HUDCO
Housing & Urban Development Corporation Limited (HUDCO) Stock Analysis
Housing and Urban Development Corporation Limited is a government-owned lender for housing and urban infrastructure projects. It finances state agencies, developers, and affordable housing programs nationwide. HUDCO also supports smart cities, water supply, and urban transport initiatives. It is a listed public-sector housing finance institution.
Financial Services › Credit Services
₹161.10
+0.84% 1W | -28.30% 52W
Market Cap
32.2k CR
P/E Ratio
7.6
52W High
₹246.8
52W Low
₹155.8
Div. Yield
3.73%
Beta
0.8
50 DMA
₹176.5
200 DMA
₹192.9
Profit Margin
90.7%
Inst. Own.
10%
🚀 BREAKOUT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,843 | 1,865 | 2,013 | 2,065 | 2,188 | 2,518 | 2,760 | 2,845 | 2,937 | 3,219 | 3,431 | 3,563 | 3,717 |
| Interest | 1,191 | 1,217 | 1,313 | 1,240 | 1,464 | 1,662 | 1,762 | 1,859 | 1,976 | 2,147 | 2,394 | 2,413 | 2,561 |
| Expenses | 60 | 55 | 12 | 8 | 47 | -138 | 73 | -28 | 109 | 147 | 320 | 587 | 109 |
| Financing Profit | 592 | 593 | 688 | 817 | 678 | 994 | 924 | 1,014 | 852 | 926 | 717 | 563 | 1,048 |
| Financing Margin % | 32% | 32% | 34% | 40% | 31% | 39% | 33% | 36% | 29% | 29% | 21% | 16% | 28% |
| Other Income | 9 | 16 | 10 | 129 | 9 | 8 | 10 | 10 | 8 | 32 | 74 | 62 | 20 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 3 | 3 | 3 | 4 | 2 |
| Profit before tax | 598 | 606 | 696 | 943 | 685 | 1,000 | 932 | 1,020 | 857 | 955 | 788 | 621 | 1,066 |
| Tax % | 25% | 26% | 25% | 26% | 19% | 31% | 21% | 29% | 26% | 26% | 10% | -219% | 20% |
| Net Profit | 446 | 452 | 519 | 700 | 558 | 689 | 735 | 728 | 630 | 710 | 713 | 1,981 | 851 |
| EPS in Rs | 2.23 | 2.26 | 2.59 | 3.50 | 2.79 | 3.44 | 3.67 | 3.64 | 3.15 | 3.55 | 3.56 | 9.90 | 4.25 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,383 | 3,270 | 3,536 | 4,228 | 5,584 | 7,567 | 7,267 | 6,986 | 7,082 | 7,831 | 10,345 | 13,150 | 13,930 |
| Interest | 1,775 | 1,908 | 1,986 | 2,295 | 3,071 | 4,848 | 4,765 | 4,533 | 4,507 | 4,961 | 6,747 | 8,931 | 9,515 |
| Expenses | 477 | 319 | 468 | 526 | 652 | 544 | 277 | 111 | 279 | 134 | -46 | 1,162 | 1,162 |
| Financing Profit | 1,131 | 1,044 | 1,082 | 1,408 | 1,861 | 2,176 | 2,225 | 2,342 | 2,296 | 2,736 | 3,644 | 3,057 | 3,253 |
| Financing Margin % | 33% | 32% | 31% | 33% | 33% | 29% | 31% | 34% | 32% | 35% | 35% | 23% | 23% |
| Other Income | 44 | 37 | 98 | 6 | 7 | 4 | 11 | 11 | 4 | 117 | 4 | 177 | 189 |
| Depreciation | 5 | 5 | 5 | 5 | 5 | 6 | 7 | 8 | 11 | 10 | 11 | 13 | 12 |
| Profit before tax | 1,170 | 1,076 | 1,175 | 1,408 | 1,863 | 2,174 | 2,229 | 2,346 | 2,289 | 2,843 | 3,637 | 3,221 | 3,430 |
| Tax % | 34% | 27% | 28% | 28% | 37% | 21% | 29% | 27% | 26% | 26% | 26% | -25% | |
| Net Profit | 768 | 783 | 842 | 1,010 | 1,180 | 1,708 | 1,578 | 1,716 | 1,701 | 2,117 | 2,709 | 4,034 | 4,255 |
| EPS in Rs | 3.84 | 3.91 | 4.21 | 5.04 | 5.89 | 8.53 | 7.89 | 8.57 | 8.50 | 10.57 | 13.53 | 20.15 | 21.26 |
| Dividend Payout % | 13% | 13% | 13% | 11% | 14% | 36% | 28% | 41% | 45% | 39% | 31% | 30% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 23.0% | 13.0% | 15.0% |
| Profit CAGR | 33.0% | 20.0% | 18.0% |
Shareholding Pattern
Promoters75.00%
FIIs1.96%
DIIs10.26%
Public12.78%
Promoters75.00%
FIIs1.94%
DIIs10.92%
Public12.13%
Promoters75.00%
FIIs1.97%
DIIs11.46%
Public11.56%
Promoters75.00%
FIIs2.22%
DIIs11.03%
Public11.74%
Promoters75.00%
FIIs2.40%
DIIs10.09%
Public12.49%
Promoters81.81%
FIIs0.30%
DIIs7.29%
Public10.61%
Promoters75.00%
FIIs1.91%
DIIs11.39%
Public11.70%
Promoters75.00%
FIIs2.46%
DIIs9.69%
Public12.85%
Promoters75.00%
FIIs2.22%
DIIs11.03%
Public11.74%
Promoters75.00%
FIIs2.40%
DIIs10.09%
Public12.49%
HUDCO
Holdings Analysis
Key strengths & risk signals
73
Overall
88
Fundamental
59
Technical
Risks (3)
POOR YEAR! Stock declined 28.3% in the last year.
WEAK POSITION! Current price (161.1) is below both moving averages.
WEAK! Trading at 5.8% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 90.7% profit margin - company keeps strong profits.
BREAKOUT! Stock has broken above resistance levels with momentum.
APPROACHING OVERSOLD! RSI at 36.5 - watch for reversal.
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
Fundamental & Technical Analysis
73Overall
88Fundamental
59Technical
Fundamental Breakdown
Growth Quality
23/30
Revenue CAGR: 10.0% (MODERATE, 8/15). Profit CAGR: 33.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 90.7% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.23 indicates stock is cheap relative to growth.
Dividend Yield
7/10
GOOD DIVIDEND! 3.73% yield - decent income potential.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 10.69% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (176.5) is below 200-day average (192.9) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (161.1) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
1/10
POOR YEAR! Stock declined 28.3% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 2,352,973 vs down days: 2,119,563. Ratio: 1.11x
RSI
4/5
APPROACHING OVERSOLD! RSI at 36.5 - watch for reversal.
52W Range
1/5
WEAK! Trading at 5.8% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.8% (1 week), -5.1% (1 month), -20.6% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
HUDCO
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-31 | Concall PDF | |
| Q3FY262026-02-06 | Concall PDF | |
| Q2FY262025-11-17 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
| IREDA | ₹108.80 | 15.5 | 69.3% | 34.5% | 29.4% | -29.3% | 68 | APPROACHING RESISTANCE | +37.1% | -31.3% | +16.2% | +4.0% |
| MANAPPURAM | ₹323.90 | 19.9 | 30.5% | 7.3% | -12.5% | +14.2% | 59 | BOUNCE FROM SUPPORT | +322.4% | +44.7% | +26.1% | +16.9% |
| IIFL | ₹615.40 | 12.5 | 26.1% | 13.6% | 3.4% | +20.0% | 56 | HIT RESISTANCE | +189.2% | +15.0% | +30.1% | +4.7% |
| CHOLAHLDNG | ₹1,360.00 | 9.6 | 11.9% | 28.0% | 23.7% | -26.8% | 63 | APPROACHING SUPPORT | +39.3% | +17.3% | +19.8% | +5.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| CGCL | ₹247.60 | 21.2 | 35.0% | 49.7% | 66.8% | +28.7% | 90 | BREAKDOWN | +102.1% | +25.0% | +56.8% | +11.7% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
Data from TradeAlone · Updated daily
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