Housing & Urban DevelopmentNSE:HUDCO -0.15%70 Net Margin % is 266.11% as of Mar. 2026, which is 312% above its 10-year median of 64.63. GuruFocus rates NSE:HUDCO with a GF Score™ of 70/100 and a GF Value™ of ₹244.51 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 533 Credit Services companies, Housing & Urban Development ranks better than 96.62% on this metric.
The historical rank and industry rank for Housing & Urban Development's Net Margin % or its related term are showing as below:
NSE:HUDCO'
s Net Margin % Range Over the Past 10 Years
Min: 47.35 Med: 64.63 Max: 116.72
Current: 116.72
NSE:HUDCO's Net Margin % is ranked better than 96.62% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs NSE:HUDCO: 116.72
Housing & Urban Development (NSE:HUDCO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Housing & Urban Development Net Margin % Related Terms
Housing & Urban Development Net Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Housing & Urban Development's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Housing & Urban Development Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Housing & Urban Development's Net Margin % distribution charts can be found below:
* The bar in red indicates where Housing & Urban Development's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Housing & Urban Development (NSE:HUDCO) has a Net Margin % of 266.11% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Housing & Urban Development and its competitors. This is 312% above median its historical median of 64.63. Over the past decade, Housing & Urban Development's Net Margin % has ranged from 47.35 to 116.72. According to the industry distribution chart, Housing & Urban Development ranks #18 out of 533 companies in the Credit Services industry, placing it in the top 3.4%.
Is Housing & Urban Development's Net Margin % too high?
Housing & Urban Development's current Net Margin % of 266.11% is 312% above median its 10-year median of 64.63. Over the past 10 years, this metric has ranged from a low of 47.35 to a high of 116.72. The Credit Services industry median Net Margin % is 14.54. Housing & Urban Development's value of 266.11% is 1730.2% above this industry median. Based on the distribution chart, Housing & Urban Development ranks #18 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Housing & Urban Development has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Urban Development's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Housing & Urban Development ranks #18 out of 533 companies for Net Margin %. This places Housing & Urban Development in the top 3% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.54. Housing & Urban Development's value of 266.11% is 1730.2% above this benchmark. Historically, Housing & Urban Development's own Net Margin % has ranged from 47.35 to 116.72 over the past decade. While the company's 10-year median is 64.63 vs. the industry median of 14.54, Housing & Urban Development has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Housing & Urban Development's current Net Margin % of 266.11% is 1730.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Housing & Urban Development and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Housing & Urban Development's current Net Margin % is 266.11%, which is 312% above median its own 10-year median of 64.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Urban Development stock overvalued right now?
Based on GuruFocus' analysis, Housing & Urban Development (NSE:HUDCO) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹244.51, compared to a current price of ₹207.96 — trading 14.9% below its estimated fair value. The current Net Margin % is 266.11%, which is 312% above median its 10-year median of 64.63 and 1730.2% above the Credit Services industry median of 14.54. Housing & Urban Development's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Housing & Urban Development (NSE:HUDCO), the current Net Margin % is 266.11% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Housing & Urban Development (NSE:HUDCO) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Urban Development stock appears to be undervalued.
The current stock price of ₹207.96 is trading 14.9% below its estimated GF Value™ of ₹244.51.
GuruFocus considers Housing & Urban Development to be Modestly Undervalued.
Key valuation signals for NSE:HUDCO:
Net Margin %: 266.11% (312% above median its 10-year median of 64.63)
GF Value™: ₹244.51 vs. price of ₹207.96 (14.9% below fair value)
Industry Position: 1730.2% above the Credit Services median (#18 of 533)
No single metric tells the full story. See the NSE:HUDCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Urban Development Corp Ltd is engaged in providing long-term finance for the construction of houses for residential purposes or finances or undertaking housing and urban infrastructure development programs. The company provides loans for projects like water supply, roads and transport, power, social infrastructure, sewerage, drainage, solid waste management, and others.
70GF Score
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