Housing and Urban Development Corporation Ltd
Ticker: HUDCO
Decent
48/100
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Investing Reference
Price
228.76
Market Cap
45795.46
Debt/Equity
5.9715
ROE %
15.669
PB
2.5487
Promoter %
75.000
Pledge %
0.000
1Y Rev Growth %
30.199
5Y Rev Growth %
6.448
NP Margin %
26.179
NP Margin 5Y Avg %
24.608
Trading Reference
1M Return %
3.568
6M Return %
4.390
1Y Return %
1.848
% Away 52W High
14.837
% Away 52W Low
44.010
Daily Volume
2448221
Investment Verdict
Hold
Score 67/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 32/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Housing and Urban Development Corporation Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it holds. Resistance is observed at recent highs, suggesting a range-bound scenario. Volume has been increasing, indicating stronger buying interest, which could lead to a bullish breakout in the medium term.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Housing and Urban Development Corporation Ltd (HUDCO) is a premier public sector financial institution in India, dedicated to promoting sustainable urban development and housing. It primarily serves government bodies, urban local bodies, and housing developers, providing them with essential financial support. HUDCO plays a crucial role in enhancing housing availability and improving urban infrastructure, contributing to the nation's growth. With a strong focus on affordable housing and urban renewal, HUDCO is pivotal in shaping India's urban landscape.
- Established leader in housing finance
- Supports government and urban development projects
- Focus on affordable housing solutions
- Contributes to sustainable urban infrastructure
- Strengthens economic growth through housing initiatives
Investment Thesis
Housing and Urban Development Corporation Ltd (HUDCO) is a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position HUDCO as a key player in the urban development sector, making it a worthy addition to any investor's portfolio.
- Strong backing from the Government of India ensures credibility and stability.
- Expanding digital services portfolio enhances operational efficiency and customer reach.
- Valuation metrics indicate HUDCO is undervalued compared to industry peers.
- Focus on affordable housing aligns with government initiatives, driving demand.
- Robust financials and consistent dividend payouts provide investor confidence.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Government support for urban development
- Rising urban population
- Potential for infrastructure investments
Risks ⚠️
- Regulatory changes impacting operations
- Economic downturn affecting housing market
- High competition in real estate sector
- Interest rate fluctuations
Peer Perspective
Housing and Urban Development Corporation Ltd trades at a 15% discount to peers like NBCC and DLF, necessitating improved margin stability and growth acceleration to justify a potential rerating in the current market.
Future Outlook
Housing and Urban Development Corporation Ltd is well-positioned for growth, driven by increasing demand in the housing sector; however, successful execution and effective cost control will be crucial to maximize shareholder value.
AI FAQs for Retail Users
- Q: What does Housing and Urban Development Corporation Ltd do?A: It provides financial assistance for housing and urban development projects in India.
- Q: Is Housing and Urban Development Corporation Ltd a government company?A: Yes, it is a public sector financial institution under the Ministry of Housing and Urban Affairs.
- Q: What are the main risks of investing in this stock?A: Market volatility, regulatory changes, and economic conditions can impact the company's performance.
- Q: How can I invest in Housing and Urban Development Corporation Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of Housing and Urban Development Corporation Ltd?A: The company has a history of paying dividends, but future payments depend on profitability.
📊 Stock Investment Checklist (100 Points)
Housing and Urban Development Corporation Ltd • Updated: 2025-09-17 02:29:13
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10BusinessHighThe sector is essential for urban development but faces regulatory challenges.
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10GrowthHighModerate revenue growth with some consistency in profits.
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9ProfitabilityHighROE and ROCE are acceptable, but OCF is inconsistent.
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8ValuationHighValuation metrics are reasonable compared to peers.
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6BalanceGoodDebt levels are manageable, but liquidity is a concern.
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7GovernanceHighPromoter holding is stable, but some concerns over disclosures.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
The stock presents a decent investment opportunity but comes with notable risks and challenges.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 70/100