Housing & Urban Development Corporation Ltd.

NSE: HUDCO BSE: 540530 SECTOR: Finance - Housing  52k   594   114

38.65
+0.70 (1.84%)
NSE: Today, 01:14 PM

Price Summary

Today's High

₹ 39.5

Today's Low

₹ 38.4

52 Week High

₹ 47.2

52 Week Low

₹ 30.6

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

7737.34 Cr.

Advances

74246.12 Cr.

No. of Shares

200.19 Cr.

P/E

4.49

P/B

0.52

Face Value

₹ 10

Div. Yield

9.21 %

Book Value (TTM)

₹  74.33

Operating Revenue

7235.53 Cr.

Net Profit

1578.58 Cr.

Promoter Holding

81.81 %

EPS (TTM)

₹  8.61

Sales Growth

-3.94

ROE

12.37 %

ROCE

9.45%

Profit Growth

-7.6 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year-3.94%
3 Year20.15%
5 Year16.85%

Profit Growth

1 Year-7.6%
3 Year16.04%
5 Year15.03%

ROE%

1 Year12.37%
3 Year12.77%
5 Year11.69%

ROCE %

1 Year9.45%
3 Year9.21%
5 Year9.07%

ROA%

2.05062813785576

PEG Ratio

NA

PAT Margin (%)

21.8170610860573

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 81.81 0
Mar 2022 81.81 0
Dec 2021 81.81 0
Sep 2021 81.81 0
Jun 2021 89.81 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.666336165227973 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 20.1517483748483%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 16.4173003599307%.
  • Promoters shareholding is 81.81%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 1790.31 1736.92 1699.92 1726.93 1749.27
Other Income 8.04 8.7 9.49 17.35 8.05
Interest Expended 1144.7 1150.01 1141.29 1096.53 1116.79
Operating Expenses 108.33 97.36 304.41 -398.81 84.99
Total Provisions 0 0 0 0 0
Depreciation 1.47 1.54 1.57 3.32 2.76
Profit Before Tax 543.85 496.71 262.14 1043.24 552.78
Tax 139.23 126.26 67.51 296.34 141.02
Net Profit 404.62 370.45 194.63 746.9 411.76

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 3532.96 4171.36 5555.9 7532.12 7235.53
Other Income 134.97 62.78 43.58 39.57 229.05
Interest 1986.32 2294.79 3070.51 4847.86 4764.82
Operating Expenses 160.86 230.71 279.38 285.06 246.42
Total Provisions 346.01 300.01 386.38 264.24 224.7
Exceptional Items 0.26 0 0 0 0
Profit Before Tax 1175 1408.63 1863.21 2174.53 2228.64
Tax 333.19 398.45 683.06 466.11 650.06
Profit After Tax 841.81 1010.18 1180.15 1708.42 1578.58
Adjusted EPS (Rs.) 4.21 5.05 5.9 8.53 7.89

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 2001.9 2001.9 2001.9 2001.9 2001.9
Total Reserves 7165.35 7941.09 8953.87 10341.59 11187.15
Borrowings 24953.67 30059.74 54171.44 57271.55 59459.17
Other N/C liabilities 771.63 477.38 1180.48 644.22 976.72
Current liabilities 4813.78 8880.44 7107.1 6322.73 3753.7
Total Liabilities 39706.33 49360.55 73414.79 76581.99 77378.64
Assets
Loans 33162.04 47056.67 70916.69 74223.56 74246.12
Net Block 72.09 48.02 50.36 45.55 62.89
Capital WIP 31.82 35.09 38.59 51.56 17.49
Intangible WIP 0 0 0 0 21.15
Investments 368.52 550.66 555.72 252.79 269.49
Other Loans 37.16 49.43 997.41 406.63 386.29
Other N/C Assets 18.29 0.04 22.42 11.71 14.38
Current Assets 6016.41 1620.64 833.6 1590.19 2360.83
Total Assets 39706.33 49360.55 73414.79 76581.99 77378.64
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 89.81 81.81 81.81 81.81 81.81
the president of i... 61.08 61.08 61.08 59.00 59.00
the president of i... 20.73 20.73 20.73 20.73 20.73
president of india... - - - 10.08 10.08
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 10.19 18.19 18.19 18.19 18.19
life insurance cor... 5.78 5.78 5.78 - -
life insurance cor... - - - 1.53 -
hdfc trustee compa... 1.37 1.31 1.16 - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ2FY20 9 Jan 2020
  • PresentationQ4FY21 30 Jun 2021
  • PresentationQ4FY20 29 Jun 2020
  • PresentationQ1FY22 29 Jul 2021
  • PresentationQ4FY21 29 Jul 2021
  • PresentationQ2FY22 22 Nov 2021
  • PresentationQ1FY21 15 Sep 2020
  • PresentationQ3FY22 12 Feb 2022

Company News

Housing & Urban Dev. - Quaterly Results8 Aug 2022, 3:05PM Housing & Urban Dev. - Quaterly Results8 Aug 2022, 3:05PM Housing & Urban Dev. - Quaterly Results8 Aug 2022, 3:05PM HUDCO gets nod to raise Rs 22,000 crore through bonds in FY2328 Jul 2022, 4:21PM Housing & Urban Development Corporation informs about board meeting22 Jul 2022, 4:48PM Housing & Urban Development Corporation informs about closure of trading window16 Jun 2022, 4:31PM Housing & Urban Dev. - Quaterly Results27 May 2022, 4:44PM Housing & Urban Dev. - Quaterly Results27 May 2022, 4:44PM Housing & Urban Dev. - Quaterly Results27 May 2022, 4:44PM Housing & Urban Development Corporation informs about closure of trading window28 Mar 2022, 4:00PM Housing & Urban Development Corporation informs about appointment of secretarial auditors23 Mar 2022, 3:49PM HUDCO gets nod to raise Rs 7000 crore during FY2323 Mar 2022, 9:11AM Housing & Urban Development Corporation informs about outcome of board meeting22 Mar 2022, 5:21PM HUDCO planning to raise funds16 Mar 2022, 3:36PM Housing & Urban Dev. - Quaterly Results11 Feb 2022, 1:11PM Housing & Urban Dev. - Quaterly Results11 Feb 2022, 1:11PM Housing & Urban Dev. - Quaterly Results11 Feb 2022, 1:11PM Housing & Urban Development Corporation informs about change in directorate7 Jan 2022, 4:55PM Housing & Urban Development Corporation informs about related party transactions9 Dec 2021, 5:03PM Housing & Urban Development Corporation informs about compliance certificate 13 Oct 2021, 1:16PM Housing & Urban Development Corporation informs about appointment of statutory auditors1 Sep 2021, 1:16PM Housing and Urban Development Corporation informs about disclosure 30 Jul 2021, 12:39PM Institutional buyers put in Rs 870 crore of bids for HUDCO share sale28 Jul 2021, 1:23PM Housing & Urban Development Corporation informs about corporate presentation 12 Jul 2021, 4:47PM Housing & Urban Development Corporation informs about record date 16 Apr 2021, 1:04PM Housing & Urban Development Corporation board declares interim dividend18 Mar 2021, 1:19PM Housing & Urban Development Corporation informs about board meeting16 Mar 2021, 11:13AM Housing & Urban Development Corporation informs about international credit rating11 Jun 2020, 12:30PM HUDCO gets nod to raise Rs 1,470 crore via bonds12 May 2020, 3:27PM Housing and Urban Development Corporation informs about change in directorate18 Apr 2020, 12:06PM

Housing & Urban Dev. Stock Price Analysis and Quick Research Report. Is Housing & Urban Dev. an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Housing & Urban Dev. better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 1578.58 Cr and the compounded growth of profit in the past 3 years is 16.0438058725068 %. The PAT margin of Housing & Urban Dev. is 21.8170610860573 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Housing & Urban Dev. , the EPS declined by -7.60018748535272 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Housing & Urban Dev. is at 12.3652405910262 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Housing & Urban Dev. is worth at the current levels at Rs 39. The stock is trading at a current P/E ratio of 5.56724461224645 and the average historical P/E for the last 5 years was 5.73573754767582.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Housing & Urban Dev. is trading at a P/B of 0.5112 . The average historical P/B for the last 5 years was 0.629424827619237. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Housing & Urban Dev.

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