Housing & Urban Development Corporation Ltd

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Housing & Urban Development Corporation Ltd

₹ 193 -0.95%
18 Apr - close price
hudco.org BSE: 540530 NSE : HUDCO
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

Ratios 9MFY24
Yield on Loans - 9.32%
Cost of Funds - 7.7%
Net Interest Margin - 3.18%[1]
Gross NPA - 3.14%
Net NPA - 0.44%[2]

Website BSE NSE
  • Market Cap ₹ 38,677 Cr.
  • Current Price ₹ 193
  • High / Low ₹ 227 / 44.2
  • Stock P/E 18.8
  • Book Value ₹ 78.6
  • Dividend Yield 1.99 %
  • ROCE 8.81 %
  • ROE 11.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has been maintaining a healthy dividend payout of 37.9%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 10.9% over past five years.
  • Company has a low return on equity of 12.0% over last 3 years.
  • 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.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,845 1,759 1,790 1,737 1,700 1,727 1,749 1,739 1,710 1,852 1,843 1,865 2,013
Interest 1,205 1,158 1,145 1,150 1,141 1,097 1,117 1,109 1,132 1,150 1,191 1,217 1,313
61 -146 108 97 304 -399 85 103 245 -155 60 55 12
Financing Profit 578 747 537 490 254 1,029 547 527 333 857 592 593 688
Financing Margin % 31% 42% 30% 28% 15% 60% 31% 30% 19% 46% 32% 32% 34%
8 18 8 9 9 17 8 8 10 10 9 16 10
Depreciation 2 2 1 2 2 3 3 3 3 3 2 2 2
Profit before tax 585 764 544 497 262 1,043 553 532 340 864 598 606 696
Tax % 33% 31% 26% 25% 26% 28% 26% 26% 25% 26% 25% 26% 25%
392 526 405 370 195 747 412 396 254 639 446 452 519
EPS in Rs 1.96 2.63 2.02 1.85 0.97 3.73 2.06 1.98 1.27 3.19 2.23 2.26 2.59
Gross NPA % 3.99% 4.03% 4.07% 4.08% 4.92% 3.58% 3.63% 3.80% 4.27% 3.42% 3.38% 3.36% 3.14%
Net NPA % 0.49% 0.50% 0.51% 0.52% 1.05% 0.51% 0.51% 0.60% 0.96% 0.52% 0.46% 0.49% 0.44%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 2,760 2,886 2,978 3,383 3,270 3,535 4,227 5,584 7,567 7,267 6,986 7,082 7,572
Interest 1,629 1,567 1,702 1,775 1,907 1,986 2,295 3,071 4,848 4,765 4,533 4,507 4,871
205 308 192 477 318 468 525 652 544 277 111 278 -28
Financing Profit 926 1,010 1,084 1,131 1,045 1,081 1,407 1,861 2,176 2,225 2,343 2,297 2,730
Financing Margin % 34% 35% 36% 33% 32% 31% 33% 33% 29% 31% 34% 32% 36%
19 55 25 44 37 99 7 7 4 11 11 4 45
Depreciation 5 5 4 5 5 5 5 5 6 7 8 11 10
Profit before tax 940 1,061 1,105 1,170 1,077 1,175 1,409 1,863 2,175 2,229 2,346 2,289 2,765
Tax % 34% 34% 34% 34% 27% 28% 28% 37% 21% 29% 27% 26%
622 700 734 768 784 842 1,010 1,180 1,708 1,579 1,717 1,702 2,056
EPS in Rs 310.49 349.51 366.64 383.80 3.92 4.21 5.05 5.90 8.53 7.89 8.57 8.50 10.27
Dividend Payout % 23% 21% 14% 13% 13% 13% 11% 14% 36% 28% 41% 45%
Compounded Sales Growth
10 Years: 9%
5 Years: 11%
3 Years: -2%
TTM: 9%
Compounded Profit Growth
10 Years: 10%
5 Years: 11%
3 Years: 0%
TTM: 14%
Stock Price CAGR
10 Years: %
5 Years: 34%
3 Years: 68%
1 Year: 327%
Return on Equity
10 Years: 11%
5 Years: 12%
3 Years: 12%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
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 2,002
Reserves 3,989 4,513 5,130 5,779 6,444 7,165 7,941 8,954 10,342 11,187 12,466 13,443 13,722
18,822 16,788 20,344 20,652 25,435 28,182 36,277 59,848 61,437 60,978 61,503 62,905 63,276
2,682 3,646 2,748 4,681 1,997 1,972 2,695 2,026 2,347 2,792 2,924 2,621 3,164
Total Liabilities 27,495 26,949 30,224 33,114 35,878 39,322 48,915 72,829 76,127 76,959 78,895 80,971 82,164
71 71 68 75 73 72 71 71 65 82 93 90 88
CWIP 14 18 27 25 28 32 35 39 52 39 25 19 13
Investments 1,224 684 754 756 369 369 528 536 234 251 259 631 213
26,186 26,176 29,376 32,259 35,409 38,850 48,281 72,185 75,777 76,588 78,518 80,230 81,849
Total Assets 27,495 26,949 30,224 33,114 35,878 39,322 48,915 72,829 76,127 76,959 78,895 80,971 82,164

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-896 1,988 -3,663 -182 -4,968 -2,598 -7,830 -23,400 -1,336 2,161 -806 -850
71 532 -80 -13 381 -4 -4 18 83 -14 -1 -353
2,876 -2,182 3,375 204 4,646 2,509 7,858 23,422 1,365 -1,083 81 691
Net Cash Flow 2,051 338 -368 9 60 -93 24 39 112 1,063 -726 -512

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 11% 11% 11% 10% 10% 9% 11% 11% 15% 12% 12% 11%

Shareholding Pattern

Numbers in percentages

4 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
89.81% 89.81% 81.81% 81.81% 81.81% 81.81% 81.81% 81.81% 81.81% 81.81% 81.81% 75.17%
0.10% 0.13% 0.21% 0.17% 0.21% 0.22% 0.24% 0.12% 0.30% 0.32% 0.65% 1.20%
2.29% 2.15% 8.67% 8.26% 7.96% 7.81% 7.60% 7.30% 7.29% 7.17% 7.15% 11.80%
7.81% 7.91% 9.32% 9.76% 10.02% 10.17% 10.34% 10.77% 10.61% 10.69% 10.41% 11.83%
No. of Shareholders 2,81,3062,88,3023,12,2283,17,0073,27,1043,27,0913,28,2283,26,4273,30,6153,39,7443,37,8063,89,764

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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DRHP

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Concalls

  • Feb 2024
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