Housing & Urban Development Corporation Ltd

₹ 34.8 0.14%
01 Jul - 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 Q3FY22
Yield on Loans - 9.4%
Cost of Funds - 7.5%
Net Interest Margin - 3.1%[1]
Gross NPA - 5%
Net NPA - 1%[2]

Website BSE NSE
  • Market Cap ₹ 6,977 Cr.
  • Current Price ₹ 34.8
  • High / Low ₹ 54.5 / 30.6
  • Stock P/E 4.06
  • Book Value ₹ 72.3
  • Dividend Yield 6.24 %
  • ROCE 9.16 %
  • ROE 12.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.48 times its book value
  • Stock is providing a good dividend yield of 6.24%.
  • Company has been maintaining a healthy dividend payout of 32.01%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.08% for 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

Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Revenue 1,806 2,045 1,794 1,888 1,774 1,857 1,845 1,759 1,790 1,737 1,700 1,727
Interest 1,209 1,244 1,205 1,189 1,199 1,202 1,205 1,158 1,145 1,150 1,141 1,097
90 49 242 164 311 52 61 -146 108 97 304 -399
Financing Profit 507 752 347 535 264 603 578 747 537 490 254 1,029
Financing Margin % 28% 37% 19% 28% 15% 32% 31% 42% 30% 28% 15% 60%
10 9 9 12 8 9 8 18 8 9 9 17
Depreciation 1 1 1 1 1 2 2 2 1 2 2 3
Profit before tax 515 760 354 545 271 609 585 764 544 497 262 1,043
Tax % 35% 4% 42% 19% 25% 25% 33% 31% 26% 25% 26% 28%
Net Profit 336 726 206 441 203 457 392 526 405 370 195 747
EPS in Rs 1.68 3.63 1.03 2.20 1.02 2.28 1.96 2.63 2.02 1.85 0.97 3.73
Gross NPA % 4.32% 4.20% 4.98% 3.82% 4.21% 3.99% 4.03% 4.08% 3.58%
Net NPA % 0.47% 0.39% 1.23% 0.19% 0.49% 0.49% 0.50% 0.52% 0.51%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Revenue 2,264 2,760 2,886 2,978 3,383 3,270 3,535 4,227 5,584 7,567 7,267 6,954
Interest 1,273 1,629 1,567 1,702 1,775 1,907 1,986 2,295 3,071 4,848 4,765 4,533
173 205 308 192 477 318 468 525 652 544 277 111
Financing Profit 817 926 1,010 1,084 1,131 1,045 1,081 1,407 1,861 2,176 2,225 2,310
Financing Margin % 36% 34% 35% 36% 33% 32% 31% 33% 33% 29% 31% 33%
15 19 55 25 44 37 99 7 7 4 11 44
Depreciation 11 5 5 4 5 5 5 5 5 6 7 8
Profit before tax 821 940 1,061 1,105 1,170 1,077 1,175 1,409 1,863 2,175 2,229 2,346
Tax % 33% 34% 34% 34% 34% 27% 28% 28% 37% 21% 29% 27%
Net Profit 550 622 700 734 768 784 842 1,010 1,180 1,708 1,579 1,717
EPS in Rs 274.75 310.49 349.51 366.64 383.80 3.92 4.21 5.05 5.90 8.53 7.89 8.57
Dividend Payout % 20% 23% 21% 14% 13% 13% 13% 11% 14% 36% 28% 32%
Compounded Sales Growth
10 Years: 10%
5 Years: 14%
3 Years: 8%
TTM: -4%
Compounded Profit Growth
10 Years: 11%
5 Years: 16%
3 Years: 13%
TTM: 9%
Stock Price CAGR
10 Years: %
5 Years: -12%
3 Years: -6%
1 Year: -35%
Return on Equity
10 Years: 11%
5 Years: 12%
3 Years: 13%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
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 3,519 3,989 4,513 5,130 5,779 6,444 7,165 7,941 8,954 10,342 11,187 12,466
15,779 18,822 16,788 20,344 20,652 25,435 28,182 36,277 59,848 61,437 60,978 61,503
1,437 2,682 3,646 2,748 4,681 1,997 1,972 2,695 2,026 2,347 2,792 2,924
Total Liabilities 22,737 27,495 26,949 30,224 33,114 35,878 39,322 48,915 72,829 76,127 76,959 78,895
74 71 71 68 75 73 72 71 71 65 82 101
CWIP 12 14 18 27 25 28 32 35 39 52 39 17
Investments 1,299 1,224 684 754 756 369 369 528 536 234 251 259
21,352 26,186 26,176 29,376 32,259 35,409 38,850 48,281 72,185 75,777 76,588 78,518
Total Assets 22,737 27,495 26,949 30,224 33,114 35,878 39,322 48,915 72,829 76,127 76,959 78,895

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-414 -896 1,988 -3,663 -182 -4,968 -2,598 -7,830 -23,400 -1,336 2,161 -806
206 71 532 -80 -13 381 -4 -4 18 83 -14 -1
180 2,876 -2,182 3,375 204 4,646 2,509 7,858 23,422 1,365 -1,083 81
Net Cash Flow -29 2,051 338 -368 9 60 -93 24 39 112 1,063 -726

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
ROE % 10% 11% 11% 11% 10% 10% 9% 11% 11% 15% 12% 12%

Shareholding Pattern

Numbers in percentages

Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
89.81 89.81 89.81 89.81 89.81 89.81 89.81 89.81 89.81 81.81 81.81 81.81
0.07 0.08 0.19 0.14 0.04 0.03 0.10 0.10 0.13 0.21 0.17 0.21
2.68 2.87 2.81 2.76 2.60 2.51 2.39 2.29 2.15 8.67 8.26 7.96
7.44 7.24 7.19 7.29 7.55 7.65 7.70 7.81 7.91 9.32 9.76 10.02

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