Housing & Urban Development Corporation Ltd.
NSE: HUDCOHousing & Urban Development Corporation Ltd.: A 30-second snapshot
HUDCO trades at a PE of 9.18x (forward 8.13x), the lowest among the (imperfectly comparable) financial-sector peer set in this dataset, alongside a 3.04% dividend yield. The stock is at ₹195.86, down 5.5% over 1 year and 10.4% over the trailing 3 months, sitting below both its 50-DMA (₹204.26) and 200-DMA (₹204.81) and 18.8% off its 52-week high. Recent news flow has centered on an Odisha government MoU for up to ₹1 lakh crore of urban-infrastructure financing and a stated FY27 zero-NPA target, both announced intent rather than booked results.
P/E
9.2
Forward P/E
8.1
ROE
—
Debt / Equity
645.77
Profit Margin
+90.7%
Div. Yield
+3.0%
5Y ROE > 15%
2/5
5Y FCF > 0
0/5
Quality
64/100
News
8 headlines · 6 positive · 0 negative
State-run HUDCO targets zero NPAs by FY27-end as loan book nears Rs.2 trillion - TradingView
TradingView
Odisha secures ₹1 trillion Hudco term loans for urban transformation - Business Standard
Business Standard
Odisha govt, HUDCO pact for Rs 1 lakh crore urban infrastructure financing over 5 years - The New Indian Express
The New Indian Express
HUDCO signs MoU with Odisha govt to provide Rs 1 lakh crore in term loan for urban infrastructure projects - ANI News
ANI News
Hudco to provide Rs1L cr loan for 12 satellite townships in state - The Times of India
The Times of India
Recent context
- ·An Odisha government MoU reported across multiple outlets in mid-July announced up to ₹1 lakh crore in term financing for urban infrastructure and satellite townships over five years — an announced pipeline rather than a booked disbursement.
- ·A late-July report cited a management target of zero NPAs by FY27-end alongside a loan book described as nearing ₹2 trillion.
- ·Despite the positive tilt in news flow, the stock has declined 10.4% over the trailing 3 months and remains below both moving averages.
Strengths
- +5-year earnings growth of 34.9% CAGR has outpaced 9.8% revenue growth over the same period.
- +PE of 9.18x (forward 8.13x) is the lowest in its listed peer set (ranked 1st of 6 on PE), alongside a 3.04% dividend yield.
- +News sentiment over the tracked window skews positive (6 of 8 headlines), including a stated target of zero NPAs by FY27-end as the loan book nears ₹2 trillion.
- +Quality score of 57 ranks 3rd of 6 in its peer group, ahead of three of the five peers shown.
Weaknesses
- −Price is below both the 50-DMA (₹204.26) and 200-DMA (₹204.81) and 18.8% off its 52-week high, with the 3-month decline (-10.4%) steeper than the 1-year change (-5.5%).
- −The peer set used for sector comparison (large private banks/NBFCs) is not a close structural match for a government-backed housing/infrastructure financier, limiting the read on relative valuation and quality ranking.
- −Free cash flow has been negative in every tracked year and the debt trend is rising (debt-to-equity of approximately 6.46x); this is typical for a lender funded through borrowings, but no self-funded year is visible in the data tracked.
- −ROE is not available and analyst coverage is limited to a single rating, so quality-persistence and sell-side context are both thin.
Open questions
- ?How much of the announced ₹1 lakh crore Odisha financing pipeline is expected to convert into disbursed loans, and over what timeframe?
- ?What is driving the gap between the 5-year earnings CAGR (34.9%) and the free-cash-flow profile (zero of the tracked years positive) — loan-book growth, provisioning, or funding mix?
- ?Does the government-backed HFC business model make comparison against large private banks/NBFCs meaningful for valuation purposes, or would a narrower peer set change the read?
- ?What would need to be true of asset-quality trends for the stated FY27 zero-NPA target to be met, and how has the NPA ratio moved in recent quarters?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| HUDCO | Housing & Urban Development Corporation Ltd.You're viewing | 9.2 | — | 57 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹195.86
SMA 50
₹204.26
SMA 200
₹204.81
RSI (14)
42.1 (neutral)
From 52w high
-18.8%
1Y return
-5.5%
3M return
-10.4%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumHUDCO is grouped in this dataset with large private banks and diversified NBFCs (AXISBANK, HDFCBANK, BAJFINANCE, BAJAJFINSV, HDFCLIFE) rather than with government-backed housing/infrastructure financiers; its PE ranking (1st of 6, cheapest) and quality-score ranking (3rd of 6) against this peer set carry limited comparability given the different funding models and risk profiles.
- mediumCurrent price of ₹195.86 sits below both the 50-DMA (₹204.26) and 200-DMA (₹204.81), and the 3-month price change of -10.4% is steeper than the -5.5% seen over the trailing 1 year, indicating the pullback has been concentrated in the most recent quarter.
- lowAnalyst coverage is limited to a single analyst (rating of 1 on a 1-5 scale, lower = more constructive) and ROE is not available in this dataset; both figures should be read as thin-sample or incomplete rather than a broad consensus.
- lowReported profit margin of 90.68% is well above the roughly 30-45% net-margin range typical for housing finance companies and may reflect a narrower revenue base in the underlying data. Free cash flow has been negative in every tracked year, which is common for a lender funding loan growth through borrowings (debt-to-equity of approximately 6.46x, debt trend rising) but leaves no observed self-funded year in the window tracked.
Cross-section contradictions
- News sentiment over the tracked window is entirely positive (6 of 8 headlines positive, 0 negative), driven largely by an Odisha government MoU for up to ₹1 lakh crore of urban-infrastructure term financing, yet the stock is down 10.4% over the trailing 3 months and trades below both its 50-DMA and 200-DMA — the announced financing intent has not shown up in price action so far.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days