.89% | 9.53% | 11.95% | 8.00 |
All Competitor Stocks of Housing & Urban Development Corporation Ltd (HUDCO)
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,749 | 1,739 | 1,710 | 1,852 | 1,843 | 1,865 | 2,013 | 2,065 | 2,188 | 2,518 | 2,760 | 2,845 | 2,937 |
| Interest | 1,117 | 1,109 | 1,132 | 1,150 | 1,191 | 1,217 | 1,313 | 1,240 | 1,464 | 1,662 | 1,762 | 1,859 | 1,976 |
| Expenses | 85 | 103 | 245 | -155 | 60 | 55 | 12 | 8 | 47 | -138 | 73 | -28 | 109 |
| Financing Profit | 547 | 527 | 333 | 857 | 592 | 593 | 688 | 817 | 678 | 994 | 924 | 1,014 | 852 |
| Financing Margin % | 31% | 30% | 19% | 46% | 32% | 32% | 34% | 40% | 31% | 39% | 33% | 36% | 29% |
| Other Income | 8 | 8 | 10 | 10 | 9 | 16 | 10 | 129 | 9 | 8 | 10 | 10 | 8 |
| Depreciation | 3 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 3 |
| Profit before tax | 553 | 532 | 340 | 864 | 598 | 606 | 696 | 943 | 685 | 1,000 | 932 | 1,020 | 857 |
| Tax % | 26% | 26% | 25% | 26% | 25% | 26% | 25% | 26% | 19% | 31% | 21% | 29% | 26% |
| Net Profit | 412 | 396 | 254 | 639 | 446 | 452 | 519 | 700 | 558 | 689 | 735 | 728 | 630 |
| EPS in Rs | 2.06 | 1.98 | 1.27 | 3.19 | 2.23 | 2.26 | 2.59 | 3.50 | 2.79 | 3.44 | 3.67 | 3.64 | 3.15 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 20, 2025, 9:35 am
Below is a detailed analysis of the quarterly data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,976.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,859.00 Cr. (Mar 2025) to 1,976.00 Cr., marking an increase of 117.00 Cr..
- For Expenses, as of Jun 2025, the value is 109.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from -28.00 Cr. (Mar 2025) to 109.00 Cr., marking an increase of 137.00 Cr..
- For Other Income, as of Jun 2025, the value is 8.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10.00 Cr. (Mar 2025) to 8.00 Cr., marking a decrease of 2.00 Cr..
- For Depreciation, as of Jun 2025, the value is 3.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 4.00 Cr. (Mar 2025) to 3.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 857.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,020.00 Cr. (Mar 2025) to 857.00 Cr., marking a decrease of 163.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 29.00% (Mar 2025) to 26.00%, marking a decrease of 3.00%.
- For Net Profit, as of Jun 2025, the value is 630.00 Cr.. The value appears to be declining and may need further review. It has decreased from 728.00 Cr. (Mar 2025) to 630.00 Cr., marking a decrease of 98.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.15. The value appears to be declining and may need further review. It has decreased from 3.64 (Mar 2025) to 3.15, marking a decrease of 0.49.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:14 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,978 | 3,383 | 3,270 | 3,536 | 4,228 | 5,584 | 7,567 | 7,267 | 6,986 | 7,082 | 7,831 | 10,345 | 11,762 |
| Interest | 1,702 | 1,775 | 1,908 | 1,986 | 2,295 | 3,071 | 4,848 | 4,765 | 4,533 | 4,507 | 4,961 | 6,747 | 7,745 |
| Expenses | 192 | 477 | 319 | 468 | 526 | 652 | 544 | 277 | 111 | 279 | 134 | -46 | 301 |
| Financing Profit | 1,084 | 1,131 | 1,044 | 1,082 | 1,408 | 1,861 | 2,176 | 2,225 | 2,342 | 2,296 | 2,736 | 3,644 | 3,716 |
| Financing Margin % | 36% | 33% | 32% | 31% | 33% | 33% | 29% | 31% | 34% | 32% | 35% | 35% | 32% |
| Other Income | 25 | 44 | 37 | 98 | 6 | 7 | 4 | 11 | 11 | 4 | 117 | 4 | 60 |
| Depreciation | 4 | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 8 | 11 | 10 | 11 | 12 |
| Profit before tax | 1,105 | 1,170 | 1,076 | 1,175 | 1,408 | 1,863 | 2,174 | 2,229 | 2,346 | 2,289 | 2,843 | 3,637 | 3,764 |
| Tax % | 34% | 34% | 27% | 28% | 28% | 37% | 21% | 29% | 27% | 26% | 26% | 26% | |
| Net Profit | 734 | 768 | 783 | 842 | 1,010 | 1,180 | 1,708 | 1,578 | 1,716 | 1,701 | 2,117 | 2,709 | 2,803 |
| EPS in Rs | 366.64 | 383.80 | 3.91 | 4.21 | 5.04 | 5.89 | 8.53 | 7.89 | 8.57 | 8.50 | 10.57 | 13.53 | 14.01 |
| Dividend Payout % | 14% | 13% | 13% | 13% | 11% | 14% | 36% | 28% | 41% | 45% | 39% | 31% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 4.63% | 1.95% | 7.54% | 19.95% | 16.83% | 44.75% | -7.61% | 8.75% | -0.87% | 24.46% | 27.96% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2.68% | 5.58% | 12.42% | -3.12% | 27.91% | -52.36% | 16.36% | -9.62% | 25.33% | 3.51% |
Housing & Urban Development Corporation Ltd (HUDCO) has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 6% |
| 3 Years: | 14% |
| TTM: | 36% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 10% |
| 3 Years: | 16% |
| TTM: | 25% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 42% |
| 3 Years: | 73% |
| 1 Year: | -18% |
| Return on Equity | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 13% |
| 3 Years: | 14% |
| Last Year: | 16% |
Last Updated: September 5, 2025, 6:30 am
Balance Sheet
Last Updated: December 4, 2025, 1:23 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 5,130 | 5,779 | 6,444 | 7,166 | 7,940 | 8,953 | 10,340 | 11,186 | 12,465 | 13,442 | 14,611 | 15,966 | 16,033 |
| Borrowing | 18,888 | 18,315 | 25,449 | 28,196 | 36,277 | 59,848 | 61,437 | 60,978 | 61,503 | 62,905 | 73,996 | 107,297 | 126,838 |
| Other Liabilities | 4,204 | 7,018 | 1,999 | 1,975 | 2,695 | 2,026 | 2,347 | 2,792 | 2,924 | 2,621 | 2,814 | 3,231 | 4,391 |
| Total Liabilities | 30,224 | 33,114 | 35,894 | 39,339 | 48,914 | 72,828 | 76,126 | 76,958 | 78,894 | 80,969 | 93,422 | 128,496 | 149,264 |
| Fixed Assets | 68 | 75 | 73 | 72 | 71 | 71 | 65 | 82 | 93 | 90 | 88 | 88 | 87 |
| CWIP | 27 | 25 | 39 | 43 | 35 | 39 | 52 | 39 | 25 | 19 | 15 | 16 | 17 |
| Investments | 754 | 756 | 367 | 367 | 527 | 534 | 232 | 250 | 257 | 630 | 297 | 1,318 | 1,701 |
| Other Assets | 29,376 | 32,259 | 35,415 | 38,857 | 48,281 | 72,185 | 75,777 | 76,588 | 78,518 | 80,230 | 93,022 | 127,074 | 147,460 |
| Total Assets | 30,224 | 33,114 | 35,894 | 39,339 | 48,914 | 72,828 | 76,126 | 76,958 | 78,894 | 80,969 | 93,422 | 128,496 | 149,264 |
Below is a detailed analysis of the balance sheet data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 2,002.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2,002.00 Cr..
- For Reserves, as of Sep 2025, the value is 16,033.00 Cr.. The value appears strong and on an upward trend. It has increased from 15,966.00 Cr. (Mar 2025) to 16,033.00 Cr., marking an increase of 67.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 4,391.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,231.00 Cr. (Mar 2025) to 4,391.00 Cr., marking an increase of 1,160.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 149,264.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 128,496.00 Cr. (Mar 2025) to 149,264.00 Cr., marking an increase of 20,768.00 Cr..
- For Fixed Assets, as of Sep 2025, 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 2025) to 87.00 Cr., marking a decrease of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 17.00 Cr.. The value appears strong and on an upward trend. It has increased from 16.00 Cr. (Mar 2025) to 17.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 1,701.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,318.00 Cr. (Mar 2025) to 1,701.00 Cr., marking an increase of 383.00 Cr..
- For Other Assets, as of Sep 2025, the value is 147,460.00 Cr.. The value appears strong and on an upward trend. It has increased from 127,074.00 Cr. (Mar 2025) to 147,460.00 Cr., marking an increase of 20,386.00 Cr..
- For Total Assets, as of Sep 2025, the value is 149,264.00 Cr.. The value appears strong and on an upward trend. It has increased from 128,496.00 Cr. (Mar 2025) to 149,264.00 Cr., marking an increase of 20,768.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 174.00 | 459.00 | 294.00 | 440.00 | 490.00 | 593.00 | 483.00 | 217.00 | 50.00 | 217.00 | 61.00 | -153.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 11% | 10% | 10% | 9% | 11% | 11% | 15% | 12% | 12% | 11% | 13% | 16% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HSBC Small Cap Fund | 8,043,000 | 1.19 | 192.45 | N/A | N/A | N/A |
| Aditya Birla Sun Life Midcap Fund | 5,693,087 | 2.17 | 136.22 | 4,213,942 | 2025-12-15 00:23:58 | 35.1% |
| HSBC Value Fund | 5,208,190 | 0.86 | 124.62 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 3,300,000 | 0.07 | 78.96 | N/A | N/A | N/A |
| Bank of India Small Cap Fund | 2,000,000 | 2.42 | 47.86 | 500,358 | 2025-12-08 00:56:40 | 299.71% |
| Edelweiss Balanced Advantage Fund | 1,835,964 | 0.33 | 43.93 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 1,587,300 | 0.19 | 37.98 | 1,143,300 | 2025-12-15 00:23:58 | 38.83% |
| Bank of India Mid & Small Cap Equity & Debt Fund | 1,580,000 | 2.86 | 37.81 | N/A | N/A | N/A |
| Quant Flexi Cap Fund | 1,408,966 | 0.49 | 33.71 | N/A | N/A | N/A |
| JM Value Fund | 984,000 | 2.38 | 23.55 | 640,000 | 2025-12-08 07:59:39 | 53.75% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 13.53 | 10.57 | 8.50 | 8.57 | 7.89 |
| Diluted EPS (Rs.) | 13.53 | 10.57 | 8.50 | 8.57 | 7.89 |
| Cash EPS (Rs.) | 13.59 | 10.62 | 8.56 | 8.61 | 7.92 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 89.75 | 82.98 | 77.14 | 72.27 | 65.88 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 89.75 | 82.98 | 77.14 | 72.27 | 65.88 |
| Revenue From Operations / Share (Rs.) | 51.51 | 38.88 | 35.21 | 34.74 | 36.14 |
| PBDIT / Share (Rs.) | 51.92 | 39.03 | 34.01 | 34.40 | 34.97 |
| PBIT / Share (Rs.) | 51.87 | 38.98 | 33.95 | 34.36 | 34.93 |
| PBT / Share (Rs.) | 18.17 | 14.20 | 11.44 | 11.72 | 11.13 |
| Net Profit / Share (Rs.) | 13.53 | 10.57 | 8.50 | 8.57 | 7.88 |
| NP After MI And SOA / Share (Rs.) | 13.53 | 10.57 | 8.50 | 8.57 | 7.88 |
| PBDIT Margin (%) | 100.80 | 100.38 | 96.57 | 99.02 | 96.76 |
| PBIT Margin (%) | 100.70 | 100.25 | 96.41 | 98.91 | 96.66 |
| PBT Margin (%) | 35.26 | 36.52 | 32.47 | 33.73 | 30.80 |
| Net Profit Margin (%) | 26.27 | 27.19 | 24.13 | 24.68 | 21.81 |
| NP After MI And SOA Margin (%) | 26.27 | 27.19 | 24.13 | 24.68 | 21.81 |
| Return on Networth / Equity (%) | 15.07 | 12.74 | 11.01 | 11.86 | 11.96 |
| Return on Capital Employeed (%) | 52.29 | 12.91 | 10.44 | 9.79 | 9.29 |
| Return On Assets (%) | 2.10 | 2.26 | 2.10 | 2.17 | 2.05 |
| Long Term Debt / Equity (X) | 0.00 | 2.54 | 3.12 | 3.76 | 4.62 |
| Total Debt / Equity (X) | 5.97 | 4.45 | 4.07 | 4.25 | 4.62 |
| Asset Turnover Ratio (%) | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 |
| Current Ratio (X) | 1.18 | 2.82 | 5.06 | 9.01 | 43.92 |
| Quick Ratio (X) | 1.18 | 2.82 | 5.06 | 9.01 | 43.92 |
| Dividend Payout Ratio (NP) (%) | 19.58 | 14.18 | 8.82 | 8.74 | 9.51 |
| Dividend Payout Ratio (CP) (%) | 19.50 | 14.12 | 8.76 | 8.70 | 9.46 |
| Earning Retention Ratio (%) | 80.42 | 85.82 | 91.18 | 91.26 | 90.49 |
| Cash Earning Retention Ratio (%) | 80.50 | 85.88 | 91.24 | 91.30 | 90.54 |
| Interest Coverage Ratio (X) | 1.54 | 1.58 | 1.51 | 1.52 | 1.47 |
| Interest Coverage Ratio (Post Tax) (X) | 1.40 | 1.43 | 1.38 | 1.38 | 1.33 |
| Enterprise Value (Cr.) | 147150.11 | 111104.13 | 71512.46 | 67405.32 | 68338.90 |
| EV / Net Operating Revenue (X) | 14.27 | 14.27 | 10.14 | 9.69 | 9.45 |
| EV / EBITDA (X) | 14.16 | 14.22 | 10.50 | 9.79 | 9.76 |
| MarketCap / Net Operating Revenue (X) | 3.87 | 4.82 | 1.23 | 0.94 | 1.21 |
| Retention Ratios (%) | 80.41 | 85.81 | 91.17 | 91.25 | 90.48 |
| Price / BV (X) | 2.22 | 2.26 | 0.56 | 0.45 | 0.66 |
| Price / Net Operating Revenue (X) | 3.87 | 4.82 | 1.23 | 0.94 | 1.21 |
| EarningsYield | 0.06 | 0.05 | 0.19 | 0.26 | 0.17 |
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 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 13.53. This value is within the healthy range. It has increased from 10.57 (Mar 24) to 13.53, marking an increase of 2.96.
- For Diluted EPS (Rs.), as of Mar 25, the value is 13.53. This value is within the healthy range. It has increased from 10.57 (Mar 24) to 13.53, marking an increase of 2.96.
- For Cash EPS (Rs.), as of Mar 25, the value is 13.59. This value is within the healthy range. It has increased from 10.62 (Mar 24) to 13.59, marking an increase of 2.97.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 89.75. It has increased from 82.98 (Mar 24) to 89.75, marking an increase of 6.77.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 89.75. It has increased from 82.98 (Mar 24) to 89.75, marking an increase of 6.77.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 51.51. It has increased from 38.88 (Mar 24) to 51.51, marking an increase of 12.63.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 51.92. This value is within the healthy range. It has increased from 39.03 (Mar 24) to 51.92, marking an increase of 12.89.
- For PBIT / Share (Rs.), as of Mar 25, the value is 51.87. This value is within the healthy range. It has increased from 38.98 (Mar 24) to 51.87, marking an increase of 12.89.
- For PBT / Share (Rs.), as of Mar 25, the value is 18.17. This value is within the healthy range. It has increased from 14.20 (Mar 24) to 18.17, marking an increase of 3.97.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 13.53. This value is within the healthy range. It has increased from 10.57 (Mar 24) to 13.53, marking an increase of 2.96.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 13.53. This value is within the healthy range. It has increased from 10.57 (Mar 24) to 13.53, marking an increase of 2.96.
- For PBDIT Margin (%), as of Mar 25, the value is 100.80. This value is within the healthy range. It has increased from 100.38 (Mar 24) to 100.80, marking an increase of 0.42.
- For PBIT Margin (%), as of Mar 25, the value is 100.70. This value exceeds the healthy maximum of 20. It has increased from 100.25 (Mar 24) to 100.70, marking an increase of 0.45.
- For PBT Margin (%), as of Mar 25, the value is 35.26. This value is within the healthy range. It has decreased from 36.52 (Mar 24) to 35.26, marking a decrease of 1.26.
- For Net Profit Margin (%), as of Mar 25, the value is 26.27. This value exceeds the healthy maximum of 10. It has decreased from 27.19 (Mar 24) to 26.27, marking a decrease of 0.92.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 26.27. This value exceeds the healthy maximum of 20. It has decreased from 27.19 (Mar 24) to 26.27, marking a decrease of 0.92.
- For Return on Networth / Equity (%), as of Mar 25, the value is 15.07. This value is within the healthy range. It has increased from 12.74 (Mar 24) to 15.07, marking an increase of 2.33.
- For Return on Capital Employeed (%), as of Mar 25, the value is 52.29. This value is within the healthy range. It has increased from 12.91 (Mar 24) to 52.29, marking an increase of 39.38.
- For Return On Assets (%), as of Mar 25, the value is 2.10. This value is below the healthy minimum of 5. It has decreased from 2.26 (Mar 24) to 2.10, marking a decrease of 0.16.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.54 (Mar 24) to 0.00, marking a decrease of 2.54.
- For Total Debt / Equity (X), as of Mar 25, the value is 5.97. This value exceeds the healthy maximum of 1. It has increased from 4.45 (Mar 24) to 5.97, marking an increase of 1.52.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.09. It has increased from 0.08 (Mar 24) to 0.09, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 1.5. It has decreased from 2.82 (Mar 24) to 1.18, marking a decrease of 1.64.
- For Quick Ratio (X), as of Mar 25, the value is 1.18. This value is within the healthy range. It has decreased from 2.82 (Mar 24) to 1.18, marking a decrease of 1.64.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 19.58. This value is below the healthy minimum of 20. It has increased from 14.18 (Mar 24) to 19.58, marking an increase of 5.40.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 19.50. This value is below the healthy minimum of 20. It has increased from 14.12 (Mar 24) to 19.50, marking an increase of 5.38.
- For Earning Retention Ratio (%), as of Mar 25, the value is 80.42. This value exceeds the healthy maximum of 70. It has decreased from 85.82 (Mar 24) to 80.42, marking a decrease of 5.40.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 80.50. This value exceeds the healthy maximum of 70. It has decreased from 85.88 (Mar 24) to 80.50, marking a decrease of 5.38.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.54. This value is below the healthy minimum of 3. It has decreased from 1.58 (Mar 24) to 1.54, marking a decrease of 0.04.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.40. This value is below the healthy minimum of 3. It has decreased from 1.43 (Mar 24) to 1.40, marking a decrease of 0.03.
- For Enterprise Value (Cr.), as of Mar 25, the value is 147,150.11. It has increased from 111,104.13 (Mar 24) to 147,150.11, marking an increase of 36,045.98.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 14.27. This value exceeds the healthy maximum of 3. There is no change compared to the previous period (Mar 24) which recorded 14.27.
- For EV / EBITDA (X), as of Mar 25, the value is 14.16. This value is within the healthy range. It has decreased from 14.22 (Mar 24) to 14.16, marking a decrease of 0.06.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.87. This value exceeds the healthy maximum of 3. It has decreased from 4.82 (Mar 24) to 3.87, marking a decrease of 0.95.
- For Retention Ratios (%), as of Mar 25, the value is 80.41. This value exceeds the healthy maximum of 70. It has decreased from 85.81 (Mar 24) to 80.41, marking a decrease of 5.40.
- For Price / BV (X), as of Mar 25, the value is 2.22. This value is within the healthy range. It has decreased from 2.26 (Mar 24) to 2.22, marking a decrease of 0.04.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.87. This value exceeds the healthy maximum of 3. It has decreased from 4.82 (Mar 24) to 3.87, marking a decrease of 0.95.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.06, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
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):
- Net Profit Margin: 26.27%
- 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.
- ROCE: 52.29% (Industry Average ROCE: 9.53%)
- 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.
- ROE%: 15.07% (Industry Average ROE: 11.95%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.4
- 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.
- Quick Ratio: 1.18
- 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.
- Stock P/E: 15 (Industry average Stock P/E: 20.05)
- 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.
- Total Debt / Equity: 5.97
- 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.
Stock Rating: - Net Profit Margin: 26.27%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Term Lending Institutions | HUDCO Bhawan, Core 7-A, New Delhi Delhi 110003 | cswhudco@hudco.org http://www.hudco.org.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjay Kulshrestha | Chairman & Managing Director |
| Mr. Daljeet Singh Khatri | Director - Finance |
| Mr. M Nagaraj | Director |
| Mr. Sanjeet | Part Time Official Director |
| Mr. Solomon Arokiaraj | Part Time Official Director |
| Dr. Ravindra Kumar Ray | Non Official Independent Director |
| Mrs. Sabitha Bojan | Non Official Independent Director |
| Mr. Kantilal Chaturbhai Patel | Non Official Independent Director |
FAQ
What is the intrinsic value of Housing & Urban Development Corporation Ltd (HUDCO)?
Housing & Urban Development Corporation Ltd (HUDCO)'s intrinsic value (as of 16 December 2025) is 173.01 which is 18.00% lower the current market price of 211.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 42,190 Cr. market cap, FY2025-2026 high/low of 264/159, reserves of ₹16,033 Cr, and liabilities of 149,264 Cr.
What is the Market Cap of Housing & Urban Development Corporation Ltd (HUDCO)?
The Market Cap of Housing & Urban Development Corporation Ltd (HUDCO) is 42,190 Cr..
What is the current Stock Price of Housing & Urban Development Corporation Ltd (HUDCO) as on 16 December 2025?
The current stock price of Housing & Urban Development Corporation Ltd (HUDCO) as on 16 December 2025 is 211.
What is the High / Low of Housing & Urban Development Corporation Ltd (HUDCO) stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Housing & Urban Development Corporation Ltd (HUDCO) stocks is 264/159.
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 15.0.
What is the Book Value of Housing & Urban Development Corporation Ltd (HUDCO)?
The Book Value of Housing & Urban Development Corporation Ltd (HUDCO) is 90.1.
What is the Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO)?
The Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO) is 1.92 %.
What is the ROCE of Housing & Urban Development Corporation Ltd (HUDCO)?
The ROCE of Housing & Urban Development Corporation Ltd (HUDCO) is 9.62 %.
What is the ROE of Housing & Urban Development Corporation Ltd (HUDCO)?
The ROE of Housing & Urban Development Corporation Ltd (HUDCO) is 15.7 %.
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.