Housing & Urban Development Corporation Ltd

₹ 46.2 -0.54%
03 Feb - 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 ₹ 9,259 Cr.
  • Current Price ₹ 46.2
  • High / Low ₹ 58.8 / 30.6
  • Stock P/E 5.29
  • Book Value ₹ 72.3
  • Dividend Yield 7.57 %
  • ROCE 9.16 %
  • ROE 12.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.64 times its book value
  • Stock is providing a good dividend yield of 7.57%.
  • Company has been maintaining a healthy dividend payout of 34.9%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.1% 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Revenue 2,045 1,794 1,888 1,774 1,857 1,845 1,759 1,790 1,737 1,700 1,727 1,749 1,739
Interest 1,244 1,205 1,189 1,199 1,202 1,205 1,158 1,145 1,150 1,141 1,097 1,117 1,109
49 242 164 311 52 61 -146 108 97 304 -399 85 103
Financing Profit 752 347 535 264 603 578 747 537 490 254 1,029 547 527
Financing Margin % 37% 19% 28% 15% 32% 31% 42% 30% 28% 15% 60% 31% 30%
9 9 12 8 9 8 18 8 9 9 17 8 8
Depreciation 1 1 1 1 2 2 2 1 2 2 3 3 3
Profit before tax 760 354 545 271 609 585 764 544 497 262 1,043 553 532
Tax % 4% 42% 19% 25% 25% 33% 31% 26% 25% 26% 28% 26% 26%
Net Profit 726 206 441 203 457 392 526 405 370 195 747 412 396
EPS in Rs 3.63 1.03 2.20 1.02 2.28 1.96 2.63 2.02 1.85 0.97 3.73 2.06 1.98
Gross NPA % 4.20% 4.98% 3.99%
Net NPA % 0.39% 1.23% 0.49%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
Revenue 2,758 2,886 2,978 3,383 3,270 3,536 4,228 5,584 7,567 7,267 6,986 6,915
Interest 1,629 1,567 1,702 1,775 1,908 1,986 2,295 3,071 4,848 4,765 4,533 4,463
205 309 192 477 319 468 526 652 544 277 111 94
Financing Profit 923 1,010 1,084 1,131 1,044 1,082 1,408 1,861 2,176 2,225 2,342 2,357
Financing Margin % 33% 35% 36% 33% 32% 31% 33% 33% 29% 31% 34% 34%
21 56 25 44 37 98 6 7 4 11 11 43
Depreciation 5 5 4 5 5 5 5 5 6 7 8 10
Profit before tax 940 1,061 1,105 1,170 1,076 1,175 1,408 1,863 2,174 2,229 2,346 2,390
Tax % 34% 34% 34% 34% 27% 28% 28% 37% 21% 29% 27%
Net Profit 622 700 734 768 783 842 1,010 1,180 1,708 1,578 1,716 1,749
EPS in Rs 3.91 4.21 5.04 5.89 8.53 7.89 8.57 8.74
Dividend Payout % 23% 21% 14% 13% 13% 13% 11% 14% 36% 28% 41%
Compounded Sales Growth
10 Years: 10%
5 Years: 15%
3 Years: 8%
TTM: -3%
Compounded Profit Growth
10 Years: 11%
5 Years: 16%
3 Years: 13%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: -10%
3 Years: 6%
1 Year: 12%
Return on Equity
10 Years: 11%
5 Years: 12%
3 Years: 13%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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
Reserves 3,989 4,513 5,130 5,779 6,444 7,166 7,940 8,953 10,340 11,186 12,465
13,714 13,553 18,888 18,315 25,449 28,196 36,277 59,848 61,437 60,978 61,503
7,791 6,881 4,204 7,018 1,999 1,975 2,695 2,026 2,347 2,792 2,924
Total Liabilities 27,495 26,949 30,224 33,114 35,894 39,339 48,914 72,828 76,126 76,958 78,894
71 71 68 75 73 72 71 71 65 82 93
CWIP 14 18 27 25 39 43 35 39 52 39 25
Investments 1,224 684 754 756 367 367 527 534 232 250 257
26,186 26,176 29,376 32,259 35,415 38,857 48,281 72,185 75,777 76,588 78,518
Total Assets 27,495 26,949 30,224 33,114 35,894 39,339 48,914 72,828 76,126 76,958 78,894

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-896 1,988 -3,663 -182 -4,965 -2,598 -7,830 -23,400 -1,336 2,161 -806
71 532 -80 -13 372 -5 -4 18 83 -14 -1
2,876 -2,182 3,375 204 4,659 2,509 7,858 23,422 1,365 -1,083 81
Net Cash Flow 2,051 338 -368 9 66 -93 24 39 112 1,063 -726

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
89.81 89.81 89.81 89.81 89.81 89.81 81.81 81.81 81.81 81.81 81.81 81.81
0.14 0.04 0.03 0.10 0.10 0.13 0.21 0.17 0.21 0.22 0.24 0.12
2.76 2.60 2.51 2.39 2.29 2.15 8.67 8.26 7.96 7.81 7.60 7.30
7.29 7.55 7.65 7.70 7.81 7.91 9.32 9.76 10.02 10.17 10.34 10.77

* 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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