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Housing & Urban Development Corporation (HUDCO) had a P/E of 7.2× on 6 Nov 2026, and the shares are 35% below their 52-week high. Net profit grew 33% a year over 3 years; its ROE of 22% is the second-highest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.40× book value and its dividend yield is 3.4%. It is a small-cap company with a market cap of ₹32,022 Cr, ranked 16th of 193 Credit Services companies by market cap; the shares fell 32% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹157.00
Day high
₹160.40
Day low
₹153.65
Prev. close
₹158.03
Volume
37.8 L

Health check

4 good · 2 to check
  • ReturnsBehind

    −32.2% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 1.40 vs peer median 2.62.

  • GrowthStrong

    Profit +33.3% a year over 3 years.

  • ProfitabilityStrong

    ROE 21.7% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 2.59%. Bad-loan data isn’t covered.

  • Red flags1 to check

    35% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹32,022 Cr, #16 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Sep 2026: sales ₹4,788 Cr · profit ₹4,456 Cr
Market cap
₹32,022 Cr
Small cap
P/E
7.2
Industry 15.5
Price to book
1.40
Peers 2.62
Dividend yield
3.38%
ROE
21.7%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹22.26
Face value ₹10
OPM (TTM)
90.6%
Net margin 93.1%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+28.3%
Latest quarter vs a year ago
Price to sales
6.69

Strengths and risks

Strengths

  • Return on equity of 21.7%.
  • Dividend yield of 3.38%.
  • Quarterly profit up 28.3% on a year ago.

Risks to check

  • 35% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About Housing & Urban Development Corporation

Housing and Urban Development Corporation Limited provides financing and credit for housing and infrastructure development projects in India. The company offers housing finance loans for social housing, residential real estate, and HUDCO Niwas; urban infrastructure finance loans for water supply, roads and transport, power, emerging sector, commercial infrastructure and others, social infrastructure and area development, and sewerage and drainage; and…

Headquarters
New Delhi
Employees
585
Sector
Financial Services
ISIN
INE031A01017
Website
hudco.org.in

Price range

52 weeks

₹141.81₹246.85

Today

₹153.65₹160.40
Avg volume (3M)
22.6 L
1-year return
minus 32.2%
From 52-week high
minus 35.2%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
HUDCOHousing & Urban Development Corporation159.96plus 1.22%32,0227.21.4021.7%2.6%33.3%3.38%minus 32.2%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrSep 25Dec 25Mar 26Jun 26Sep 26
1,0388187451,1761,192
2,1472,3942,4132,5612,857
2.833.823
9557886211,0661,122
25.6%9.6%−219.0%20.2%18.8%
7107131,981851911
3.553.569.904.254.55

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+33.3%
EPS CAGR 3Y
+33.3%
ROE
21.7%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,5772,9763,5983,431
–+15.5%+20.9%minus 4.6%
4,5044,9606,7468,926
11.39.910.612.5
0.67.2−0.327
2,2892,8433,6373,221
25.7%25.6%25.5%−25.2%
1,7012,1172,7094,034
–+24.4%+28.0%+48.9%
8.5010.5713.5320.15

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,0022,0022,0022,002
13,44214,61115,96719,974
62,90774,0031,07,3051,41,688
2,6182,8063,2223,175
80,96993,4221,28,4961,66,838
80.269.981.897.7
18.313.924.838.5
6306032,9614,382
14.325162.5
80,22792,4851,25,4221,62,318
80,96993,4221,28,4961,66,838

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−851−10,287−31,421−33,912
−352435−1,041−884
69110,17432,21834,793
−512322−244−3.5
−2.3−4.2−21.7−21.6
−853−10,291−31,442−33,934
−701−921−1,148−1,062

Shareholding pattern

Source: NSE filings
75.0%
promoters
  • Promoters75.00%
  • Public25.00%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202675.00%25.00%0.00
30 Jun 202675.00%25.00%0.00
31 Mar 202675.00%25.00%0.00
31 Dec 202575.00%25.00%0.00
30 Sep 202575.00%25.00%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you