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Intrinsic value · Buy/Sell verdict · scores — free· 500 Nifty 500 stocks· EOD 2026-06-15

Housing & Urban Development Corporation Ltd.

HUDCO · NSE · Financial Services

₹209.54
+3.86 (+1.88%)
Our verdict
Strong Buy82/100
Quality75
Valuation94
Momentum82
Financial trend76
Intrinsic value
Our fair value
₹317.03
Undervalued by 51%
Price ₹209.54Range ₹269.47₹364.58

With a 20% margin of safety, our buy-below price is ₹253.62.

A
Financial health 100/100
From profitability & returns (bank/NBFC)

Piotroski F-score 1/9 — quality of earnings & balance sheet.

Investability checklist

Passed 8 of 12 checks67/100
  • ROE above 15%20.2%
  • Low debt (D/E < 0.5)6.46x
  • Positive free cash flow
  • Revenue growth > 10%6%
  • Earnings growing172%
  • Net margin ≥ 10%87.9%
  • Current ratio > 1.5698.07
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 71/9

1-year price

EOD · 2026-06-15
1W
+2.7%
1M
+1.5%
3M
+19.5%
6M
+0.6%
1Y

Our scores

Durability75
Valuation87
Momentum82
Analyst consensus target ₹225 (+7%) · 1 analysts

Key fundamentals

Market cap
₹41,948 Cr
P/E ratio
10.4
P/B ratio
2.32
EPS (TTM)
₹20.16
ROE
20.2%
Debt / Equity
6.46x
Profit margin
87.9%
Free cash flow
₹-33,934 Cr
52-week high
₹239.79
-12.62% from high
52-week low
₹159.58
Dividend yield
2.7%
Beta
0.86

SWOT snapshot

Strengths

  • Strong return on equity (20.2%).
  • Healthy profit margin (87.9%).

Weaknesses

  • High debt relative to equity.
  • Weak Piotroski score (1/9).

Opportunities

  • Earnings growing (172% YoY).
  • Trading in our value buy zone versus sector peers.
  • Trades ~51% below our estimated fair value.

About Housing & Urban Development Corporation Ltd.

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, joi

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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.