Housing & Urban Development Corporation Ltd

₹165.85▼ -1.66%29 Sept

📊 Stock Analysis

Market Data

Market Cap₹33,201.51 Cr.

52W High₹246.9

Current Price₹165.85

52W Low₹158.95

Down from 52W High32.8 %

Face Value₹10

Performance

ROCE7.98 %

ROE20.72 %

EPS (TTM)₹4.25

EPS Prev Qtr₹9.9

EPS Last Year₹3.55

EBITDA Qtr₹1,045.88 Cr.

Book Value₹102

Financial Health

Debt/Equity6.9

Debt/Profit33.29

Total Assets₹1,66,838.05 Cr.

Dividend Yield3.65 %

Promoter Holding75 %

Earning Power1.94 %

Valuation

Stock P/E7.8

Industry P/E18.07

Price to Book1.62

Price to Sales2.38

Graham Number₹221.3

Key Metrics

Book Value

₹114.23

Capital Adequacy %

39.41%

Debt/Equity

6.7

__derived

Dividend/Share

₹1.25

Employees

622

Face Value

₹10

Gross NPA %

0.96%

Interest Coverage

1.42

Loan Book

₹1,73,123 Cr

Loans Disbursed

₹16,377 Cr

Net NPA %

0.05%

NIM %

2.72%

Provision Coverage %

95.06%

ROE %

14.89%

About Housing & Urban Development Corporation Ltd

Financial Services · Finance

Housing & Urban Development Corporation Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹33,201.51 Cr.

Price Chart

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
Bajaj Finance Ltd	-	29.81	₹6,06,096.65 Cr	0.62%	₹20,647.67 Cr	-	₹85,963.63 Cr	-	10.43%	3.82
Bajaj Finserv Ltd	-	27.44	₹2,79,295.97 Cr	0.09%	₹20,636.97 Cr	-	₹1,57,641.68 Cr	-	11.43%	5.5
Shriram Finance Ltd	-	17.17	₹2,28,938.64 Cr	1.11%	₹11,295.71 Cr	-	₹49,997.06 Cr	-	11.48%	3.8
ICICI Prudential Asset Management Co Ltd	-	32.07	₹1,60,021.14 Cr	-	₹3,485.73 Cr	-	₹6,040.44 Cr	-	111.52%	0
Jio Financial Services Ltd	-	67.67	₹1,43,882.46 Cr	0.28%	₹2,066.49 Cr	-	₹4,905.27 Cr	-	2.33%	0.17
Tata Capital Ltd	-	25.68	₹1,40,526.39 Cr	0.17%	₹5,478.16 Cr	-	₹32,695.45 Cr	-	8.42%	5.28
Cholamandalam Investment & Finance Company Ltd	-	24.05	₹1,39,099.51 Cr	0.12%	₹5,751 Cr	-	₹32,662.59 Cr	-	9.35%	6.93
Bajaj Holdings & Investment Ltd	-	13.4	₹1,18,683.4 Cr	1.83%	₹8,993.16 Cr	-	₹1,139.25 Cr	-	12.4%	0
Muthoot Finance Ltd	-	9.7	₹1,10,363.68 Cr	1.09%	₹11,457.46 Cr	-	₹33,430.7 Cr	-	14.43%	3.88
Power Finance Corporation Ltd	-	4.12	₹1,07,187.31 Cr	5.71%	₹33,641.82 Cr	-	₹1,15,431.43 Cr	-	9.81%	7.62
SBI Funds Management Ltd	-	-	₹1,05,477.12 Cr	-	-	-	-	-	-	0
Aditya Birla Capital Ltd	-	24.9	₹1,03,558.06 Cr	-	₹4,118.85 Cr	-	₹48,185.84 Cr	-	8.39%	5.2
Indian Railway Finance Corporation Ltd	-	14.18	₹1,01,934.35 Cr	1.35%	₹7,190.69 Cr	-	₹28,630.42 Cr	-	5.78%	7.69
HDFC Asset Management Company Ltd	-	26.29	₹96,489.85 Cr	2.4%	₹2,947.64 Cr	-	₹4,253.73 Cr	-	41.46%	0
REC Ltd	-	4.83	₹77,258.79 Cr	6.32%	₹16,035.21 Cr	-	₹59,202.49 Cr	-	9.42%	6.09
Nippon Life India Asset Management Ltd	-	41.61	₹68,334.34 Cr	2.01%	₹1,635.54 Cr	-	₹2,869 Cr	-	45.49%	0
L&T Finance Ltd	-	21.35	₹67,999.44 Cr	1.01%	₹3,198.02 Cr	-	₹18,897.97 Cr	-	8.23%	3.93
Bajaj Housing Finance Ltd	-	25.18	₹67,758.55 Cr	-	₹2,692.32 Cr	-	₹11,604.2 Cr	-	8.35%	4.6
SBI Cards & Payment Services Ltd	-	24.43	₹55,564.77 Cr	0.43%	₹2,275.15 Cr	-	₹20,063.29 Cr	-	10.14%	2.8
HDB Financial Services Ltd	-	23.02	₹52,384.31 Cr	0.16%	₹2,175.9 Cr	-	₹16,300.3 Cr	-	9.03%	5.52

Quarterly Results

📊 Jun 2026: Revenue grew 26.6% YoY, Profit grew 34.6% YoY

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	2,937.31	3,219.03	3,431.2	3,562.86	3,717.17
↳ QoQ Growth	-	+9.6%	+6.6%	+3.8%	+4.3%
Expenses	2,086.24	2,296.31	2,717.08	3,004.06	2,671.29
Operating Profit	851.07	922.72	714.12	558.8	1,045.88
OPM %	28.97%	28.66%	20.81%	15.68%	28.14%
Other Income	8.16	31.99	74.37	62.21	20.32
Interest	1,976.31	2,146.94	2,394.15	2,413.29	2,560.73
Depreciation	0.94	2.81	3	3.78	1.99
EBITDA	852.01	925.53	717.12	562.58	1,047.87
EBITDA Margin %	29.01%	28.75%	20.9%	15.79%	28.19%
Profit Before Tax	859.23	954.71	788.49	621.01	1,066.2
Tax %	26.42%	25.65%	9.57%	-219.05%	20.17%
Net Profit	632.23	709.83	713	1,981.31	851.11
↳ QoQ Growth	-	+12.3%	+0.4%	+177.9%	-57.0%
EPS	3.14	3.55	3.56	9.9	4.25

Profit & Loss

	Mar 2026	TTM
Sales	13150.4	13930.26
Expenses	10103.69	10688.74
Operating Profit	3046.71	3241.52
OPM %	23.17%	23.27%
Other Income	176.73	188.89
Interest	8930.69	9515.11
Depreciation	10.53	11.58
Profit Before Tax	3223.44	3430.41
Tax %	-25.22%	-24.04%
Net Profit	4036.37	4255.25
EPS	20.15	21.26

Compounded Sales Growth

10Y

TTM

Compounded Profit Growth

10Y

TTM

Stock Price CAGR

10Y

-25.86%

Return on Equity

10Y

Last Year

20.72%

Balance Sheet

	Mar 2025	Mar 2026
Equity Capital	2001.9	2001.9
Reserves	15966.15	18531.56
Borrowings	107296.76	141677.02
Other Liabilities	3230.84	4627.58
Total Liabilities	128495.65	166838.05
Fixed Assets	75.75	67.46
CWIP	14.37	22.97
Investments	1317.88	2247.12
Other Assets	127087.65	164500.5
Total Assets	128495.65	166838.05

Cash Flows

	Mar 2026
Cash from Operating Activity	-33912.22
Cash from Investing Activity	-884.31
Cash from Financing Activity	34793.06
Net Cash Flow	-3.47

Ratios

	Mar 2026
Debtor Days	-
Inventory Days	-
Days Payable	-
Cash Conversion Cycle	-
Working Capital Days	698.36
ROCE %	12.11%

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	75%	75%	75%	75%
FIIs %	1.94%	1.97%	2.22%	2.4%
DIIs %	10.92%	11.46%	11.03%	10.1%
Public %	10.8%	10.3%	10.43%	10.3%
No. of Shareholders	8,43,084	8,02,766	7,90,412	7,57,055