Housing & Urban Development Corporation Ltd.

•

hudco.org.inBSE: 540530NSE: HUDCO

Market Cap₹ 34,573 Cr.

Current Price

High / Low₹ 247 / 159

Stock P/E8.1

Book Value₹ 114

Price to Book1.45

Dividend Yield3.50 %

ROCE8.4 %

ROE20.2 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 20.6% CAGR over last 5 years
Comfortable capital adequacy - CAR of 39.9%
Solid return on assets for a lender - ROA of 2.7%
Asset quality is healthy - gross NPA of just 1.0%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 35.0% YoY, showing strong momentum

CONS

Company has a low return on capital employed of 9.1%
Free cash flow has been persistently negative
Operating margins have contracted to 89.6% from 96.6%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTY DIV OPPS 50 NIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 100 NIFTY MIDCAP 150

S.No.	Name
1.	BAJAJHFL	84.16	673.24	70124.93	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2256.30	31.65	53390.90	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	172.70	8.12	34572.81	3.50	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	562.55	5.39	30943.79	1.78	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1175.00	13.24	30644.46	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	456.35	17.53	19997.56	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	147.45	0.00	17171.39	0.00	243.30	-27.22	1651.93	-31.18	-4.70	99.91
8.	APTUS	249.30	12.68	12485.70	1.81	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1184.65	21.31	12386.64	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	CANFINHOME	781.05	9.21	10400.04	1.92	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1275.10	20.61	10110.82	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	INDIASHLTR	652.05	14.15	7118.25	1.53	137.59	27.24	408.23	24.73	12.96	73.07

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,828	1,850	1,998	2,053	2,175	2,504	2,746	2,830	2,925	3,206	3,419	3,555	3,717
	60	55	12	8	47	-138	73	-28	109	147	320	587	2,671
Operating Profit	1,783	1,810	2,001	2,057	2,142	2,656	2,687	2,873	2,828	3,072	3,111	2,976	3,609
OPM %	97.49%	97.80%	100.17%	100.19%	98.48%	106.10%	97.86%	101.53%	96.71%	95.83%	91.00%	83.70%	97.08%
Other Income	9	16	10	129	9	8	10	10	8	32	74	62	20
Interest	1,191	1,217	1,313	1,240	1,464	1,662	1,762	1,859	1,976	2,147	2,394	2,413	2,561
Depreciation	2	2	2	2	2	3	3	4	3	3	3	4	2
	598	606	696	943	685	1,000	932	1,020	857	955	788	621	1,066
Tax %	25.44%	25.52%	25.41%	25.76%	18.54%	31.14%	21.11%	28.67%	26.48%	25.65%	9.57%	-219.05%	20.17%
Net Profit	0	0	0	0	558	689	735	728	630	710	713	1,981	851
	2	2	3	4	3	3	4	4	3	4	4	10	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	3,499	4,171	5,556	7,532	7,235	6,954	7,049	7,784	10,311	13,150	13,898
	468	525	660	544	463	361	352	342	365	1,373	3,725
Operating Profit	3,031	3,646	4,895	6,989	6,771	6,593	6,697	7,442	9,946	11,778	10,173
OPM %	86.64%	87.41%	88.11%	92.78%	93.60%	94.81%	95.01%	95.60%	96.46%	89.56%	73.20%
	135	63	44	40	229	293	110	372	448	387	189
Interest	1,986	2,295	3,071	4,848	4,765	4,533	4,507	4,961	6,748	8,931	9,515
Depreciation	5	5	5	6	7	8	11	10	11	13	12
Profit before Tax	1,175	1,408	1,863	2,174	2,229	2,346	2,289	2,843	3,637	3,221	3,430
Tax %	28.35%	28.29%	36.67%	21.44%	29.17%	26.83%	25.68%	25.56%	25.50%	-25.23%	-24.04%
Net Profit	842	1,010	1,180	1,708	1,578	1,716	1,701	2,117	2,709	4,034	4,255
EPS	4.21	5.04	5.89	8.53	7.89	8.57	8.50	10.57	13.53	20.15	—
Dividend Payout %	13.07%	10.90%	14.00%	36.33%	27.58%	40.82%	45.30%	39.25%	30.67%	30.02%	—

COMPOUNDED SALES GROWTH

10 Years:: 15%
5 Years:: 13%
3 Years:: 23%

COMPOUNDED PROFIT GROWTH

10 Years:: 18%
5 Years:: 21%
3 Years:: 33%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 32%
3 Years:: 35%
1 Year:: -20%

RETURN ON EQUITY

10 Years:: 13%
5 Years:: 15%
3 Years:: 16%
Last Year:: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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
Minority Interest	1	0	0	0	0	0	0	0	0	0
	7,166	7,940	8,953	10,340	11,186	12,465	13,442	14,611	15,966	19,974
	26,994	37,501	59,859	61,447	60,988	61,514	62,917	74,046	1,07,346	1,41,962
Trade Payables	9	0	0	0	0	0	0	0	0	0
	3,552	1,917	2,603	2,792	3,204	3,328	3,032	3,233	3,807	3,056
Total Liabilities	39,723	49,360	73,416	76,581	77,380	79,308	81,393	93,891	1,29,122	1,66,993
	72	48	50	46	63	75	69	69	69	67
Capital Work in Progress	43	35	39	52	17	17	17	14	14	23
	367	527	534	232	250	257	630	297	1,318	2,227
	0	0	0	0	0	0	0	1	2	1
Cash & Bank	333	335	340	423	1,427	644	69	387	65	226
	38,908	48,415	72,453	75,829	75,622	78,314	80,607	93,123	1,27,654	1,64,449
Total Assets	39,723	49,360	73,416	76,581	77,380	79,308	81,393	93,891	1,29,122	1,66,993

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-2,216	-7,387	-22,802	-879	2,580	-394	-430	-10,287	-31,421	-33,912
Cash from Investing	-5	-4	18	83	-14	-1	-352	435	-1,041	-884
Cash from Financing	2,509	7,858	23,422	1,365	-1,083	81	691	10,174	32,218	34,793
	-93	24	39	112	1,063	-726	-512	322	-244	-3

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	75.00	75.00	75.00	75.00	75.00	75.00	75.00	75.00	75.00
	2.70	2.32	2.08	2.46	1.96	1.94	1.97	2.22	2.40
	11.64	9.05	9.74	9.69	10.26	10.92	11.46	11.03	10.09
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	10.66	13.63	13.17	12.85	12.78	12.14	11.57	11.74	12.50

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Change in Auditors

2026-09-10 - Housing & Urban Development Corporation Limited has informed the Exchange regarding Change in Auditors of the company.

2026-09-03

Credit Rating

2026-09-03 - Housing & Urban Development Corporation Limited has informed the Exchange about Credit Rating

2026-09-03

Updates

2026-09-03 - Housing & Urban Development Corporation Limited has informed the Exchange regarding 'ESG Rating assigned to the Company'.

2026-09-02

Updates

2026-09-02 - Housing & Urban Development Corporation Limited has informed the Exchange regarding 'MoU between HUDCO and the Government of Bihar'.

2026-09-02

Updates

2026-09-02 - Housing & Urban Development Corporation Limited has informed the Exchange regarding 'Corporate Disclosure'.

2026-09-01

Copy of Newspaper Publication

2026-09-01 - Housing & Urban Development Corporation Limited has informed the Exchange about Copy of Newspaper Publication- Special Window for transfer & dematerialization requests of physical securities.

2026-08-25

Shareholders meeting

2026-08-25 - Housing & Urban Development Corporation Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 24, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-25

Copy of Newspaper Publication

2026-08-25 - Housing & Urban Development Corporation Limited has informed the Exchange about Copy of Newspaper Publication- Excerpts of the Chairman's Message on the occasion of 56th AGM of the Company

2026-08-24

Shareholders meeting

2026-08-24 - Housing & Urban Development Corporation Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 24, 2026

News

Recent coverage and analyst commentary for HUDCO

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