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Housing & Urban Development Corp. Ltd.
(HUDCO)
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Rating:57Neutral
Price Target:
₹197.00
▼(-8.37% Downside)
Action:Reiterated
Date:08/17/26
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.
Positive Factors
Accelerating Revenue Growth
The shift from weak earlier growth to strong FY2024-FY2025 expansion indicates improving loan deployment and demand. Continued FY2026 growth supports the view that HUDCO is gaining business momentum in housing and urban infrastructure financing.
Negative Factors
High and Rising Leverage
Although leverage is inherent to lending institutions, the sustained increase leaves HUDCO with less financial flexibility and greater sensitivity to funding costs, asset-quality stress, or slower loan collections. This can constrain resilience during adverse conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue Growth
The shift from weak earlier growth to strong FY2024-FY2025 expansion indicates improving loan deployment and demand. Continued FY2026 growth supports the view that HUDCO is gaining business momentum in housing and urban infrastructure financing.
Read all positive factors
Housing & Urban Development Corp. Ltd. (HUDCO) vs. iShares MSCI India ETF (INDA)
Market Cap
₹348.43B
Dividend Yield4.17%
Average Volume (3M)302.31K
Price to Earnings (P/E)8.1
Beta (1Y)1.64
Revenue Growth21.01%
EPS Growth52.98%
CountryIN
Employees585
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)21.26
Shares Outstanding2,001,900,000
10 Day Avg. Volume356,318
30 Day Avg. Volume302,306
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)1.45
Price to Sales (P/S)2.58
P/FCF Ratio14.92
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)18.95
Revenue Forecast (FY)₹56.86B
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 extend...
How the Company Makes Money
HUDCO makes money primarily through interest income earned on loans and advances it provides for housing and urban infrastructure projects. Its core revenue stream is lending: HUDCO raises funds (commonly through borrowings such as bonds and other...
Housing & Urban Development Corp. Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
28
Negative
| 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 | 0.00 | 1.67T | 1.28T | 934.22B | 809.69B | 788.94B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.26B | 645.40M | 3.87B | 143.20M | 6.45B |
| Total Debt | 0.00 | 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
Negative
215.00
Price Trends
191.94
Negative
199.79
Negative
197.74
Negative
Market Momentum
-5.06
Positive
25.90
Positive
5.36
Positive
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 215 is above the 20-day moving average (MA) of 182.17, above the 50-day MA of 191.94, and above the 200-day MA of 197.74, indicating a bearish trend. The MACD of -5.06 indicates Positive momentum. The RSI at 25.90 is Positive, neither overbought nor oversold. The STOCH value of 5.36 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | ₹829.47B | 5.15 | ― | 5.83% | 0.21% | -4.87% | |
65 Neutral | ₹1.16T | 4.48 | ― | 5.31% | 3.53% | 7.13% | |
63 Neutral | ₹780.10B | 24.32 | ― | 0.89% | 12.56% | 19.25% | |
58 Neutral | ₹229.39B | 128.58 | ― | 7.28% | -2.70% | -45.62% | |
57 Neutral | ₹348.43B | 8.13 | ― | 4.17% | 21.01% | 52.98% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹1.06T | 14.74 | ― | 2.59% | 5.50% | 7.79% |
* General Sector Average
IN:HUDCO
Housing & Urban Development Corp. Ltd.
172.70
-36.96
-17.63%
IN:IFCI
IFCI Limited
82.32
28.90
54.10%
IN:IRFC
Indian Railway Finance Corp. Ltd.
81.07
-42.76
-34.53%
IN:LTF
L&T Finance Ltd
309.50
76.95
33.09%
IN:PFC
Power Finance Corporation Limited
353.25
-24.17
-6.40%
IN:RECLTD
REC Limited
312.90
-42.26
-11.90%
Housing & Urban Development Corp. Ltd. Corporate Events
HUDCO Files Business Responsibility and Sustainability Report for FY 2025-26
Jul 30, 2026
Housing Urban Development Corporation Limited (HUDCO) is a Government of India enterprise incorporated in 1970 and headquartered in New Delhi. It operates in the financial services sector, with housing and urban infrastructure finance accounting ...
HUDCO Publishes June Quarter 2026 Unaudited Results Notice
Jul 28, 2026
Housing Urban Development Corporation Ltd. has published newspaper notices announcing the submission of its unaudited standalone and consolidated financial results for the quarter ended 30 June 2026. The disclosure, made in line with Regulation 4...
HUDCO Signs Rs 1 Lakh Crore Urban Infrastructure MoU with Odisha Government
Jul 11, 2026
Housing and Urban Development Corporation Limited has signed a Memorandum of Understanding with the Government of Odisha to finance large-scale urban infrastructure and housing initiatives in the state. Under the agreement, HUDCO will extend term ...
HUDCO Seeks Waiver of Board-Composition Fines Citing Government Control Over Appointments
Jul 10, 2026
Housing Urban Development Corporation Limited (HUDCO), a government-owned lender in the housing and urban development space, derives its board appointments from the President of India acting through the administrative ministry. This governance st...
HUDCO Reports Surge in Loan Sanctions and Disbursements for June Quarter 2026
Jun 30, 2026
Housing Urban Development Corporation Limited reported a sharp increase in loan sanctions for the quarter ended June 30, 2026, with approvals reaching ₹65,485 crore, almost double the ₹33,904 crore sanctioned in the same quarter a yea...
HUDCO Signs Rs 1 Lakh Crore Infrastructure Financing MoU With Gujarat Government
Jun 17, 2026
Housing Urban Development Corporation Limited has signed a Memorandum of Understanding with the Government of Gujarat to support large-scale infrastructure and development projects in the state. Under the agreement, HUDCO plans to extend financia...
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.