Housing & Urban Development Corporation Ltd logo

Housing & Urban Development Corporation Ltd

HUDCO NSE

Key Fundamentals

SmallcapFinancial InstitutionFinancial Services
Market Cap
₹37,526 Cr
Volatility
Moderate
P/E Ratio
8.79
EBITDA
₹12,165 Cr
Return on Equity
18.36%
Debt to Equity
6.23
Book Value
₹102.57
EPS
₹11.13
52W High
₹246.85
52W Low
₹159

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Housing & Urban Development Corporation Ltd insights

40 extracted metrics + investor summaries across FY15–FY26.

Log in — free

Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

3
  • Stock is providing a good dividend yield of 3.25%.
  • Company has delivered good profit growth of 20.5% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 33.3%

Weaknesses

3
  • Company has low interest coverage ratio.
  • Tax rate seems low
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
28.78% ↗
Net Income Growth
48.92% ↗
Cash Flow Change
-7.93% ↘
ROE
21.75% ↗
ROCE
-11.29% ↘
EBITDA Margin (Avg.)
-9.13% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
AI opinion · based on fundamentals
Risk medium

HUDCO is a government-backed housing finance NBFC trading at a PE of 8.8x with a market cap of ₹37,602 Cr. The company has delivered 53% TTM profit growth and 26% TTM sales growth, though its stock has declined 12% over the past year after a strong multi-year rally.

Bull Case 8
  • Strong profit growth with 53% TTM compounded profit growth and 33% CAGR over 3 years
  • Attractive valuation at PE of 8.8x, well below typical financial services peers
  • Healthy dividend yield of 3.25% with consistent 33.3% payout ratio
  • Revenue momentum with 26% TTM sales growth and 23% 3-year sales CAGR
  • Improving return on equity at 20% last year versus 15% 5-year average and 14% 10-year average
  • Long-term wealth creation with stock CAGR of 37% over 3 years and 36% over 5 years
  • Price-to-book of 1.81x is reasonable for a company generating 20% ROE
  • Government backing as a PSU provides implicit sovereign credit support for its borrowing program
Bear Case 8
  • Low interest coverage ratio indicating thin spread between borrowing costs and lending rates
  • Stock has declined 12% over the past 1 year, signaling potential valuation reset after rapid run-up
  • Company might be capitalizing interest costs, which could overstate reported profitability
  • Low tax rate raises questions about sustainability of reported earnings growth
  • Dividend yield at current market price is only 0.67% per screener data despite the stated 3.25%, suggesting price volatility distortion
  • As a wholesale lending NBFC, HUDCO is exposed to concentration risk in housing and urban infrastructure sectors
  • 10-year compounded profit CAGR of 18% is notably lower than recent 53% TTM growth, suggesting current growth may not be sustainable
  • Government ownership can lead to directed lending and sub-optimal capital allocation decisions

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 15h ago
Positives 4
  • Q1FY27 profit surges 35% YoY Jul 27

    HUDCO reported net profit of ₹851 crore for Q1FY27, a 35% YoY increase driven by higher revenue from operations.

  • Loan book guidance raised 33% Jul 28

    HUDCO raised its loan book guidance to ₹2 lakh crore from ₹1.5 lakh crore, signaling aggressive expansion in housing and urban development financing.

  • ₹70,000 crore NCD raise approved Aug 24

    Shareholders approved a massive ₹70,000 crore debt issuance at the 56th AGM, along with a 15% final dividend for FY26.

  • Green assets reach ₹21,238 crore Jul 30

    HUDCO's FY26 BRSR report highlights ₹21,238 crore in green assets and ₹1,64,757 crore in total loan sanctions, with reasonable assurance from auditors.

Neutral 3
  • Investor meet at Emkay Confluence Aug 6

    HUDCO scheduled one-to-one and group investor discussions at Emkay Confluence 2026 in Mumbai on August 12.

  • 56th AGM and e-voting dates set Jul 28

    AGM scheduled for Aug 24 via video conference with remote e-voting from Aug 20-23 and dividend record date of Aug 17.

  • Q1FY27 earnings call audio released Jul 28

    Audio recording of the Q1FY27 earnings conference call released in compliance with SEBI regulations.

TL;DR: HUDCO is firing on all cylinders with 35% profit growth, an upgraded loan book target of ₹2 lakh crore, and shareholder approval for ₹70,000 crore in fresh debt funding. Green asset growth adds an ESG tailwind. No visible headwinds in recent news flow. The trend is clearly improving with strong growth momentum heading into FY27.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,843
1,865
2,013
2,065
2,188
2,518
2,760
2,845
2,937
3,219
3,431
3,563
3,717
Expenses
60
55
12
8
47
-138
73
-28
109
147
320
587
109
Financing Profit
592
593
688
817
678
994
924
1,014
852
926
717
563
1,048
Fin. Margin %
32%
32%
34%
40%
31%
39%
33%
36%
29%
29%
21%
16%
28%
Other Income
9
16
10
129
9
8
10
10
8
32
74
62
20
Interest
1,191
1,217
1,313
1,240
1,464
1,662
1,762
1,859
1,976
2,147
2,394
2,413
2,561
Depreciation
2
2
2
2
2
3
3
4
3
3
3
4
2
PBT
598
606
696
943
685
1,000
932
1,020
857
955
788
621
1,066
Tax %
25%
26%
25%
26%
19%
31%
21%
29%
26%
26%
10%
-219%
20%
Net Profit
446
452
519
700
558
689
735
728
630
710
713
1,981
851
EPS in Rs
2.23
2.26
2.59
3.5
2.79
3.44
3.67
3.64
3.15
3.55
3.56
9.9
4.25
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
3,383
3,270
3,536
4,228
5,584
7,567
7,267
6,986
7,082
7,831
10,345
13,150
13,930
Expenses
477
319
468
526
652
544
277
111
279
134
-46
1,162
1,162
Financing Profit
1,131
1,044
1,082
1,408
1,861
2,176
2,225
2,342
2,296
2,736
3,644
3,057
3,253
Fin. Margin %
33%
32%
31%
33%
33%
29%
31%
34%
32%
35%
35%
23%
23%
Other Income
44
37
98
6
7
4
11
11
4
117
4
177
189
Interest
1,775
1,908
1,986
2,295
3,071
4,848
4,765
4,533
4,507
4,961
6,747
8,931
9,515
Depreciation
5
5
5
5
5
6
7
8
11
10
11
13
12
PBT
1,170
1,076
1,175
1,408
1,863
2,174
2,229
2,346
2,289
2,843
3,637
3,221
3,430
Tax %
34%
27%
28%
28%
37%
21%
29%
27%
26%
26%
26%
-25%
—
Net Profit
768
783
842
1,010
1,180
1,708
1,578
1,716
1,701
2,117
2,709
4,034
4,255
EPS in Rs
384
3.91
4.21
5.04
5.89
8.53
7.89
8.57
8.5
10.57
13.53
20.15
21.26
Div. Payout %
13%
13%
13%
11%
14%
36%
28%
41%
45%
39%
31%
30%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
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
5,779
6,444
7,166
7,940
8,953
10,340
11,186
12,465
13,442
14,611
15,966
19,974
Borrowing
18,315
25,449
28,196
36,277
59,848
61,437
60,978
61,503
62,905
73,996
1,07,297
1,41,677
Other Liabilities
7,018
1,999
1,975
2,695
2,026
2,347
2,792
2,924
2,621
2,814
3,231
3,186
Total Liabilities
33,114
35,894
39,339
48,914
72,828
76,126
76,958
78,894
80,969
93,422
1,28,496
1,66,838
Fixed Assets
75
73
72
71
71
65
82
93
90
88
88
88
CWIP
25
39
43
35
39
52
39
25
19
15
16
23
Investments
756
367
367
527
534
232
250
257
630
297
1,318
2,227
Other Assets
32,259
35,415
38,857
48,281
72,185
75,777
76,588
78,518
80,230
93,022
1,27,074
1,64,500
Total Assets
33,114
35,894
39,339
48,914
72,828
76,126
76,958
78,894
80,969
93,422
1,28,496
1,66,838
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-182
-4,965
-2,598
-7,830
-23,400
-1,336
2,161
-806
-851
-10,287
-31,421
-33,912
Investing
-13
372
-5
-4
18
83
-14
-1
-352
435
-1,041
-884
Financing
204
4,659
2,509
7,858
23,422
1,365
-1,083
81
691
10,174
32,218
34,793
Net Cash Flow
9
66
-93
24
39
112
1,063
-726
-512
322
-244
-3
Free Cash Flow
-193
-4,982
-2,606
-7,837
-23,408
-1,349
2,150
-812
-853
-10,283
-31,442
-33,906
CFO/OP
7
-155
-72
-199
-462
-13
37
-6
-6
-127
-296
-278
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
10%
10%
9%
11%
11%
15%
12%
12%
11%
13%
16%
20%

Shareholding Pattern

As of Jun 2026
Promoters 75.00%
Public 10.30%
DIIs 10.10%
FIIs 2.40%
Others 2.19%
Total 99.99%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
89.81%
89.81%
81.81%
81.81%
81.81%
81.81%
81.81%
81.81%
81.81%
81.81%
81.81%
75.17%
75.00%
75.00%
75.00%
75.00%
75.00%
75.00%
75.00%
75.00%
75.00%
75.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1.20%
1.91%
2.70%
2.32%
2.08%
2.46%
1.96%
1.94%
1.97%
2.22%
2.40%
DIIs
2.29%
2.15%
8.66%
8.27%
7.96%
7.81%
7.61%
7.31%
7.30%
7.17%
7.15%
11.80%
11.39%
11.65%
9.05%
9.75%
9.69%
10.26%
10.92%
11.46%
11.03%
10.10%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
6.67%
6.65%
8.10%
8.52%
8.71%
8.90%
9.02%
9.13%
9.15%
9.20%
8.42%
9.24%
9.79%
9.11%
12.21%
11.73%
11.49%
11.33%
10.80%
10.30%
10.43%
10.30%
Others
1.24%
1.39%
1.43%
1.41%
1.53%
1.48%
1.56%
1.75%
1.74%
1.82%
2.62%
2.59%
1.91%
1.54%
1.43%
1.44%
1.36%
1.44%
1.34%
1.26%
1.32%
2.19%
No. of Shareholders
0
2,81,306
2,88,302
3,12,228
3,17,007
3,27,104
3,27,091
3,28,228
3,26,427
3,39,744
3,37,806
3,89,764
5,52,637
6,39,411
9,25,775
9,18,661
9,32,389
8,79,366
8,43,084
8,02,766
7,90,412
7,57,055

Documents

1
Concall - Nov 2017 Nov 2017
2
Concall - Feb 2018 Feb 2018
3
Concall - May 2018 May 2018
4
Concall - Sep 2018 Sep 2018
5
Concall - Nov 2018 Nov 2018

Frequently Asked Questions about Housing & Urban Development Corporation Ltd

What does Housing & Urban Development Corporation Ltd do?
Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]
Where is Housing & Urban Development Corporation Ltd (HUDCO) listed?
Housing & Urban Development Corporation Ltd is listed on the Indian stock exchanges. It is listed on NSE: HUDCO and BSE: 540530. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Housing & Urban Development Corporation Ltd belong to?
Housing & Urban Development Corporation Ltd operates in the Financial Services sector within the Financial Institution industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Housing & Urban Development Corporation Ltd?
Housing & Urban Development Corporation Ltd has a market capitalisation of approximately ₹37525.62 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Housing & Urban Development Corporation Ltd?
The Price-to-Earnings (PE) ratio of Housing & Urban Development Corporation Ltd is 8.79. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Housing & Urban Development Corporation Ltd?
Over the past 52 weeks, Housing & Urban Development Corporation Ltd has traded between a low of ₹159 and a high of ₹246.85. This range helps investors understand the stock's price volatility and recent trading levels.
Does Housing & Urban Development Corporation Ltd pay dividends?
Yes, Housing & Urban Development Corporation Ltd has a dividend yield of 0.67%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Housing & Urban Development Corporation Ltd?
Housing & Urban Development Corporation Ltd has a Return on Equity (ROE) of 18.36%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Housing & Urban Development Corporation Ltd on Tapetide?
On Tapetide, you can view Housing & Urban Development Corporation Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]

Website hudco.org.in
CEO Mr. Sanjay Kulshrestha
Employees 619
Listed 2017-05-19
Face Value ₹ 10
Issued Size 2,00,19,00,000

Explore More

More in Financial Services → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List