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Housing & Urban Development Corp. Ltd. (HUDCO) AI Stock Analysis
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Housing & Urban Development Corp. Ltd.
(NSE:HUDCO)
The score is driven mainly by mixed fundamentals: strong reported profitability and growth are offset by high and rising leverage and historically volatile/negative operating cash flow. Technical signals are weak (below key moving averages with negative MACD), while valuation is a clear positive due to the low P/E and meaningful dividend yield.
Housing & Urban Development Corp. Ltd. (HUDCO) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 286.41B
- Dividend Yield
- 5.05%
- Average Volume (3M)
- 265.90K
- Price to Earnings (P/E)
- 6.7
- Beta (1Y)
- 1.68
- Revenue Growth
- 21.01%
- EPS Growth
- 52.98%
- Country
- India
- Employees
- 585
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Housing & Urban Development Corp. Ltd. Business Overview & Revenue Model
Company Description
Housing and Urban Development Corporation Limited (HUDCO), established in 1970 and based in New Delhi, India, is a prominent financial institution dedicated to fostering housing and urban infrastructure development across India. The company extends l...
How the Company Makes Money
HUDCO makes money primarily through interest income earned on the loans it extends for housing and urban infrastructure projects. Its core revenue model is spread-based lending: it raises funds (e.g., through market borrowings such as bonds/debt inst...
Housing & Urban Development Corp. Ltd. Financial Statement Overview
Summary
Reported profitability is strong (healthy net and EBIT margins, improving growth), but the overall financial picture is held back by rising leverage (debt-to-equity nearing ~6x) and highly unstable cash flows with multiple years of negative operating/free cash flow before a FY2026 rebound, which reduces earnings-quality and durability confidence.
Income Statement
78PositiveBalance Sheet
54NeutralCash Flow
28Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 132.93B | 123.91B | 103.44B | 79.36B | 70.81B | 69.95B |
| Gross Profit | 37.65B | 34.31B | 35.98B | 29.76B | 25.77B | 24.63B |
| EBITDA | 34.42B | 32.34B | 36.47B | 28.53B | 23.01B | 23.54B |
| Net Income | 42.55B | 40.34B | 27.09B | 21.17B | 17.01B | 17.16B |
Balance Sheet | ||||||
| Total Assets | 0 | 1.67T | 1.28T | 934.22B | 809.69B | 788.94B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 2.26B | 645.40M | 3.87B | 143.20M | 6.45B |
| Total Debt | 0 | 1.42T | 1.07T | 739.96B | 629.03B | 614.99B |
| Total Liabilities | -219.75B | 1.45T | 1.11T | 768.10B | 655.26B | 644.27B |
| Stockholders Equity | 219.75B | 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
Price Trends
Market Momentum
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 142.80 is below the 20-day moving average (MA) of 155.54, below the 50-day MA of 168.68, and below the 200-day MA of 188.90, indicating a bearish trend. The MACD of -7.21 indicates Positive momentum. The RSI at 26.72 is Positive, neither overbought nor oversold. The STOCH value of 17.97 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
Overall Rating
IN:RECLTD84Outperform
IN:LTF72Outperform
IN:PFC67Neutral
IN:IFCI62Neutral
IN:IRFC59Neutral- IN:HUDCO57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:RECLTD | 84Outperform | INR 750.47B | 4.99 | ― | 5.99% | -2.74% | -12.39% |
| IN:LTF | 72Outperform | INR 612.82B | 17.89 | ― | 1.12% | 17.30% | 26.39% |
| IN:PFC | 67Neutral | INR 1.04T | 3.97 | ― | 5.97% | 3.53% | 7.13% |
| IN:IFCI | 62Neutral | INR 147.24B | 85.42 | ― | ― | -2.70% | -45.62% |
| IN:IRFC | 59Neutral | INR 959.23B | 13.01 | ― | 3.00% | 13.38% | 7.86% |
| IN:HUDCO | 57Neutral | INR 285.87B | 6.73 | ― | 5.05% | 21.01% | 52.98% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:HUDCO | Housing & Urban Development Corp. Ltd. | 142.80 | -87.11 | -37.89% | |
| IN:IFCI | IFCI Limited | 54.65 | -2.69 | -4.69% | |
| IN:IRFC | Indian Railway Finance Corp. Ltd. | 73.40 | -46.59 | -38.83% | |
| IN:LTF | L&T Finance Ltd | 244.50 | -32.40 | -11.70% | |
| IN:PFC | Power Finance Corporation Limited | 314.00 | -70.47 | -18.33% | |
| IN:RECLTD | REC Limited | 285.00 | -76.07 | -21.07% |
Housing & Urban Development Corp. Ltd. Corporate Events
HUDCO Seeks Waiver of NSE, BSE Fines Over Board Composition Lapses
Housing & Urban Development Corporation Limited (HUDCO), a state-owned housing and urban infrastructure financier in India, operates under a governance framework where the power to appoint directors, including independent directors, rests with th...
HUDCO Confirms SEBI-Compliant Dematerialization for September 2026 Quarter
Housing & Urban Development Corporation Ltd. has informed the stock exchanges that it received a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30 September 2026....
HUDCO Sanctions Over Rs. 1 Lakh Crore in Loans, Disbursements Jump in H1 FY2026
HUDCO reported provisional loan sanctions of Rs. 1,04,592 crore for the half year ended 30 September 2026, reflecting solid traction in its housing and urban infrastructure financing business. The state-backed lender’s strong sanction volume hi...
HUDCO Consolidates 75% Government Stake Under Housing and Urban Affairs Ministry
Housing & Urban Development Corporation Limited has announced a restructuring of its government shareholding, with the 20.73% stake earlier held through the Ministry of Rural Development transferred to the demat account of the Ministry of Housing...
HUDCO Opens One-Year Special Window for Transfer and Demat of Physical Shares
Housing & Urban Development Corporation Limited has notified exchanges that it has published a newspaper notice regarding the opening of a special window for handling transfer and dematerialisation requests of physical securities. The special win...
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.
Date of analysis: Aug 17, 2026