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Housing & Urban Development Corporation Q4 FY26 Share Price & Earnings Call Analysis

₹143.07-3.09% today
Market cap
₹28,645 Cr
P/E
6.74
ROE
20.05%
PEG
0.21
Price to sales
2.05
Debt to equity
6.45
52W high / low
₹244 / ₹143
Sales growth (5Y)
12.59%
EBITDA margin
91.66%
Net profit margin
30.68%
Promoter holding
75.00%
Sales (last year)
₹13,930 Cr

Housing & Urban Development Corporation Ltd is primarily engaged in the business of financing housing and urban development activities in the country.[1]

Guidance scorecard · Q4 FY26 call

What Housing & Urban Development Corporation Ltd's management guided
and where it ranks in Finance

Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ3 FY26 call

20–40%
  • HUDCO targets a loan book of INR 3 lakh crores by FY 2030, aiming to achieve this milestone earlier than initially planned.
  • Disbursement guidance for the current financial year stands at around INR 50,000 crores, with steady growth expected.
  • The loan sanction pipeline is robust at around INR 2.5 lakh crores, supporting continued expansion.
  • Repayment trends of around INR 17,000-18,000 crores annually ensure healthy cash flows for reinvestment.
  • The company plans to maintain net interest margins of approximately 3% to 3.1% going forward.
  • Government backing through increased state allocations and reform-driven loans (like SASCI) will fuel demand.

2 more points from Housing & Urban Development Corporation Ltd's call on revenue

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Full Q3 FY26 analysis

MarginsQ3 FY26 call

Flat

See what Housing & Urban Development Corporation Ltd said on margins — free account, 30 seconds.

Full Q3 FY26 analysis

CapexQ3 FY26 call

Planned
  • HUDCO plans significant capital investments to support urban infrastructure development aligned with government policies.
  • Large-scale urban investment requirement of around INR 80 lakh crores between 2021-2036, approximately INR 7-8 lakh crores annually.
  • HUDCO's focus includes financing projects under Urban Challenge Fund, metro, water, waste, and sewerage sectors.
  • Committed loan sanction pipeline stands at around INR 2.5 lakh crores, with plans to sanction around INR 3 lakh crores worth of projects.
  • Disbursements target set at INR 50,000 crores for the financial year.
  • Emphasis on expanding loan book to INR 3 lakh crores by FY 2030, including working with PPP models and private sector in key infrastructure sectors.

2 more points from Housing & Urban Development Corporation Ltd's call on capex

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Full Q3 FY26 analysis

FundraisingQ3 FY26 call

Planned

See what Housing & Urban Development Corporation Ltd said on fundraising — free account, 30 seconds.

Full Q3 FY26 analysis

Order bookQ3 FY26 call

Rising
  • It highlights a strong loan book growth target of around INR 3 lakh crores by 2030, with a loan disbursement target of INR 50,000 crores for the current financial year.
  • HUDCO has crossed a loan book of INR 1.55 lakh crores, exceeding its FY '26 guidance of INR 1.5 lakh crores.
  • The company is involved in multiple large infrastructure and urban development projects across states, contributing to a robust pipeline.
  • Outlook is positive with significant demand in urban infrastructure financing fueled by government programs and state investment plans.
Full Q3 FY26 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Housing & Urban Development Corporation Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Financials of Housing & Urban Development Corporation Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Housing & Urban Development Corporation Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,8521,8431,8652,0132,0652,1882,5182,7602,8452,9373,2193,4313,563
Interest1,1501,1911,2171,3131,2401,4641,6621,7621,8591,9762,1472,3942,413
Expenses +-155605512847-13873-28109147320587
Financing Profit8575925936888176789949241,014852926717563
Financing Margin %46%32%32%34%40%31%39%33%36%29%29%21%16%
Other Income +10916101299810108327462
Depreciation3222223343334
Profit before tax8645986066969436851,0009321,020857955788621
Tax %26%25%26%25%26%19%31%21%29%26%26%10%-219%
Net Profit +6394464525197005586897357286307107131,981
EPS in Rs3.192.232.262.593.502.793.443.673.643.153.553.569.90
Gross NPA %
Net NPA %

Financials of Housing & Urban Development Corporation Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +3,3833,2703,5364,2285,5847,5677,2676,9867,0827,83110,34513,150
Interest1,7751,9081,9862,2953,0714,8484,7654,5334,5074,9616,7478,931
Expenses +477319468526652544277111279134-461,162
Financing Profit1,1311,0441,0821,4081,8612,1762,2252,3422,2962,7363,6443,057
Financing Margin %33%32%31%33%33%29%31%34%32%35%35%23%
Other Income +443798674111141174177
Depreciation5555567811101113
Profit before tax1,1701,0761,1751,4081,8632,1742,2292,3462,2892,8433,6373,221
Tax %34%27%28%28%37%21%29%27%26%26%26%-25%
Net Profit +7687838421,0101,1801,7081,5781,7161,7012,1172,7094,034
EPS in Rs383.803.914.215.045.898.537.898.578.5010.5713.5320.15
Dividend Payout %13%13%13%11%14%36%28%41%45%39%31%0%

Financials of Housing & Urban Development Corporation Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital2,0022,0022,0022,0022,0022,0022,0022,0022,0022,0022,0022,002
Reserves5,7796,4447,1667,9408,95310,34011,18612,46513,44214,61115,96619,974
Borrowing18,31525,44928,19636,27759,84861,43760,97861,50362,90573,996107,297141,677
Other Liabilities +7,0181,9991,9752,6952,0262,3472,7922,9242,6212,8143,2313,186
Total Liabilities33,11435,89439,33948,91472,82876,12676,95878,89480,96993,422128,496166,838
Fixed Assets +757372717165829390888888
CWIP253943353952392519151623
Investments7563673675275342322502576302971,3182,227
Other Assets +32,25935,41538,85748,28172,18575,77776,58878,51880,23093,022127,074164,500
Total Assets33,11435,89439,33948,91472,82876,12676,95878,89480,96993,422128,496166,838

Financials of Housing & Urban Development Corporation Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-182-4,965-2,598-7,830-23,400-1,3362,161-806-851-10,287-31,603-33,912
Cash from Investing Activity +-13372-5-41883-14-1-352435-939-884
Cash from Financing Activity +2044,6592,5097,85823,4221,365-1,0838169110,17432,21534,793
Net Cash Flow966-9324391121,063-726-512322-326-3
Free Cash Flow-193-4,982-2,606-7,837-23,408-1,3492,150-812-853-10,283-31,624-33,906
CFO/OP7%-155%-72%-199%-462%-13%37%-6%-6%-127%-298%-278%

Financials of Housing & Urban Development Corporation Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10%10%9%11%11%15%12%12%11%13%16%20%

Guidance history

How Housing & Urban Development Corporation Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q3 FY26 call →20–40%FlatPlannedPlannedRising
Q2 FY26 call →20–40%FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

4out of 100

Momentum score · price trend

4 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−40.3%12%
Last 6 months−35.2%5%
Last 3 months−26.7%9%

The price is 57.2% below its all-time high of ₹334 (12 Jul 2024). Stocks more than 20% below their peak have their score halved, so 9 became 4.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Housing & Urban Development Corporation Ltd: 0.4 × 12 + 0.4 × 5 + 0.2 × 9 = 9, halved to 4 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Housing & Urban Development Corporation Ltd's management said in earlier quarters

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