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 an 11% dividend, with an ex-date of February 6, 2026. The company has shown varying total returns across periods, with significant positive performance over the long term.

Housing & Urban Development Corporation Ltd. has declared an 11% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 11%<BR>- Ex-date: 06 Feb 26<BR><BR>Dividend Yield: 3%<BR><BR>Total Returns by Period:<BR>In the 3-month period, the price return was -20.03%, the dividend return was 0.89%, resulting in a total return of -19.14%.<BR><BR>For the 6-month period, the price return was -11.86%, the dividend return was 1.92%, leading to a total return of -9.94%.<BR><BR>Over the 1-year period, the price return was -11.42%, the dividend return was 2.54%, culminating in a total return of -8.88%.<BR><BR>In the 2-year period, the price return was 16.65%, the dividend return was 6.27%, resulting in a total return of 22.92%.<BR><BR>For the 3-year period, the price return was 313.04%, the dividend return was 33.78%, leading to a total return of 346.82%.<BR><BR>In the 4-year period, the price return was 372.04%, the dividend return was 53.94%, culminating in a total return of 425.98%.<BR><BR>Over the 5-year period, the price return was 347.78%, the dividend return was 43.01%, resulting in a total return of 390.79%.<BR><BR>Overall, the company has declared a significant dividend while experiencing varying total returns across different periods, with a notable positive performance in the longer-term returns.

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

As of 06-Feb, the stock price of Housing & Urban Development Corporation Ltd. is Rs 191.80, reflecting a decline of 1.44%. The stock has significantly underperformed the market, with a year-to-date drop of 15.95% compared to the Sensex's decrease of 1.92%, driven by high debt levels and unfavorable valuations.

As of 06-Feb, the stock price of Housing & Urban Development Corporation Ltd. is falling, currently at Rs 191.80, which reflects a decrease of Rs 2.8 or 1.44%. The stock has been underperforming, having lost 2.74% over the last two days and is trading lower than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages. <BR><BR>In terms of performance relative to the market, the stock has significantly underperformed the Sensex, which has gained 1.59% over the past week, while HUDCO's stock has only increased by 0.08%. Over the past month, HUDCO has seen a decline of 14.70%, contrasting sharply with the Sensex's minor drop of 1.74%. Year-to-date, the stock is down 15.95%, while the Sensex has decreased by only 1.92%. <BR><BR>Moreover, the company's recent financial results have been flat, with a high debt-equity ratio of 7.03 times and a low profit before tax (PBT) of Rs 714.12 crore. Although there has been an increase in institutional investor participation, which rose by 0.57% in the last quarter, the overall sentiment remains negative due to the stock's high valuation compared to its peers. The stock is trading at a premium with a price-to-book value of 2.1, and its return on equity (ROE) of 15.5% suggests it is considered very expensive. <BR><BR>In summary, the combination of poor recent performance, high debt levels, and unfavorable comparisons to market benchmarks contribute to the ongoing decline in the stock price of Housing & Urban Development Corporation Ltd.

Which are the latest news on HUDCO?