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HUDCO

Housing & Urban Development Corporation Ltd

HUDCO NSE
₹153.06 +8.44 (+5.84%)
P/E
7.20
View as Markdown
MCP
Close 4 Nov 2026 ₹153.06 −74.46 −32.7% 1Y
Start ₹227.52

Key Fundamentals

SmallcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
6.45
EPS (TTM)
₹21.26
Book Value
₹102.57
Market Cap
—
P/E (TTM)
7.20
P/B
1.49
ROE
20.00%
Dividend Yield
0.86%
52W High
₹246.85
52W Low
₹141.81
Day Range
₹144.25 – ₹154.28
Volume
86,25,026
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Financial Institution

HUDCO peer comparison
Power Finance Corporation
₹322.504.09₹1,05,884 Cr0.741.23%20.70%—₹1,15,431 Cr₹33,642 Cr
IRFC
₹77.8413.80₹1,00,876 Cr1.681.52%12.80%—₹30,125 Cr₹7,371 Cr
REC
₹287.004.71₹75,534 Cr0.792.72%20.10%—₹59,202 Cr₹16,035 Cr
HUDCO (this company)
₹153.067.20₹29,482 Cr1.490.86%20.00%—₹13,930 Cr₹4,255 Cr
IREDA
₹106.0015.14₹29,202 Cr2.081.32%15.60%—₹8,897 Cr₹1,970 Cr
IFCI
₹59.4292.84₹15,778 Cr1.790.00%1.97%—₹1,988 Cr₹432 Cr
Tourism Finance Corporation of India
₹160.8948.32₹7,170 Cr5.660.37%9.75%—₹291 Cr₹154 Cr
Median 7 companies₹153.0613.80₹29,482 Cr1.681.23%15.60%—₹13,930 Cr₹4,255 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

49 Average

Data confidence 94/100

Category scores

Quality
55
Average
Returns, margins, earnings quality 22% weight
Valuation
66
Strong
Cheap vs sector & own history 24% weight
Growth
82
Strong
Sales & profit trajectory 9% weight
Financial Health
22
Poor
Solvency, leverage, coverage 9% weight
Momentum
8
Poor
Trend strength, vol-adjusted 12% weight
Ownership
38
Weak
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

3
  • Stock is providing a good dividend yield of 3.81%.
  • 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

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1054
OscillatorsNeutral252
Moving AveragesStrong Bearish802

Key readings

RSI (14)
45.80
Neutral
MACD (12,26,9)
−6.11
Bullish
SMA (50)
166.37
Bearish
SMA (200)
190.20
Bearish

As of

Analyst Rating

Based on 2 analysts
TIED50%

1 of 2 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
1
50%
HOLD
1
50%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+14.93%
5Y+12.59%
3Y+22.91%
1Y+27.11%
TTM+25.95%

Net profit

Net profit growth by window
10Y+17.81%
5Y+20.65%
3Y+33.36%
1Y+48.91%
TTM+52.95%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹3,536 Cr
Mar 2018₹4,228 Cr
Mar 2019₹5,584 Cr
Mar 2020₹7,567 Cr
Mar 2021₹7,267 Cr
Mar 2022₹6,986 Cr
Mar 2023₹7,082 Cr
Mar 2024₹7,831 Cr
Mar 2025₹10,345 Cr
Mar 2026₹13,150 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹842 Cr
Mar 2018₹1,010 Cr
Mar 2019₹1,180 Cr
Mar 2020₹1,708 Cr
Mar 2021₹1,578 Cr
Mar 2022₹1,716 Cr
Mar 2023₹1,701 Cr
Mar 2024₹2,117 Cr
Mar 2025₹2,709 Cr
Mar 2026₹4,034 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹19.00 −5.7% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 4 Nov 2026
AI opinion · based on fundamentals
Risk medium

As of 2026-11-04, HUDCO trades at ₹153.06 with a market cap of ₹29,482 Cr, a trailing P/E of 7.2x, and an ROE of 18.36%. The stock sits 38% below its 52-week high of ₹246.85 while TTM profit growth stands at 53%, presenting a mixed picture of strong earnings momentum against significant price correction.

Bull Case 8
  • TTM profit growth of 53% is exceptionally strong, indicating accelerating earnings momentum well above the 5-year CAGR of 20%
  • P/E of 7.2x on TTM EPS of ₹21.26 is notably low for a company delivering 33% compounded profit growth over 3 years, suggesting the stock may be pricing in significant headwinds
  • 10-year compounded sales growth of 15% and profit growth of 18% demonstrate a long track record of consistent business expansion
  • ROE of 18.36% as of 2026-11-04 is healthy for a housing finance institution, and the 3-year average ROE of 17% shows sustained capital efficiency
  • Dividend yield of 3.81% backed by a consistent payout ratio of 33.3% provides a tangible return to shareholders even during periods of stock price weakness
  • 5-year stock CAGR of 28% and 3-year stock CAGR of 20% reflect meaningful long-term wealth creation despite the recent correction
  • TTM revenue growth of 26% alongside 3-year compounded sales growth of 23% indicates the loan book is expanding at a healthy pace
  • Price-to-book ratio of 1.49x is modest for a financial services company generating an ROE above 18%, implying the stock trades close to its book value
Bear Case 7
  • The stock has fallen 38% from its 52-week high of ₹246.85 to ₹153.06, and the 1-year stock return of -32% signals sustained negative sentiment
  • Low interest coverage ratio raises concerns about HUDCO's ability to comfortably service its debt obligations, a critical risk for a lending institution
  • Potential capitalisation of interest costs may be flattering reported profits, meaning actual operating profitability could be lower than the 53% TTM growth suggests
  • ROCE of 7.54% is significantly lower than the ROE of 18.36%, indicating heavy reliance on leverage to generate equity returns
  • A seemingly low tax rate could mean current earnings are benefiting from temporary concessions or adjustments that may not persist, posing a risk to future net profit
  • As a government-backed housing finance entity, HUDCO's lending decisions can be influenced by policy priorities rather than purely commercial considerations, introducing asset quality risk
  • The wide gap between the 52-week low of ₹141.81 and the current price of ₹153.06 — just 8% above the low — suggests the stock has found limited buying support during the correction

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

AI News Digest

5d ago

TL;DR: HUDCO is showing strong operational momentum with a 37% jump in H1FY26 disbursements and a massive ₹1.05 lakh crore sanction book building a healthy forward pipeline. No visible headwinds emerged from the available news. The trend is clearly improving, and sustained execution on the large sanction pipeline will be the key monitorable going forward.

Positives 2
  • H1 disbursements surge 37% Sep 30

    HUDCO's H1FY26 loan disbursements rose 37% YoY to ₹35,371 crore from ₹25,838 crore, signaling strong execution momentum.

  • Loan sanctions cross ₹1 lakh crore Sep 30

    Loan sanctions stood at ₹1,04,592 crore in H1FY26, indicating a robust pipeline that should support future disbursement growth.

Quarterly Results

₹ Cr
HUDCO quarterly results, ₹ crore
Particulars 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 (₹)
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

₹ Cr
HUDCO profit and loss, annual, ₹ crore
Particulars 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 (₹)
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

₹ Cr
HUDCO balance sheet, annual, ₹ crore
Particulars 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

Cash Flow

₹ Cr
HUDCO cash flow, annual, ₹ crore
Particulars 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

Ratios

HUDCO financial ratios, annual
Particulars 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%

Insights

Beta

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

Log in to view HUDCO insights

50 extracted metrics across FY09–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 75.00%
  • Public 10.68%
  • DIIs 9.51%
  • FIIs 2.40%
  • Others 2.40%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about HUDCO

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.
Where is Housing & Urban Development Corporation Ltd (HUDCO) listed?
Housing & Urban Development Corporation Ltd trades as HUDCO on the NSE and under code 540530 on the BSE.
Which sector does Housing & Urban Development Corporation Ltd belong to?
Housing & Urban Development Corporation Ltd is classified under the Financial Services sector, in the Financial Institution industry.
What is the PE ratio of Housing & Urban Development Corporation Ltd?
Housing & Urban Development Corporation Ltd trades at a PE ratio of 7.20 as of 4 Nov 2026, on earnings per share of ₹21.26, against a book value of ₹102.57 per share.
What is the 52-week high and low of Housing & Urban Development Corporation Ltd?
Over the last 52 weeks Housing & Urban Development Corporation Ltd has traded between ₹141.81 and ₹246.85 as of 4 Nov 2026.
Does Housing & Urban Development Corporation Ltd pay dividends?
Housing & Urban Development Corporation Ltd has a dividend yield of 0.86%.
What is the Return on Equity (ROE) of Housing & Urban Development Corporation Ltd?
Housing & Urban Development Corporation Ltd reported a return on equity of 20.00%. Its debt-to-equity ratio is 6.45.

Company Information

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

Website hudco.org.in
CEO Mr. Sanjay Kulshrestha
Employees 619
Listed 19 May 2017
Face Value ₹10

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