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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Housing and Urban Development Corporation Limited is an India-based techno-financing company, which is primarily engaged in the business of financing for housing and urban development activities. It provides loans/finance for housing/ infrastructure projects and all other…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
HUDCO is scored on the nbfc / financials framework. It keeps a fat 30.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 23%/yr and profit at 33%/yr. Book value has grown 13%/yr. Return on equity is an elite 19.4%. In the latest quarter profit fell 57% versus the prior quarter.
At 8× earnings, the stock sits at the 12th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-5%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 7.19 | 11.08 | better |
| P/B | 1.39 | — | — |
| EV/EBITDA | 14.21 | — | — |
| ROE | 19.41 | 9.33 | better |
| ROCE | 7.34 | 8.78 | worse |
| ROA | 2.28 | — | — |
| Quick Ratio | 0.62 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 23% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (33% vs 23%) — margin expansion is at work. The latest year saw a +49% swing — check if it's a one-off or structural.
Operating margin has compressed from 32% to 25% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 18% — a respectable return on shareholder capital. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power. Capital efficiency improving — ROE up 7pp across the window.
EPS has grown every year — each share earns more than the last, consistently. 33% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 9% above earlier ones.
Profit fell 57% QoQ — one-quarter drops can be noise, but a pattern matters.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 75.0% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.