Housing and Urban Development Corporation Limited
Valuation (93/100) does the heavy lifting; momentum (21/100) is the drag.
Buy zoneHousing and Urban Development Corporation Limited earns a Buy from StocksWizard, with a blended score of 70/100. At ₹195.1 it trades below our blended DCF and relative-multiples fair value of ₹380.93, about 95% upside to that estimate — we read it as undervalued by 95%. On 9.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 18% below its 52-week high of ₹238.27 and 23% above the low of ₹158.57. Financial health scores 100/100, with a Piotroski F-score of 1/9. The average analyst target of ₹250 implies about 28% upside across 1 analysts. It clears 6 of 12 investability checks, with durability 75, valuation 85 and momentum 21 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹304.74. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-18.12% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy70Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 20.2%
- Fail: Low debt (D/E < 0.5): 6.46x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 6%
- Pass: Earnings growing: 172%
- Pass: Net margin ≥ 10%: 87.9%
- Pass: Current ratio > 1.5: 698.07
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter75.0%
- Institutions10.7%
- Public & other14.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (20.2%).
- Healthy profit margin (87.9%).
Opportunities
- Earnings growing (172% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~95% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (1/9).
About Housing and Urban Development Corporation Limited
Housing and Urban Development Corporation Limited finances housing and urban development projects in India through term loans to state government agencies, their parastatals including development authorities and housing boards, urban local bodies, water and sewerage boards, roads and bridges corporations, and implementing agencies comprising state bodies, cooperative societies, and corporate borrowers.
Housing and Urban Development Corporation Limited — frequently asked questions
Is Housing and Urban Development Corporation Limited a buy, hold or sell?
StocksWizard currently rates Housing and Urban Development Corporation Limited (HUDCO) a Buy, based on a blended score of 70/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Housing and Urban Development Corporation Limited's fair value?
Our blended DCF and relative-valuation model estimates Housing and Urban Development Corporation Limited's fair value at about ₹380.93, versus a current price of ₹195.1 — roughly 95% upside. On that basis the stock looks undervalued by 95%.
Is Housing and Urban Development Corporation Limited financially healthy?
Housing and Urban Development Corporation Limited scores 100/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has Housing and Urban Development Corporation Limited's share price performed?
Housing and Urban Development Corporation Limited is down 11% over three months, and last traded at ₹195.1. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.