Housing & Urban Development Corporation Ltd

₹ 231 -0.28%

11 Jul - close price

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 ₹ 46,186 Cr.
Current Price ₹ 231
High / Low ₹ 347 / 159
Stock P/E 17.0
Book Value ₹ 89.8
Dividend Yield 1.80 %
ROCE 9.62 %
ROE 15.7 %
Face Value ₹ 10.0

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Pros

Company is expected to give good quarter
Company has been maintaining a healthy dividend payout of 38.4%

Cons

Stock is trading at 2.57 times its book value
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 Nifty 200 Nifty Dividend Opportunities 50 Nifty High Beta 50 BSE CPSE BSE Allcap BSE Financial Services BSE SmallCap Select Index BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	1,727	1,749	1,739	1,710	1,852	1,843	1,865	2,013	2,065	2,188	2,518	2,760	2,845
Interest	1,097	1,117	1,109	1,132	1,150	1,191	1,217	1,313	1,240	1,464	1,662	1,762	1,859
	-399	85	103	245	-155	60	55	12	8	47	-138	73	-28
Financing Profit	1,029	547	527	333	857	592	593	688	817	678	994	924	1,014
Financing Margin %	60%	31%	30%	19%	46%	32%	32%	34%	40%	31%	39%	33%	36%
	17	8	8	10	10	9	16	10	129	9	8	10	10
Depreciation	3	3	3	3	3	2	2	2	2	2	3	3	4
Profit before tax	1,043	553	532	340	864	598	606	696	943	685	1,000	932	1,020
Tax %	28%	26%	26%	25%	26%	25%	26%	25%	26%	19%	31%	21%	29%
	747	412	396	254	639	446	452	519	700	558	689	735	728
EPS in Rs	3.73	2.06	1.98	1.27	3.19	2.23	2.26	2.59	3.50	2.79	3.44	3.67	3.64
Gross NPA %
Net NPA %
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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:	45%
3 Years:	85%
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%

Shareholding Pattern

Numbers in percentages

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	75.17%	75.00%	75.00%	75.00%	75.00%	75.00%
	0.22%	0.24%	0.12%	0.30%	0.32%	0.65%	1.20%	1.91%	2.70%	2.32%	2.08%	2.46%
	7.81%	7.60%	7.30%	7.29%	7.17%	7.15%	11.80%	11.39%	11.64%	9.05%	9.74%	9.69%
	10.17%	10.34%	10.77%	10.61%	10.69%	10.41%	11.83%	11.70%	10.66%	13.63%	13.17%	12.85%
No. of Shareholders	3,27,091	3,28,228	3,26,427	3,30,615	3,39,744	3,37,806	3,89,764	5,52,637	6,39,411	9,25,775	9,18,661	9,32,389

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	89.81%	89.81%	89.81%	89.81%	81.81%	81.81%	75.00%	75.00%
	0.34%	0.07%	0.14%	0.10%	0.21%	0.30%	1.91%	2.46%
	3.19%	2.80%	2.76%	2.29%	7.96%	7.29%	11.39%	9.69%
	6.66%	7.32%	7.29%	7.81%	10.02%	10.61%	11.70%	12.85%
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

* 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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