HUDCO

Who are in the management team of HUDCO?

As of March 2023, the HUDCO management team includes Kuldip Narayan (Chairman & Managing Director), D Guhan (Director of Finance & CFO), and several independent directors, along with government nominees. Key members also include Harish Kumar Sharma (Company Secretary) and M Nagaraj (Director of Corporate Planning).

As of March 2023, the management team of HUDCO includes the following individuals:<BR><BR>1. Harish Kumar Sharma - Company Secretary & Compliance Officer<BR>2. M Nagaraj - Director (Corporate Planning)<BR>3. D Guhan - Director (Finance) & CFO<BR>4. Ravindra Kumar Ray - Independent Director<BR>5. Sabitha Bojan - Independent Director<BR>6. Siyaram Singh - Independent Director<BR>7. Banshilal Gurjar - Independent Director<BR>8. Kuldip Narayan - Chairman & Managing Director<BR>9. Sanjeet - Nominee (Government)<BR>10. Satinder Pal Singh - Nominee (Government)<BR><BR>These members play various roles in the governance and management of the company.

What does HUDCO do?

HUDCO (Housing & Urban Development Corporation Ltd.) is a large-cap finance company established in 1970, focusing on housing and urban development. As of March 2025, it reported net sales of ₹2,845 Cr and a net profit of ₹728 Cr, with a market cap of ₹49,337 Cr.

Overview: <BR>Housing & Urban Development Corporation Ltd. (HUDCO) operates in the finance industry and is categorized as a large-cap company.<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 March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 2,845 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 728 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 49,337 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 18.00 <BR>Industry P/E: 13 <BR>Dividend Yield: 2.32% <BR>Debt Equity: 5.97 <BR>Return on Equity: 15.08% <BR>Price to Book: 2.70 <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

Who are the peers of the HUDCO?

HUDCO's peers include I R F C, Power Fin. Corpn., REC Ltd, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, Tour. Fin. Corp., and Spandana Sphoort, with varying management and growth risks. Tour. Fin. Corp. has the highest 1-year return at 53.91%, while HUDCO's return is -30.71%.

Peers: The peers of HUDCO are I R F C, Power Fin.Corpn., REC Ltd, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, Tour. Fin. Corp., Spandana Sphoort.<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, Indian Renewable, Muthoot Microfin, Spandana Sphoort, and the rest. Below Average management risk is noted at IFCI and Tour. Fin. Corp., while CreditAcc. Gram. has Good management risk. In terms of growth, Excellent growth is seen at Indian Renewable, Average growth is found at Power Fin.Corpn., I R F C, REC Ltd, Muthoot Microfin, and the rest, while Below Average growth is noted at HUDCO, IFCI, Tour. Fin. Corp., and Spandana Sphoort. For capital structure, Excellent capital structure is observed at HUDCO, CreditAcc. Gram., IFCI, Muthoot Microfin, Tour. Fin. Corp., and the rest, while Good capital structure is found at REC Ltd and Indian Renewable.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 53.91%, while the lowest is Indian Renewable at -41.23%. HUDCO's own 1-year return is -30.71%, which is better than Indian Renewable but worse than Tour. Fin. Corp. Additionally, the peers with negative six-month returns include Indian Renewable, Muthoot Microfin, and Spandana Sphoort.

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.

How big is HUDCO?

As of 24th July, Housing & Urban Development Corporation Ltd. has a market capitalization of 45,103.00 Cr, with recent net sales of 10,311.29 Cr and a net profit of 2,709.14 Cr. Shareholder's funds are 16,612.56 Cr, and total assets amount to 93,422.34 Cr.

As of 24th July, Housing & Urban Development Corporation Ltd. has a market capitalization of 45,103.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 10,311.29 Cr and a Net Profit of 2,709.14 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with Shareholder's Funds amounting to 16,612.56 Cr and Total Assets of 93,422.34 Cr.

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.

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.

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.

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

The next results date for Housing & Urban Development Corporation Ltd. is January 29, 2026.

The next results date for Housing & Urban Development Corporation Ltd. is scheduled for January 29, 2026.

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

Housing & Urban Development Corporation Ltd. (HUDCO) reported a net profit increase of 12.63% quarter-on-quarter, but its profit margin declined to 22.05% due to rising funding costs and a high debt-to-equity ratio of 7.03. While top-line growth is strong, the decline in margins and high leverage indicate potential financial risks, suggesting a cautious outlook for investors.

The latest results for Housing & Urban Development Corporation Ltd. (HUDCO) present a mixed picture. On one hand, the company reported a net profit of ₹709.83 crore for Q3 FY26, which is a 12.63% increase quarter-on-quarter and a 3.08% increase year-on-year. Additionally, interest income surged by 27.85% year-on-year to ₹3,219.03 crore, indicating strong growth in its loan book.<BR><BR>However, there are significant concerns regarding profitability. The profit after tax (PAT) margin has declined to 22.05% from 27.35% a year ago, reflecting pressure from rising funding costs in a challenging liquidity environment. This margin compression, combined with a high debt-to-equity ratio of 7.03 times, raises risks associated with the company's financial stability.<BR><BR>Overall, while HUDCO is experiencing robust top-line growth, the decline in margins and high leverage suggest that the results are not entirely positive. Investors should be cautious, as the company's ability to maintain profitability amidst these pressures will be crucial moving forward.

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

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.

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

As of 17-Mar, the stock price of Housing & Urban Development Corporation Ltd. (HUDCO) is slightly rising at Rs 172.55 after four days of decline, indicating a potential trend reversal. However, it has underperformed significantly over the year with a 24.39% decline, and faces challenges such as a high debt-equity ratio and expensive valuation compared to peers.

As of 17-Mar, the stock price of Housing & Urban Development Corporation Ltd. (HUDCO) is rising slightly, with a current price of Rs 172.55, reflecting a change of 0.3 (0.17%) upwards. This increase comes after a period of four consecutive days of decline, indicating a potential trend reversal. Additionally, the stock has outperformed its sector by 0.3% today, which may contribute to the positive sentiment among investors.<BR><BR>Despite the recent uptick, the stock has faced significant challenges over the longer term. It has underperformed the benchmark indices, with a year-to-date decline of 24.39%, compared to a 10.74% drop in the Sensex. The stock's performance over the past month shows a decline of 10.96%, which is more pronounced than the sector's decline of 8.84%. Furthermore, HUDCO is currently trading lower than its moving averages across various time frames, indicating a bearish trend.<BR><BR>Investor participation appears to be increasing, as evidenced by a rise in delivery volume by 9.87% against the five-day average, suggesting that more investors are willing to hold the stock despite its recent struggles. Institutional investors have also increased their stake by 0.57% in the previous quarter, which may lend some stability to the stock.<BR><BR>However, the company faces significant challenges, including a high debt-equity ratio of 7.03 times and a valuation that is considered expensive relative to its peers. The stock has generated negative returns of -8.29% over the past year, while the broader market has seen positive returns. These factors contribute to a mixed outlook for HUDCO, with short-term gains potentially overshadowed by longer-term performance issues.

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

As of 18-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising to Rs 178.65, driven by strong buying interest and increased investor participation, including a 0.57% rise in institutional stakes. Despite some concerns, the stock's solid long-term fundamentals support its upward trend.

As of 18-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising, currently at Rs 178.65, reflecting a change of 6.1 (3.54%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 1.16% today and has shown a consecutive gain over the last two days, with a total return of 3.72% during this period. Additionally, the stock reached an intraday high of Rs 180, indicating strong buying interest.<BR><BR>Investor participation has also increased, as evidenced by a rise in delivery volume, which was 17.92 lacs on 09 March, up by 0.38% against the 5-day average. Furthermore, institutional investors have increased their stake in the company by 0.57% over the previous quarter, now holding 13.43% of the company. This suggests growing confidence from institutional players, who typically have more resources to analyze company fundamentals.<BR><BR>Despite some negative factors, such as a high debt-equity ratio and underperformance over the past year compared to the broader market, the stock's strong long-term fundamental strength, indicated by an average Return on Equity (ROE) of 13.11%, supports its current price rise. Overall, the combination of recent positive performance, increased investor participation, and institutional interest contributes to the stock's upward movement.

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

As of 19-Mar, the stock price of Housing & Urban Development Corporation Ltd. is declining, currently at Rs 171.50, reflecting a 4.0% decrease. The stock has underperformed significantly year-to-date and is trading below its moving averages, indicating a bearish trend amidst negative sector sentiment and concerning financial metrics.

As of 19-Mar, the stock price of Housing & Urban Development Corporation Ltd. is falling, currently at Rs 171.50, which reflects a decrease of Rs 7.15 or 4.0%. This decline is evident in the stock's performance over various periods, including a 1-week drop of 3.00% and a 1-month decrease of 11.83%. Year-to-date, the stock has fallen significantly by 24.85%, compared to a smaller decline of 12.92% in the benchmark index.<BR><BR>Today's trading activity indicates that the stock is close to its 52-week low, just 2.27% away from Rs 167.6. The stock has underperformed its sector by 1.35% today and has experienced a trend reversal after two consecutive days of gains. It reached an intraday low of Rs 170.65, marking a decline of 4.48%. Additionally, the stock is trading below its moving averages across various timeframes, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend.<BR><BR>The overall sector, particularly finance and housing, has also seen a decline of 2.8%, contributing to the negative sentiment surrounding the stock. Despite some positive factors, such as increasing institutional investor participation and strong long-term fundamentals, the stock's high debt-equity ratio of 7.03 times and expensive valuation compared to peers have raised concerns. The company's return on equity (ROE) of 15.5 is overshadowed by its negative performance over the past year, where it has underperformed the broader market, generating a return of -14.72% against the market's 1.22% gain.<BR><BR>In summary, the combination of poor short-term performance, negative sector trends, and concerning financial metrics has led to the decline in the stock price of Housing & Urban Development Corporation Ltd.

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

As of 20-Mar, the stock price of Housing & Urban Development Corporation Ltd. is slightly rising at Rs 172.50, but it has significantly declined over various time frames, including a year-to-date drop of 24.41%. Despite a minor uptick today, the stock's overall performance remains weak, with concerns about its financial health due to high debt and expensive valuation metrics.

As of 20-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising slightly, currently at Rs 172.50, reflecting a change of 1.0 (0.58%) upward. However, despite this minor increase, the stock has shown a significant decline over various time frames. Over the past week, it has decreased by 0.17%, and in the past month, it has fallen by 11.74%. Year-to-date, the stock is down 24.41%, and over the last year, it has declined by 13.29%, significantly underperforming the broader market, which has seen a return of 0.76%.<BR><BR>The stock's performance today included an intraday high of Rs 176.9, indicating some volatility, but it remains close to its 52-week low, just 2.84% away from Rs 167.6. Additionally, the stock is trading below its moving averages across multiple time frames, which typically suggests a bearish trend. Investor participation has also decreased, with delivery volume falling by 27.91% compared to the 5-day average, indicating reduced interest from retail investors.<BR><BR>On a more positive note, there has been an increase in institutional investor participation, with a 0.57% rise in their stake over the previous quarter, suggesting some confidence in the company's long-term fundamentals. However, the company's high debt-equity ratio of 7.03 times and expensive valuation metrics, such as a Price to Book Value of 1.9, raise concerns about its financial health. Overall, while there is a slight uptick in the stock price today, the broader context indicates ongoing challenges and a trend of falling performance.

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

As of 23-Mar, the stock price of Housing & Urban Development Corporation Ltd. is declining, currently at 165.05, reflecting significant downward pressure and underperformance against the sector and market. Factors contributing to this include a new 52-week low, negative returns over various periods, reduced investor participation, and concerning financial metrics.

As of 23-Mar, the stock price of Housing & Urban Development Corporation Ltd. is falling, currently at 165.05, reflecting a change of -7.45 (-4.32%). This decline is evidenced by several factors. The stock has recently hit a new 52-week low of Rs. 164.15, indicating significant downward pressure. Performance metrics show that the stock has underperformed the sector by -0.82% today and has a day’s low of Rs. 164.15, which represents a decline of -4.84%.<BR><BR>In terms of broader performance, the stock has exhibited negative returns over various periods, including a -14.99% drop over the past month and a -27.67% decline year-to-date. Comparatively, the benchmark Sensex has also fallen, but to a lesser extent, with a -12.72% drop over the same month and -14.70% year-to-date. This underperformance against the market suggests a lack of investor confidence.<BR><BR>Additionally, the stock is trading below its moving averages across multiple timeframes, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend. There is also a notable decrease in investor participation, with delivery volume falling by -24.84% against the 5-day average, indicating reduced interest from retail investors.<BR><BR>Financially, the company faces challenges, including a high debt-equity ratio of 7.03 times and a relatively expensive valuation with a Price to Book Value of 1.8, which is above the average historical valuations of its peers. Although there has been an increase in institutional investor participation, the overall sentiment remains negative due to flat results and a significant drop in profit before tax.<BR><BR>In summary, the combination of hitting a new low, underperformance relative to the sector and market, declining investor participation, and concerning financial metrics contribute to the falling stock price of Housing & Urban Development Corporation Ltd.

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

As of 24-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising, currently at Rs 169.20, reflecting positive trading activity and increased institutional interest. However, it has declined significantly over the past year and is trading below its moving averages, indicating ongoing challenges.

As of 24-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising, currently at Rs 169.20, reflecting an increase of Rs 4.15 or 2.51%. This upward movement is supported by several factors. Today, the stock opened with a gain of 2.79% and reached an intraday high of Rs 169.8, indicating positive trading momentum. Additionally, the stock has outperformed its sector by 0.3%, suggesting relative strength compared to its peers.<BR><BR>Despite this positive performance today, it is important to note that the stock has faced significant challenges over the longer term. Year-to-date, it has declined by 25.85%, and over the past year, it has fallen by 18.98%. The stock is also trading below all its moving averages, which typically indicates a bearish trend. Furthermore, there has been a notable decrease in investor participation, with delivery volume falling by 17.14% against the five-day average.<BR><BR>On the positive side, there is increasing participation from institutional investors, who have raised their stake by 0.57% in the last quarter, now holding 13.43% of the company. This suggests a level of confidence from more sophisticated investors, which can contribute to upward price movements. The company also has strong long-term fundamentals, with an average Return on Equity (ROE) of 13.11%.<BR><BR>In summary, while the stock is currently rising due to positive trading activity and institutional interest, it has faced significant declines over the past year and is trading below its moving averages, indicating ongoing challenges.

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

As of 25-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising to Rs 177.10, up 4.67%, driven by strong buying interest and increased institutional investor participation. Despite a year-to-date decline of 22.39%, recent gains and confidence in the company's fundamentals suggest a potential turnaround.

As of 25-Mar, the stock price of Housing & Urban Development Corporation Ltd. is rising, currently at Rs 177.10, reflecting an increase of Rs 7.9 or 4.67%. This upward movement can be attributed to several factors. Notably, the stock has outperformed its sector by 1.87% today and has experienced consecutive gains over the last two days, accumulating a total return of 7.3% during this period. Additionally, the stock reached an intraday high of Rs 179.8, indicating strong buying interest.<BR><BR>The company is also witnessing increased participation from institutional investors, who have raised their stake by 0.57% in the previous quarter, now holding 13.43% of the company. This suggests a growing confidence among more sophisticated investors regarding the company's long-term fundamentals, which are supported by a solid average Return on Equity (ROE) of 13.11%.<BR><BR>Despite these positive indicators, it is important to note that the stock has faced challenges in the longer term, with a year-to-date decline of 22.39% and a one-year return of -13.16%. However, the recent performance and institutional interest may signal a potential turnaround, contributing to the current rise in stock price.

Which are the latest news on HUDCO?