Share Price and Basic Stock Data
Last Updated: January 15, 2026, 2:56 am
| PEG Ratio | 1.50 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Housing & Urban Development Corporation Ltd (HUDCO) operates within the finance sector, specifically focusing on term lending institutions. As of September 2023, HUDCO’s share price stood at ₹217, with a market capitalization of ₹43,441 Cr. The company has demonstrated steady revenue growth, reporting ₹1,739 Cr in September 2022 and reaching ₹1,865 Cr by September 2023. This upward trend is expected to continue, with revenues projected to rise to ₹2,845 Cr by March 2025 and ₹3,219 Cr by September 2025. In the fiscal year ending March 2024, HUDCO’s total revenue is anticipated to reach ₹7,831 Cr, reflecting a recovery from the previous year’s ₹7,082 Cr. This consistent revenue growth indicates a robust demand for HUDCO’s lending products, particularly in the housing and urban development sectors. Furthermore, the company’s financing profit margin has remained relatively strong, with a financing margin of 32% in the latest quarter, highlighting its operational efficiency and market positioning.
Profitability and Efficiency Metrics
In terms of profitability, HUDCO reported a net profit of ₹2,803 Cr for the trailing twelve months (TTM), marking a significant increase from ₹1,701 Cr in the previous fiscal year. The company’s Earnings Per Share (EPS) stood at ₹13.53 for March 2025, up from ₹8.50 in March 2023, indicating improved shareholder returns. The Return on Equity (ROE) was reported at 15.7%, while the Return on Capital Employed (ROCE) stood at 9.62%, showcasing effective capital utilization. Additionally, the Interest Coverage Ratio (ICR) was recorded at 1.54x, suggesting that HUDCO can comfortably meet its interest obligations. The financing margin percentage has fluctuated, with a peak of 46% in March 2023, emphasizing strong profitability during that period. However, the company also reported negative expenses in some quarters, which may reflect accounting adjustments or one-time costs. Overall, these metrics suggest that HUDCO maintains a solid profitability profile, but continuous monitoring of expense management is essential.
Balance Sheet Strength and Financial Ratios
HUDCO’s balance sheet exhibits considerable strength, with total assets amounting to ₹128,496 Cr as of March 2025, up from ₹80,969 Cr in March 2023. The company’s reserves have also grown significantly, reaching ₹16,033 Cr by September 2025, indicating a solid equity base. However, HUDCO’s total borrowings have escalated to ₹107,297 Cr, presenting a high Total Debt to Equity ratio of 5.97x for March 2025, which is considerably above typical sector benchmarks. This high leverage may pose risks, particularly in a rising interest rate environment. The Book Value per Share stood at ₹89.75, reflecting the company’s substantial equity backing. Furthermore, HUDCO’s current ratio of 1.18x suggests adequate short-term liquidity, although it has declined from previous years, indicating a potential need for careful cash flow management. The overall financial ratios point towards a company that is growing but needs to manage its debt levels prudently.
Shareholding Pattern and Investor Confidence
As of September 2025, HUDCO’s shareholding pattern reveals a stable ownership structure, with promoters holding a significant 75% stake. This level of promoter commitment is generally perceived as a positive sign by investors. Foreign Institutional Investors (FIIs) have increased their stake to 1.94%, while Domestic Institutional Investors (DIIs) hold 10.92% of the company. The public shareholding stands at 12.13%, reflecting a diversified ownership base. Notably, the number of shareholders has increased significantly, growing from 3,26,427 in December 2022 to 8,43,084 by September 2025, indicating rising investor interest. However, the gradual decline in promoter holding from 81.81% in December 2022 to 75% in March 2025 may raise some concerns regarding future dilution. Overall, the current shareholding pattern suggests a well-supported company with room for further institutional investment, but it also highlights the need for careful communication with investors regarding any changes in promoter stakes.
Outlook, Risks, and Final Insight
The outlook for HUDCO appears cautiously optimistic, driven by a robust demand for housing finance and urban development projects. However, the company faces several risks, including high leverage and potential fluctuations in interest rates that could impact profitability. Additionally, with total borrowings increasing significantly, HUDCO may encounter challenges in managing its debt load if economic conditions shift unexpectedly. Conversely, the strong growth in revenue and profitability metrics positions HUDCO favorably within the sector. The company’s ability to maintain its financing margins and manage expenses will be crucial in sustaining growth. In summary, while HUDCO’s financial fundamentals are strong, vigilance regarding debt levels and economic conditions will be essential for navigating future challenges. The company has positioned itself well to leverage growth opportunities, provided it continues to adhere to prudent financial management practices.
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 | 3,177 Cr. | 68.6 | 75.9/24.4 | 28.2 | 27.0 | 0.87 % | 10.7 % | 8.51 % | 2.00 |
| Power Finance Corporation Ltd (PFC) | 1,22,714 Cr. | 372 | 444/330 | 4.96 | 385 | 4.25 % | 9.73 % | 21.0 % | 10.0 |
| IFCI Ltd | 15,115 Cr. | 56.1 | 74.5/35.7 | 39.7 | 32.9 | 0.00 % | 8.08 % | 2.60 % | 10.0 |
| Housing & Urban Development Corporation Ltd (HUDCO) | 43,369 Cr. | 217 | 254/159 | 15.5 | 90.1 | 1.92 % | 9.62 % | 15.7 % | 10.0 |
| Industry Average | 46,093.75 Cr | 178.43 | 22.09 | 133.75 | 1.76% | 9.53% | 11.95% | 8.00 |
All Competitor Stocks of Housing & Urban Development Corporation Ltd (HUDCO)
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,739 | 1,710 | 1,852 | 1,843 | 1,865 | 2,013 | 2,065 | 2,188 | 2,518 | 2,760 | 2,845 | 2,937 | 3,219 |
| Interest | 1,109 | 1,132 | 1,150 | 1,191 | 1,217 | 1,313 | 1,240 | 1,464 | 1,662 | 1,762 | 1,859 | 1,976 | 2,147 |
| Expenses | 103 | 245 | -155 | 60 | 55 | 12 | 8 | 47 | -138 | 73 | -28 | 109 | 147 |
| Financing Profit | 527 | 333 | 857 | 592 | 593 | 688 | 817 | 678 | 994 | 924 | 1,014 | 852 | 926 |
| Financing Margin % | 30% | 19% | 46% | 32% | 32% | 34% | 40% | 31% | 39% | 33% | 36% | 29% | 29% |
| Other Income | 8 | 10 | 10 | 9 | 16 | 10 | 129 | 9 | 8 | 10 | 10 | 8 | 32 |
| Depreciation | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 3 | 3 |
| Profit before tax | 532 | 340 | 864 | 598 | 606 | 696 | 943 | 685 | 1,000 | 932 | 1,020 | 857 | 955 |
| Tax % | 26% | 25% | 26% | 25% | 26% | 25% | 26% | 19% | 31% | 21% | 29% | 26% | 26% |
| Net Profit | 396 | 254 | 639 | 446 | 452 | 519 | 700 | 558 | 689 | 735 | 728 | 630 | 710 |
| EPS in Rs | 1.98 | 1.27 | 3.19 | 2.23 | 2.26 | 2.59 | 3.50 | 2.79 | 3.44 | 3.67 | 3.64 | 3.15 | 3.55 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 1, 2026, 10:16 am
Below is a detailed analysis of the quarterly 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 Interest, as of Sep 2025, the value is 2,147.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,976.00 Cr. (Jun 2025) to 2,147.00 Cr., marking an increase of 171.00 Cr..
- For Expenses, as of Sep 2025, the value is 147.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 109.00 Cr. (Jun 2025) to 147.00 Cr., marking an increase of 38.00 Cr..
- For Other Income, as of Sep 2025, the value is 32.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Jun 2025) to 32.00 Cr., marking an increase of 24.00 Cr..
- For Depreciation, as of Sep 2025, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 3.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 955.00 Cr.. The value appears strong and on an upward trend. It has increased from 857.00 Cr. (Jun 2025) to 955.00 Cr., marking an increase of 98.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
- For Net Profit, as of Sep 2025, the value is 710.00 Cr.. The value appears strong and on an upward trend. It has increased from 630.00 Cr. (Jun 2025) to 710.00 Cr., marking an increase of 80.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 3.55. The value appears strong and on an upward trend. It has increased from 3.15 (Jun 2025) to 3.55, marking an increase of 0.40.
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: 15.5 (Industry average Stock P/E: 22.09)
- 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 | Contact not found |
| 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 15 January 2026) is ₹178.77 which is 17.62% lower the current market price of ₹217.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹43,369 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 43,369 Cr..
What is the current Stock Price of Housing & Urban Development Corporation Ltd (HUDCO) as on 15 January 2026?
The current stock price of Housing & Urban Development Corporation Ltd (HUDCO) as on 15 January 2026 is ₹217.
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 15.5.
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.