Housing & Urban Development Corp. Ltd. (HUDCO) AI Stock Analysis

• Market Cap: ₹433.11B
• Dividend Yield: 2.45%
• Average Volume (3M): 282.25K
• Price to Earnings (P/E): 15.6
• Beta (1Y): 1.75
• Revenue Growth: 32.45%
• EPS Growth: 24.80%
• Country: IN
• Employees: 621
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Credit Services
• EPS (TTM): 3.15
• Shares Outstanding: 2,001,900,000
• 10 Day Avg. Volume: 221,812
• 30 Day Avg. Volume: 282,250
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹228.00
• Price Target Upside: 5.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: ₹228.00 ▲(5.38% Upside)

The overall stock score is driven by a balanced valuation and neutral technical indicators. However, financial performance is a concern due to high leverage and negative cash flows, which weigh down the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates a positive trajectory and suggests that the company is effectively expanding its market presence and capitalizing on demand for its services.

Efficient Cost Management

Efficient cost management enhances profitability by ensuring that the company can maintain high margins, which is crucial for sustaining long-term financial health.

Government Partnerships

Strong government partnerships provide a stable pipeline of projects and funding opportunities, supporting HUDCO's role in urban development and housing finance.

Negative Factors

High Leverage

High leverage can increase financial risk, as it may limit the company's ability to respond to economic downturns and increase the cost of capital.

Negative Cash Flows

Negative cash flows can strain liquidity and hinder the company's ability to invest in growth opportunities or service its debt, impacting long-term sustainability.

Decreasing Net Profit Margin

A decreasing net profit margin may indicate rising costs or pricing pressures, which could affect profitability and the company's ability to generate shareholder value over time.

Housing & Urban Development Corp. Ltd. Business Overview & Revenue Model

Company Description

Housing & Urban Development Corp. Ltd. (HUDCO) is a public sector enterprise in India, established to promote and finance housing and urban development activities across the country. The company primarily focuses on providing long-term finance for housing projects, urban infrastructure development, and various related services. HUDCO plays a crucial role in facilitating affordable housing and sustainable urbanization by supporting government initiatives and working with various stakeholders in the real estate and urban planning sectors.

How the Company Makes Money

HUDCO generates revenue primarily through the provision of loans and financial assistance for housing and urban development projects. Its key revenue streams include interest income from loans provided to developers, municipalities, and government agencies for housing and infrastructure projects. Additionally, HUDCO earns income from fees associated with project appraisal and consultancy services. The company benefits from partnerships with state and central government bodies, leveraging these relationships to secure funding and foster collaboration on urban development initiatives. Moreover, HUDCO's involvement in various government schemes and programs aimed at affordable housing further contributes to its earnings by ensuring a steady flow of projects and associated financing.

Housing & Urban Development Corp. Ltd. Financial Statement Overview

Summary

Housing & Urban Development Corp. Ltd. demonstrates strong revenue growth and efficient cost management, but faces challenges with high leverage and negative cash flows. While profitability metrics are decent, the financial stability and liquidity need careful monitoring due to high debt levels and negative cash flows.

Income Statement

The company has shown strong revenue growth of 30.49% in the latest year, indicating a positive trajectory. The gross profit margin is exceptionally high, suggesting efficient cost management. However, the net profit margin has slightly decreased compared to previous years, and EBIT and EBITDA margins are not available, which limits a full profitability assessment.

Balance Sheet

The debt-to-equity ratio is quite high at 5.97, indicating significant leverage, which could pose financial risks. Return on equity is moderate at 15.08%, showing decent profitability relative to equity. The equity ratio is not provided, limiting the assessment of financial stability.

Cash Flow

The company has negative operating and free cash flows, which is concerning. The free cash flow to net income ratio is slightly above 1, indicating that free cash flow is aligned with net income. However, the negative cash flow growth and operating cash flow coverage ratio suggest potential liquidity issues.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	85.83B	103.46B	31.78B	70.78B	69.84B	72.63B
Gross Profit	35.90B	35.98B	31.75B	70.65B	69.74B	72.46B
EBITDA	23.56B	32.86B	78.50B	68.50B	69.35B	71.84B
Net Income	27.09B	27.09B	21.17B	17.01B	17.16B	15.79B
Balance Sheet
Total Assets	1.28T	1.28T	934.22B	809.69B	788.94B	769.57B
Cash, Cash Equivalents and Short-Term Investments	645.40M	645.40M	3.87B	478.30M	5.60B	12.86B
Total Debt	1.07T	1.07T	739.96B	629.03B	614.99B	609.56B
Total Liabilities	1.11T	1.11T	768.10B	655.26B	644.27B	637.68B
Stockholders Equity	179.68B	179.68B	166.13B	154.44B	144.67B	131.89B
Cash Flow
Free Cash Flow	0.00	-316.24B	-102.91B	-8.53B	-8.12B	21.50B
Operating Cash Flow	0.00	-316.03B	-102.87B	-8.51B	-8.06B	21.61B
Investing Cash Flow	0.00	-9.39B	4.35B	-3.52B	-9.30M	-144.10M
Financing Cash Flow	0.00	322.15B	101.74B	6.91B	807.30M	-10.83B

Housing & Urban Development Corp. Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 216.35
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HUDCO, the sentiment is Positive. The current price of 216.35 is above the 20-day moving average (MA) of 212.19, above the 50-day MA of 216.02, and above the 200-day MA of 215.23, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 55.03 is Neutral, neither overbought nor oversold. The STOCH value of 67.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:HUDCO.

Housing & Urban Development Corp. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RECLTD	69 Neutral	₹983.25B	5.83		5.10%	20.32%	15.42%
PFC	68 Neutral	₹1.31T	5.37		4.10%	14.06%	17.29%
IRFC	65 Neutral	₹1.65T	24.72		1.82%	2.06%	3.45%
Sector *	63 Neutral	$7.11B	13.20	-0.32%	6.85%	4.02%	-23.53%
HUDCO	60 Neutral	₹433.11B	15.57		2.45%	32.45%	24.80%
LTF	―	₹587.34B	22.04		1.17%	―	―

Housing & Urban Development Corp. Ltd. Corporate Events

HUDCO Completes Dispatch of AGM Notice and Annual Report

Housing & Urban Development Corporation Limited (HUDCO) has announced the completion of the dispatch of its Notice of the 55th Annual General Meeting (AGM) and the Annual Report for the financial year 2024-25. This announcement was made in compliance with relevant sections of the Companies Act, 2013, and SEBI regulations, and was published in ‘Financial Express’ and ‘Jansatta’ newspapers. The dispatch of these documents is a routine but significant step in maintaining transparency and communication with shareholders, ensuring they are informed about the company’s operations and financial health.

HUDCO Announces Financial Results and Interim Dividend

Housing & Urban Development Corporation Limited announced the approval of its unaudited financial results for the quarter ending June 30, 2025, and declared a first interim dividend of Rs. 1.15 per equity share for the financial year 2025-26, with the record date set for August 14, 2025. Additionally, the board recommended the appointment of M/s VAP & Associates as the Secretarial Auditor for a five-year term, pending shareholder approval. These decisions reflect HUDCO’s ongoing commitment to financial transparency and corporate governance, potentially impacting shareholder value and reinforcing its position in the housing finance sector.