3 Debt Rating Agency, Core Banking Software Vendor and Asset Management Firm Stocks With a Strong Future Roadmap: ICRA, Intellect Design Arena and 360 ONE WAM
- November 2, 2026
- Posted by: Lakshit Sharma
- Category: Best Stocks
ICRA, Intellect Design Arena and 360 ONE WAM: ROE of 10.9% to 15.4% and FY22 to FY26 revenue CAGR of 13.3% to 21.2%. Prices as of 30 Oct 2026.
Quick Answer
The three credit rating, bank software and wealth stocks to watch are ICRA, Intellect Design Arena and 360 ONE WAM. Their return on equity ranges from 10.9% to 15.4%, and their revenue compound annual growth from FY22 to FY26 ranges from 13.3% to 21.2%. ICRA has the highest return on equity at 15.4%, while 360 ONE WAM has the fastest revenue growth at 21.2% a year. Prices are based on the 30 October 2026 close, and this article is educational, not investment advice.
Credit rating, bank software and wealth stocks offer a focused view of a sector where demand keeps widening. ICRA, Intellect Design Arena and 360 ONE WAM cover a credit rating agency, a banking software products company and a wealth and asset management firm.
This list covers three credit rating, bank software and wealth stocks with complete current figures: ICRA, Intellect Design Arena and 360 ONE WAM. Every figure comes from the latest reported financials and the 30 October 2026 market close. Companies without complete current figures were left out.
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What Are Credit Rating, Bank Software and Wealth Stocks?
Credit rating, bank software and wealth stocks are listed companies that rate debt and offer research services, sell software products for banking and insurance, and manage wealth and assets for high net worth families. Their earnings depend on debt issuance, technology budgets and assets managed.
Credit Rating, Bank Software and Wealth Stocks at a Glance
| Company | CMP (Rs) | Market Cap (Rs Cr) | P/E | Industry P/E | ROE (%) | D/E |
|---|---|---|---|---|---|---|
| ICRA | 4,300.8 | 4,332 | 22.1 | 33.6 | 15.4 | 0.02 |
| Intellect Design Arena | 504.55 | 8,952 | 25.5 | 17.5 | 10.9 | 0.05 |
| 360 ONE WAM | 985 | 42,796 | 34.3 | 32.0 | 12.0 | 1.67 |
On valuation, ICRA trades at a P/E below the industry P/E, while Intellect Design Arena and 360 ONE WAM trade above it, which reflects the growth the market already expects. Readers comparing credit rating, bank software and wealth stocks should look at return on equity and debt together, since a high return earned with low debt is easier to sustain.
Why Do Credit Rating, Bank Software and Wealth Stocks Have a Strong Roadmap in India?
Credit rating, bank software and wealth stocks have a strong roadmap in India because growing bond issuance, banks upgrading their technology and rising household wealth keep widening the market for these capital market and technology companies.
- Debt issuance. More borrowers seek credit ratings.
- Bank technology. Lenders upgrade core platforms.
- Wealth growth. Affluent families seek managed solutions.
Why ICRA Features Among These Credit Rating, Bank Software and Wealth Stocks
Among the credit rating, bank software and wealth stocks on this list, ICRA is a credit rating agency, majority owned by Moody’s, that also offers research and analytical services, software and consulting.
In the June 2026 quarter, revenue grew 28.3% year on year to Rs 191 crore, while net profit rose 32.0% to Rs 56.5 crore. Revenue rose from Rs 384 crore in FY22 to Rs 675 crore in FY26, a compound annual growth rate of 15.1%.
Net profit grew from Rs 114 crore in FY22 to Rs 183 crore in FY26, which works out to a compound annual growth rate of 12.6%. The company has a return on equity of 15.4%, a debt to equity ratio of 0.02 and a market capitalisation of Rs 4,332 crore. The stock trades at a P/E of 22.1, below the industry P/E of 33.6.
Roadmap: A deepening bond market and rising bank credit generate more rating work, while its analytical and software services add diversification. Its association with a global rating group strengthens its brand with issuers.
What to watch: Follow trends in debt issuance and bank credit growth.
Why Intellect Design Arena Features Among These Credit Rating, Bank Software and Wealth Stocks
Among the financial services support shares on this list, Intellect Design Arena is a Chennai-based financial technology company that sells software products for banking, insurance and capital markets, including transaction banking, consumer banking and risk platforms.
The company has a return on equity of 10.9%, a debt to equity ratio of 0.05 and a market capitalisation of Rs 8,952 crore. The stock trades at a P/E of 25.5, above the industry P/E of 17.5.
Revenue rose from Rs 1,919 crore in FY22 to Rs 3,161 crore in FY26, a compound annual growth rate of 13.3%. Net profit grew from Rs 269 crore in FY23 to Rs 343 crore in FY26, which works out to a compound annual growth rate of 8.5%. In the June 2026 quarter, revenue grew 18.9% year on year to Rs 873 crore, while net profit rose 8.7% to Rs 102 crore.
Roadmap: Banks and insurers are replacing older systems with cloud-ready platforms, and the company earns licence, subscription and implementation revenue from these programmes. Its product-led model supports recurring income from long-term client relationships.
What to watch: Follow new contract wins and the share of recurring revenue.
Why 360 ONE WAM Features Among These Credit Rating, Bank Software and Wealth Stocks
Among the three companies on this list, 360 ONE WAM is a Mumbai-based wealth and asset management firm that serves high net worth and ultra high net worth clients with wealth management, asset management and advisory services.
Revenue rose from Rs 2,078 crore in FY22 to Rs 4,477 crore in FY26, a compound annual growth rate of 21.2%. Net profit grew from Rs 578 crore in FY22 to Rs 1,216 crore in FY26, which works out to a compound annual growth rate of 20.5%.
The company has a return on equity of 12.0%, a debt to equity ratio of 1.67 and a market capitalisation of Rs 42,796 crore. The stock trades at a P/E of 34.3, above the industry P/E of 32.0.
Roadmap: The company is growing the assets it manages and advises as household wealth rises, and it is widening its range of investment products. Long relationships with affluent clients support recurring fee income.
What to watch: Monitor assets under management, net inflows and new product launches.
ICRA vs Intellect Design Arena vs 360 ONE WAM on Key Financials
The table below sets the three credit rating, bank software and wealth stocks side by side on revenue, profit and margin, using reported figures.
| Company | FY22 Revenue (Rs Cr) | FY26 Revenue (Rs Cr) | Revenue CAGR (FY22-FY26) | FY26 Net Profit (Rs Cr) | FY26 Net Margin |
|---|---|---|---|---|---|
| ICRA | 384 | 675 | 15.1% | 183 | 27.1% |
| Intellect Design Arena | 1,919 | 3,161 | 13.3% | 343 | 10.9% |
| 360 ONE WAM | 2,078 | 4,477 | 21.2% | 1,216 | 27.2% |
ICRA posts the highest return on equity in this group at 15.4%. 360 ONE WAM combines the largest FY26 revenue at Rs 4,477 crore with the fastest revenue growth, a 21.2% compound annual rate. A useful habit with credit rating, bank software and wealth stocks is to check each new quarterly result against the capacity plans the company described earlier.
Key Risks to Check Before Investing in Credit Rating, Bank Software and Wealth Stocks
Every theme carries risks that deserve a check before any decision. For these credit rating, bank software and wealth stocks, the main points are: Long-term financial services support shares holders usually track revenue growth, margins and cash flow side by side rather than relying on a single ratio.
- Market activity. Fee income follows trading volumes and investor participation.
- Client spending. Technology budgets can vary with global conditions.
- Valuation levels. Some of these companies trade at high earnings multiples, so growth must continue to justify them.
Treat this list as a starting point for research and not as a recommendation. Read the latest results presentation, check the management commentary on order books or capacity plans, and compare each company with its peers before you decide anything.
Use the Univest Stock Screener to filter credit rating, bank software and wealth stocks by market capitalisation, P/E, ROE and growth, and build your own shortlist.
Final Thoughts on Credit Rating, Bank Software and Wealth Stocks
Credit rating, bank software and wealth stocks reward patient research into demand, execution and financial strength. ICRA, Intellect Design Arena and 360 ONE WAM each have a clear plan to grow. Based on the 30 October 2026 close, ICRA trades at Rs 4,300.8, Intellect Design Arena at Rs 504.55 and 360 ONE WAM at Rs 985. Valuation matters as much as growth, so compare each company’s P/E with its industry P/E before adding any of these credit rating, bank software and wealth stocks to a watchlist.
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Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
What are credit rating, bank software and wealth stocks?
Ans. Credit rating, bank software and wealth stocks are listed companies that rate debt and offer research services, sell software products for banking and insurance, and manage wealth and assets for high net worth families. Their earnings depend on debt issuance, technology budgets and assets managed. This list looks at three of them, ICRA, Intellect Design Arena and 360 ONE WAM, using reported FY22 to FY26 financials and the 30 October 2026 closing prices.
Which credit rating, bank software and wealth stocks are covered in this list?
Ans. This list covers ICRA, Intellect Design Arena and 360 ONE WAM. Based on the 30 October 2026 close, ICRA traded at Rs 4,300.8, Intellect Design Arena at Rs 504.55 and 360 ONE WAM at Rs 985. Their return on equity ranges from 10.9% to 15.4%, and their revenue compound annual growth from FY22 to FY26 ranges from 13.3% to 21.2%.
Why do credit rating, bank software and wealth stocks have a strong future roadmap in India?
Ans. Credit rating, bank software and wealth stocks have a strong roadmap in India because growing bond issuance, banks upgrading their technology and rising household wealth keep widening the market for these capital market and technology companies. The main drivers are as follows. Debt issuance. More borrowers seek credit ratings. Bank technology. Lenders upgrade core platforms. Wealth growth. Affluent families seek managed solutions. Together these factors give the companies on this list a visible path for growth over the coming years.
How has ICRA performed financially?
Ans. Revenue rose from Rs 384 crore in FY22 to Rs 675 crore in FY26, a compound annual growth rate of 15.1%. Net profit grew from Rs 114 crore in FY22 to Rs 183 crore in FY26, which works out to a compound annual growth rate of 12.6%. In the June 2026 quarter, revenue grew 28.3% year on year to Rs 191 crore, while net profit rose 32.0% to Rs 56.5 crore. The company has a return on equity of 15.4%, a debt to equity ratio of 0.02 and a market capitalisation of Rs 4,332 crore. The stock trades at a P/E of 22.1, below the industry P/E of 33.6. Looking ahead, a deepening bond market and rising bank credit generate more rating work, while its analytical and software services add diversification. Its association with a global rating group strengthens its brand with issuers.
How has Intellect Design Arena performed financially?
Ans. Revenue rose from Rs 1,919 crore in FY22 to Rs 3,161 crore in FY26, a compound annual growth rate of 13.3%. Net profit grew from Rs 269 crore in FY23 to Rs 343 crore in FY26, which works out to a compound annual growth rate of 8.5%. In the June 2026 quarter, revenue grew 18.9% year on year to Rs 873 crore, while net profit rose 8.7% to Rs 102 crore. The company has a return on equity of 10.9%, a debt to equity ratio of 0.05 and a market capitalisation of Rs 8,952 crore. The stock trades at a P/E of 25.5, above the industry P/E of 17.5. Looking ahead, banks and insurers are replacing older systems with cloud-ready platforms, and the company earns licence, subscription and implementation revenue from these programmes. Its product-led model supports recurring income from long-term client relationships.
How has 360 ONE WAM performed financially?
Ans. Revenue rose from Rs 2,078 crore in FY22 to Rs 4,477 crore in FY26, a compound annual growth rate of 21.2%. Net profit grew from Rs 578 crore in FY22 to Rs 1,216 crore in FY26, which works out to a compound annual growth rate of 20.5%. The company has a return on equity of 12.0%, a debt to equity ratio of 1.67 and a market capitalisation of Rs 42,796 crore. The stock trades at a P/E of 34.3, above the industry P/E of 32.0. Looking ahead, the company is growing the assets it manages and advises as household wealth rises, and it is widening its range of investment products. Long relationships with affluent clients support recurring fee income.
What risks should investors check before buying credit rating, bank software and wealth stocks?
Ans. Investors should check a few risks before buying credit rating, bank software and wealth stocks. Market activity. Fee income follows trading volumes and investor participation. Client spending. Technology budgets can vary with global conditions. Valuation levels. Some of these companies trade at high earnings multiples, so growth must continue to justify them. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.
Is this list of credit rating, bank software and wealth stocks investment advice?
Ans. No. This article is educational and uses publicly available data as of the 30 October 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.