Share Price and Basic Stock Data
Last Updated: November 4, 2025, 4:32 pm
| PEG Ratio | 1.64 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Housing & Urban Development Corporation Ltd (HUDCO) operates within the finance sector, primarily focusing on term lending institutions. The company’s reported revenue for the fiscal year ending March 2025 stood at ₹10,345 Cr, reflecting a significant growth trajectory from ₹7,082 Cr in the previous year. This upward trend is indicative of a robust demand for housing finance, supported by government initiatives aimed at urban development. Quarterly revenue figures showcased a consistent increase, with ₹2,065 Cr reported for March 2024, rising to ₹2,188 Cr by June 2024. The revenue growth aligns with HUDCO’s strategic focus on affordable housing and urban infrastructure projects, which are critical in India’s expanding economy. Moreover, revenue from operations per share rose to ₹51.51 in FY 2025, enhancing shareholder value and demonstrating effective operational management in a competitive landscape.
Profitability and Efficiency Metrics
HUDCO’s profitability metrics are noteworthy, with a net profit of ₹2,782 Cr for the fiscal year ending March 2025. This is an increase from ₹1,701 Cr recorded in March 2023, signifying an impressive year-on-year growth. The earnings per share (EPS) increased to ₹13.53, which is indicative of strong operational performance and effective cost management strategies. The reported return on equity (ROE) for FY 2025 was 15.7%, suggesting that HUDCO is effectively utilizing shareholders’ funds to generate profit, compared to a typical industry range of around 12-15%. Additionally, the interest coverage ratio (ICR) stood at 1.54x, reflecting a healthy ability to meet interest obligations. However, the operating profit margin (OPM) remains unavailable, which limits a comprehensive assessment of operational efficiency. Overall, HUDCO’s financial performance reflects strong profitability and efficiency metrics, positioning it favorably within the finance sector.
Balance Sheet Strength and Financial Ratios
The balance sheet of HUDCO demonstrates a solid financial foundation, with total assets reported at ₹128,496 Cr for FY 2025, a significant increase from ₹80,969 Cr in FY 2023. The company’s reserves stood at ₹15,966 Cr, which is crucial for maintaining liquidity and supporting future growth initiatives. Importantly, HUDCO reported no borrowings as of the latest quarter, which is a substantial improvement compared to ₹62,905 Cr in March 2023. This indicates a strategic shift towards reducing leverage and enhancing financial stability. The total debt to equity ratio was reported at 5.97, which is high compared to typical sector norms, suggesting potential risks related to high leverage. However, the return on capital employed (ROCE) of 9.62% reflects effective utilization of capital. Overall, HUDCO’s balance sheet indicates a strong asset base, though the high debt ratio warrants closer scrutiny.
Shareholding Pattern and Investor Confidence
As of March 2025, HUDCO’s shareholding pattern indicates a stable ownership structure, with promoters holding 75.00% of the equity. This ownership level suggests strong control and alignment of interests between management and shareholders. The presence of domestic institutional investors (DIIs) at 10.26% shows a healthy level of institutional confidence in the company’s prospects. Foreign institutional investors (FIIs) accounted for 1.96%, reflecting a cautious approach towards foreign investments in the company. Notably, the number of shareholders increased to 8,79,366, indicating growing retail interest in HUDCO’s stock. Despite a slight decline in promoter holdings from 81.81% in September 2022, the overall stability in shareholding is a positive sign for investor confidence. The company’s dividend payout ratio of 19.58% further enhances its attractiveness to investors seeking regular income.
Outlook, Risks, and Final Insight
The outlook for HUDCO appears promising, driven by increasing demand for affordable housing and urban infrastructure projects in India. Continued government support and initiatives in the housing sector can further bolster HUDCO’s growth trajectory. However, risks remain, particularly from the high total debt to equity ratio, which could expose the company to market volatility and interest rate fluctuations. Additionally, the absence of an operating profit margin figure raises concerns about operational efficiency. Should HUDCO manage to maintain its profitability and address its leverage concerns effectively, it stands to strengthen its market position considerably. Balancing growth with risk management will be pivotal in navigating the challenges ahead. Overall, HUDCO’s strategic focus on urban development and financial prudence positions it well for future growth, provided it addresses its financial leverage issues.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 3,232 Cr. | 69.7 | 75.9/24.4 | 29.7 | 26.3 | 0.86 % | 10.7 % | 8.51 % | 2.00 |
| Power Finance Corporation Ltd (PFC) | 1,30,783 Cr. | 396 | 524/357 | 5.38 | 357 | 3.99 % | 9.73 % | 21.0 % | 10.0 |
| IFCI Ltd | 15,147 Cr. | 56.2 | 74.5/35.7 | 47.1 | 32.3 | 0.00 % | 8.08 % | 2.60 % | 10.0 |
| Housing & Urban Development Corporation Ltd (HUDCO) | 46,624 Cr. | 233 | 264/159 | 16.7 | 89.8 | 1.75 % | 9.62 % | 15.7 % | 10.0 |
| Industry Average | 48,946.50 Cr | 188.73 | 24.72 | 126.35 | 1.65% | 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: October 15, 2025, 5:11 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 | 11,060 |
| 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 | 7,260 |
| Expenses | 192 | 477 | 319 | 468 | 526 | 652 | 544 | 277 | 111 | 279 | 134 | -46 | 16 |
| 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 | 3,784 |
| Financing Margin % | 36% | 33% | 32% | 31% | 33% | 33% | 29% | 31% | 34% | 32% | 35% | 35% | 34% |
| Other Income | 25 | 44 | 37 | 98 | 6 | 7 | 4 | 11 | 11 | 4 | 117 | 4 | 36 |
| 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 | 3,809 |
| 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 | 2,782 |
| 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 | 13.90 |
| 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: October 10, 2025, 2:12 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Fixed Assets | 68 | 75 | 73 | 72 | 71 | 71 | 65 | 82 | 93 | 90 | 88 | 88 |
| CWIP | 27 | 25 | 39 | 43 | 35 | 39 | 52 | 39 | 25 | 19 | 15 | 16 |
| Investments | 754 | 756 | 367 | 367 | 527 | 534 | 232 | 250 | 257 | 630 | 297 | 1,318 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Housing & Urban Development Corporation Ltd (HUDCO) based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 15,966.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,611.00 Cr. (Mar 2024) to 15,966.00 Cr., marking an increase of 1,355.00 Cr..
- For Other Liabilities, as of Mar 2025, 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 Mar 2025, the value is 128,496.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 93,422.00 Cr. (Mar 2024) to 128,496.00 Cr., marking an increase of 35,074.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 88.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 88.00 Cr..
- For CWIP, as of Mar 2025, the value is 16.00 Cr.. The value appears strong and on an upward trend. It has increased from 15.00 Cr. (Mar 2024) to 16.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 1,318.00 Cr.. The value appears strong and on an upward trend. It has increased from 297.00 Cr. (Mar 2024) to 1,318.00 Cr., marking an increase of 1,021.00 Cr..
- For Other Assets, as of Mar 2025, the value is 127,074.00 Cr.. The value appears strong and on an upward trend. It has increased from 93,022.00 Cr. (Mar 2024) to 127,074.00 Cr., marking an increase of 34,052.00 Cr..
- For Total Assets, as of Mar 2025, the value is 128,496.00 Cr.. The value appears strong and on an upward trend. It has increased from 93,422.00 Cr. (Mar 2024) to 128,496.00 Cr., marking an increase of 35,074.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| HDFC Balanced Advantage Fund - Regular Plan | 3,300,000 | 0.08 | 79.79 | 3,300,000 | 2025-04-22 17:25:32 | 0% |
| HSBC Multi Cap Fund | 2,179,200 | 1.24 | 52.69 | 2,179,200 | 2025-04-22 17:25:32 | 0% |
| JM Flexicap Fund | 2,000,000 | 1.07 | 48.36 | 2,000,000 | 2025-04-22 17:25:32 | 0% |
| JM Midcap Fund | 998,976 | 1.38 | 24.16 | 998,976 | 2025-04-22 17:25:32 | 0% |
| JM Value Fund | 640,000 | 1.43 | 15.48 | 640,000 | 2025-04-22 17:25:32 | 0% |
| Bank of India Small Cap Fund | 500,358 | 0.8 | 12.1 | 500,358 | 2025-04-22 17:25:32 | 0% |
| Edelweiss Aggressive Hybrid Fund | 464,142 | 0.51 | 11.22 | 464,142 | 2025-04-22 17:25:32 | 0% |
| Edelweiss Aggressive Hybrid Fund - Plan B | 464,142 | 0.51 | 11.22 | 464,142 | 2025-04-22 17:25:32 | 0% |
| LIC MF Infrastructure Fund | 426,994 | 1.38 | 10.32 | 426,994 | 2025-04-22 17:25:32 | 0% |
| Kotak Nifty Alpha 50 ETF | 399,439 | 2.84 | 9.66 | 399,439 | 2025-04-22 17:25:32 | 0% |
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
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):
- 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: 16.7 (Industry average Stock P/E: 24.72)
- 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 04 November 2025) is 191.65 which is 17.75% lower the current market price of 233.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 46,624 Cr. market cap, FY2025-2026 high/low of 264/159, reserves of ₹15,966 Cr, and liabilities of 128,496 Cr.
What is the Market Cap of Housing & Urban Development Corporation Ltd (HUDCO)?
The Market Cap of Housing & Urban Development Corporation Ltd (HUDCO) is 46,624 Cr..
What is the current Stock Price of Housing & Urban Development Corporation Ltd (HUDCO) as on 04 November 2025?
The current stock price of Housing & Urban Development Corporation Ltd (HUDCO) as on 04 November 2025 is 233.
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 16.7.
What is the Book Value of Housing & Urban Development Corporation Ltd (HUDCO)?
The Book Value of Housing & Urban Development Corporation Ltd (HUDCO) is 89.8.
What is the Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO)?
The Dividend Yield of Housing & Urban Development Corporation Ltd (HUDCO) is 1.75 %.
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.