HUDCO Share Price | Housing and Urban Development Corporation Limited (HUDCO), established in 1970, is a public sector undertaking that focuses on financing and developing housing and urban infrastructure in India. HUDCO provides loans and financial assistance to various government departments, private and public sector organizations and undertakings for affordable housing, urban development and infrastructure. With a vision of inclusive growth, HUDCO aims to enhance the quality of urban life by providing funds for housing for economically weaker sections.
Fundamentals
Market Cap – ₹45,513.20 Cr.
P/E – 18.46
P/B – 2.66
Face Value – ₹10
Div. Yield – 1.91%
Book Value (TTM) – ₹85.54
ROE – 13.21%
ROCE – 9.24%
52 Week High – ₹353.95
52 Week Low – ₹145.45
Shareholdings
Promoters – 75%
FII – 2.1%
DII – 9.7%
Public – 13.2%
Others – 0.0%
HUDCO Share Price Target (2025 to 2030)
HUDCO Share Target Years
Share Targets
2025
₹303
2026
₹461
2027
₹505
2028
₹559
2029
₹628
2030
₹857
Income Statement
INR
2024
Y/Y Change
Revenue
31.78B
19.65%
Operating Expense
3.35B
-3.73%
Net Income
21.17B
24.41%
Net Profit Margin
66.61
3.96%
Earnings Per Share
—
—
EBITDA
—
—
Effective Tax Rate
25.56%
—
Balance Sheet
INR
2024
Y/Y Change
Cash and Short-term Investments
6.76B
1,312.27%
Total Assets
934.22B
15.38%
Total Liabilities
768.10B
17.22%
Total Equity
166.13B
—
Shares Outstanding
2.00B
—
Price to Book
2.76
—
Return on Assets
2.43%
—
Return on Capital
—
—
Factors Affecting
Government housing policies: Programmes such as the Pradhan Mantri Awas Yojana (PMAY) and other affordable housing initiatives directly impact HUDCO’s loan disbursement and project financing.
Urban infrastructure development: Increased spending on urban infrastructure such as smart cities, urban transport and water supply systems boosts HUDCO’s project pipeline and revenues.
Economic growth: Strong GDP growth leads to more public and private investment in housing and infrastructure, increasing the demand for HUDCO’s financial services.
Interest rate trends: As a financial institution, HUDCO’s borrowing costs and profitability are affected by changes in interest rates set by the Reserve Bank of India (RBI).
Loan book growth: Expansion of HUDCO’s loan portfolio, especially in housing finance and urban infrastructure projects, positively impacts revenues and investor sentiment.
Government ownership and support: As a government-owned entity, HUDCO benefits from underlying sovereign support, which enhances its creditworthiness and market sentiment.
Demand for affordable housing: Growing demand for affordable housing in urban and rural areas drives loan disbursement and interest income.
NPA (non-performing assets) management: Effective management of NPAs and asset quality is critical to maintain profitability and investor confidence.
Focus on rural housing: Expansion in rural housing finance and support for low-cost housing projects enhances HUDCO’s reach and impact.
Financing cost efficiency: Securing low-cost funds through bonds, government borrowings or other instruments positively impacts HUDCO’s margins.
Dividend policy: Regular dividend payments and attractive yields make HUDCO shares attractive to long-term investors.
Infrastructure investments: Increased public and private investments in transport, energy, and urban infrastructure projects drive demand for HUDCO’s financing services.
Financial performance: Key metrics such as net interest income (NII), profit after tax (PAT), and capital adequacy ratio significantly impact the stock price.
Policy and regulatory changes: Government policies related to housing finance, urban development or infrastructure development directly impact HUDCO’s operations.
ESG compliance: Investments in sustainable and environmentally friendly projects align HUDCO with global ESG trends, thereby attracting socially responsible investors.
Sector competition: Performance relative to competitors such as PNB Housing Finance, LIC Housing Finance and HDFC Ltd. impacts HUDCO’s market position.
Public-private partnerships (PPP): Increasing participation in PPPs for infrastructure and housing projects provides HUDCO with long-term growth opportunities.
Changes in credit rating: Any upgrade or downgrade in HUDCO’s credit rating impacts its borrowing costs and market valuations.
Urbanisation trends: Rapid urbanisation and migration to cities drives demand for housing and urban infrastructure, thereby benefiting HUDCO’s business.
Global economic trends: External factors such as global inflation or geopolitical developments can indirectly impact HUDCO’s operations and borrowing costs.
Technology Adoption: Implementation of advanced technology for loan processing and project management improves efficiency and customer satisfaction.
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