Housing & Urban Development Corporation Ltd.

NSE: HUDCO  SECTOR: Finance - Housing

39.95
-1.4 (-3.39%)

Price Summary

Today's High

₹ 40.95

Today's Low

₹ 39.55

52 Week High

₹ 54.95

52 Week Low

₹ 20.65

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

7997.5905 Cr.

Advances

74223.56 Cr.

No. of Shares

200.19 Cr.

P/E

5.36

P/B

0.62

Face Value

₹ 10

Div. Yield

7.76%

Book Value (TTM)

₹  64.4689

Operating Revenue

7532.12 Cr.

Net Profit

1708.42 Cr.

Promoter Holding

89.81%

EPS (TTM)

₹  7.459

Sales Growth

35.5697546752101 %

ROE

14.6650151120679 %

ROCE

9.73172666452696 %

Profit Growth

44.7629538617972 %

* 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 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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

Income Growth (in Cr.)

1 Year35.57%
3 Year28.7%
5 Year16.95%

Profit Growth (in Cr.)

1 Year44.76%
3 Year26.61%
5 Year17.05%

ROE%

1 Year14.67%
3 Year12.18%
5 Year11.15%

ROCE %

1 Year9.73%
3 Year9.01%
5 Year9.1%

ROA%

2.27794223315994

PEG Ratio

0.12

PAT Margin (%)

22.6817947669448

EPS Growth(%)

44.7642957710641

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 89.81 0
Dec 2020 89.81 0
Sep 2020 89.81 0
Jun 2020 89.81 0
Mar 2020 89.81 0
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.323554399930652 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 28.7039099634326%.
  • The company has delivered substantial profit growth of 26.6077202620688% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 30.8077615799286%.
  • Promoters shareholding is 89.81%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Operating Revenue 1793.54 1888.49 1773.91 1856.78 1845.19
Other Income 8.85 11.91 7.88 8.72 8.08
Interest Expended 1205.05 1189.31 1198.78 1202.24 1205.42
Operating Expenses 241.76 164.25 310.94 51.97 61.39
Total Provisions 0 0 0 0 0
Depreciation 1.48 1.49 1.19 2.32 1.55
Profit Before Tax 354.1 545.35 270.88 608.97 584.91
Tax 148.16 104.39 67.45 151.68 193.38
Net Profit 205.94 440.96 203.43 457.29 391.53

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

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 3322.1 3532.96 4171.36 5555.9 7532.12
Other Income 97.39 134.97 62.78 43.58 39.52
Interest 1907.37 1986.32 2294.79 3070.51 4847.81
Operating Expenses 178.6 160.86 230.71 279.38 285.06
Total Provisions 261.58 346.01 300.01 386.38 264.24
Exceptional Items 5.16 0.26 0 0 0
Profit Before Tax 1077.1 1175 1408.63 1863.21 2174.53
Tax 293.31 333.19 398.45 683.06 466.11
Profit After Tax 783.79 841.81 1010.18 1180.15 1708.42
Adjusted EPS (Rs.) 3.92 4.21 5.05 5.9 8.53

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 2001.9 2001.9 2001.9 2001.9 2001.9
Total Reserves 6443.91 7165.35 7941.09 8953.87 10341.59
Borrowings 21342.02 24953.67 30059.74 54171.44 57271.54
Other N/C liabilities 808.8 771.63 477.38 1180.48 1099.22
Current liabilities 5599.86 4813.78 8880.44 7107.1 5867.74
Total Liabilities 36196.49 39706.33 49360.55 73414.79 76581.99
Assets
Loans 29501.1 33162.04 47056.67 70916.69 74223.56
Net Block 72.62 72.09 48.02 50.36 45.55
Capital WIP 28.27 31.82 35.09 38.59 51.56
Investments 368.53 368.52 550.66 555.72 252.79
Other Loans 40.93 37.16 49.43 997.41 863.55
Other N/C Assets 19.11 18.29 0.04 22.42 11.78
Current Assets 6165.93 6016.41 1620.64 833.6 1133.2
Total Assets 36196.49 39706.33 49360.55 73414.79 76581.99
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

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 1708.42 Cr and the compounded growth of profit in the past 3 years is 26.6077202620688 %. The PAT margin of Housing & Urban Dev. is 22.6817947669448 %.

  • 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 grew by 44.7642957710641 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Housing & Urban Dev. is at 14.6650151120679 % 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 39.95. The stock is trading at a current P/E ratio of 2.33770799156316 and the average historical P/E for the last 5 years was 4.62227454105249.

  • 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 0.619678635745297 . The average historical P/B for the last 5 years was 0.496157594573643. 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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