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Last Updated: February 25, 2026, 8:20 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540530 | NSE: HUDCO

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

Share Price and Basic Stock Data

Last Updated: February 25, 2026, 8:20 am

Market Cap 38,052 Cr.
Current Price 190
Intrinsic Value₹174.51
High / Low 254/159
Stock P/E13.7
Book Value 90.1
Dividend Yield2.18 %
ROCE9.62 %
ROE15.7 %
Face Value 10.0
PEG Ratio1.35

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

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

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 3,612 Cr. 78.0 80.5/27.429.7 27.00.77 %10.7 %8.51 % 2.00
Power Finance Corporation Ltd (PFC) 1,38,406 Cr. 419 444/3305.49 3853.77 %9.73 %21.0 % 10.0
IFCI Ltd 15,821 Cr. 58.7 74.5/35.739.6 32.90.00 %8.08 %2.60 % 10.0
Housing & Urban Development Corporation Ltd (HUDCO) 38,052 Cr. 190 254/15913.7 90.12.18 %9.62 %15.7 % 10.0
Industry Average48,972.75 Cr186.4322.12133.751.68%9.53%11.95%8.00

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

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1,7101,8521,8431,8652,0132,0652,1882,5182,7602,8452,9373,2193,431
Interest 1,1321,1501,1911,2171,3131,2401,4641,6621,7621,8591,9762,1472,394
Expenses 245-155605512847-13873-28109147320
Financing Profit3338575925936888176789949241,014852926717
Financing Margin %19%46%32%32%34%40%31%39%33%36%29%29%21%
Other Income 10109161012998101083274
Depreciation 3322222334333
Profit before tax 3408645986066969436851,0009321,020857955788
Tax % 25%26%25%26%25%26%19%31%21%29%26%26%10%
Net Profit 254639446452519700558689735728630710713
EPS in Rs 1.273.192.232.262.593.502.793.443.673.643.153.553.56
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 4:02 pm

Below is a detailed analysis of the quarterly data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Dec 2025) and their trends compared to the previous period:

  • For Interest, as of Dec 2025, the value is 2,394.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,147.00 Cr. (Sep 2025) to 2,394.00 Cr., marking an increase of 247.00 Cr..
  • For Expenses, as of Dec 2025, the value is 320.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 147.00 Cr. (Sep 2025) to 320.00 Cr., marking an increase of 173.00 Cr..
  • For Other Income, as of Dec 2025, the value is 74.00 Cr.. The value appears strong and on an upward trend. It has increased from 32.00 Cr. (Sep 2025) to 74.00 Cr., marking an increase of 42.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 3.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 788.00 Cr.. The value appears to be declining and may need further review. It has decreased from 955.00 Cr. (Sep 2025) to 788.00 Cr., marking a decrease of 167.00 Cr..
  • For Tax %, as of Dec 2025, the value is 10.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2025) to 10.00%, marking a decrease of 16.00%.
  • For Net Profit, as of Dec 2025, the value is 713.00 Cr.. The value appears strong and on an upward trend. It has increased from 710.00 Cr. (Sep 2025) to 713.00 Cr., marking an increase of 3.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 3.56. The value appears strong and on an upward trend. It has increased from 3.55 (Sep 2025) to 3.56, marking an increase of 0.01.

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: February 24, 2026, 10:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2,9783,3833,2703,5364,2285,5847,5677,2676,9867,0827,83110,34512,433
Interest 1,7021,7751,9081,9862,2953,0714,8484,7654,5334,5074,9616,7478,377
Expenses 192477319468526652544277111279134-46547
Financing Profit1,0841,1311,0441,0821,4081,8612,1762,2252,3422,2962,7363,6443,509
Financing Margin %36%33%32%31%33%33%29%31%34%32%35%35%28%
Other Income 25443798674111141174124
Depreciation 45555567811101112
Profit before tax 1,1051,1701,0761,1751,4081,8632,1742,2292,3462,2892,8433,6373,621
Tax % 34%34%27%28%28%37%21%29%27%26%26%26%
Net Profit 7347687838421,0101,1801,7081,5781,7161,7012,1172,7092,781
EPS in Rs 366.64383.803.914.215.045.898.537.898.578.5010.5713.5313.90
Dividend Payout % 14%13%13%13%11%14%36%28%41%45%39%31%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 2,0022,0022,0022,0022,0022,0022,0022,0022,0022,0022,0022,0022,002
Reserves 5,1305,7796,4447,1667,9408,95310,34011,18612,46513,44214,61115,96616,033
Borrowing18,88818,31525,44928,19636,27759,84861,43760,97861,50362,90573,996107,297126,838
Other Liabilities 4,2047,0181,9991,9752,6952,0262,3472,7922,9242,6212,8143,2314,391
Total Liabilities 30,22433,11435,89439,33948,91472,82876,12676,95878,89480,96993,422128,496149,264
Fixed Assets 68757372717165829390888887
CWIP 27253943353952392519151617
Investments 7547563673675275342322502576302971,3181,701
Other Assets 29,37632,25935,41538,85748,28172,18575,77776,58878,51880,23093,022127,074147,460
Total Assets 30,22433,11435,89439,33948,91472,82876,12676,95878,89480,96993,422128,496149,264

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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -3,663-182-4,965-2,598-7,830-23,400-1,3362,161-806-851-10,287-31,603
Cash from Investing Activity + -80-13372-5-41883-14-1-352435-939
Cash from Financing Activity + 3,3752044,6592,5097,85823,4221,365-1,0838169110,17432,215
Net Cash Flow -368966-9324391121,063-726-512322-326

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow174.00459.00294.00440.00490.00593.00483.00217.0050.00217.0061.00-153.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 11%10%10%9%11%11%15%12%12%11%13%16%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 81.81%81.81%81.81%75.17%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%
FIIs 0.30%0.32%0.65%1.20%1.91%2.70%2.32%2.08%2.46%1.96%1.94%1.97%
DIIs 7.29%7.17%7.15%11.80%11.39%11.64%9.05%9.74%9.69%10.26%10.92%11.46%
Public 10.61%10.69%10.41%11.83%11.70%10.66%13.63%13.17%12.85%12.78%12.13%11.56%
No. of Shareholders 3,30,6153,39,7443,37,8063,89,7645,52,6376,39,4119,25,7759,18,6619,32,3898,79,3668,43,0848,02,766

Shareholding Pattern Chart

No. of Shareholders

Housing & Urban Development Corporation Ltd (HUDCO): Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HSBC Small Cap Fund 8,043,000 1.03 154.14N/AN/AN/A
Aditya Birla Sun Life Midcap Fund 5,693,087 1.81 109.114,213,9422025-12-15 00:23:5835.1%
HSBC Value Fund 5,208,190 0.69 99.82N/AN/AN/A
HDFC Balanced Advantage Fund 3,300,000 0.06 63.24N/AN/AN/A
HSBC Multi Cap Fund 2,179,200 0.81 41.762,179,2002025-04-22 17:25:320%
Bank of India Small Cap Fund 2,000,000 2.1 38.33500,3582025-12-08 00:56:40299.71%
Bank of India Mid & Small Cap Equity & Debt Fund 1,580,000 2.28 30.28N/AN/AN/A
Edelweiss Balanced Advantage Fund 1,447,668 0.21 27.741,835,9642026-02-23 07:31:00-21.15%
Mirae Asset Arbitrage Fund 999,000 0.53 19.15N/AN/AN/A
JM Value Fund 944,000 2.05 18.09984,0002026-01-26 01:09:17-4.07%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 13.5310.578.508.577.89
Diluted EPS (Rs.) 13.5310.578.508.577.89
Cash EPS (Rs.) 13.5910.628.568.617.92
Book Value[Excl.RevalReserv]/Share (Rs.) 89.7582.9877.1472.2765.88
Book Value[Incl.RevalReserv]/Share (Rs.) 89.7582.9877.1472.2765.88
Revenue From Operations / Share (Rs.) 51.5138.8835.2134.7436.14
PBDIT / Share (Rs.) 51.9239.0334.0134.4034.97
PBIT / Share (Rs.) 51.8738.9833.9534.3634.93
PBT / Share (Rs.) 18.1714.2011.4411.7211.13
Net Profit / Share (Rs.) 13.5310.578.508.577.88
NP After MI And SOA / Share (Rs.) 13.5310.578.508.577.88
PBDIT Margin (%) 100.80100.3896.5799.0296.76
PBIT Margin (%) 100.70100.2596.4198.9196.66
PBT Margin (%) 35.2636.5232.4733.7330.80
Net Profit Margin (%) 26.2727.1924.1324.6821.81
NP After MI And SOA Margin (%) 26.2727.1924.1324.6821.81
Return on Networth / Equity (%) 15.0712.7411.0111.8611.96
Return on Capital Employeed (%) 52.2912.9110.449.799.29
Return On Assets (%) 2.102.262.102.172.05
Long Term Debt / Equity (X) 0.002.543.123.764.62
Total Debt / Equity (X) 5.974.454.074.254.62
Asset Turnover Ratio (%) 0.090.080.080.080.09
Current Ratio (X) 1.182.825.069.0143.92
Quick Ratio (X) 1.182.825.069.0143.92
Dividend Payout Ratio (NP) (%) 19.5814.188.828.749.51
Dividend Payout Ratio (CP) (%) 19.5014.128.768.709.46
Earning Retention Ratio (%) 80.4285.8291.1891.2690.49
Cash Earning Retention Ratio (%) 80.5085.8891.2491.3090.54
Interest Coverage Ratio (X) 1.541.581.511.521.47
Interest Coverage Ratio (Post Tax) (X) 1.401.431.381.381.33
Enterprise Value (Cr.) 147150.11111104.1371512.4667405.3268338.90
EV / Net Operating Revenue (X) 14.2714.2710.149.699.45
EV / EBITDA (X) 14.1614.2210.509.799.76
MarketCap / Net Operating Revenue (X) 3.874.821.230.941.21
Retention Ratios (%) 80.4185.8191.1791.2590.48
Price / BV (X) 2.222.260.560.450.66
Price / Net Operating Revenue (X) 3.874.821.230.941.21
EarningsYield 0.060.050.190.260.17

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Housing & Urban Development Corporation Ltd (HUDCO) as of February 25, 2026 is: ₹158.42

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 February 25, 2026, Housing & Urban Development Corporation Ltd (HUDCO) is Overvalued by 16.62% compared to the current share price ₹190.00

Intrinsic Value of Housing & Urban Development Corporation Ltd (HUDCO) as of February 25, 2026 is: ₹174.51

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 February 25, 2026, Housing & Urban Development Corporation Ltd (HUDCO) is Overvalued by 8.15% compared to the current share price ₹190.00

Last 5 Year EPS CAGR: 10.16%

*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: 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Stock P/E: 13.7 (Industry average Stock P/E: 22.12)
      • 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: 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.
    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 is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 10311.29 Cr. and Equity Capital is Rs. 2001.90 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Term Lending InstitutionsHUDCO Bhawan, Core 7-A, New Delhi Delhi 110003Contact not found
Management
NamePosition Held
Mr. Sanjay KulshresthaChairman & Managing Director
Mr. Daljeet Singh KhatriDirector - Finance
Mr. M NagarajDirector
Mr. SanjeetPart Time Official Director
Mr. Solomon ArokiarajPart Time Official Director
Dr. Ravindra Kumar RayNon Official Independent Director
Mrs. Sabitha BojanNon Official Independent Director
Mr. Kantilal Chaturbhai PatelNon 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 25 February 2026) is ₹174.51 which is 8.15% lower the current market price of ₹190.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹38,052 Cr. market cap, FY2025-2026 high/low of ₹254/159, 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 38,052 Cr..

What is the current Stock Price of Housing & Urban Development Corporation Ltd (HUDCO) as on 25 February 2026?

The current stock price of Housing & Urban Development Corporation Ltd (HUDCO) as on 25 February 2026 is ₹190.

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 ₹254/159.

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 13.7.

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 2.18 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Housing & Urban Development Corporation Ltd (HUDCO). Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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