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Housing & Urban Development Corporation Ltd

Housing & Urban Development Corporation

Large Cap•621 Employees•IPO 2017
Current Price
₹181.74
-5.01 (-2.68%)Updated
NSE :HUDCO
BSE :540530
Sector :Financial Services
Valuation vs Sector
P/E Ratio
13.09vs 20.04
P/B Ratio
2.02vs 2.26
Div Yield
2.73%vs 0.54%
Today's Range
₹175.00
₹181.74
union icon
₹184.36
52 Week Range
52W Low₹158.85
52W High₹253.73
₹181.74
union icon
Downside14.41%
Upside39.61%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹38,796.82 Cr
Market Cap
Total market value of company
P/E Ratio
13.95
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
2.49
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹13.89
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
7.99%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
9.62%
ROCE
Return on Capital Employed. >15% is good
Net Margin
22.37%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
9.66%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
6.48%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
34.20%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
13.00%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
5.97
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹89.76
Book Value
Net asset value per share
Dividend Yield
2.73%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
75.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

4 points
  • •HUDCO exhibits a robust ROE of 15.70%, signifying efficient capital utilization and strong profitability. Coupled with a P/E ratio of 17.00, it suggests a reasonable valuation compared to its earnings potential, making it attractive for investors.
  • •The company shows impressive quarterly sales growth of 34.20%, indicating a positive growth trajectory and strong market demand for its services. This growth is further supported by a 13.00% increase in quarterly profits, demonstrating operational efficiency.

Weaknesses

4 points
  • •HUDCO's high debt-to-equity ratio of 5.97 indicates a significant reliance on debt financing, which could pose risks during economic downturns or interest rate hikes. This high leverage increases financial vulnerability.
  • •While recent stock prices show a positive trend, the 52-week high of ₹264.00 and low of ₹159.00 reveal considerable price volatility. This volatility presents risk to investors seeking stability in their portfolios.

Opportunities

3 points
  • •Government focus on affordable housing and urban infrastructure development presents a significant growth opportunity for HUDCO, driving demand for its financing services and expanding its market reach.
  • •Compared to larger peers like IRFC and PFC, HUDCO's current market capitalization of ₹47,228 crore suggests potential for substantial market share expansion within the financial services sector, especially in its niche.

Threats

4 points
  • •As a financial institution with high debt, rising interest rates pose a significant threat by increasing borrowing costs and potentially impacting loan demand, which could compress net interest margins and overall profitability.
  • •Intense competition from other financial institutions, including larger players like IRFC and PFC, could limit HUDCO's market share growth and put pressure on its lending margins, affecting future revenue expansion.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹204.45+₹22.71+12.50%
R3₹195.09+₹13.35+7.35%
R2₹189.73+₹7.99+4.39%
R1₹185.73+₹3.99+2.20%
PIVOT₹180.37-1.37-0.76%
CURRENT₹181.74--
S1₹157.65-₹24.09-13.25%
S2₹167.01-₹14.73-8.10%
S3₹171.01-₹10.73-5.91%
S4₹176.37-₹5.37-2.95%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
4.40M
(02 Mar 2026)
-12.5% vs avg
Delivery %
37.9%
(02 Mar 2026)
+4.0% vs avg
Avg Volume (20D)
5.03M
(03 Feb - 02 Mar)
20-day average
Avg Delivery %
33.9%
(03 Feb - 02 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Indian Railway Finance Corporation Ltd
1.48L ₹ Cr
Best Profit Growth
IFCI Ltd
138.00 %
Highest Dividend Yield
REC Ltd
6.58 %

Peer Comparison

Company Name
IFCI
IFCI Ltd
IREDA
Indian Renewable Energy Development Agency Ltd
IRFC
Indian Railway Finance Corporation Ltd
JSWHL
JSW Holdings Ltd
MUFIN
Mufin Green Finance Ltd
MUTHOOTMF
Muthoot Microfin Ltd
PFC
Power Finance Corporation Ltd
PFS
PTC India Financial Services Ltd
RECLTD
REC Ltd
TFCILTD
Tourism Finance Corporation of India Ltd

About

HUDCO

Housing & Urban Development Corporation Ltd

HUDCO (Housing and Urban Development Corporation Limited) is a leading Indian financial institution specializing in providing loans and financing for housing and urban development projects across the country. Its primary business involves offering term loans to a wide range of borrowers, including state government bodies, co-operative societies, corporate entities, joint sector ventures, and individual retail clients. These loans support various housing initiatives, from urban and rural housing projects and co-operative housing schemes to slum upgrading and staff housing developments. The scope extends to land acquisition and the renovation and repair of existing structures.

Beyond housing, HUDCO plays a crucial role in infrastructure financing. The company provides funding for projects spanning essential services such as water supply, sewerage, drainage, and solid waste management. It also supports transportation infrastructure development (roads and transport) and energy sector projects encompassing power generation, transmission, distribution, and renovation. Furthermore, HUDCO is involved in financing projects related to smart city initiatives and various social infrastructure projects. This includes facilities like sports complexes, health centers, educational institutions, government buildings, and rehabilitation centers.

HUDCO's financing extends to commercial infrastructure projects, contributing to the development of office spaces, business centers, shopping malls, entertainment venues, hotels, and other commercial real estate developments. This broad approach to infrastructure financing positions HUDCO as a key player in India's overall urban development.

In addition to its core financing business, HUDCO offers a suite of consultancy services. These services encompass architectural design, urban and regional planning, environmental impact assessment and monitoring, and project management. The company also provides valuation and real estate consultancy services, adding another layer of expertise to its offerings. Complementing these services, HUDCO provides research and training services, including capacity building programs, research facilitation, and the dissemination of knowledge through publications and technical inputs for policy development.

Established in 1970 and headquartered in New Delhi, HUDCO has a long history of contributing to India's urban landscape. Its integrated approach, combining financing, consultancy, and research, positions it uniquely to drive sustainable and comprehensive urban development throughout the country.

COMPANY FACTS - HUDCO

Registered Address

HUDCO Bhawan, Core-7-A,, India Habitat Centre, Lodhi Road,

New Delhi

DELHI

IN

Tel: 911124649610

Website:https://www.hudco.org/

Investor Relations:https://hudco.org//Site/FormTemplete/frmTemp1PLargeTC1C_P.aspx?MnId=391&ParentID=326
Company Details

Group: Financial Services

Sector: Financials

Industry: Financial Services

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 621

IPO Date: 19/05/2017

MANAGEMENT - HUDCO

Shri. Sanjay Kulshrestha

Chairman of the Board, Managing Director

Shri. Daljeet Khatri

Chief Financial Officer, Director (Finance), Executive Director

Shri. Vikas Goyal

Compliance Officer and Company Secretary

Shri. Muniappa Nagaraj

Director - (Corporate Planning)

Shri. Shailesh Tripathi

Senior Executive Director

Shri. Sanjeet Bhagat

Part-Time Official (Government Nominee) Director

Shri. Baldeo Purushartha

Government Nominee Director

Smt. Sabitha Bojan

Non-Official (Independent) Director

Shri. Kantilal Patel

Non-Official (Independent) Director

Dr. Ravindra Ray

Non-Official (Independent) Director

Investor Questions Answered

Housing & Urban Development Corporation Ltd (HUDCO) Stock FAQs

Get answers to the most common questions about Housing & Urban Development Corporation Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Housing & Urban Development Corporation Ltd (HUDCO) is ₹181.74. Today, the stock has declined by ₹5.01 (2.68%), trading in a range of ₹175 to ₹184.36. The stock opened at ₹175 with a trading volume of 43,96,131 shares.
Housing & Urban Development Corporation Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹38,796.82 crores, P/E ratio of 13.95, ROE of 7.99%, and ROCE of 9.62%. The dividend yield stands at 2.73%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Housing & Urban Development Corporation Ltd (HUDCO) is ₹253.73, while the 52-week low is ₹158.85. Currently trading at ₹181.74, the stock is 24.1% away from its 52-week low and 28.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Housing & Urban Development Corporation Ltd stock at ₹181.74 depends on multiple factors. The stock is currently trading with a P/E ratio of 13.95 and P/B ratio of N/A. Today's performance shows a loss of 2.68%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Housing & Urban Development Corporation Ltd offers a dividend yield of 2.73%, which means for every ₹100 invested at the current price of ₹181.74, you can expect to receive approximately ₹2.73 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Housing & Urban Development Corporation Ltd's key financial metrics include: P/E Ratio: 13.95, P/B Ratio: N/A, ROE: 7.99%, ROCE: 9.62%, Dividend Yield: 2.73%, EPS: ₹13.89, Book Value: ₹89.76, Debt-to-Equity: 5.97, and Current Ratio: N/A. The company's market cap stands at ₹38,796.82 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Housing & Urban Development Corporation Ltd stock opened at ₹175 and is currently trading at ₹181.74, showing a decline of ₹5.01 (2.68%). The intraday high is ₹184.36 and low is ₹175. The trading volume stands at 43,96,131 shares, indicating strong market participation today.
Housing & Urban Development Corporation Ltd has a Price-to-Earnings (P/E) ratio of 13.95, which means investors are willing to pay ₹13.95 for every ₹1 of earnings. With an EPS of ₹13.89, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Housing & Urban Development Corporation Ltd has a market capitalization of ₹38,796.82 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹181.74) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Housing & Urban Development Corporation Ltd has a book value of ₹89.76 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹181.74, which is 102.5% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Housing & Urban Development Corporation Ltd has a Return on Equity (ROE) of 7.99% and Return on Capital Employed (ROCE) of 9.62%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Housing & Urban Development Corporation Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Housing & Urban Development Corporation Ltd has a debt-to-equity ratio of 5.97, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Housing & Urban Development Corporation Ltd has an Earnings Per Share (EPS) of ₹13.89, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹181.74 and P/E ratio of 13.95, investors are paying 13.95 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Housing & Urban Development Corporation Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Housing & Urban Development Corporation Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Housing & Urban Development Corporation Ltd stock, consider: 1) Fundamental Analysis - Review P/E (13.95), ROE (7.99%), debt-to-equity (5.97), and growth rates. 2) Technical Analysis - Check 52-week range (₹158.85 - ₹253.73), moving averages, and chart patterns. 3) Valuation - Compare current price (₹181.74) with book value (₹89.76) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Housing & Urban Development Corporation Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹181.74 is 1717x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Housing & Urban Development Corporation Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹158.85 - ₹253.73). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 5.97 indicates leverage. 4) Liquidity Risk - Based on trading volume of 43,96,131 shares. 5) Valuation Risk - P/E of 13.95 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Housing & Urban Development Corporation Ltd operates in the industry with key metrics: P/E ratio of 13.95, ROE of 7.99%, market cap of ₹38,796.82 crores, and dividend yield of 2.73%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 5.97), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Housing & Urban Development Corporation Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹181.74, with a 52-week range of ₹158.85 to ₹253.73. Based on fundamentals like P/E (13.95), ROE (7.99%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Housing & Urban Development Corporation Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹181.74. 2) Fundamental Deterioration - Declining ROE (currently 7.99%), increasing debt (D/E: 5.97), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Housing & Urban Development Corporation Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 2.73%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.