Top Housing Finance Stocks Compared: LIC Housing Finance vs PNB Housing Finance vs Aadhar Housing Finance vs Aptus Value Housing vs Repco Home Finance on Price, Valuation, Q2 FY27 Results and Risks
- November 6, 2026
- Posted by: Kunal Singla
- Category: Best Stocks
Previous close: LIC Housing Finance Rs 529.00, PNB Housing Finance Rs 1,100.00, Aadhar Housing Finance Rs 438.25, Aptus Value Housing Rs 179.93, Repco Home Finance Rs 326.45.
Quick Answer
This housing finance stocks compared snapshot checks five names on price, valuation and Q2 FY27 results: LIC Housing Finance, PNB Housing Finance, Aadhar Housing Finance, Aptus Value Housing and Repco Home Finance. LIC Housing Finance is the largest by market capitalisation at Rs 29,313 crore. Aptus Value Housing reports the highest return on equity at 18.76%. Lenders are valued on price to book and returns, so check whether return on equity supports each multiple.
Housing finance stocks compared here means LIC Housing Finance, PNB Housing Finance, Aadhar Housing Finance, Aptus Value Housing and Repco Home Finance on one page, checked on previous close, market value, valuation and the latest quarterly numbers. All five lend for homes, but they differ in customer type, loan size and region, which is exactly why a side-by-side look is useful.
All five housing finance companies have filed their September 2026 quarter, so every result below is Q2 FY27. Housing finance names tend to follow interest rate and credit sentiment, so a glance at the Nifty Fin Service page and the Sensex page before you read the tables gives useful backdrop.
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Housing Finance Stocks Compared: Five Home Loan Lenders
The housing finance stocks compared here are LIC Housing Finance, PNB Housing Finance, Aadhar Housing Finance, Aptus Value Housing and Repco Home Finance. LIC Housing Finance is the largest by market capitalisation at Rs 29,313 crore. Previous closes run from Rs 179.93 for Aptus Value Housing to Rs 1,100.00 for PNB Housing Finance, which is why a side-by-side look at value rather than price is more useful. This housing finance stocks compared list is the base for every table that follows.
| Stock | Previous close (Rs) | Market cap (Rs crore) |
|---|---|---|
| LIC Housing Finance | 529.00 | 29,313 |
| PNB Housing Finance | 1,100.00 | 28,695 |
| Aadhar Housing Finance | 438.25 | 19,208 |
| Aptus Value Housing | 179.93 | 9,025 |
| Repco Home Finance | 326.45 | 2,048 |
A quick look at the business behind each ticker puts the numbers in context. LIC Housing Finance is a home loan lender promoted by LIC, while PNB Housing Finance is a home loan lender promoted by Punjab National Bank. Aadhar Housing Finance lends to low and middle income families for affordable housing, and Aptus Value Housing gives home loans to self-employed customers in semi-urban and rural areas, mainly in south India. To compare housing finance stocks properly, line up price to book, return on equity and asset quality before forming a view.
Rounding out the group, Repco Home Finance is a home loan lender with a strong base in south India. A fair housing finance stock comparison looks at what each company actually earns from, not only at the share price. Prime and affordable housing lenders belong in separate mental boxes whenever you compare housing finance stocks fairly.
Housing Finance Stocks Valuation: Price to Book and Returns
Repco Home Finance trades at the lowest price to earnings ratio in this group at 4.25. Aptus Value Housing reports the highest return on equity at 18.76%. Repco Home Finance has the lowest price to book value at 0.51. These housing finance stocks valuation readings come from the previous close and the latest reported financials. That is the idea behind this housing finance stocks compared table: price to book and return on equity sit side by side so a high or low reading stands out at once.
| Stock | Price to earnings | Price to book | ROE (%) | Dividend yield (%) |
|---|---|---|---|---|
| LIC Housing Finance | 4.97 | 0.67 | 13.44 | 1.88 |
| PNB Housing Finance | 12.21 | 1.42 | 11.61 | 0.73 |
| Aadhar Housing Finance | 16.83 | 2.56 | 14.53 | |
| Aptus Value Housing | 8.80 | 1.65 | 18.76 | 2.50 |
| Repco Home Finance | 4.25 | 0.51 | 11.77 | 0.92 |
Housing finance companies are lenders, so price to book and return on equity matter more than price to earnings alone. A lender with a higher return on equity usually earns a higher price to book, so reading the two together shows whether a multiple is backed by returns. Earnings per share and book value per share are the building blocks behind price to earnings and price to book, so a glance at both in each filing is time well spent. A simple housing finance stock comparison like this one is only as useful as the context behind it, which is why asset quality is worth checking as well.
In this group, price to earnings runs from 4.25 for Repco Home Finance to 16.83 for Aadhar Housing Finance. Aptus Value Housing offers the highest dividend yield at 2.50%. Against an industry price to earnings of 16.86, each multiple in the table tells you whether the market is paying more or less than the sector norm. The industry price to earnings is a handy anchor: a lender above it is priced for faster growth, and one below it is priced for steadier earnings. A well-built housing finance stock comparison also notes that funding costs can move margins between quarters. Run the same housing finance stock comparison on your own watchlist and the pattern in these numbers will be easier to spot. Whenever you compare housing finance stocks, note whether a premium is backed by returns or only by size.
Housing Finance Stocks Q2 FY27 Results: Income and Profit Check
All of the five housing finance stocks compared have filed Q2 FY27 numbers. Aadhar Housing Finance posted the fastest revenue growth at 16.5% year on year. Aptus Value Housing showed the sharpest rise in net profit at 18.0%. Read revenue first and quarterly profit second, since the two together show how much of the growth reaches shareholders. Treat the Q2 FY27 numbers in this housing finance stocks compared review as a snapshot of one quarter, not a verdict on any lender.
| Stock | Q2 FY27 revenue (Rs crore) | Q2 FY26 revenue (Rs crore) | Q2 FY27 net profit (Rs crore) | Q2 FY26 net profit (Rs crore) |
|---|---|---|---|---|
| LIC Housing Finance | 7,194 | 7,180 | 1,507 | 1,349 |
| PNB Housing Finance | 2,424 | 2,131 | 616.5 | 581.6 |
| Aadhar Housing Finance | 1,048 | 899.3 | 308.3 | 266.5 |
| Aptus Value Housing | 634.7 | 553.7 | 267.4 | 226.6 |
| Repco Home Finance | 477.8 | 441.9 | 112.1 | 103.2 |
LIC Housing Finance Results Snapshot
LIC Housing Finance’s Q2 FY27 top line stood at Rs 7,194 crore, versus Rs 7,180 crore in Q2 FY26, a rise of 0.2%. Net profit rose 11.7% to Rs 1,507 crore from Rs 1,349 crore. Net profit margin improved to 21.1% from 18.8%. Earnings per share for the quarter rose to Rs 27.39 from Rs 24.53.
PNB Housing Finance Results Snapshot
PNB Housing Finance reported Q2 FY27 revenue of Rs 2,424 crore, compared with Rs 2,131 crore a year earlier, a rise of 13.8%. Net profit rose 6.0% to Rs 616.5 crore from Rs 581.6 crore. Earnings per share for the quarter rose to Rs 23.59 from Rs 22.29.
Aadhar Housing Finance Results Snapshot
In the September 2026 quarter, Aadhar Housing Finance booked revenue of Rs 1,048 crore against Rs 899.3 crore in the same quarter last year, a rise of 16.5%. Net profit rose 15.7% to Rs 308.3 crore from Rs 266.5 crore. Earnings per share for the quarter rose to Rs 6.93 from Rs 6.03.
Aptus Value Housing Results Snapshot
Aptus Value Housing’s Q2 FY27 top line stood at Rs 634.7 crore, versus Rs 553.7 crore in Q2 FY26, a rise of 14.6%. Net profit rose 18.0% to Rs 267.4 crore from Rs 226.6 crore. Net profit margin improved to 42.9% from 41.6%. Earnings per share for the quarter rose to Rs 5.34 from Rs 4.54.
Repco Home Finance Results Snapshot
Repco Home Finance reported Q2 FY27 revenue of Rs 477.8 crore, compared with Rs 441.9 crore a year earlier, a rise of 8.1%. Net profit rose 8.6% to Rs 112.1 crore from Rs 103.2 crore. Net profit margin improved to 25.0% from 24.9%. Earnings per share for the quarter rose to Rs 19.04 from Rs 17.53.
Lender results depend on loan growth, net interest margin and credit costs, so income and profit can move differently from one quarter to the next. That is why a housing finance stock comparison works best when total income and profit are read together across two or three quarters. Used this way, a housing finance stocks compared review becomes a map of the sector rather than a price list. When you compare housing finance stocks after each result season, track how asset quality changes from one quarter to the next. A housing finance stock comparison built on one quarter of data is a starting point, and the next set of results will update it.
Housing Finance Stocks Compared Two at a Time: Three Pairings
Readers rarely want a five-way table and nothing else, so here are three head-to-head reads drawn from the same data. Use them as a quick way to compare housing finance stocks two at a time.
LIC Housing Finance vs PNB Housing Finance
LIC Housing Finance and PNB Housing Finance are two of the larger home loan lenders on this list, each backed by a well-known parent. LIC Housing Finance reports the higher return on equity, at 13.44% against 11.61% for PNB Housing Finance. For dividend income, LIC Housing Finance offers 1.88% against 0.73% at PNB Housing Finance. In Q2 FY27, PNB Housing Finance grew revenue faster, at 13.8% year on year against 0.2% for LIC Housing Finance. Both lend mostly to salaried and prime customers, so read price to book next to return on equity.
Aadhar Housing Finance vs Aptus Value Housing
Aadhar Housing Finance and Aptus Value Housing both focus on affordable housing, with smaller loans for self-employed and lower income customers. Aadhar Housing Finance is about 2.1 times the size of Aptus Value Housing by market capitalisation, at Rs 19,208 crore against Rs 9,025 crore. On price to earnings, Aptus Value Housing carries the lower multiple at 8.80 against 16.83 for Aadhar Housing Finance. Aptus Value Housing reports the higher return on equity, at 18.76% against 14.53% for Aadhar Housing Finance. Affordable lenders usually earn higher margins, so read return on equity before you judge either multiple.
Repco Home Finance vs LIC Housing Finance
Repco Home Finance is a smaller lender with a strong base in south India, while LIC Housing Finance has a national network. On price to earnings, Repco Home Finance carries the lower multiple at 4.25 against 4.97 for LIC Housing Finance. LIC Housing Finance reports the higher return on equity, at 13.44% against 11.77% for Repco Home Finance. For dividend income, LIC Housing Finance offers 1.88% against 0.92% at Repco Home Finance. A regional lender and a national lender are priced differently, so read market value and returns together.
Best Housing Finance Stocks for Each Type of Investor
Searching for the best housing finance stocks usually means different things to different readers. The table below shows who leads on each measure today, so you can pick the row that matches your goal. Any housing finance stocks compared table can mislead if you stop at one row, because each lender leads on a different measure. Used with care, a housing finance stock comparison turns scattered ratios into a short list of questions worth asking.
| If you care most about | Start your research with | The number |
|---|---|---|
| Lowest price to earnings | Repco Home Finance | 4.25 |
| Highest return on equity | Aptus Value Housing | 18.76% |
| Highest dividend yield | Aptus Value Housing | 2.50% |
| Lowest price to book value | Repco Home Finance | 0.51 |
| Largest by market capitalisation | LIC Housing Finance | Rs 29,313 crore |
| Fastest Q2 FY27 revenue growth | Aadhar Housing Finance | 16.5% |
| Sharpest Q2 FY27 net profit rise | Aptus Value Housing | 18.0% |
No single name tops every row, which is exactly why a housing finance stock comparison helps. Size, returns, valuation and customer focus each point to a different lender, so decide what matters most to you before you rank the numbers.
What Is Driving Home Loan Demand Right Now?
Home ownership is rising as incomes grow and cities expand, and home loans remain a small share of the economy compared with many other countries. That leaves a long runway for lenders that finance prime buyers as well as affordable housing customers. Knowing what moves interest rates and funding costs helps you compare housing finance stocks with the right questions in mind.
Loan book growth, net interest margin, asset quality and the cost of funds decide profit for a home loan lender. Affordable housing lenders such as Aadhar and Aptus focus on smaller loans and self-employed customers, while LIC Housing and PNB Housing serve larger loans. A good housing finance stocks compared routine therefore tracks loan growth, net interest margin, asset quality and cost of funds. The sector backdrop helps every name here, but a housing finance stock comparison shows it does not help them equally.
Risks to Weigh When You Compare Housing Finance Stocks
Housing finance stocks respond to interest rates, competition among banks and housing lenders, and the quality of loans in the book. Lenders that borrow heavily also depend on steady access to funding. Read each filing for margins, asset quality and growth guidance before you compare them. Every housing finance stock comparison has blind spots, and for this group the biggest is interest rates and funding costs. A thoughtful housing finance stocks compared review keeps these risks next to the numbers instead of in a footnote.
Because loan growth, net interest margin, asset quality and cost of funds drive these businesses, the most useful habit is to read the management commentary that comes with every result and note what is expected for the next quarter. Read together, the risk notes and the tables make this housing finance stocks compared guide a balanced starting point.
How to Compare Housing Finance Stocks and Build a Shortlist
Start by deciding whether you want a large prime lender or an affordable housing specialist, because each responds to different triggers. Prime lenders reward readers who track margins and funding costs, while affordable lenders reward those who track loan growth and asset quality. Done step by step, this housing finance stocks compared routine becomes repeatable rather than a one-off exercise. The same housing finance stocks compared steps work for other sectors on Univest, so you can reuse them.
Then check price to book and return on equity, because lenders are valued on how well they use their capital. Spreading your attention across one prime lender and one affordable housing lender is a simple way to see both sides of the sector. Keep the shortlist of best housing finance stocks short enough that you can actually follow each company’s quarterly results. When you compare housing finance stocks again after new results, update only the rows that changed instead of starting over.
The Univest stock screener lets you filter housing finance stocks by market capitalisation, return on equity and price to earnings, and the app keeps live prices a tap away through the trading day. Come back to this housing finance stocks compared page after the next set of results to see which numbers have moved.
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Conclusion: Housing Finance Stocks Compared at a Glance
This housing finance stocks compared review on price, valuation and Q2 FY27 results shows that no single name wins every measure. LIC Housing Finance leads on size and Aptus Value Housing leads on return on equity, while the others bring their own strengths. Treat the housing finance stocks Q2 FY27 results and housing finance stocks valuation tables as a research starting point, then check the filings and speak to a SEBI-registered advisor before you invest. If you plan to compare housing finance stocks again next quarter, the same checklist of price to book, return on equity and asset quality will work.
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).
Frequently Asked Questions on Housing Finance Stocks Compared
Which are the top housing finance stocks compared in this article?
Ans. The housing finance stocks compared in this article are LIC Housing Finance, PNB Housing Finance, Aadhar Housing Finance, Aptus Value Housing and Repco Home Finance. They are checked on previous close, market capitalisation, price to earnings, price to book, return on equity and the latest quarterly results, which gives you one tidy table to work from before you read any filing in detail.
Which housing finance stock has the highest market capitalisation?
Ans. Among the five names, LIC Housing Finance has the highest market capitalisation at Rs 29,313 crore. PNB Housing Finance follows at Rs 28,695 crore. Because market capitalisation is simply share price multiplied by shares outstanding, it shifts daily, so confirm the live number before using it.
Which of these housing finance stocks has the lowest price to earnings ratio?
Ans. On housing finance stocks valuation, Repco Home Finance has the lowest price to earnings ratio among these housing finance stocks at 4.25, based on the latest reported earnings. Aadhar Housing Finance sits at the other end at 16.83. A low multiple can reflect slower growth or higher risk as easily as a bargain, so read it next to growth and margins.
Which housing finance stock has the highest return on equity?
Ans. Aptus Value Housing reports the highest return on equity in this group at 18.76%. The ratio measures profit earned for every rupee of shareholder money, which makes it a quick test of capital efficiency. One year can mislead, so look at several, and remember that borrowing can push the figure up.
How did housing finance stocks perform in Q2 FY27 results?
Ans. All of the five names have filed Q2 FY27 numbers in our data. Aadhar Housing Finance recorded the fastest revenue growth at 16.5% year on year. Aptus Value Housing showed the sharpest net profit rise at 18.0%. For housing finance stocks Q2 FY27 results, each filing on the exchange website carries the full detail behind these figures.
What are the main risks when you compare housing finance stocks?
Ans. Housing finance stocks respond to interest rates, competition among banks and housing lenders, and the quality of loans in the book. Lenders that borrow heavily also depend on steady access to funding. Read each filing for margins, asset quality and growth guidance before you compare them. Keep an eye on loan growth, net interest margin, asset quality and cost of funds.
Which metrics matter most when you compare housing finance stocks?
Ans. Loan book growth, net interest margin, asset quality and the cost of funds matter most for lenders. Price to book and return on equity show how the market values each lender, and price to earnings and dividend yield add context. Read each company’s filing for these along with the numbers in this article.
Which is the best housing finance stock to buy among these five?
Ans. The best housing finance stock depends on whether you value scale, affordable housing focus or a regional base, because the five lenders differ on all three. On the numbers in this article, LIC Housing Finance has the largest market capitalisation; Repco Home Finance has the lowest price to earnings; Aptus Value Housing has the highest return on equity as well as the highest dividend yield. Each name wins on a different row, and this is educational content rather than advice. Build a shortlist from the tables, read the latest filings, and talk to a SEBI-registered advisor, because your own goals and risk appetite decide the right fit.
