HUDCO

Why is Housing & Urban Development Corporation Ltd. falling/rising?

As of 16-Jun, the stock price of Housing & Urban Development Corporation Ltd. is rising to Rs 213.05, up 1.77%, driven by strong fundamentals and positive financial results, despite a decline in investor participation. The stock has outperformed its sector and shows a bullish trend, trading above key moving averages.

As of 16-Jun, the stock price of Housing & Urban Development Corporation Ltd. is rising, currently at Rs 213.05, reflecting an increase of Rs 3.7 or 1.77%. This upward movement can be attributed to several factors. The stock has outperformed its sector by 1.33% today and has shown a consecutive gain over the last three days, with a total return of 4.75% during this period. Additionally, the stock reached an intraday high of Rs 216.3, marking a 3.32% increase.<BR><BR>The stock is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a strong bullish trend. Furthermore, despite a decline in investor participation, with delivery volume falling by 19.16% against the 5-day average, the stock remains liquid enough for trading, with a market cap of Rs 41,910 crore, making it the second largest in its sector.<BR><BR>Positive financial results have contributed to this rise, with the company reporting its highest net sales and profit after tax in the recent quarter. The return on equity (ROE) stands at 18.4%, and the company has shown a significant profit increase of 48.9% over the past year, despite a negative return of -7.27% in the same timeframe. The stock's fair valuation, trading at a premium compared to its peers, further supports its rising price. Overall, the combination of strong fundamentals, recent performance, and market positioning has led to the current rise in the stock price of Housing & Urban Development Corporation Ltd.

Which are the latest news on HUDCO?

Should I buy, sell or hold Housing & Urban Development Corporation Ltd.?

What does HUDCO do?

HUDCO (Housing & Urban Development Corporation Ltd.) is a mid-cap finance company focused on housing and urban development, with a market cap of INR 41,399 Cr and a net profit of INR 1,981 Cr for Q1 2026. It was established in 1970 and offers financing solutions in the sector.

Overview:<BR>Housing & Urban Development Corporation Ltd. (HUDCO) operates in the finance industry as a mid-cap company, focusing on housing and urban development financing.<BR><BR>History:<BR>HUDCO was incorporated in 1970 as 'The Housing and Urban Development Finance Corporation Private Limited' and later renamed to its current title in 1974. The most recent quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 3,563 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 1,981 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 41,399 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 10.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 2.58% <BR>Debt Equity: 6.45 <BR>Return on Equity: 18.36% <BR>Price to Book: 1.90 <BR><BR>Contact Details:<BR>Address: HUDCO Bhavan Core 7-A, India Habitat Centre Lodhi Rd New Delhi New Delhi : 110003 <BR>Tel: 91-11-24649610-27 <BR>Email: cswhudco@hudco.org <BR>Website: http://www.hudco.org

How big is HUDCO?

As of 10th June, HUDCO has a market capitalization of 41,399.00 Cr, with Net Sales of 13,150.40 Cr and a Net Profit of 4,034.37 Cr reported in the latest four quarters. Shareholder's Funds were 17,968.05 Cr, and Total Assets amounted to 1,28,495.65 Cr for the annual period ending March 2025.

As of 10th June, Housing & Urban Development Corporation Ltd. has a market capitalization of 41,399.00 Cr, classifying it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 13,150.40 Cr and a Net Profit of 4,034.37 Cr.<BR><BR>For the latest annual period ending in March 2025, the Shareholder's Funds were 17,968.05 Cr, and the Total Assets amounted to 1,28,495.65 Cr.

Who are in the management team of HUDCO?

The management team of HUDCO includes Kuldip Narayan (Chairman & Managing Director), D Guhan (Director Finance & CFO), M Nagaraj (Director Corporate Planning), and Harish Kumar Sharma (Company Secretary). The board also features independent directors and government nominees who contribute to the organization's strategic and financial oversight.

The management team of HUDCO includes the following key members:<BR><BR>1. **Kuldip Narayan** - Chairman & Managing Director<BR>2. **D Guhan** - Director (Finance) & CFO<BR>3. **M Nagaraj** - Director (Corporate Planning)<BR>4. **Harish Kumar Sharma** - Company Secretary & Compliance Officer<BR><BR>Additionally, the board features several independent directors:<BR>- **Ravindra Kumar Ray**<BR>- **Sabitha Bojan**<BR>- **Siyaram Singh**<BR>- **Banshilal Gurjar**<BR><BR>There are also government nominees on the board:<BR>- **Sanjeet**<BR>- **Satinder Pal Singh**<BR><BR>This team oversees the strategic direction and financial management of HUDCO.

Who are the peers of the HUDCO?

HUDCO's peers include Power Fin. Corpn., I R F C, REC Ltd, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, and Fusion Finance, with varying management risks and growth rates. HUDCO's 1-year return is -15.43%, better than I R F C's -35.52% but lower than most peers.

Peers: The peers of HUDCO are Power Fin.Corpn., I R F C, REC Ltd, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, and Fusion Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Power Fin.Corpn. and REC Ltd, while Average management risk is found at I R F C, HUDCO, Indian Renewable, and Muthoot Microfin. Good management risk is noted for CreditAcc. Gram., while Below Average management risk is seen at IFCI and Tour. Fin. Corp. and the rest. Growth is Excellent at REC Ltd, Good at Indian Renewable, Average at Power Fin.Corpn., I R F C, HUDCO, and the rest, and Below Average at Muthoot Microfin, Fusion Finance, IFCI, and Tour. Fin. Corp. Capital Structure is Excellent at CreditAcc. Gram., Below Average at IFCI and Tour. Fin. Corp., Good at REC Ltd, and Average at Power Fin.Corpn., I R F C, HUDCO, Indian Renewable, Muthoot Microfin, and Fusion Finance.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 62.44%, while the lowest is I R F C at -35.52%. HUDCO's 1-year return is -15.43%, which is higher than I R F C but lower than the other peers. Additionally, IFCI, Tour. Fin. Corp., and Fusion Finance have negative six-month returns.

Are Housing & Urban Development Corporation Ltd. latest results good or bad?

Housing & Urban Development Corporation Ltd. (HUDCO) reported a strong net profit growth of 172.26% in Q4 FY26, driven by a tax reversal, but faced significant margin compression and operational challenges, raising concerns about the sustainability of its profitability. Investors should be cautious given these mixed results.

The latest results for Housing & Urban Development Corporation Ltd. (HUDCO) present a mixed picture. On one hand, the company reported a significant increase in net profit for Q4 FY26, reaching ₹1,981.31 crore, which is a remarkable 172.26% year-on-year growth. Additionally, interest income grew by 25.23% year-on-year to ₹3,562.86 crore, indicating strong revenue growth.<BR><BR>However, there are critical concerns that overshadow these positive figures. The net profit surge was largely influenced by a tax reversal, which transformed a pre-tax profit of ₹621.01 crore into the reported post-tax profit. This suggests that the underlying operational performance may not be as strong as the headline figures imply. <BR><BR>Moreover, the company experienced significant margin compression, with the operating profit margin (excluding other income) declining from 100.99% to 83.52% year-on-year. This decline indicates rising funding costs are eroding profitability faster than the company can grow its loan book. The gross profit margin also fell sharply, from 35.99% to 17.54%, highlighting challenges in maintaining pricing power in a competitive lending environment.<BR><BR>Overall, while HUDCO's revenue growth is commendable, the deterioration in margins and reliance on one-time accounting adjustments raise concerns about the sustainability of its profitability. Investors should approach with caution, considering these operational challenges alongside the impressive growth figures.

When is the next results date for Housing & Urban Development Corporation Ltd.?

The next results date for Housing & Urban Development Corporation Ltd. is 14 May 2026.

The next results date for Housing & Urban Development Corporation Ltd. is scheduled for 14 May 2026.

Has Housing & Urban Development Corporation Ltd. declared dividend?

Housing & Urban Development Corporation Ltd. has declared a 12% dividend, with an ex-date of March 27, 2026. While recent short-term returns have been negative, long-term returns over 3, 4, and 5 years show significant growth.

Housing & Urban Development Corporation Ltd. has declared a 12% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Ex-date: 27 Mar 26<BR><BR>Dividend Yield: 2.47%.<BR><BR>Total Returns by Period:<BR>In the 3-month period, the price return was -18.14%, the dividend return was 1.04%, resulting in a total return of -17.1%.<BR><BR>In the 6-month period, the price return was -22.48%, the dividend return was 1.50%, leading to a total return of -20.98%.<BR><BR>For the 1-year period, the price return was -13.16%, the dividend return was 2.62%, which resulted in a total return of -10.54%.<BR><BR>Over the 2-year period, the price return was -3.25%, the dividend return was 5.31%, culminating in a total return of 2.06%.<BR><BR>In the 3-year period, the price return was 314.75%, the dividend return was 35.07%, producing a total return of 349.82%.<BR><BR>During the 4-year period, the price return was 406.0%, the dividend return was 53.00%, resulting in a total return of 459.0%.<BR><BR>For the 5-year period, the price return was 298.87%, the dividend return was 51.59%, leading to a total return of 350.46%.<BR><BR>Overall, Housing & Urban Development Corporation Ltd. has declared a significant dividend, and while recent short-term returns have been negative, the longer-term returns show substantial growth, particularly over the 3, 4, and 5-year periods.

Is HUDCO technically bullish or bearish?

As of December 1, 2025, HUDCO's trend is mildly bullish, supported by daily moving averages and weekly MACD signals, though caution is advised due to mildly bearish monthly indicators and underperformance relative to the Sensex.

As of 1 December 2025, the technical trend for HUDCO has changed from bullish to mildly bullish. The current stance is mildly bullish, driven primarily by the daily moving averages indicating bullish momentum and the weekly MACD also showing bullish signals. However, the monthly MACD and KST are mildly bearish, suggesting some caution. The Bollinger Bands are mildly bullish on both weekly and monthly time frames, reinforcing the overall positive sentiment. Despite the lack of strong signals from the RSI and Dow Theory, the recent price action, including today's high of 240.75, indicates a potential for upward movement, although the stock has underperformed compared to the Sensex over the past month and year.

Is HUDCO overvalued or undervalued?

As of November 21, 2025, HUDCO is considered overvalued with a PE ratio of 16.44 and an EV to EBITDA of 15.07, reflecting a shift from very attractive to very expensive, despite a strong long-term return of 602.9% and underperformance against the Sensex year-to-date.

As of 21 November 2025, HUDCO's valuation grade has moved from very attractive to very expensive, indicating a significant shift in its market perception. The company is currently assessed as overvalued. Key ratios include a PE ratio of 16.44, an EV to EBITDA of 15.07, and a dividend yield of 2.65%. <BR><BR>In comparison to its peers, HUDCO's PE ratio is notably lower than that of Piramal Finance, which stands at 61.32, but higher than LIC Housing Finance at 5.45. The EV to EBITDA ratio also suggests that HUDCO is more expensive than PNB Housing, which has an EV to EBITDA of 11.15. Despite a strong performance over the long term, with a 5-year return of 602.9%, recent trends show that HUDCO's stock has underperformed against the Sensex year-to-date, reinforcing the notion of its current overvaluation.

How has been the historical performance of HUDCO?

HUDCO has shown significant growth in financial performance, with net sales increasing from 7,049.46 Cr in March 2023 to 10,311.29 Cr in March 2025, alongside rising profits and total assets. However, cash flow from operating activities turned negative, with a cash outflow of 31,602.00 Cr in March 2025.

Answer:<BR>The historical performance of HUDCO shows significant growth in net sales and profit over the years, culminating in a net sales figure of 10,311.29 Cr for the year ending March 2025. This marks a substantial increase from 7,784.29 Cr in March 2024 and 7,049.46 Cr in March 2023. Operating profit also reflects this upward trend, reaching 10,394.75 Cr in March 2025, compared to 7,814.12 Cr in the previous year. Profit before tax increased to 3,636.66 Cr in March 2025 from 2,843.44 Cr in March 2024, while profit after tax rose to 2,709.14 Cr from 2,116.74 Cr. The company's total assets grew to 1,28,495.65 Cr in March 2025, up from 93,422.34 Cr in March 2024, indicating a robust expansion. However, total liabilities also increased to 1,28,495.65 Cr, reflecting a rise in short-term borrowings to 1,07,296.76 Cr. The cash flow from operating activities showed a negative trend, with a cash outflow of 31,602.00 Cr in March 2025, compared to a lesser outflow of 10,286.00 Cr in March 2024.<BR><BR>Breakdown:<BR>HUDCO's financial performance has demonstrated a consistent upward trajectory in net sales, which increased from 7,049.46 Cr in March 2023 to 10,311.29 Cr in March 2025. This growth is mirrored in the operating profit, which rose from 6,771.08 Cr to 10,394.75 Cr over the same period. Profit before tax also saw a notable increase from 2,289.41 Cr to 3,636.66 Cr, while profit after tax improved from 1,701.62 Cr to 2,709.14 Cr. The company's total assets expanded significantly, reaching 1,28,495.65 Cr in March 2025, alongside a rise in total liabilities to the same figure, primarily driven by increased short-term borrowings. Despite the growth in profits, cash flow from operating activities turned negative, indicating challenges in cash management, with a cash outflow of 31,602.00 Cr in March 2025.

Who are the top shareholders of the HUDCO?

The top shareholders of HUDCO include the President of India, holding 54.27%, followed by the Life Insurance Corporation of India with 7.08%, and individual investors with 11.49%. Additionally, mutual funds hold 1.63% and foreign institutional investors hold 2.46%, with no pledged promoter holdings reported.

The top shareholders of HUDCO are primarily dominated by the promoters, with the President of India, through the Secretary of the Ministry of Housing and Urban Affairs, holding the largest stake at 54.27%. Other significant shareholders include the Life Insurance Corporation of India, which holds 7.08%, and individual investors collectively owning 11.49%. Additionally, HUDCO has mutual funds holding 1.63% across 27 schemes and foreign institutional investors (FIIs) holding 2.46% through 93 different entities. There are no pledged promoter holdings reported.