Housing and Urban Development Corporation (HUDCO) Fair Value & Analysis

Financial Services · IN · Market cap ₹410B

Below-average quality, screening 30% undervalued on our models.

What matters now

• Solid quality (47/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range ₹25.54 – ₹324.30 · fair‑value band ₹196.49 – ₹327.48 · the ₹201.04 price screens below the ₹261.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

Housing and Urban Development Corporation (HUDCO) currently trades at ₹201.04, while our model-based Fair Value estimate is ₹261.99, implying the stock looks roughly 30.3% undervalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Housing and Urban Development Corporation generated revenue of ₹45.9B at a net margin of 87.9%. Revenue grew 6.0% year over year. It earns a return on equity of 20.2%. Net debt stands at ₹1.4T. Fundamentals as of Jul 16, 2026

Our scenario range runs from ₹196.49 (bear case) to ₹327.48 (bull case); at ₹201.04, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 26% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 30%, HUDCO screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Earnings-Based (₹315.19) versus Asset-Based (₹73.55). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

Housing and Urban Development Corporation Limited provides loans and financing for housing and urban development projects in India.

Full company description

Housing and Urban Development Corporation Limited provides loans and financing for housing and urban development projects in India. The company offers term loans for state government agencies and their parastatals, such as development authorities, housing boards, urban local bodies, water supply, sewerage boards, and roads and bridges development corporations, as well as implementing agencies comprising state government bodies, co-operative societies, corporate borrowers, joint sectors, and retail. It also provides financing for infrastructure projects in the sectors of water supply; sewerage; drainage; solid waste management; roads and transport; power generation, transmission, distribution, and renovation; emerging sector; smart city; and social infrastructure projects, as well as commercial infrastructure projects, including office buildings spaces, business/trade centres, shopping malls, market complexes, theatres/multiplexes/entertainment centres, hotels, guest houses, terminal markets, multilevel parking, tourist centres, etc. In addition, the company offers research and training services, such as training capacity; research facilitation; partnership and networking; and documentation, dissemination, and publication. The company was incorporated in 1970 and is headquartered in New Delhi, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Housing and Urban Development Corporation reported revenue of ₹124B in FY2026 versus ₹70.0B in FY2022, a compound +15.4%/yr. Reported net income was ₹40.3B in FY2026, compounding +23.8%/yr from FY2022.

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Peer Group

Credit Services · 333 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.