Housing & Urban Development Corp. Ltd. (IN:HUDCO)
:HUDCO
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Housing & Urban Development Corp. Ltd.
(HUDCO)
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Rating:64Neutral
Price Target:
₹221.00
▲(2.79% Upside)
Action:Reiterated
Date:05/16/26
The score is driven by attractive valuation (low P/E with a moderate dividend) and solid reported profitability, but it is held back by high and rising leverage and historically volatile/negative operating cash flows. Technical signals are neutral to mixed, adding limited support.
Positive Factors
Strong Profitability
Consistently high operating and net margins over multiple years indicate durable earnings power for a credit lender. Strong margin conversion supports internal capital generation, improves return on equity, and provides buffer to absorb credit costs, underpinning sustainable core profitability.
Negative Factors
High and Rising Leverage
Very high and increasing leverage constrains financial flexibility and raises vulnerability to interest-rate or funding shocks. Elevated debt levels increase interest burden and reduce capacity for capital-intensive growth or loss absorption, making balance-sheet risk a persistent constraint.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Consistently high operating and net margins over multiple years indicate durable earnings power for a credit lender. Strong margin conversion supports internal capital generation, improves return on equity, and provides buffer to absorb credit costs, underpinning sustainable core profitability.
Read all positive factors
Housing & Urban Development Corp. Ltd. (HUDCO) vs. iShares MSCI India ETF (INDA)
Market Cap
₹411.29B
Dividend Yield2.92%
Average Volume (3M)355.67K
Price to Earnings (P/E)7.9
Beta (1Y)1.56
Revenue Growth19.73%
EPS Growth48.94%
CountryIN
Employees621
SectorReal Estate
Sector Strength53
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)14.01
Shares Outstanding2,001,900,000
10 Day Avg. Volume227,563
30 Day Avg. Volume355,670
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)1.45
Price to Sales (P/S)2.58
P/FCF Ratio14.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)19.3
Revenue Forecast (FY)₹57.15B
Housing & Urban Development Corp. Ltd. Business Overview & Revenue Model
Company Description
Housing and Urban Development Corporation Limited provides long term finance for the construction of houses and to undertake housing and urban infrastructure development programs in India. The company offers loans for housing projects, such as urb...
How the Company Makes Money
HUDCO makes money primarily through interest income generated from lending and financing activities. Its core revenue model is to raise funds (through market borrowings and other funding sources) and deploy those funds as long-term loans to eligib...
Housing & Urban Development Corp. Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 116.38B | 123.91B | 103.44B | 79.36B | 70.81B | 69.95B |
| Gross Profit | 38.94B | 34.31B | 35.98B | 29.76B | 25.77B | 24.63B |
| EBITDA | 37.76B | 32.34B | 36.47B | 28.53B | 23.01B | 23.54B |
| Net Income | 28.03B | 40.34B | 27.09B | 21.17B | 17.01B | 17.16B |
Balance Sheet | ||||||
| Total Assets | 1.49T | 1.67T | 1.28T | 934.22B | 809.69B | 788.94B |
| Cash, Cash Equivalents and Short-Term Investments | 1.57B | 2.26B | 645.40M | 3.87B | 143.20M | 6.45B |
| Total Debt | 1.27T | 1.42T | 1.07T | 739.96B | 629.03B | 614.99B |
| Total Liabilities | 1.31T | 1.45T | 1.11T | 768.10B | 655.26B | 644.27B |
| Stockholders Equity | 180.35B | 219.75B | 179.68B | 166.13B | 154.44B | 144.67B |
Cash Flow | ||||||
| Free Cash Flow | -187.74B | 21.42B | -316.24B | -102.91B | -8.53B | -8.12B |
| Operating Cash Flow | -187.68B | 21.63B | -316.03B | -102.87B | -8.51B | -8.06B |
| Investing Cash Flow | -3.65B | -369.60B | -9.39B | 4.35B | -3.52B | -9.30M |
| Financing Cash Flow | 191.34B | 347.93B | 322.15B | 101.74B | 6.91B | 807.30M |
Housing & Urban Development Corp. Ltd. Technical Analysis
Negative
215.00
Price Trends
192.00
Positive
197.63
Positive
208.33
Negative
Market Momentum
4.75
Positive
44.59
Neutral
9.16
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HUDCO, the sentiment is Negative. The current price of 215 is below the 20-day moving average (MA) of 215.37, above the 50-day MA of 192.00, and above the 200-day MA of 208.33, indicating a neutral trend. The MACD of 4.75 indicates Positive momentum. The RSI at 44.59 is Neutral, neither overbought nor oversold. The STOCH value of 9.16 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:HUDCO.
Housing & Urban Development Corp. Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₹1.42T | 4.84 | ― | 4.62% | 5.79% | 12.66% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
64 Neutral | ₹411.29B | 7.92 | ― | 2.92% | 19.73% | 48.94% | |
62 Neutral | ₹876.60B | 6.35 | ― | 5.56% | 5.53% | 2.67% | |
61 Neutral | ₹690.50B | 18.65 | ― | 0.91% | 10.78% | 12.42% | |
53 Neutral | ₹1.27T | 16.27 | ― | 1.52% | 0.67% | 7.82% |
* Real Estate Sector Average
IN:HUDCO
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Housing & Urban Development Corp. Ltd. Corporate Events
HUDCO and NBCC Sign MoUs for New Delhi Redevelopment and Asset Monetization
Apr 11, 2026
Housing Urban Development Corporation Ltd. has signed two memorandums of understanding with NBCC (India) Ltd. to jointly pursue redevelopment and asset monetization projects. The collaboration covers the redevelopment of a roughly 18,830-square-m...
HUDCO Opens One-Year Special Window for Transfer and Demat of Physical Shares
Feb 28, 2026
Housing Urban Development Corporation Limited has notified stock exchanges that it has published a newspaper announcement about opening a special window to process transfer and dematerialisation requests for physical securities. The special windo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.