Housing & Urban Development Corporation Ltd
₹ 162
-3.03%
01 Oct
- close price
About
Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]
Key Points
- Market Cap ₹ 32,339 Cr.
- Current Price ₹ 162
- High / Low ₹ 247 / 159
- Stock P/E 7.60
- Book Value ₹ 110
- Dividend Yield 3.75 %
- ROCE 8.39 %
- ROE 20.0 %
- Face Value ₹ 10.0
Pros
- Stock is providing a good dividend yield of 3.75%.
- 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%
Cons
- Company has low interest coverage ratio.
- Tax rate seems low
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Loading peers table ...
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,383 | 3,270 | 3,535 | 4,227 | 5,584 | 7,567 | 7,267 | 6,986 | 7,082 | 7,829 | 10,345 | 13,294 | 13,930 | |
| Interest | 1,775 | 1,907 | 1,986 | 2,295 | 3,071 | 4,848 | 4,765 | 4,533 | 4,507 | 4,961 | 6,747 | 8,931 | 9,515 |
| 477 | 318 | 468 | 525 | 652 | 544 | 277 | 111 | 278 | 134 | -46 | 1,162 | 1,162 | |
| Financing Profit | 1,131 | 1,045 | 1,081 | 1,407 | 1,861 | 2,176 | 2,225 | 2,343 | 2,297 | 2,734 | 3,644 | 3,201 | 3,253 |
| Financing Margin % | 33% | 32% | 31% | 33% | 33% | 29% | 31% | 34% | 32% | 35% | 35% | 24% | 23% |
| 44 | 37 | 99 | 7 | 7 | 4 | 11 | 11 | 4 | 119 | 4 | 33 | 189 | |
| Depreciation | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 8 | 11 | 10 | 11 | 13 | 12 |
| Profit before tax | 1,170 | 1,077 | 1,175 | 1,409 | 1,863 | 2,175 | 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% | |
| 768 | 784 | 842 | 1,010 | 1,180 | 1,708 | 1,579 | 1,717 | 1,702 | 2,117 | 2,709 | 4,034 | 4,255 | |
| EPS in Rs | 383.80 | 3.92 | 4.21 | 5.05 | 5.90 | 8.53 | 7.89 | 8.57 | 8.50 | 10.57 | 13.53 | 20.15 | 21.26 |
| Dividend Payout % | 13% | 13% | 13% | 11% | 14% | 36% | 28% | 41% | 45% | 39% | 31% | 30% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 13% |
| 3 Years: | 23% |
| TTM: | 26% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 20% |
| 3 Years: | 33% |
| TTM: | 53% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 21% |
| 1 Year: | -31% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 15% |
| 3 Years: | 17% |
| Last Year: | 20% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 7,165 | 7,941 | 8,954 | 10,342 | 11,187 | 12,466 | 13,443 | 14,612 | 15,968 | 19,975 |
| Borrowing | 20,652 | 25,435 | 28,182 | 36,277 | 59,848 | 61,437 | 60,978 | 61,503 | 62,905 | 73,996 | 107,297 | 141,677 |
| 4,681 | 1,997 | 1,972 | 2,695 | 2,026 | 2,347 | 2,792 | 2,924 | 3,317 | 2,814 | 3,231 | 3,186 | |
| Total Liabilities | 33,114 | 35,878 | 39,322 | 48,915 | 72,829 | 76,127 | 76,959 | 78,895 | 81,667 | 93,424 | 128,497 | 166,840 |
| 75 | 73 | 72 | 71 | 71 | 65 | 82 | 93 | 90 | 88 | 88 | 88 | |
| CWIP | 25 | 28 | 32 | 35 | 39 | 52 | 39 | 25 | 19 | 15 | 16 | 23 |
| Investments | 756 | 369 | 369 | 528 | 536 | 234 | 251 | 259 | 631 | 299 | 1,320 | 2,229 |
| 32,259 | 35,409 | 38,850 | 48,281 | 72,185 | 75,777 | 76,588 | 78,518 | 80,926 | 93,022 | 127,074 | 164,500 | |
| Total Assets | 33,114 | 35,878 | 39,322 | 48,915 | 72,829 | 76,127 | 76,959 | 78,895 | 81,667 | 93,424 | 128,497 | 166,840 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -182 | -4,968 | -2,598 | -7,830 | -23,400 | -1,336 | 2,161 | -806 | -850 | -10,287 | -31,421 | -33,912 | |
| -13 | 381 | -4 | -4 | 18 | 83 | -14 | -1 | -353 | 435 | -1,041 | -884 | |
| 204 | 4,646 | 2,509 | 7,858 | 23,422 | 1,365 | -1,083 | 81 | 691 | 10,174 | 32,218 | 34,793 | |
| Net Cash Flow | 9 | 60 | -93 | 24 | 39 | 112 | 1,063 | -726 | -512 | 322 | -244 | -3 |
| Free Cash Flow | -193 | -4,974 | -2,606 | -7,837 | -23,408 | -1,349 | 2,150 | -812 | -853 | -10,283 | -31,442 | -33,906 |
| CFO/OP | -19% | -155% | -72% | -200% | -462% | -13% | 37% | -6% | -6% | -127% | -296% | -274% |
Ratios
Standalone / View Consolidated
| 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% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost of Funds (Average) % |
|
||||||||||
| Government Sector % of Loan Book % |
|||||||||||
| Gross NPA % % |
|||||||||||
| Loan Book Outstanding (AUM) ₹ Crore |
|||||||||||
| Loan Disbursements ₹ Crore |
|||||||||||
| Loan Sanctions ₹ Crore |
|||||||||||
| Net NPA % % |
|||||||||||
| Urban Infrastructure % of Loan Book % |
|||||||||||
Requires Premium
Requires Premium
Extracted by Screener AI
Documents
Announcements
-
Business Performance For The Half Year Ended 30Th September, 2026
- HUDCO reported Rs. 1,04,592 crore provisional loan sanctions and Rs. 35,371 crore disbursements for H1 FY2027.
-
Intimation Regarding Extension Of Tenure Of Chief Compliance Officer
- HUDCO extends Chief Compliance Officer Ms. Nishi Rani’s tenure by one year from 29 September 2026.
-
Closure of Trading Window
- Trading window closed from 1 October 2026 until 48 hours after Q2 and half-year results.
-
Corporate Disclosure
- HUDCO promoter shares moved from Ministry of Rural Development to MoHUA; 75% government holding unchanged.
-
Announcement Under Regulation 30 - ESG Rating
- HUDCO received ESG score 65.13, categorized as Performer, from Niche Ninety Nine Capability and Certifications.
Annual reports
-
Annual Report 2026
from bse
-
Annual Report 2025
from bse
-
Annual Report 2024
from bse
-
Annual Report 2023
from bse
-
Annual Report 2022
from bse
-
Annual Report 2021
from bse
-
Annual Report 2020
from bse
-
Annual Report 2019
from bse
-
Annual Report 2018
from bse
-
Annual Report 2017
from bse
-
Annual Report 2016
from bse
-
Annual Report 2015
from bse
-
Annual Report 2014
from bse
-
Annual Report 2013
from bse
-
Annual Report 2012
from bse
Concalls
-
Jul 2026Transcript PPT REC
-
May 2026PPT
-
May 2026PPT
-
Feb 2026Transcript PPT
-
Nov 2025Transcript PPT REC
-
Aug 2025Transcript PPT REC
-
May 2025Transcript PPT REC
-
May 2025PPT
-
Jan 2025Transcript PPT REC
-
Jan 2025PPT
-
Oct 2024PPT
-
Oct 2024PPT
-
Aug 2024PPT
-
May 2024Transcript PPT REC
-
Feb 2024PPT
-
Nov 2023PPT
-
Aug 2023PPT
-
Aug 2023PPT
-
May 2023PPT
-
Feb 2023PPT
-
Nov 2022PPT
-
Aug 2022PPT
-
May 2022PPT
-
Feb 2022PPT
-
Nov 2021PPT
-
Aug 2021PPT
-
Jul 2021PPT
-
Jul 2021PPT
-
Jun 2021PPT
-
Feb 2021PPT
-
Nov 2020PPT
-
Sep 2020PPT
-
Jun 2020PPT
-
Jun 2020PPT
-
Feb 2020PPT
-
Nov 2019PPT
-
Aug 2019PPT
-
May 2019PPT
-
May 2019PPT
-
Jan 2019PPT
-
Jan 2019PPT
-
Nov 2018PPT
-
Sep 2018PPT
-
May 2018PPT
-
Feb 2018PPT
-
Nov 2017PPT
Financing Activities
The company is a public financial institution and primarily finances social housing and urban infrastructure projects. It also provides consultancy services for major projects and government programs.[1]