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Housing & Urban Dev.

₹224.2 0.9 | 0.4%

Market Cap ₹44877 Cr.

Stock P/E 16.6

P/B 2.4

Current Price ₹224.2

Book Value ₹ 92.9

Face Value 10

52W High ₹264

Dividend Yield 1.85%

52W Low ₹ 158.9

Housing & Urban Dev. Research see more...

Overview Inc. Year: 1970Industry: Finance - Housing

Housing And Urban Development Corporation Ltd is an primarily India based techno‐financing enterprise. The Company gives long term finance for constructing houses for residential purposes or finance or undertakes housing and urban improvement packages within the country. It budget or undertakes, absolutely or partly, the setting up of the brand new or satellite towns and business firms of building material. The Company promotes, establishes, assists, collaborates and offers consultancy services for the initiatives and engages in designing and making plans of works relating to its programs in India and abroad. Its consultancy help covers architectural, making plans and engineering fields, along with housing designs, improvement plans, master plans, heritage protection/upkeep plans, city development plans, feasibility studies, and so forth.

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Housing & Urban Dev. Share Price

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Housing & Urban Dev. Quarterly Results

#(Fig in Cr.) Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 1852 1843 1865 2013 2065 2188 2518 2760 2845 2937
Other Income 10 9 16 10 129 9 8 10 10 8
Total Income 1862 1851 1881 2023 2194 2197 2526 2770 2855 2945
Total Expenditure -155 60 55 12 8 47 -138 73 -28 109
Operating Profit 2017 1791 1826 2011 2186 2150 2665 2697 2883 2836
Interest Expense 1150 1191 1217 1313 1240 1464 1662 1762 1859 1976
Depreciation 3 2 2 2 2 2 3 3 4 3
Profit Before Tax 864 598 606 696 943 685 1000 932 1020 857
Provision for Tax 225 152 155 177 243 127 311 197 293 227
Profit After Tax 639 446 452 519 700 558 689 735 728 630
Adjustments -0 -0 -0 0 0 0 0 0 0 0
Profit After Adjustments 639 446 452 519 700 558 689 735 728 630
Adjusted Earnings Per Share 3.2 2.2 2.3 2.6 3.5 2.8 3.4 3.7 3.6 3.1

Housing & Urban Dev. Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 3347 3205 3499 4171 5556 7532 7235 6954 7049 7784 10311 11060
Other Income 92 372 135 63 44 40 229 293 110 372 449 36
Total Income 3439 3577 3634 4234 5599 7572 7464 7247 7160 8157 10760 11096
Total Expenditure 476 594 468 525 660 544 463 361 352 342 365 16
Operating Profit 2962 2983 3166 3709 4939 7028 7000 6886 6808 7814 10395 11081
Interest Expense 1776 1908 1986 2295 3071 4848 4765 4533 4507 4961 6748 7259
Depreciation 5 5 5 5 5 6 7 8 11 10 11 13
Profit Before Tax 1182 1076 1175 1408 1863 2174 2229 2346 2289 2843 3637 3809
Provision for Tax 403 293 333 398 683 466 650 629 588 727 928 1028
Profit After Tax 778 783 842 1010 1180 1708 1579 1716 1701 2117 2709 2782
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 778 783 842 1010 1180 1708 1579 1716 1701 2117 2709 2782
Adjusted Earnings Per Share 3.9 3.9 4.2 5 5.9 8.5 7.9 8.6 8.5 10.6 13.5 13.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 32% 14% 6% 12%
Operating Profit CAGR 33% 15% 8% 13%
PAT CAGR 28% 16% 10% 13%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -9% 82% 45% NA%
ROE Average 16% 13% 13% 12%
ROCE Average 10% 9% 9% 9%

Housing & Urban Dev. Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 7782 8446 9168 9942 10955 12342 13188 14467 15444 16613 17968
Minority's Interest 1 1 1 0 0 0 0 0 0 0 0
Borrowings 18327 21354 24966 30060 54171 57272 59459 56918 49046 57397 75304
Current Liability 6545 5603 4817 8880 7695 6323 3756 6730 15543 18244 33969
Other Liabilities & Provisions 839 809 772 477 595 644 977 1194 1360 1637 1880
Total Liabilities 33494 36212 39723 49360 73416 76581 77380 79308 81393 93891 129122
Loans 27117 29503 33162 47104 70964 74268 74292 76990 79237 91365 124341
Investments 354 367 367 527 265 232 242 254 262 273 282
Fixed Assets 75 73 72 48 50 46 63 75 69 69 69
Other Loans 47 47 43 2 2 1 1 1 1 0 10
Other Non Current Assets 52 57 62 35 39 52 39 25 19 773 1941
Current Assets 5850 6166 6017 1621 2077 1963 2724 1944 1783 1392 2460
Total Assets 33494 36212 39723 49360 73416 76581 77380 79308 81393 93891 129122

Housing & Urban Dev. Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 72 81 141 48 72 111 223 1286 560 48 370
Cash Flow from Operating Activities -188 -4965 -2598 -7830 -23400 -1336 2161 -806 -851 -10287 -31603
Cash Flow from Investing Activities -21 372 -5 -4 18 83 -14 -1 -352 435 -939
Cash Flow from Financing Activities 218 4653 2509 7858 23422 1365 -1083 81 691 10174 32215
Net Cash Inflow / Outflow 9 60 -93 24 39 112 1063 -726 -512 322 -326
Closing Cash & Cash Equivalent 81 141 48 72 111 223 1286 560 48 370 44

Housing & Urban Dev. Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 3.89 3.91 4.21 5.04 5.89 8.53 7.89 8.57 8.5 10.57 13.53
CEPS(Rs) 3.91 3.93 4.23 5.07 5.92 8.56 7.92 8.61 8.56 10.62 13.59
DPS(Rs) 0.5 0.5 0.55 0.55 0.83 3.1 2.18 3.5 3.85 4.15 4.15
Book NAV/Share(Rs) 38.87 42.19 45.79 49.66 54.72 61.65 65.88 72.27 77.14 82.98 89.76
Net Profit Margin 23.26 24.43 24.07 24.21 21.24 22.68 21.82 24.68 24.14 27.19 26.27
Operating Margin 88.37 93.1 90.37 88.78 88.8 93.23 96.67 98.91 96.41 100.26 100.71
PBT Margin 35.31 33.58 33.59 33.76 33.53 28.87 30.8 33.73 32.47 36.53 35.27
ROA(%) 2.32 2.25 2.22 2.27 1.92 2.28 2.05 2.19 2.12 2.42 2.43
ROE(%) 10 9.65 9.56 10.57 11.29 14.66 12.37 12.41 11.38 13.21 15.67
ROCE(%) 10.4 9.57 8.87 8.86 8.43 9.71 9.45 9.16 8.81 9.24 9.62
Price/Earnings(x) 0 0 0 13.15 7.63 2.34 5.57 3.81 5.1 17.71 14.73
Price/Book(x) 0 0 0 1.34 0.82 0.32 0.67 0.45 0.56 2.26 2.22
Dividend Yield(%) 0 0 0 0.83 1.84 15.54 4.95 10.7 8.88 2.22 2.08
EV/Net Sales(x) 6.69 8.38 8.54 11.8 12.33 8.63 9.45 9.69 10.14 14.27 14.27
EV/Core EBITDA(x) 7.56 9 9.43 13.27 13.87 9.25 9.76 9.79 10.5 14.22 14.16
Interest Earned Growth(%) 0 -4.24 9.18 19.22 33.19 35.57 -3.95 -3.88 1.37 10.42 32.46
Net Profit Growth 0 0.56 7.59 19.91 16.83 44.78 -7.59 8.74 -0.87 24.41 27.99
EPS Growth(%) 0 0.56 7.6 19.91 16.83 44.78 -7.59 8.74 -0.87 24.41 27.99
Interest Coverage(x) % 1.67 1.56 1.59 1.61 1.61 1.45 1.47 1.52 1.51 1.57 1.54

Housing & Urban Dev. Shareholding Pattern

# Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Promoter 81.81 81.81 81.81 75.17 75 75 75 75 75 75
FII 0.3 0.32 0.65 1.2 1.91 2.7 2.32 2.08 2.46 1.96
DII 7.29 7.17 7.15 11.8 11.39 11.64 9.04 9.75 9.69 10.26
Public 10.61 10.7 10.4 11.83 11.7 10.66 13.63 13.17 12.85 12.78
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 13% over the last 3 years.
  • The company has delivered a poor profit growth of 9% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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