Housing and Urban Development Corporation Ltd
Ticker: HUDCO
Decent
48/100
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Investing Reference
Price
237.00
Market Cap
47445.03
Debt/Equity
5.9715
ROE %
15.669
PB
2.6405
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 %
6.047
6M Return %
6.771
1Y Return %
9.101
% Away 52W High
10.844
% Away 52W Low
49.197
Daily Volume
6042631
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 46/100 · 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.
Summary
Housing and Urban Development Corporation Ltd shows stable growth potential in the urban infrastructure sector.
✅ Positives
- Strong government support for housing projects
- Consistent revenue growth over the past years
- Diverse project portfolio across urban development
⚠️ Negatives
- High dependency on government funding
- Exposure to economic downturns
- Regulatory challenges in project approvals
Verdict
Moderate growth potential with some risks.
Recommendation: Consider buying for long-term investment.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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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