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Housing and Urban Development Corporation Limited

Housing and Urban Development Corporation Limited

NSE: HUDCO
Credit ServicesFinancial ServicesLARGE CAPMCap ₹32.25k Cr
₹161.09₹0.03 (+0.02%)

Market Closed • NSE

Market cap₹32.25k Cr
Enterprise value₹171.79k Cr
P/E TTM7.58
Forward P/E6.71
P/B1.47
EPS TTM₹21.26
Forward EPS₹24.00
ROCE8.39%
D/E6.46
Dividend yield0.04%
Face value₹10.00
52W high₹246.85
52W low₹155.80
Price chart(1Y)
1Y Return:-21.68% (₹44.59)
H: ₹218L: ₹155.8
1W-1.65%
1M-4.99%
3M-19.58%
6M-21.21%
1Y-28.26%
Today at a glance

Day range

₹159.75₹162.09

52 week range

₹155.80₹246.85
Volume1.13M0.45x 20D avg
Free float50.00%-54.80% volume

Housing and Urban Development Corporation Limited closed at INR161.09 (+0.02%) on volume 0.45x its 20-day average, trading 34.74% below its 52-week high.

Technical analysis
RSI (14)36.8Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹4.62Moderate
SMA 20₹166.25BEARISH
SMA 50₹176.47BEARISH
SMA 100₹190.72BEARISH
SMA 200₹194.41BEARISH
CPR bottom₹162.05
Pivot₹161.72
CPR top₹161.39
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -57% QoQ

2026-08-17

DIVIDEND Announced

Dividend - Rs 1.50 Per Share

2026-07-31

DIVIDEND Announced

Interim Dividend - Rs 1.25 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹141.68k Cr₹32.25k Cr439.33%≤ 33%FAIL
Non-halal income ratio₹13.10k Cr₹3.46k Cr378.89%≤ 5%FAIL
Illiquid assets ratio₹166.61k Cr₹166.84k Cr99.86%≥ 20%PASS
Receivables ratio–₹166.84k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E7.5816.50
Forward P/E6.71—
P/B1.471.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield13.206.10
Growth & profitability
RevenuePAT
FY24PAT margin —
FY25PAT margin 75.30%
FY26PAT margin 116.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y—
PAT CAGR 3Y+14.20%
PAT CAGR 5Y+13.80%
Operating margin90.61%
Net margin90.68%
Financial health & cash flow
Net debt₹141.45k CrModerate
Interest coverage0.00xEBIT / interest
CFO / PAT-9.21x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-3391222.0 Lakh
Capital expenditure–
Free cash flow₹-3393380.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall53/100
Valuation75/100
Profitability65/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 7.6x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 6.46x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

90%60%30%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
12.49%Institutional holding
12.49%Public holding
5Periods available
0.00%Promoter pledged
7.57LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
17 Aug 2026Dividend₹1.50 / share—17 Aug 2026
31 Jul 2026Dividend₹1.25 / share—31 Jul 2026
28 Mar 2026Dividend₹1.25 / share—27 Mar 2026
07 Feb 2026Dividend₹1.15 / share—06 Feb 2026
19 Nov 2025Dividend₹1.00 / share—19 Nov 2025
09 Sept 2025Dividend₹1.05 / share—08 Sept 2025
14 Aug 2025Dividend₹1.15 / share—14 Aug 2025
14 Mar 2025Dividend₹1.05 / share—13 Mar 2025
30 Jan 2025Dividend₹2.05 / share—30 Jan 2025
13 Sept 2024Dividend₹2.65 / share—13 Sept 2024
29 Mar 2024Dividend₹1.50 / share—28 Mar 2024
08 Sept 2023Dividend₹3.10 / share—08 Sept 2023
22 Mar 2023Dividend₹0.75 / share—21 Mar 2023
16 Sept 2022Dividend₹2.75 / share—15 Sept 2022
30 Mar 2022Dividend₹0.75 / share—29 Mar 2022
18 Sept 2021Dividend₹1.43 / share—16 Sept 2021
26 Mar 2021Dividend₹0.75 / share—25 Mar 2021
12 Sept 2020Dividend₹2.35 / share—10 Sept 2020
28 Mar 2020Dividend₹0.75 / share—26 Mar 2020
—Dividend₹0.15 / share—12 Sept 2019
23 Mar 2019Dividend₹0.68 / share—20 Mar 2019
—Annual General MeetingAnnual General Meeting—12 Sept 2018
09 Mar 2018Dividend₹0.55 / share—08 Mar 2018
—DividendAnnual General Meeting/Dividend - Re 0.05—14 Sept 2017
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)46.27%-0.27% latest vs average
Highest delivery55.80%on 22 Sept
Average volume (20D)2.49MTrading-session average
Conviction trendWeakening-0.27% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Housing and Urban Development Corporation Limited
Housing and Urban Development Corporation Limited

Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]

IndiaFinancial Services

Questions investors ask
Is Housing and Urban Development Corporation Limited Shariah compliant?

Housing and Urban Development Corporation Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (439.33%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (378.89%) exceeds 5% threshold.

What is Housing and Urban Development Corporation Limited's current valuation relative to peers?

Housing and Urban Development Corporation Limited trades at a P/E of 7.6x compared to the sector median of 16.5x, and a Price-to-Book of 1.5x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 6.46x. Interest coverage is 0x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged 13.8%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.