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.

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.

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.

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.

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

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

As of 19-May, the stock price of Housing & Urban Development Corporation Ltd. is experiencing a slight increase of 0.25% after two days of decline, but it has underperformed its sector by 0.4%. Despite a year-over-year profit increase of 48.9%, the stock has declined 14.00% over the past year, indicating weak performance and waning investor interest.

As of 19-May, the stock price of Housing & Urban Development Corporation Ltd. is rising slightly, with a change of 0.5 (0.25%) upward. This increase follows a trend reversal after two consecutive days of decline. Despite this recent uptick, the stock has underperformed its sector by 0.4% today, indicating that while there is a minor recovery, the overall performance remains weak relative to the sector.<BR><BR>Looking at the broader context, the stock has experienced a significant decline over the past year, with a decrease of 14.00%, which contrasts with a modest profit increase of 48.9%. This suggests that while the company is generating higher profits, the stock price has not reflected this growth adequately. Additionally, the stock's year-to-date performance shows a decline of 11.55%, which is slightly better than the Sensex's decline of 11.76%.<BR><BR>Investor participation has also been falling, with delivery volume dropping by 65.07% against the 5-day average, which may indicate waning interest among investors. However, the stock's strong long-term fundamentals, including a solid Return on Equity (ROE) of 13.81% and a fair valuation with a Price to Book Value of 1.8, provide some support for its price.<BR><BR>In summary, while the stock is currently experiencing a slight rise, it is important to note that this comes after a period of decline, and overall investor sentiment appears cautious, reflected in the declining trading volumes and underperformance against the sector.

Which are the latest news on HUDCO?