Housing & Urban Development Corporation Ltd
Housing & Urban Development Corporation Ltd
Financial Services F&OKey Fundamentals
SmallcapFinancial InstitutionFinancial ServicesInsights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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40 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
3- Stock is providing a good dividend yield of 3.14%.
- 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
AI Analysis — Bull vs Bear
HUDCO is a government-backed housing finance institution with a market cap of ₹40,338 Cr trading at a PE of 9.5x. The company has delivered 53% TTM profit growth and 26% TTM sales growth, though concerns around interest coverage and potential interest capitalization persist.
- Strong TTM profit growth of 53% indicates accelerating earnings momentum
- Attractive valuation at PE of 9.5x, significantly below many financial services peers
- Compounded profit CAGR of 20% over 5 years demonstrates consistent earnings expansion
- Healthy dividend yield of 3.01% with consistent payout ratio of 33.3%
- ROE improved to 20% in the last year from a 5-year average of 15%, showing improving capital efficiency
- Compounded sales growth of 26% TTM suggests strong loan book expansion
- 10-year compounded profit CAGR of 18% reflects long-term structural growth in housing and urban infrastructure lending
- Price-to-book ratio of 1.97x is reasonable for a company generating 20% ROE
- Low interest coverage ratio raises concerns about ability to service debt obligations from operating profits
- Stock has delivered negative 1-year return of -5%, indicating recent market sentiment weakness
- Potential capitalization of interest costs may overstate reported profitability
- Low effective tax rate raises questions about sustainability of reported earnings if tax benefits expire
- Dividend yield of 0.62% per screener data versus 3.01% cited in pros suggests possible inconsistency or recent price correction impact
- Debt-to-equity ratio not disclosed, limiting visibility into leverage for a lending institution
- As a government entity, HUDCO may face directed lending mandates that could impact asset quality over time
- 3-year stock CAGR of 43% followed by -5% in last year suggests the stock may have run ahead of fundamentals during the rally
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Q1FY27 profit up 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 significantly Jul 28
HUDCO raised its loan book guidance to ₹2 lakh crore from ₹1.5 lakh crore, signaling intent to expand lending portfolio by ₹50,000 crore.
- Green assets growth in BRSR Jul 30
FY26 BRSR report highlights ₹21,238 crore in green assets and ₹1,64,757 crore in loan sanctions, with reasonable assurance from auditors Mehta & Mehta.
- Investor conference on Aug 12 Aug 6
HUDCO will participate in Emkay Confluence 2026 in Mumbai on August 12 for one-to-one and group investor discussions.
- 56th AGM set for Aug 24 Jul 28
AGM scheduled for Aug 24 via video conference. Record date for dividend is Aug 17, with e-voting from Aug 20-23.
- Q1FY27 earnings call released Jul 28
Audio recording of Q1FY27 earnings call held on July 28 has been released in compliance with SEBI regulations.
- Q1FY27 call scheduled Jul 28 Jul 21
HUDCO announced its Q1FY27 unaudited results discussion for July 28 at 11:00 AM IST with key management.
TL;DR: HUDCO delivered strong Q1FY27 results with 35% profit growth and aggressively raised its loan book target by 33% to ₹2 lakh crore. The company is also expanding its green asset portfolio. No visible headwinds emerged in this period. The trend is clearly improving with robust growth ambitions and healthy fundamentals heading into FY27.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 10% | 9% | 11% | 11% | 15% | 12% | 12% | 11% | 13% | 16% | 20% |
Documents
Frequently Asked Questions about Housing & Urban Development Corporation Ltd
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Company Information
Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]