Housing & Urban Development Corp. Ltd. (IN:HUDCO)
:HUDCO
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Housing & Urban Development Corp. Ltd.
(HUDCO)
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Rating:50Neutral
Price Target:
₹159.00
▼(-26.05% Downside)
Action:ReiteratedDate:04/01/26
The score is held back primarily by elevated leverage and negative operating/free cash flows, alongside a clearly bearish price trend. Strong revenue growth and a reasonable P/E with a 3.36% dividend yield provide some support, but do not fully offset the balance sheet and liquidity risks.
Positive Factors
Government ownership / policy support
Sovereign ownership provides durable credit credibility and policy alignment with public housing programmes, supporting stable access to government business and funding channels. Over months, this lowers counterparty risk with public borrowers and can facilitate preferential funding or implicit support in stress scenarios.
Negative Factors
Very high leverage
Debt/equity near 6x creates persistent refinancing and interest-rate sensitivity for a long-tenor lender. High leverage constrains financial flexibility, raises funding cost volatility risk, and increases the probability that adverse rate or credit moves materially strain capital ratios over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Government ownership / policy support
Sovereign ownership provides durable credit credibility and policy alignment with public housing programmes, supporting stable access to government business and funding channels. Over months, this lowers counterparty risk with public borrowers and can facilitate preferential funding or implicit support in stress scenarios.
Read all positive factors
Housing & Urban Development Corp. Ltd. (HUDCO) vs. iShares MSCI India ETF (INDA)
Market Cap
₹364.85B
Dividend Yield2.92%
Average Volume (3M)355.67K
Price to Earnings (P/E)16.0
Beta (1Y)1.64
Revenue Growth30.25%
EPS Growth13.67%
CountryIN
Employees621
SectorReal Estate
Sector Strength53
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.56
Shares Outstanding2,001,900,000
10 Day Avg. Volume227,563
30 Day Avg. Volume355,670
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)2.30
Price to Sales (P/S)4.00
P/FCF Ratio-1.31
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)19.57
Revenue Forecast (FY)₹59.20B
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
65
Positive
Balance Sheet
50
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 116.38B | 103.44B | 79.36B | 70.81B | 69.95B | 72.75B |
| Gross Profit | 38.94B | 35.98B | 29.76B | 25.77B | 24.63B | 25.11B |
| EBITDA | 37.76B | 36.47B | 28.53B | 23.01B | 23.54B | 22.36B |
| Net Income | 28.03B | 27.09B | 21.17B | 17.01B | 17.16B | 15.79B |
Balance Sheet | ||||||
| Total Assets | 1.49T | 1.28T | 934.22B | 809.69B | 788.94B | 769.57B |
| Cash, Cash Equivalents and Short-Term Investments | 1.57B | 645.40M | 3.87B | 143.20M | 6.45B | 14.28B |
| Total Debt | 1.27T | 1.07T | 739.96B | 629.03B | 614.99B | 609.56B |
| Total Liabilities | 1.31T | 1.11T | 768.10B | 655.26B | 644.27B | 637.68B |
| Stockholders Equity | 180.35B | 179.68B | 166.13B | 154.44B | 144.67B | 131.89B |
Cash Flow | ||||||
| Free Cash Flow | -187.74B | -316.24B | -102.91B | -8.53B | -8.12B | 21.50B |
| Operating Cash Flow | -187.68B | -316.03B | -102.87B | -8.51B | -8.06B | 21.61B |
| Investing Cash Flow | -3.65B | -9.39B | 4.35B | -3.52B | -9.30M | -144.10M |
| Financing Cash Flow | 191.34B | 322.15B | 101.74B | 6.91B | 807.30M | -10.83B |
Housing & Urban Development Corp. Ltd. Technical Analysis
Neutral
215.00
Price Trends
183.65
Negative
202.04
Negative
210.62
Negative
Market Momentum
-4.73
Negative
47.17
Neutral
52.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HUDCO, the sentiment is Neutral. The current price of 215 is above the 20-day moving average (MA) of 171.21, above the 50-day MA of 183.65, and above the 200-day MA of 210.62, indicating a neutral trend. The MACD of -4.73 indicates Negative momentum. The RSI at 47.17 is Neutral, neither overbought nor oversold. The STOCH value of 52.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹902.41B | 5.80 | ― | 5.56% | 18.51% | 16.04% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | ₹1.38T | 4.66 | ― | 4.62% | 13.05% | 16.78% | |
62 Neutral | ₹690.08B | 26.76 | ― | 0.91% | 15.90% | 4.53% | |
53 Neutral | ₹1.29T | 22.58 | ― | 1.52% | -0.41% | 4.98% | |
50 Neutral | ₹364.85B | 16.02 | ― | 2.92% | 30.25% | 13.67% |
* Real Estate Sector Average
IN:HUDCO
Housing & Urban Development Corp. Ltd.
182.25
-24.73
-11.95%
IN:IRFC
Indian Railway Finance Corp. Ltd.
98.99
-21.70
-17.98%
IN:LTF
L&T Finance Ltd
275.55
124.52
82.45%
IN:PFC
Power Finance Corporation Limited
417.15
39.16
10.36%
IN:RECLTD
REC Limited
342.70
-26.79
-7.25%
Housing & Urban Development Corp. Ltd. Corporate Events
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...
HUDCO Secures ACUITE AAA Rating for Rs 4,500 Crore Perpetual Tier 1 Bonds
Feb 8, 2026
Housing and Urban Development Corporation Limited has received an ‘ACUITE AAA’ long-term rating with a Stable outlook from Acuite Ratings for its proposed Rs. 4,500 crore Perpetual Additional Tier 1 bonds. The rating underscores HUDCO&...
HUDCO Publishes Unaudited Q3 and Nine-Month FY26 Financial Results in Newspapers
Jan 30, 2026
Housing Urban Development Corporation Limited has announced that it has published in newspapers its unaudited standalone and consolidated financial results for the quarter and nine-month period ended 31 December 2025, in line with disclosure requ...
HUDCO Reports No Re‑lodgement Requests for Physical Share Transfers in SEBI-Mandated Window
Jan 14, 2026
Housing Urban Development Corporation Limited has disclosed that, in line with a Securities and Exchange Board of India (SEBI) circular, it has received a report from its registrar and transfer agent, Beetal Financial Computer Services Pvt. Ltd....
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.