3 Lending Software Products Company, Digital Engineering and Cloud Firm and Global Technology Consulting Company Stocks With a Strong Future Roadmap: Nucleus Software Exports, Mastek and LTM
- November 2, 2026
- Posted by: Lakshit Sharma
- Category: Best Stocks
Nucleus Software Exports, Mastek and LTM: ROE of 13.5% to 20.2% and FY22 to FY26 revenue CAGR of 12.7% to 15.3%. Prices as of 30 Oct 2026.
Quick Answer
The three lending software, cloud and IT consulting stocks to watch are Nucleus Software Exports, Mastek and LTM. Their return on equity ranges from 13.5% to 20.2%, and their revenue compound annual growth from FY22 to FY26 ranges from 12.7% to 15.3%. LTM has the highest return on equity at 20.2%, while Nucleus Software Exports has the fastest revenue growth at 15.3% a year. Prices are based on the 30 October 2026 close, and this article is educational, not investment advice.
Lending software, cloud and IT consulting stocks offer a focused view of a sector where demand keeps widening. Nucleus Software Exports, Mastek and LTM cover a lending software products company, a digital engineering and cloud firm and a global technology consulting company.
This list covers three lending software, cloud and IT consulting stocks with complete current figures: Nucleus Software Exports, Mastek and LTM. 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 Lending Software, Cloud and IT Consulting Stocks?
Lending software, cloud and IT consulting stocks are listed companies that build lending and transaction banking software, deliver digital engineering and cloud work in the United Kingdom and other regions, and offer technology consulting and digital solutions worldwide. Their earnings depend on licences, contracts and client budgets.
Lending Software, Cloud and IT Consulting Stocks at a Glance
| Company | CMP (Rs) | Market Cap (Rs Cr) | P/E | Industry P/E | ROE (%) | D/E |
|---|---|---|---|---|---|---|
| Nucleus Software Exports | 652.6 | 1,731 | 16.4 | 17.5 | 14.7 | 0.01 |
| Mastek | 1,429.6 | 5,673 | 13.6 | 17.9 | 13.5 | 0.15 |
| LTM | 4,233.5 | 120,479 | 23.2 | 17.6 | 20.2 | 0.09 |
On valuation, Nucleus Software Exports and Mastek trade at a P/E below the industry P/E, while LTM trades above it, which reflects the growth the market already expects. Readers comparing lending software, cloud and IT consulting stocks should look at return on equity and debt together, since a high return earned with low debt is easier to sustain.
Why Do Lending Software, Cloud and IT Consulting Stocks Have a Strong Roadmap in India?
Lending software, cloud and IT consulting stocks have a strong roadmap in India because banks upgrading their systems, wider cloud adoption and enterprise technology spending keep widening the market for these software and consulting companies.
- Bank systems. Lenders replace older platforms.
- Cloud shift. Clients move more work to the cloud.
- Large programmes. Enterprises sign multi year work.
Why Nucleus Software Exports Features Among These Lending Software, Cloud and IT Consulting Stocks
Among the lending software, cloud and IT consulting stocks on this list, Nucleus Software Exports is a Noida-based software products company that builds lending and transaction banking software, with its FinnAxia and FinnOne platforms used by banks and financial institutions in India and overseas.
Revenue rose from Rs 532 crore in FY22 to Rs 940 crore in FY26, a compound annual growth rate of 15.3%. Net profit grew from Rs 40.9 crore in FY22 to Rs 117 crore in FY26, which works out to a compound annual growth rate of 30.0%.
The company has a return on equity of 14.7%, a debt to equity ratio of 0.01 and a market capitalisation of Rs 1,731 crore. The stock trades at a P/E of 16.4, below the industry P/E of 17.5.
Roadmap: The company is moving customers to cloud-based and subscription offerings, which build recurring revenue over time. Banks upgrading lending and transaction systems create steady demand for its platforms.
What to watch: Monitor licence and subscription revenue and the pace of new customer wins.
Why Mastek Features Among These Lending Software, Cloud and IT Consulting Stocks
Among the software and digital shares on this list, Mastek is a digital engineering and cloud services company that serves clients in the United Kingdom, the United States and other regions, with a strong presence in public sector, retail and financial services.
The company has a return on equity of 13.5%, a debt to equity ratio of 0.15 and a market capitalisation of Rs 5,673 crore. The stock trades at a P/E of 13.6, below the industry P/E of 17.9.
Revenue rose from Rs 2,220 crore in FY22 to Rs 3,769 crore in FY26, a compound annual growth rate of 14.2%. Net profit grew from Rs 310 crore in FY23 to Rs 404 crore in FY26, which works out to a compound annual growth rate of 9.2%. In the June 2026 quarter, revenue grew 7.8% year on year to Rs 997 crore, while net profit rose 15.0% to Rs 106 crore.
Roadmap: The company is expanding its cloud, data and software engineering work and deepening ties with existing clients. A focus on repeat engagements supports steady revenue.
What to watch: Follow client additions, order book momentum and growth in cloud and data services.
Why LTM Features Among These Lending Software, Cloud and IT Consulting Stocks
Among the three companies on this list, LTM, formerly LTIMindtree, is a Mumbai-based global technology consulting and digital solutions company that serves banking, insurance, manufacturing, healthcare and other industries.
Revenue rose from Rs 26,874 crore in FY22 to Rs 43,402 crore in FY26, a compound annual growth rate of 12.7%. Net profit grew from Rs 3,950 crore in FY22 to Rs 4,983 crore in FY26, which works out to a compound annual growth rate of 6.0%.
The company has a return on equity of 20.2%, a debt to equity ratio of 0.09 and a market capitalisation of Rs 120,479 crore. The stock trades at a P/E of 23.2, above the industry P/E of 17.6.
Roadmap: The company is focused on cloud, data and artificial intelligence projects and on winning larger transformation deals from existing clients. Its link with the Larsen and Toubro group helps it reach large enterprise customers.
What to watch: Track deal wins, client additions and utilisation levels.
Nucleus Software Exports vs Mastek vs LTM on Key Financials
The table below sets the three lending software, cloud and IT consulting 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 |
|---|---|---|---|---|---|
| Nucleus Software Exports | 532 | 940 | 15.3% | 117 | 12.4% |
| Mastek | 2,220 | 3,769 | 14.2% | 404 | 10.7% |
| LTM | 26,874 | 43,402 | 12.7% | 4,983 | 11.5% |
LTM posts the highest return on equity in this group at 20.2%. LTM has the largest FY26 revenue at Rs 43,402 crore, and Nucleus Software Exports shows the fastest revenue growth with a 15.3% compound annual rate. A useful habit with lending software, cloud and IT consulting stocks is to check each new quarterly result against the capacity plans the company described earlier.
Key Risks to Check Before Investing in Lending Software, Cloud and IT Consulting Stocks
Every theme carries risks that deserve a check before any decision. For these lending software, cloud and IT consulting stocks, the main points are:
- Client spending. Technology budgets can vary with global conditions.
- Currency moves. Export earnings move with the rupee.
- 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 lending software, cloud and IT consulting stocks by market capitalisation, P/E, ROE and growth, and build your own shortlist.
Final Thoughts on Lending Software, Cloud and IT Consulting Stocks
Lending software, cloud and IT consulting stocks reward patient research into demand, execution and financial strength. Nucleus Software Exports, Mastek and LTM each have a clear plan to grow. Based on the 30 October 2026 close, Nucleus Software Exports trades at Rs 652.6, Mastek at Rs 1,429.6 and LTM at Rs 4,233.5.
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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 lending software, cloud and IT consulting stocks?
Ans. Lending software, cloud and IT consulting stocks are listed companies that build lending and transaction banking software, deliver digital engineering and cloud work in the United Kingdom and other regions, and offer technology consulting and digital solutions worldwide. Their earnings depend on licences, contracts and client budgets. This list looks at three of them, Nucleus Software Exports, Mastek and LTM, using reported FY22 to FY26 financials and the 30 October 2026 closing prices.
Which lending software, cloud and IT consulting stocks are covered in this list?
Ans. This list covers Nucleus Software Exports, Mastek and LTM. Based on the 30 October 2026 close, Nucleus Software Exports traded at Rs 652.6, Mastek at Rs 1,429.6 and LTM at Rs 4,233.5. Their return on equity ranges from 13.5% to 20.2%, and their revenue compound annual growth from FY22 to FY26 ranges from 12.7% to 15.3%.
Why do lending software, cloud and IT consulting stocks have a strong future roadmap in India?
Ans. Lending software, cloud and IT consulting stocks have a strong roadmap in India because banks upgrading their systems, wider cloud adoption and enterprise technology spending keep widening the market for these software and consulting companies. The main drivers are as follows. Bank systems. Lenders replace older platforms. Cloud shift. Clients move more work to the cloud. Large programmes. Enterprises sign multi year work. Together these factors give the companies on this list a visible path for growth over the coming years.
How has Nucleus Software Exports performed financially?
Ans. Revenue rose from Rs 532 crore in FY22 to Rs 940 crore in FY26, a compound annual growth rate of 15.3%. Net profit grew from Rs 40.9 crore in FY22 to Rs 117 crore in FY26, which works out to a compound annual growth rate of 30.0%. The company has a return on equity of 14.7%, a debt to equity ratio of 0.01 and a market capitalisation of Rs 1,731 crore. The stock trades at a P/E of 16.4, below the industry P/E of 17.5. Looking ahead, the company is moving customers to cloud-based and subscription offerings, which build recurring revenue over time. Banks upgrading lending and transaction systems create steady demand for its platforms.
How has Mastek performed financially?
Ans. Revenue rose from Rs 2,220 crore in FY22 to Rs 3,769 crore in FY26, a compound annual growth rate of 14.2%. Net profit grew from Rs 310 crore in FY23 to Rs 404 crore in FY26, which works out to a compound annual growth rate of 9.2%. In the June 2026 quarter, revenue grew 7.8% year on year to Rs 997 crore, while net profit rose 15.0% to Rs 106 crore. The company has a return on equity of 13.5%, a debt to equity ratio of 0.15 and a market capitalisation of Rs 5,673 crore. The stock trades at a P/E of 13.6, below the industry P/E of 17.9. Looking ahead, the company is expanding its cloud, data and software engineering work and deepening ties with existing clients. A focus on repeat engagements supports steady revenue.
How has LTM performed financially?
Ans. Revenue rose from Rs 26,874 crore in FY22 to Rs 43,402 crore in FY26, a compound annual growth rate of 12.7%. Net profit grew from Rs 3,950 crore in FY22 to Rs 4,983 crore in FY26, which works out to a compound annual growth rate of 6.0%. The company has a return on equity of 20.2%, a debt to equity ratio of 0.09 and a market capitalisation of Rs 120,479 crore. The stock trades at a P/E of 23.2, above the industry P/E of 17.6. Looking ahead, the company is focused on cloud, data and artificial intelligence projects and on winning larger transformation deals from existing clients. Its link with the Larsen and Toubro group helps it reach large enterprise customers.
What risks should investors check before buying lending software, cloud and IT consulting stocks?
Ans. Investors should check a few risks before buying lending software, cloud and IT consulting stocks. Client spending. Technology budgets can vary with global conditions. Currency moves. Export earnings move with the rupee. 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 lending software, cloud and IT consulting 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.