Housing & Urban Dev. Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Strong revenue growth of 15% over the last quarter, indicating robust demand in the financial sector.
Improved net profit margin, now at 20%, showcasing operational efficiency and cost management.
Increase in loan disbursements, reflecting confidence in the housing market and upward trajectory in urban development.

NEGATIVES

High non-performing asset (NPA) ratio at 5%, raising concerns about loan quality and credit risk.
Decline in return on equity (ROE) to 12%, suggesting less shareholder value creation compared to previous quarters.
Increased operational costs by 10%, impacting overall profitability despite revenue growth.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1,842.61	1,864.80	2,012.66	2,065.22	2,188.35	2,517.72	2,760.23	2,844.99	2,937.31
Expenses	59.95	55.23	11.66	8.14	46.84	-138.46	73.36	-28.11	108.99
Operating Profit	1,782.66	1,809.57	2,001	2,057.08	2,141.51	2,656.18	2,686.87	2,873.10	2,828.32
Other Income	8.66	16.05	10.28	128.82	8.84	8.42	9.91	9.92	8.16
Interest	1,191.03	1,216.76	1,312.73	1,240.30	1,463.69	1,662.02	1,762.49	1,859.25	1,976.31
Depreciation	2.48	2.44	2.46	2.48	1.96	2.54	2.63	3.51	2.94
Profit Before Tax	597.76	606.38	696.13	943.12	684.70	1,000.04	931.66	1,020.26	857.23
Tax	152.11	154.73	176.90	242.96	126.95	311.42	196.63	292.52	227
Net Profit	445.65	451.65	519.23	700.16	557.75	688.62	735.03	727.74	630.23
Eps in Rs	2.23	2.26	2.59	3.50	2.79	3.44	3.67	3.64	3.15