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

Housing & Urban Development Corp. Ltd.

(NSE:HUDCO)

Select Model

Rating:61Neutral

Price Target:INR 151.00▲(3.33% Upside)

Action:downgraded

Date:08/17/26

The score is supported by strong earnings growth and inexpensive valuation, but it is pulled down by weak technical momentum and the company's high leverage and volatile cash flow profile.

Positive Factors

Government-linked development finance roleHUDCO’s government-linked mandate gives it an established role in financing essential housing and urban infrastructure. This supports durable demand for its lending activities, while its focus on public-sector and eligible institutional borrowers aligns the business with long-term development programs.

Negative Factors

High and rising leverageRising leverage increases HUDCO’s exposure to funding and credit-cycle stress, even though borrowing is inherent to its lending model. Debt near six times equity leaves less financial flexibility to absorb shocks and may constrain future growth or capital allocation.

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

Strong income growth and rising profitability support the score, but this is offset by high leverage and volatile, often negative cash flow.

Income Statement

82Very Positive

Balance Sheet

63Positive

Cash Flow

35Negative

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price146.14

Price Trends

50DMA168.68Negative

100DMA184.71Negative

200DMA188.90Negative

Market Momentum

MACD-7.21Positive

RSI26.72Positive

STOCH17.97Positive

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 146.14 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

UnderperformOutperform

Sector (55)

Financial Indicators

IN:HUDCO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:RECLTD	80Outperform	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:IFCI	62Neutral	INR 147.24B	85.42	―	―	-2.70%	-45.62%
IN:HUDCO	61Neutral	INR 285.87B	6.73	―	5.05%	21.01%	52.98%
IN:IRFC	59Neutral	INR 959.23B	13.01	―	3.00%	13.38%	7.86%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:PFC	54Neutral	INR 1.04T	3.97	―	5.97%	3.53%	7.13%

* General Sector Average

Performance Comparison

IN:HUDCO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:HUDCO	Housing & Urban Development Corp. Ltd.	146.20	-79.50	-35.22%
IN:IFCI	IFCI Limited	57.77	1.55	2.76%
IN:IRFC	Indian Railway Finance Corp. Ltd.	75.75	-43.36	-36.40%
IN:LTF	L&T Finance Ltd	251.00	-26.20	-9.45%
IN:PFC	Power Finance Corporation Limited	317.60	-60.10	-15.91%
IN:RECLTD	REC Limited	286.40	-66.44	-18.83%

Housing & Urban Development Corp. Ltd. Corporate Events

HUDCO Seeks Waiver of NSE, BSE Fines Over Board Composition Lapses

Oct 22, 2026

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

Oct 8, 2026

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

Sep 30, 2026

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

Sep 22, 2026

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

Sep 1, 2026

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...

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.

Date of analysis: Aug 17, 2026

Housing & Urban Development Corp. Ltd. AI Stock Analysis