Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated: April 2, 2026, 3:03 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 540530 | NSE: HUDCO

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

Fair Value

₹140.64Overvalued by 16.29%vs CMP ₹168.00

P/E (12.1) × ROE (15.7%) × BV (₹90.10) × DY (2.71%)

₹131.91Overvalued by 21.48%vs CMP ₹168.00
MoS: -27.4% (Negative)Confidence: 48/100 (Moderate)Models: 1 Under, 2 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹154.9223%Fair (-7.8%)
Graham NumberEarnings₹167.8717%Fair (-0.1%)
Earnings PowerEarnings₹89.3314%Over (-46.8%)
DCFCash Flow₹232.2714%Under (+38.3%)
Net Asset ValueAssets₹90.077%Over (-46.4%)
EV/EBITDAEnterprise₹0.559%Over (-99.7%)
Earnings YieldEarnings₹139.007%Over (-17.3%)
ROCE CapitalReturns₹69.737%Over (-58.5%)
Consensus (8 models)₹131.91100%Overvalued
Key Drivers: Wide model spread (₹1–₹232) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 10.2%

*Investments are subject to market risks

Investment Snapshot

60
Housing & Urban Development Corporation Ltd (HUDCO) scores 60/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 9.6% AverageROE 15.7% GoodD/E 4.62 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money65/100 · Strong
FII holding stable No changeDII holding up 1.77% MF buyingPromoter holding at 75.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +4% YoY Positive
Industry Rank75/100 · Strong
P/E 12.1 vs industry 19.4 Cheaper than peersROCE 9.6% vs industry 9.5% AverageROE 15.7% vs industry 12.0% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:03 am

Market Cap 33,638 Cr.
Current Price 168
Intrinsic Value₹131.91
High / Low 254/159
Stock P/E12.1
Book Value 90.1
Dividend Yield2.71 %
ROCE9.62 %
ROE15.7 %
Face Value 10.0
PEG Ratio1.19

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 ⇩
Housing & Urban Development Corporation Ltd (HUDCO) 33,638 Cr. 168 254/15912.1 90.12.71 %9.62 %15.7 % 10.0
IFCI Ltd 14,040 Cr. 52.1 74.5/35.735.1 32.90.00 %8.08 %2.60 % 10.0
Tourism Finance Corporation of India Ltd 3,044 Cr. 65.8 80.5/32.625.0 27.00.91 %10.7 %8.51 % 2.00
Power Finance Corporation Ltd (PFC) 1,31,245 Cr. 398 444/3305.20 3853.97 %9.73 %21.0 % 10.0
Industry Average45,491.75 Cr170.9819.35133.751.90%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

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

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 -3,674-193-4,982-2,606-7,837-23,408-1,3492,150-812-853-10,283-31,624
CFO/OP -119%7%-155%-72%-199%-462%-13%37%-6%-6%-127%-298%

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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) and is it undervalued?

As of 09 April 2026, Housing & Urban Development Corporation Ltd (HUDCO)'s intrinsic value is ₹131.91, which is 21.48% lower than the current market price of ₹168.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (15.7 %), book value (₹90.1), dividend yield (2.71 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Housing & Urban Development Corporation Ltd (HUDCO)?

Housing & Urban Development Corporation Ltd (HUDCO) is trading at ₹168.00 as of 09 April 2026, with a FY2026-2027 high of ₹254 and low of ₹159. The stock is currently near its 52-week low. Market cap stands at ₹33,638 Cr..

How does Housing & Urban Development Corporation Ltd (HUDCO)'s P/E ratio compare to its industry?

Housing & Urban Development Corporation Ltd (HUDCO) has a P/E ratio of 12.1, which is below the industry average of 19.35. This is broadly in line with or below the industry average.

Is Housing & Urban Development Corporation Ltd (HUDCO) financially healthy?

Key indicators for Housing & Urban Development Corporation Ltd (HUDCO): ROCE of 9.62 % is on the lower side compared to the industry average of 9.53%; ROE of 15.7 % shows strong shareholder returns. Dividend yield is 2.71 %.

Is Housing & Urban Development Corporation Ltd (HUDCO) profitable and how is the profit trend?

Housing & Urban Development Corporation Ltd (HUDCO) reported a net profit of ₹2,709 Cr in Mar 2025 on revenue of ₹10,345 Cr. Compared to ₹1,716 Cr in Mar 2022, the net profit shows an improving trend.

Does Housing & Urban Development Corporation Ltd (HUDCO) pay dividends?

Housing & Urban Development Corporation Ltd (HUDCO) has a dividend yield of 2.71 % at the current price of ₹168.00. This is a relatively attractive yield for income-seeking investors.

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
Explore Industry-wise Stock Analysis Reports