Housing & Urban Development Corporation Ltd

₹ 201 -2.67%

21 Nov - close price

About

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

Key Points

Ratios 9MFY24
Yield on Loans - 9.32%
Cost of Funds - 7.7%
Net Interest Margin - 3.18%^[1]
Gross NPA - 3.14%
Net NPA - 0.44%^[2]

Website BSE NSE

Market Cap ₹ 40,305 Cr.
Current Price ₹ 201
High / Low ₹ 354 / 81.2
Stock P/E 16.4
Book Value ₹ 85.5
Dividend Yield 2.06 %
ROCE 9.23 %
ROE 13.2 %
Face Value ₹ 10.0

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Pros

Company has been maintaining a healthy dividend payout of 41.8%

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 6.99% over past five years.
Company has a low return on equity of 12.3% over last 3 years.
Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of BSE 400 MidSmallCap Index Nifty 200 Nifty Alpha 50 BSE CPSE BSE Allcap BSE SmallCap Select Index BSE 150 MidCap Index Nifty 500 BSE SmallCap Nifty 500 Multicap 50:25:25 BSE PSU Nifty LargeMidcap 250 BSE 500 Nifty Total Market BSE 250 LargeMidCap Index BSE Financial Services Nifty Midcap 150 Nifty Midcap 100 Nifty MidSmallcap 400

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Revenue	1,737	1,700	1,727	1,749	1,739	1,710	1,852	1,843	1,865	2,013	2,065	2,188	2,518
Interest	1,150	1,141	1,097	1,117	1,109	1,132	1,150	1,191	1,217	1,313	1,240	1,464	1,662
	97	304	-399	85	103	245	-155	60	55	12	8	47	-138
Financing Profit	490	254	1,029	547	527	333	857	592	593	688	817	678	994
Financing Margin %	28%	15%	60%	31%	30%	19%	46%	32%	32%	34%	40%	31%	39%
	9	9	17	8	8	10	10	9	16	10	129	9	8
Depreciation	2	2	3	3	3	3	3	2	2	2	2	2	3
Profit before tax	497	262	1,043	553	532	340	864	598	606	696	943	685	1,000
Tax %	25%	26%	28%	26%	26%	25%	26%	25%	26%	25%	26%	19%	31%
	370	195	747	412	396	254	639	446	452	519	700	558	689
EPS in Rs	1.85	0.97	3.73	2.06	1.98	1.27	3.19	2.23	2.26	2.59	3.50	2.79	3.44
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	2,886	2,978	3,383	3,270	3,536	4,228	5,584	7,567	7,267	6,986	7,082	7,829	8,784
Interest	1,567	1,702	1,775	1,908	1,986	2,295	3,071	4,848	4,765	4,533	4,507	4,961	5,679
	309	192	477	319	468	526	652	544	277	111	279	134	-72
Financing Profit	1,010	1,084	1,131	1,044	1,082	1,408	1,861	2,176	2,225	2,342	2,296	2,734	3,177
Financing Margin %	35%	36%	33%	32%	31%	33%	33%	29%	31%	34%	32%	35%	36%
	56	25	44	37	98	6	7	4	11	11	4	119	156
Depreciation	5	4	5	5	5	5	5	6	7	8	11	10	9
Profit before tax	1,061	1,105	1,170	1,076	1,175	1,408	1,863	2,174	2,229	2,346	2,289	2,843	3,324
Tax %	34%	34%	34%	27%	28%	28%	37%	21%	29%	27%	26%	26%
	700	734	768	783	842	1,010	1,180	1,708	1,578	1,716	1,701	2,117	2,466
EPS in Rs	349.51	366.64	383.80	3.91	4.21	5.04	5.89	8.53	7.89	8.57	8.50	10.57	12.32
Dividend Payout %	21%	14%	13%	13%	13%	11%	14%	36%	28%	41%	45%	39%

Compounded Sales Growth
10 Years:	10%
5 Years:	7%
3 Years:	3%
TTM:	21%

Compounded Profit Growth
10 Years:	11%
5 Years:	12%
3 Years:	10%
TTM:	38%

Stock Price CAGR
10 Years:	%
5 Years:	37%
3 Years:	71%
1 Year:	142%

Return on Equity
10 Years:	12%
5 Years:	13%
3 Years:	12%
Last Year:	13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002
Reserves	4,513	5,130	5,779	6,444	7,166	7,940	8,953	10,340	11,186	12,465	13,442	14,611	15,121
	13,553	18,888	18,315	25,449	28,196	36,277	59,848	61,437	60,978	61,503	62,905	73,996	93,565
	6,881	4,204	7,018	1,999	1,975	2,695	2,026	2,347	2,792	2,924	2,621	2,814	3,231
Total Liabilities	26,949	30,224	33,114	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	113,919
	71	68	75	73	72	71	71	65	82	93	90	88	87
CWIP	18	27	25	39	43	35	39	52	39	25	19	15	14
Investments	684	754	756	367	367	527	534	232	250	257	630	297	834
	26,176	29,376	32,259	35,415	38,857	48,281	72,185	75,777	76,588	78,518	80,230	93,022	112,984
Total Assets	26,949	30,224	33,114	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	113,919

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	1,988	-3,663	-182	-4,965	-2,598	-7,830	-23,400	-1,336	2,161	-806	-851	-10,287
	532	-80	-13	372	-5	-4	18	83	-14	-1	-352	435
	-2,182	3,375	204	4,659	2,509	7,858	23,422	1,365	-1,083	81	691	10,174
Net Cash Flow	338	-368	9	66	-93	24	39	112	1,063	-726	-512	322

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	11%	11%	10%	10%	9%	11%	11%	15%	12%	12%	11%	13%

Shareholding Pattern

Numbers in percentages

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	81.81%	75.17%	75.00%	75.00%	75.00%
	0.17%	0.21%	0.22%	0.24%	0.12%	0.30%	0.32%	0.65%	1.20%	1.91%	2.70%	2.32%
	8.26%	7.96%	7.81%	7.60%	7.30%	7.29%	7.17%	7.15%	11.80%	11.39%	11.64%	9.05%
	9.76%	10.02%	10.17%	10.34%	10.77%	10.61%	10.69%	10.41%	11.83%	11.70%	10.66%	13.63%
No. of Shareholders	3,17,007	3,27,104	3,27,091	3,28,228	3,26,427	3,30,615	3,39,744	3,37,806	3,89,764	5,52,637	6,39,411	9,25,775

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
	89.81%	89.81%	89.81%	89.81%	81.81%	81.81%	75.00%	75.00%
	0.34%	0.07%	0.14%	0.10%	0.21%	0.30%	1.91%	2.32%
	3.19%	2.80%	2.76%	2.29%	7.96%	7.29%	11.39%	9.05%
	6.66%	7.32%	7.29%	7.81%	10.02%	10.61%	11.70%	13.63%
No. of Shareholders	2,82,408	2,83,266	2,70,553	2,81,306	3,27,104	3,30,615	5,52,637	9,25,775

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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