HUDCO

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

As of 31-Jul, the stock price of Housing & Urban Development Corporation Ltd. is declining, currently at 195.10, reflecting a bearish trend with significant underperformance against its sector and the benchmark Sensex. Despite strong long-term fundamentals, recent price movements and reduced investor participation indicate negative sentiment.

As of 31-Jul, the stock price of Housing & Urban Development Corporation Ltd. is falling, currently at 195.10, which reflects a decrease of 2.25 (-1.14%). This decline is evident in the stock's performance today, where it has underperformed its sector by 1.29%. Additionally, the stock has experienced a trend reversal, having fallen after two consecutive days of gains.<BR><BR>The stock is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. Furthermore, there has been a significant drop in investor participation, with delivery volume on 30 July falling by 57.66% compared to the 5-day average. <BR><BR>In terms of broader performance, the stock has underperformed against the benchmark Sensex over multiple periods, including a 1-week decline of 0.33% compared to a 2.68% increase in the Sensex, and a year-to-date drop of 14.50% against an 8.36% decline in the Sensex. Despite strong long-term fundamentals, such as a 35.05% growth in net profit and positive results in the last two quarters, the recent price movements and declining investor interest suggest a negative sentiment surrounding the stock at this time.

Which are the latest news on HUDCO?

Has Housing & Urban Development Corporation Ltd. declared dividend?

Housing & Urban Development Corporation Ltd. has declared a 12% dividend, with an ex-date of July 31, 2026. While recent total returns over shorter periods have been negative, longer-term returns indicate significant growth potential.

Housing & Urban Development Corporation Ltd. has declared a 12% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Ex-date: 31 Jul 26<BR><BR>Dividend Yield: 2.77%.<BR><BR>Total Returns by Period:<BR>In the last 3 months, the price return was -10.46%, the dividend return was 0.54%, resulting in a total return of -9.92%.<BR><BR>Over the past 6 months, the price return was -4.24%, the dividend return was 1.83%, leading to a total return of -2.41%.<BR><BR>For the 1-year period, the price return was -9.78%, the dividend return was 3.02%, culminating in a total return of -6.76%.<BR><BR>In the 2-year timeframe, the price return was -38.46%, the dividend return was 4.22%, resulting in a total return of -34.24%.<BR><BR>Over the last 3 years, the price return was 208.15%, the dividend return was 24.72%, leading to a total return of 232.87%.<BR><BR>In the 4-year period, the price return was 431.74%, the dividend return was 52.34%, resulting in a total return of 484.08%.<BR><BR>For the 5-year span, the price return was 329.85%, the dividend return was 55.54%, leading to a total return of 385.39%.<BR><BR>Overall, while the company has declared a dividend, the total returns over shorter periods have been negative, indicating volatility. However, the longer-term returns show significant growth, suggesting a strong recovery and potential for future gains.

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

HUDCO's latest results show a strong year-on-year net profit increase of 35.05% and a 26.55% rise in interest income, but a significant 57.04% decline in net profit compared to the previous quarter raises concerns, alongside pressures from rising interest costs. Overall, while there are positive growth indicators, caution is advised due to the quarterly profit drop and funding challenges.

The latest results for Housing & Urban Development Corporation Ltd. (HUDCO) present a mixed picture. On one hand, the company reported a net profit of ₹851.11 crore for Q1 FY27, which is a significant increase of 35.05% year-on-year. This indicates strong underlying performance compared to the same quarter last year. Additionally, interest income rose to ₹3,717.17 crore, reflecting a 26.55% year-on-year growth, which is also a positive sign.<BR><BR>However, there are notable concerns as well. The net profit decreased by 57.04% compared to the previous quarter, primarily due to a one-time tax reversal benefit that inflated the Q4 FY26 results. Furthermore, while the net interest margin (NIM) improved sequentially, it still declined by 55 basis points year-on-year to 28.74%, indicating pressure from rising interest costs, which surged 29.56% year-on-year.<BR><BR>Overall, while HUDCO's year-on-year growth in profit and interest income is commendable, the significant quarter-on-quarter decline in profit and the challenges posed by rising funding costs suggest a cautious outlook. Investors may want to consider these factors when evaluating the company's performance.

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

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

The next results date for Housing & Urban Development Corporation Ltd. is 27 July 2026.

The next results date for Housing & Urban Development Corporation Ltd. is scheduled for 27 July 2026.

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.

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.