Housing &Urban Development Corporation Ltd.
₹142.80-₹4.80 (-3.3%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹43,063 Cr
- P/E
- 15.4x
- Revenue
- ₹10,345 Cr
- ROCE
- 17.2%
Price chart
Technical chartScreen technicals →-40.4% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -14.3%
- 3M
- -27.6%
- 6M
- -35.4%
- 1Y
- -40.4%
- 5Y
- +229.8%
52-week range
Day change -₹4.80 (-3.3%) from ₹148 to ₹143 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in HUDCO, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Healthy return on equity of 15.1%
Concerns1
- Slow revenue growth of 0.7% CAGR over 5 years
Rule-based from financial data. Not advice.
About the company
Housing and Urban Development Corporation Limited provides loans and financing for housing and urban development projects in India.
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Housing and Urban Development Corporation Limited provides loans and financing for housing and urban development projects in India. The company offers term loans for state government agencies and their parastatals, such as development authorities, housing boards, urban local bodies, water supply, sewerage boards, and roads and bridges development corporations, as well as implementing agencies comprising state government bodies, co-operative societies, corporate borrowers, joint sectors, and retail. It also provides financing for infrastructure projects in the sectors of water supply; sewerage; drainage; solid waste management; roads and transport; power generation, transmission, distribution, and renovation; emerging sector; smart city; and social infrastructure projects, as well as commercial infrastructure projects, including office buildings spaces, business/trade centres, shopping malls, market complexes, theatres/multiplexes/entertainment centres, hotels, guest houses, terminal markets, multilevel parking, tourist centres, etc. In addition, the company offers research and training services, such as training capacity; research facilitation; partnership and networking; and documentation, dissemination, and publication. The company was incorporated in 1970 and is headquartered in New Delhi, India.
- Sector
- Financial Services
- Shares outstanding
- 200 Cr shares
- ISIN
- INE031A01017
- BSE code
- 540530
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹43,063 Cr
- P/E
- 15.4x
- P/B
- 2.4x
- Earnings yield
- 6.5%
- 52-week high
- ₹244.00
- 52-week low
- ₹142.80
Profitability
- ROE
- 15.1%
- ROCE
- 17.2%
- Dividend payout
- 39.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 4.2%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹10,345 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 32.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 0.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹119 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 2875.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 28.0%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 4.4%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹10,287 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 1110.2%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹326 Cr
Solvency and efficiency
- CFO / Net profit
- -4.86
Where the revenue went
Some FY2025 lines are not reported, so the ones that are appear as a table.
| Line | FY2025 |
|---|---|
| Revenue | ₹10,345 Cr |
| Interest paid | ₹6,747 Cr |
| Expenses | -₹46 Cr |
| Financing profit | ₹3,644 Cr |
| Other income | ₹4 Cr |
| Depreciation | ₹11 Cr |
| Profit before tax | ₹3,637 Cr |
| Tax and other | ₹928 Cr |
| Net profit | ₹2,709 Cr |
Revenue and net profit
Revenue grew 32.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹7,267 Cr | ₹1,579 Cr |
| FY2022 | ₹6,986 Cr | ₹1,717 Cr |
| FY2023 | ₹7,082 Cr | ₹1,702 Cr |
| FY2024 | ₹7,829 Cr | ₹2,117 Cr |
| FY2025 | ₹10,345 Cr | ₹2,709 Cr |
Cash flows
FY2025: -₹31,603 Cr from operations, -₹32,542 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹2,161 Cr | ₹2,147 Cr |
| FY2022 | -₹806 Cr | -₹807 Cr |
| FY2023 | -₹850 Cr | -₹1,203 Cr |
| FY2024 | -₹10,287 Cr | -₹9,852 Cr |
| FY2025 | -₹31,603 Cr | -₹32,542 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹10,345 Cr+32.1%1Y
- Net profit
- ₹2,709 Cr+28.0%1Y
- Cash from operations
- -₹31,603 Cr
- Free cash flow
- -₹32,542 Cr
- Revenue CAGR, 5Y
- 0.7%
- EBITDA CAGR, 5Y
- 97.1%
- Net profit CAGR, 5Y
- 4.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹10,345 Cr | ₹3,644 Cr | — | ₹2,709 Cr | -₹31,603 Cr | -₹32,542 Cr | — | +32.1% | +28.0% |
Monthly returns
Month-by-month returns of HUDCO across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.3 L Cr |
| Equity capital | ₹2,002 Cr |
| Reserves | ₹15,968 Cr |
| Borrowings | ₹1.1 L Cr |
| Other liabilities | ₹3,231 Cr |
| Assets | ₹1.3 L Cr |
| Fixed assets | ₹88 Cr |
| Capital work in progress | ₹16 Cr |
| Investments | ₹1,320 Cr |
| Other assets | ₹1.3 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
HUDCO trades at 15.4x earnings against a peer median of 26.9x (a 43% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Housing &Urban Development Corporation Ltd.HUDCOthis companyP/E ↓ discount | ₹43,063 Cr | 15.4x | 2.4x | 15.1% | — |
| Mahindra & Mahindra Financial Services LimitedM&MFIN | ₹50,385 Cr | 19.7x | 2.2x | — | — |
| Motilal Oswal Financial Services LimitedMOTILALOFS | ₹50,300 Cr | 49.9x | 6.2x | 19.5% | 23.2x |
| Bank of maharashtraMAHABANK | ₹49,987 Cr | 7.7x | 1.5x | 19.4% | — |
| 360 ONE WAM LIMITED360ONE | ₹46,063 Cr | 156.0x | 6.3x | 6.1% | 55.9x |
| Piramal Finance LimitedPIRAMALFIN | ₹41,863 Cr | 70.8x | 1.5x | 2.1% | 310.5x |
| Indian Renewable Energy Development Agency LimitedIREDA | ₹39,326 Cr | 20.9x | 3.0x | 16.5% | — |
| POONAWALLA FINCORP LIMITEDPOONAWALLA | ₹37,462 Cr | 172.0x | 3.8x | -1.2% | — |
| UCO BankUCOBANK | ₹36,264 Cr | 14.4x | 1.1x | 7.9% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
HUDCO since 1 January, against earlier years.
Historical volatility
HUDCO's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 31.0% |
| FY2022 | 34.0% |
| FY2023 | 32.0% |
| FY2024 | 35.0% |
| FY2025 | 35.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹10,345 Cr |
| Costs | |
| Interest | ₹6,747 Cr |
| Expenses | -₹46 Cr |
| Financing profitFinancing Profit | ₹3,644 Cr |
| Financing marginFinancing Margin % | 35.0% |
| Other income and charges | |
| Profit before tax | ₹3,637 Cr |
| Tax | |
| Net profitNet Profit | ₹2,709 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.3 L Cr |
| Equity capitalEquity Capital | ₹2,002 Cr |
| Reserves | ₹15,968 Cr |
| BorrowingsBorrowing | ₹1.1 L Cr |
| Other liabilitiesOther Liabilities | ₹3,231 Cr |
| AssetsTotal Assets | ₹1.3 L Cr |
| Fixed assetsFixed Assets | ₹88 Cr |
| Capital work in progressCWIP | ₹16 Cr |
| Investments | ₹1,320 Cr |
| Other assetsOther Assets | ₹1.3 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹31,603 Cr |
| Investing cash flowCash from Investing Activity | -₹939 Cr |
| Financing cash flowCash from Financing Activity | ₹32,215 Cr |
| Change in cashNet Cash Flow | -₹326 Cr |
Learn while you research
Academy chapters picked for Housing &Urban Development Corporation Ltd. and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing32% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read