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

• Market Cap: ₹423.40B
• Dividend Yield: 2.98%
• Average Volume (3M): 355.67K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 1.84
• Revenue Growth: 30.25%
• EPS Growth: 13.67%
• Country: IN
• Employees: 621
• Sector: Real Estate
• Sector Strength: 53
• Industry: Financial - Credit Services
• EPS (TTM): 3.55
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: ₹254.00 ▲(20.09% 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.

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 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 advances for housing and urban development projects. It earns interest income from these loans, which forms a significant portion of its revenue. Additionally, HUDCO charges fees for consultancy services and technical assistance provided to various state governments and urban local bodies. The company also benefits from government initiatives and partnerships, which can include funding from various schemes aimed at enhancing urban infrastructure. Moreover, HUDCO's operations are supported by the issuance of bonds and debentures in the capital markets, providing it with the necessary funds to finance its projects and maintain liquidity.

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	109.79B	103.44B	79.36B	70.81B	69.95B	72.75B
Gross Profit	37.20B	35.98B	29.76B	25.77B	24.63B	25.11B
EBITDA	38.21B	36.47B	28.53B	23.01B	23.54B	22.36B
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: Negative
• Last Price: 211.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 211.5 is below the 20-day moving average (MA) of 221.99, below the 50-day MA of 227.03, and below the 200-day MA of 219.18, indicating a bearish trend. The MACD of -5.89 indicates Positive momentum. The RSI at 39.29 is Neutral, neither overbought nor oversold. The STOCH value of 26.17 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RECLTD	75 Outperform	₹892.79B	5.18	―	5.81%	18.51%	16.04%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
PFC	65 Neutral	₹1.12T	4.52	―	4.84%	13.05%	16.78%
HUDCO	62 Neutral	₹423.40B	15.11	―	2.98%	30.25%	13.67%
LTF	62 Neutral	₹751.91B	27.79	―	0.92%	15.90%	4.53%
IRFC	61 Neutral	₹1.49T	21.78	―	1.62%	-0.41%	4.98%

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.