Housing &Urban Development Corporation Ltd.
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.
Valuation
Profitability
Returns
Solvency
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.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ10.35 K Cr | β | βΉ2.71 K Cr | β | β | β | 32.1% | 28.0% |
| Mar 2024 | βΉ7.83 K Cr | β | βΉ2.12 K Cr | β | β | β | 10.5% | 24.4% |
| Mar 2023 | βΉ7.08 K Cr | β | βΉ1.70 K Cr | β | β | β | 1.4% | -0.9% |
| Mar 2022 | βΉ6.99 K Cr | β | βΉ1.72 K Cr | β | β | β | -3.9% | 8.7% |
| Mar 2021 | βΉ7.27 K Cr | β | βΉ1.58 K Cr | β | β | β | -4.0% | -7.6% |
| Mar 2020 | βΉ7.57 K Cr | β | βΉ1.71 K Cr | β | β | β | 35.5% | 44.7% |
| Mar 2019 | βΉ5.58 K Cr | β | βΉ1.18 K Cr | β | β | β | 32.1% | 16.8% |
| Mar 2018 | βΉ4.23 K Cr | β | βΉ1.01 K Cr | β | β | β | 19.6% | 20.0% |
| Mar 2017 | βΉ3.54 K Cr | β | βΉ842.00 Cr | β | β | β | 8.1% | 7.4% |
| Mar 2016 | βΉ3.27 K Cr | β | βΉ784.00 Cr | β | β | β | -3.3% | 2.1% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 11,762 |
| Finance Costs | 7,745 |
| Total Expenses | 301 |
| Financing Profit | 3,716 |
| Financing Margin % | 32% |
| Other Income | 60 |
| Depreciation & Amortisation | 12 |
| Profit Before Tax | 3,764 |
| Tax % | - |
| Net Profit / PAT | 2,803 |
| EPS (βΉ) | 14.01 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Housing &Urban Development Corporation Ltd.this co. | βΉ43.06 K Cr | βΉ10.35 K Cr | 15.40 | 2.39 | 0.00 | 32.1% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |