Housing & Urban Development Corporation Ltd logo

Housing & Urban Development Corporation Ltd

HUDCO NSE

Key Fundamentals

SmallcapFinancial InstitutionFinancial Services
Market Cap
₹38,729 Cr
Volatility
Moderate
P/E Ratio
9.12
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

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40 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

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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

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 5d ago
AI opinion · based on fundamentals
Risk medium

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.

Bull Case 8
  • 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
Bear Case 8
  • 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

Anthropic anthropic claude-opus-4.6 3h ago
Positives 3
  • 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.

Neutral 4
  • 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 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 ₹38728.76 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 9.12. 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 0.65%. 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

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