Housing & Urban Development Corporation Ltd
Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]
- Market Cap ₹ 42,120 Cr.
- Current Price ₹ 210
- High / Low ₹ 313 / 159
- Stock P/E 15.6
- Book Value ₹ 89.8
- Dividend Yield 1.97 %
- ROCE 9.62 %
- ROE 15.7 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has been maintaining a healthy dividend payout of 38.4%
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.38% over past five years.
- Company has a low return on equity of 13.5% 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
Financial Services Financial Services Finance Financial Institution
Part of BSE 500 BSE PSU Nifty 500 BSE SmallCap Nifty Midcap 100
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2,978 | 3,383 | 3,270 | 3,536 | 4,228 | 5,584 | 7,567 | 7,267 | 6,986 | 7,082 | 7,829 | 10,311 | |
Interest | 1,702 | 1,775 | 1,908 | 1,986 | 2,295 | 3,071 | 4,848 | 4,765 | 4,533 | 4,507 | 4,961 | 6,747 |
192 | 477 | 319 | 468 | 526 | 652 | 544 | 277 | 111 | 279 | 134 | -46 | |
Financing Profit | 1,084 | 1,131 | 1,044 | 1,082 | 1,408 | 1,861 | 2,176 | 2,225 | 2,342 | 2,296 | 2,734 | 3,610 |
Financing Margin % | 36% | 33% | 32% | 31% | 33% | 33% | 29% | 31% | 34% | 32% | 35% | 35% |
25 | 44 | 37 | 98 | 6 | 7 | 4 | 11 | 11 | 4 | 119 | 37 | |
Depreciation | 4 | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 8 | 11 | 10 | 11 |
Profit before tax | 1,105 | 1,170 | 1,076 | 1,175 | 1,408 | 1,863 | 2,174 | 2,229 | 2,346 | 2,289 | 2,843 | 3,637 |
Tax % | 34% | 34% | 27% | 28% | 28% | 37% | 21% | 29% | 27% | 26% | 26% | 26% |
734 | 768 | 783 | 842 | 1,010 | 1,180 | 1,708 | 1,578 | 1,716 | 1,701 | 2,117 | 2,709 | |
EPS in Rs | 366.64 | 383.80 | 3.91 | 4.21 | 5.04 | 5.89 | 8.53 | 7.89 | 8.57 | 8.50 | 10.57 | 13.53 |
Dividend Payout % | 14% | 13% | 13% | 13% | 11% | 14% | 36% | 28% | 41% | 45% | 39% | 31% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 6% |
3 Years: | 14% |
TTM: | 32% |
Compounded Profit Growth | |
---|---|
10 Years: | 13% |
5 Years: | 10% |
3 Years: | 16% |
TTM: | 28% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 44% |
3 Years: | 78% |
1 Year: | -31% |
Return on Equity | |
---|---|
10 Years: | 12% |
5 Years: | 13% |
3 Years: | 14% |
Last Year: | 16% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 5,130 | 5,779 | 6,444 | 7,166 | 7,940 | 8,953 | 10,340 | 11,186 | 12,465 | 13,442 | 14,611 | 15,966 |
Borrowing | 18,888 | 18,315 | 25,449 | 28,196 | 36,277 | 59,848 | 61,437 | 60,978 | 61,503 | 62,905 | 73,996 | 107,297 |
4,204 | 7,018 | 1,999 | 1,975 | 2,695 | 2,026 | 2,347 | 2,792 | 2,924 | 2,621 | 2,814 | 3,231 | |
Total Liabilities | 30,224 | 33,114 | 35,894 | 39,339 | 48,914 | 72,828 | 76,126 | 76,958 | 78,894 | 80,969 | 93,422 | 128,496 |
68 | 75 | 73 | 72 | 71 | 71 | 65 | 82 | 93 | 90 | 88 | 90 | |
CWIP | 27 | 25 | 39 | 43 | 35 | 39 | 52 | 39 | 25 | 19 | 15 | 14 |
Investments | 754 | 756 | 367 | 367 | 527 | 534 | 232 | 250 | 257 | 630 | 297 | 1,318 |
29,376 | 32,259 | 35,415 | 38,857 | 48,281 | 72,185 | 75,777 | 76,588 | 78,518 | 80,230 | 93,022 | 127,074 | |
Total Assets | 30,224 | 33,114 | 35,894 | 39,339 | 48,914 | 72,828 | 76,126 | 76,958 | 78,894 | 80,969 | 93,422 | 128,496 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-3,663 | -182 | -4,965 | -2,598 | -7,830 | -23,400 | -1,336 | 2,161 | -806 | -851 | -10,287 | -31,603 | |
-80 | -13 | 372 | -5 | -4 | 18 | 83 | -14 | -1 | -352 | 435 | -939 | |
3,375 | 204 | 4,659 | 2,509 | 7,858 | 23,422 | 1,365 | -1,083 | 81 | 691 | 10,174 | 32,215 | |
Net Cash Flow | -368 | 9 | 66 | -93 | 24 | 39 | 112 | 1,063 | -726 | -512 | 322 | -326 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 11% | 10% | 10% | 9% | 11% | 11% | 15% | 12% | 12% | 11% | 13% | 16% |
Documents
Announcements
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Board Meeting Intimation for Financial Results And Dividend
29 Jul - Board meeting on 6 Aug for Q1 results and possible interim dividend; trading window closed till 8 Aug.
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Disclosure Under Regulation 30
18 Jul - HUDCO discontinues individual home loan portfolio after reclassification as NBFC-IFC on 18 July 2025.
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Announcement under Regulation 30 (LODR)-Raising of Funds
17 Jul - HUDCO to raise Rs.3000 Cr via 3-year unsecured bonds at 6.64% coupon on private placement basis.
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Board Meeting Outcome for Raising Of Unsecured, Taxable, Redeemable, Non-Convertible, Non-Cumulative Ncds Of Face Value Of Rs. 1,00,000 Each (Series -D 2025) On Private Placement Basis
17 Jul - HUDCO to raise Rs. 3000 Cr via 3-year unsecured NCDs at 6.64% coupon through private placement.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
16 Jul - Opening of Special Window for re-lodgement of transfer requests of physical shares
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2010
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Financial Year 2008
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Concalls
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May 2025Transcript PPT REC
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May 2025TranscriptNotesPPT
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Oct 2024TranscriptNotesPPT
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May 2024Transcript PPT REC
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Nov 2021TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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Nov 2019TranscriptNotesPPT
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Nov 2018TranscriptNotesPPT
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Sep 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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Feb 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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]