HUDCO

Market Cap (₹ Cr.)

₹49,057

52 Week High

353.70

Book Value

₹83

52 Week Low

70.50

PE Ratio

22.02

PB Ratio

2.95

PE for Sector

21.33

PB for Sector

-4.95

ROE

11.02 %

ROCE

8.50 %

Dividend Yield

1.69 %

EPS

₹11.13

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

12.16 %

Net Income Growth

24.41 %

Cash Flow Change

-1,109.25 %

ROE

15.65 %

ROCE

0.08 %

EBITDA Margin (Avg.)

2.33 %

Financial Results

Quarterly Financials	Mar 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	931	652	1,060	891	858	978	907	931	972	1,102	1,237	1,614	1,233	1,320	1,493	1,816	2,054	1,802	1,900	1,782	1,866	1,853	1,778	1,798	1,746	1,709	1,744	1,757	1,747	1,720	1,862	1,851	1,881	2,023	2,194	2,197
Expenses	1	65	52	167	41	218	43	268	35	153	75	332	124	104	161	90	49	242	164	311	52	61	-146	108	97	304	-399	85	103	245	-155	60	55	12	8	47
EBITDA	931	587	1,008	725	817	760	865	663	937	949	1,162	1,282	1,109	1,216	1,333	1,726	2,005	1,561	1,736	1,471	1,814	1,792	1,924	1,690	1,648	1,405	2,143	1,672	1,643	1,475	2,017	1,791	1,826	2,011	2,186	2,150
Operating Profit %	100 %	91 %	95 %	81 %	95 %	76 %	95 %	70 %	96 %	86 %	94 %	79 %	90 %	92 %	89 %	95 %	98 %	87 %	91 %	82 %	97 %	97 %	108 %	94 %	94 %	82 %	123 %	95 %	94 %	86 %	108 %	97 %	97 %	99 %	100 %	98 %
Depreciation	2	0	0	1	1	1	1	1	1	2	1	1	1	1	1	1	1	1	1	1	2	2	2	1	2	2	3	3	3	3	3	2	2	2	2	2
Interest	434	463	504	519	500	490	478	525	539	564	670	783	685	680	922	1,209	1,244	1,205	1,189	1,199	1,202	1,205	1,158	1,145	1,150	1,141	1,097	1,117	1,109	1,132	1,150	1,191	1,217	1,313	1,240	1,464
Profit Before Tax	495	124	504	204	316	269	386	137	397	383	491	497	422	534	409	515	760	354	545	271	609	585	764	544	497	262	1,043	553	532	340	864	598	606	696	943	685
Tax	151	40	106	87	84	120	102	93	101	124	122	183	126	150	125	139	102	99	111	98	116	112	97	113	102	96	108	109	111	101	114	113	114	124	160	126
Net Profit	317	84	398	139	206	182	315	162	266	259	324	333	282	328	236	336	726	206	441	203	457	392	526	405	370	195	747	412	396	254	639	446	452	519	700	558
EPS in ₹	1.58	0.42	1.99	0.69	1.03	0.91	1.58	0.81	1.33	1.29	1.62	1.70	1.41	1.64	1.18	1.68	3.63	1.03	2.20	1.02	2.28	1.96	2.63	2.02	1.85	0.97	3.73	2.06	1.98	1.27	3.19	2.23	2.26	2.59	3.50	2.79

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	33,113	35,878	39,322	48,915	72,829	76,127	76,959	78,895	80,971	93,424
Fixed Assets	75	73	72	71	71	65	82	93	90	88
Current Assets	5,484	5,848	5,632	1,177	1,221	1,509	2,296	1,528	993	1,657
Capital Work in Progress	25	28	32	35	39	52	39	25	19	15
Investments	400	0	0	528	536	234	251	259	631	299
Other Assets	32,614	35,777	39,218	48,281	72,185	75,777	76,588	78,518	80,230	93,022
Total Liabilities	25,332	27,432	30,155	38,972	61,873	63,784	63,770	64,427	65,526	76,810
Current Liabilities	6,178	5,282	4,430	4,887	3,421	3,133	3,658	4,663	3,384	8,240
Non Current Liabilities	19,154	22,151	25,725	34,085	58,452	60,650	60,112	59,764	62,142	68,570
Total Equity	7,781	8,446	9,167	9,943	10,956	12,344	13,189	14,468	15,445	16,614
Reserve & Surplus	5,779	6,444	7,165	7,941	8,954	10,342	11,187	12,466	13,443	14,612
Share Capital	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	9	60	-93	24	39	112	1,063	-726	-512	322
Investing Activities	-13	381	-4	-4	18	83	-14	-1	-353	435
Operating Activities	-182	-4,968	-2,598	-7,830	-23,400	-1,336	2,161	-806	-850	-10,287
Financing Activities	204	4,646	2,509	7,858	23,422	1,365	-1,083	81	691	10,174

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	89.81 %	89.81 %	81.81 %	81.81 %	81.81 %	81.81 %	81.81 %	81.81 %	81.81 %	81.81 %	81.81 %	75.17 %	75.00 %	75.00 %
FIIs	0.10 %	0.13 %	0.21 %	0.17 %	0.21 %	0.22 %	0.24 %	0.12 %	0.30 %	0.32 %	0.65 %	1.20 %	1.91 %	2.70 %
DIIs	2.29 %	2.15 %	8.66 %	8.27 %	7.96 %	7.81 %	7.61 %	7.31 %	7.30 %	7.19 %	7.15 %	11.80 %	11.39 %	11.65 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	7.81 %	7.91 %	9.32 %	9.76 %	10.02 %	10.17 %	10.35 %	10.76 %	10.60 %	10.69 %	10.39 %	11.83 %	11.70 %	10.65 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	160.12	1,51,139.20	86.42	7,617.71	34.46	1,731	46,062.86	-
HUDCO	230.50	49,056.56	22.02	7,948.10	12.16	2,117	25.15	24.62
LIC Housing Finance	663.65	37,129.25	7.82	27,277.80	20.02	4,760	-0.96	42.25
PNB Housing Finance	1,015.30	27,333.34	17.15	7,057.09	8.08	1,508	24.61	53.94
Aadhar Housing Finance	459.70	19,538.07	24.31	2,586.98	26.59	750	36.79	63.35
Aptus Value Housing Finance	347.25	16,655.60	25.98	1,416.84	24.98	612	20.73	69.13
Aavas Financiers	1,869.30	14,461.15	29.49	2,020.69	25.46	491	14.81	62.98
Sammaan Capital	158.18	11,816.40	9.47	8,624.77	-1.16	1,217	11.00	46.99
Can Fin Homes	851.85	11,736.87	15.31	3,524.70	28.49	751	8.83	45.78
Home First Finance Company	1,213.35	10,463.61	32.26	1,156.55	45.37	306	26.98	62.63