Housing & Urban Development Corporation Ltd

₹ 205 0.66%

09 Jul 2:50 p.m.

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

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]

Website BSE NSE

Market Cap ₹ 41,079 Cr.
Current Price ₹ 205
High / Low ₹ 247 / 159
Stock P/E 10.2
Book Value ₹ 110
Dividend Yield 2.23 %
ROCE 8.41 %
ROE 20.2 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 20.6% 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.

Peer comparison

Financial Services Financial Services Finance Financial Institution

Part of BSE 500 BSE PSU Nifty 500 Nifty Midcap 100 Nifty 200 Nifty Dividend Opportunities 50 Nifty High Beta 50 BSE CPSE BSE Financial Services BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Total Market Nifty MidSmall Financial Services Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 BSE 500 Dividend Leaders 50

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	1,852	1,843	1,865	2,013	2,065	2,188	2,518	2,760	2,845	2,937	3,219	3,431	3,563
Interest	1,150	1,191	1,217	1,313	1,240	1,464	1,662	1,762	1,859	1,976	2,147	2,394	2,413
	-155	60	55	12	8	47	-138	73	-28	109	147	320	587
Financing Profit	857	592	593	688	817	678	994	924	1,014	852	926	717	563
Financing Margin %	46%	32%	32%	34%	40%	31%	39%	33%	36%	29%	29%	21%	16%
	10	9	16	10	129	9	8	10	10	8	32	74	62
Depreciation	3	2	2	2	2	2	3	3	4	3	3	3	4
Profit before tax	864	598	606	696	943	685	1,000	932	1,020	857	955	788	621
Tax %	26%	25%	26%	25%	26%	19%	31%	21%	29%	26%	26%	10%	-219%
	639	446	452	519	700	558	689	735	728	630	710	713	1,981
EPS in Rs	3.19	2.23	2.26	2.59	3.50	2.79	3.44	3.67	3.64	3.15	3.55	3.56	9.90
Gross NPA %	3.42%	3.38%	3.36%	3.14%	2.71%		2.04%	1.88%	1.67%	1.34%	1.21%	1.08%	1.04%
Net NPA %	0.52%	0.46%	0.49%	0.44%	0.36%		0.31%	0.27%	0.25%	0.09%	0.07%	0.06%	0.05%
Raw PDF

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
	3,383	3,270	3,535	4,227	5,584	7,567	7,267	6,986	7,082	7,829	10,345	13,150
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
	477	318	468	525	652	544	277	111	278	134	-46	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	3,057
Financing Margin %	33%	32%	31%	33%	33%	29%	31%	34%	32%	35%	35%	23%
	44	37	99	7	7	4	11	11	4	119	4	177
Depreciation	5	5	5	5	5	6	7	8	11	10	11	13
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
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
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
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:	27%

Compounded Profit Growth
10 Years:	18%
5 Years:	21%
3 Years:	33%
TTM:	49%

Stock Price CAGR
10 Years:	%
5 Years:	31%
3 Years:	51%
1 Year:	-11%

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	-31,603	-33,912
	-13	381	-4	-4	18	83	-14	-1	-353	435	-939	-884
	204	4,646	2,509	7,858	23,422	1,365	-1,083	81	691	10,174	32,215	34,793
Net Cash Flow	9	60	-93	24	39	112	1,063	-726	-512	322	-326	-3
Free Cash Flow	-193	-4,974	-2,606	-7,837	-23,408	-1,349	2,150	-812	-853	-10,283	-31,624	-33,906
CFO/OP	-19%	-155%	-72%	-200%	-462%	-13%	37%	-6%	-6%	-127%	-298%	-278%

Ratios

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
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)
%

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xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx
x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xxx,xxx.xx	xxx,xxx.xx
x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx

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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
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	81.81%	81.81%	75.17%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%
	0.32%	0.65%	1.20%	1.91%	2.70%	2.32%	2.08%	2.46%	1.96%	1.94%	1.97%	2.22%
	7.17%	7.15%	11.80%	11.39%	11.64%	9.05%	9.74%	9.69%	10.26%	10.92%	11.46%	11.03%
	10.69%	10.41%	11.83%	11.70%	10.66%	13.63%	13.17%	12.85%	12.78%	12.13%	11.56%	11.74%
No. of Shareholders	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

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	89.81%	89.81%	89.81%	89.81%	81.81%	81.81%	75.00%	75.00%	75.00%
	0.34%	0.07%	0.14%	0.10%	0.21%	0.30%	1.91%	2.46%	2.22%
	3.19%	2.80%	2.76%	2.29%	7.96%	7.29%	11.39%	9.69%	11.03%
	6.66%	7.32%	7.29%	7.81%	10.02%	10.61%	11.70%	12.85%	11.74%
No. of Shareholders	2,82,408	2,83,266	2,70,553	2,81,306	3,27,104	3,30,615	5,52,637	9,32,389	7,90,412

* 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.

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