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

• Market Cap: ₹458.23B
• Dividend Yield: 1.73%
• Average Volume (3M): 355.67K
• Price to Earnings (P/E): 16.2
• Beta (1Y): 1.98
• 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: 227,563
• 30 Day Avg. Volume: 355,670
• PEG Ratio: 0.54
• Price to Book (P/B): 2.30
• Price to Sales (P/S): 3.99
• P/FCF Ratio: -1.31
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: ₹254.00 ▲(7.26% Upside)

The overall stock score of 62 reflects strong technical momentum and reasonable valuation, offset by financial performance concerns due to high leverage and negative cash flows. The stock's positive price trends and bullish technical indicators are significant strengths, while financial stability and liquidity issues are key risks.

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 urban and rural housing, co-operative housing, community toilets, slum upgradation, staff housing, repairs and renewals, land acquisition, and building technology, as well as implementing agencies comprising state government bodies, co-operative societies, corporate borrowers, and joint sectors. It also provides financing for infrastructure projects in the sectors of water supply; sewerage; drainage; solid waste management; roads and transport; power generation, transmission, and distribution; telecom sector and industrial infrastructure; and social infrastructure component, such as National games village, stadiums, sports complexes, shooting ranges, parks and play grounds, health centers, government hospitals, working women hostels, schools and colleges, universities, State Vidhan Sabha Sadans, law chambers, police academies and stations, fire stations, courts/collectorates/office buildings, rehabilitation centers, auditoriums, convention halls, crematoriums, abattoirs, etc., as well as commercial infrastructure components, including office buildings, shopping centers, market complexes, theatres/multiplexes/auditorials, trade and business centers, hotels, etc. In addition, the company offers consultancy services, including URP services, environmental engineering, and government programs consultancy services; and disaster mitigation services. Further, it provides home loans for individuals. Housing and Urban Development Corporation Limited was incorporated in 1970 and is based in New Delhi, India.

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. shows strong revenue growth and efficient cost management. However, high leverage and negative cash flows pose significant financial risks, impacting overall financial stability and liquidity.

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	109.81B	103.46B	31.78B	70.78B	69.84B	72.63B
Gross Profit	37.15B	40.11B	31.75B	70.65B	69.74B	72.46B
EBITDA	25.36B	32.86B	78.50B	68.50B	69.35B	71.84B
Net Income	27.82B	27.09B	21.17B	17.01B	17.16B	15.79B
Balance Sheet
Total Assets	0.00	1.28T	934.22B	809.69B	788.94B	769.57B
Cash, Cash Equivalents and Short-Term Investments	0.00	645.40M	3.87B	143.20M	6.45B	14.28B
Total Debt	0.00	1.07T	739.96B	629.03B	614.99B	609.56B
Total Liabilities	-179.68B	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: 236.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 236.8 is above the 20-day moving average (MA) of 229.94, above the 50-day MA of 223.37, and above the 200-day MA of 214.83, indicating a bullish trend. The MACD of 2.64 indicates Negative momentum. The RSI at 59.80 is Neutral, neither overbought nor oversold. The STOCH value of 85.24 is Negative, 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	―	₹986.93B	5.73	―	4.03%	18.51%	16.04%
PFC	―	₹1.31T	5.38	―	4.03%	14.06%	17.29%
IRFC	―	₹1.62T	23.65	―	1.50%	-0.41%	4.98%
Sector *	―	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
HUDCO	―	₹458.23B	16.16	―	1.73%	32.45%	24.80%
LTF	―	₹668.82B	24.64	―	1.03%	15.90%	4.53%

Housing & Urban Development Corp. Ltd. Corporate Events

HUDCO Signs MoUs to Boost Maritime Infrastructure Financing

During India Maritime Week 2025, HUDCO signed non-binding Memorandums of Understanding (MoUs) with Sagarmala Finance Corporation Limited and Syama Prasad Mookerjee Port, Kolkata. These agreements aim to explore joint financing opportunities in maritime infrastructure projects, including ports, inland water transport, and renewable energy initiatives, with an estimated project cost of Rs. 80,000 Crore. Additionally, HUDCO will provide up to Rs. 3000 Crore for projects related to the development and modernization of port infrastructure, enhancing its role in maritime sector financing.

HUDCO Signs MoU with JNPA for Port Infrastructure Development

Housing & Urban Development Corporation Limited (HUDCO) has signed a Memorandum of Understanding (MoU) with Jawaharlal Nehru Port Authority (JNPA) to explore collaboration in infrastructure development, financing, and refinancing of port infrastructure at JN Port. This agreement aims to establish cooperation between the parties for potential project financing related to port development and allied infrastructure, with an estimated investment of Rs. 5,000 crore. The MoU serves as a non-binding framework for future collaboration, indicating a strategic move by HUDCO to expand its operations into port infrastructure, potentially impacting its market positioning and offering new opportunities for stakeholders.

HUDCO Signs MoU with JNPA for Port Infrastructure Development

Housing and Urban Development Corporation Limited (HUDCO) has signed a Memorandum of Understanding (MoU) with Jawaharlal Nehru Port Authority (JNPA) to explore collaboration on infrastructure development and financing projects at the port, with an estimated value of Rs.5,000 Crore. This partnership aims to enhance HUDCO’s role in port infrastructure, potentially strengthening its market position and offering significant opportunities for stakeholders involved in the development of port facilities.

HUDCO’s Credit Rating Affirmed at ‘Baa3’ with Stable Outlook by Moody’s

Moody’s Ratings, Singapore has affirmed HUDCO’s credit rating at ‘Baa3’ with a stable outlook, aligning it with India’s sovereign rating. This affirmation reflects the high level of government support HUDCO enjoys, which helps mitigate asset risks and maintain profitability despite a declining capital ratio amid high loan growth. The stable outlook indicates confidence in HUDCO’s ability to manage risks associated with its operations, supported by state government guarantees on most loans and strong access to funding from banks and bond markets.

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.