3 Transport Financier, Group Lender and Mortgage Lender Stocks With a Strong Future Roadmap: Shriram Finance, Tata Capital and PNB Housing Finance
- October 14, 2026
- Posted by: Chaitanya Auti
- Category: Best Stocks
Shriram Finance Rs 988.00, P/E 19.13. Tata Capital Rs 327.65, P/E 24.41. PNB Housing Rs 1,224.80, P/E 12.95. Closing prices of 13 Oct 2026.
Quick Answer
Transport financier, group lender and mortgage lender stocks with the clearest long-term roadmaps today include Shriram Finance in commercial vehicle, used vehicle, small business and gold loans, Tata Capital in retail, SME and corporate lending across personal, vehicle, home and business loans and PNB Housing in home loans, loan against property and affordable housing loans. FY26 revenue growth was 15.1% at Shriram Finance, 11.3% at Tata Capital and 10.6% at PNB Housing. P/E stands at 19.13 for Shriram Finance (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 12.95 for PNB Housing (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company’s risks need equal attention.
Transport financier, group lender and mortgage lender stocks give investors exposure to loans that help truck owners, households and home buyers. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.
This list covers three transport financier, group lender and mortgage lender stocks: Shriram Finance for commercial vehicle, used vehicle, small business and gold loans, Tata Capital for retail, SME and corporate lending across personal, vehicle, home and business loans and PNB Housing Finance for home loans, loan against property and affordable housing loans. Every figure comes from the latest reported financials and the 13 October 2026 market close. Companies without complete current figures were left out.
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What Are Transport Financier, Group Lender and Mortgage Lender Stocks?
Transport financier, group lender and mortgage lender stocks are shares of companies that lend to households, small businesses and projects. Results depend on loan growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.
Transport Financier, Group Lender and Mortgage Lender Stocks at a Glance
The table compares size, valuation, return on equity and debt for the three transport financier, group lender and mortgage lender stocks as of the 13 Oct 2026 close.
| Company | CMP (Rs) | Market Cap (Rs Cr) | P/E | Industry P/E | ROE | Debt to Equity |
|---|---|---|---|---|---|---|
| Shriram Finance | 988.00 | 216,480 | 19.13 | 17.72 | 15.21% | 3.80 |
| Tata Capital | 327.65 | 133,756 | 24.41 | 17.72 | 10.57% | 5.15 |
| PNB Housing Finance | 1,224.80 | 29,992 | 12.95 | 17.72 | 11.92% | 3.70 |
Among lending stocks, Shriram Finance and Tata Capital trade at a premium to the industry P/E, while PNB Housing trades at a discount.
Why Do Transport Financier, Group Lender and Mortgage Lender Stocks Have a Strong Roadmap in India?
Transport financier, group lender and mortgage lender stocks have a strong roadmap in India because freight activity, group-backed retail credit and home ownership keep adding customers for these lenders. Three drivers stand out.
- Freight activity: Truck owners rely on trusted financiers.
- Retail credit: Households and SMEs seek formal loans.
- Home ownership: Families seek home loans and loans against property.
Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap
Shriram Finance’s roadmap rests on commercial vehicle, used vehicle, small business and gold loans for customers that banks often serve less, with demand for transport and small business credit supporting loan growth.
Revenue grew from Rs 19,274.23 crore in FY22 to Rs 48,192.65 crore in FY26, a 150.0% rise, and FY26 revenue was 15.1% higher than FY25. FY26 net profit rose 6.2% to Rs 10,004.20 crore. Over four years, net profit rose from Rs 2,707.93 crore in FY22 to Rs 10,004.20 crore. In Q1 FY27, revenue grew 16.3% to Rs 13,418.74 crore, and net profit rose 60.0% to Rs 3,447.26 crore.
Debt to equity is 3.80 and return on equity is 15.21%. Shriram Finance paid a dividend of Rs 10.8 per share for FY26, a yield of 0.94%. At a P/E of 19.13 against an industry P/E of 17.72, the stock trades above its industry multiple.
What to watch: The P/E of 19.13 is a modest premium to the industry P/E of 17.72, so the next quarters’ growth is the figure to follow.
Tata Capital: A Diversified Loan Mix Drives the Pipeline
Tata Capital’s roadmap rests on lending to retail, SME and corporate borrowers across personal, vehicle, home and business loans, with a diversified loan mix supporting growth.
Revenue grew from Rs 10,311.41 crore in FY22 to Rs 31,582.62 crore in FY26, a 206.3% rise, and FY26 revenue was 11.3% higher than FY25. FY26 net profit rose 33.8% to Rs 4,890.91 crore. Over four years, net profit rose from Rs 1,800.81 crore in FY22 to Rs 4,890.91 crore. In Q1 FY27, revenue grew 14.7% to Rs 8,825.38 crore, and net profit rose 56.4% to Rs 1,628.18 crore.
Debt to equity is 5.15 and return on equity is 10.57%. Tata Capital paid a dividend of Rs 0.57 per share for FY26, a yield of 0.18%. At a P/E of 24.41 against an industry P/E of 17.72, the stock trades above its industry multiple.
What to watch: The P/E of 24.41 sits above the industry P/E of 17.72, so earnings delivery matters for the valuation.
PNB Housing Finance: Home Loan Growth Anchors the Roadmap
PNB Housing’s roadmap rests on home loans, loan against property and affordable housing loans through a pan-India branch network, with housing credit demand supporting loan growth.
Revenue grew from Rs 6,200.73 crore in FY22 to Rs 8,505.04 crore in FY26, a 37.2% rise, and FY26 revenue was 10.6% higher than FY25. FY26 net profit rose 18.3% to Rs 2,291.24 crore. Over four years, net profit rose from Rs 836.48 crore in FY22 to Rs 2,291.24 crore. In Q1 FY27, revenue grew 8.8% to Rs 2,265.36 crore, and net profit rose 4.5% to Rs 557.34 crore.
Debt to equity is 3.70 and return on equity is 11.92%. PNB Housing paid a dividend of Rs 8 per share for FY26, a yield of 0.69%. At a P/E of 12.95 against an industry P/E of 17.72, the stock trades below its industry multiple.
What to watch: The P/E of 12.95 against an industry P/E of 17.72 leaves valuation less stretched, so the next quarters’ growth is the figure to follow.
Best Transport Financier, Group Lender and Mortgage Lender Stocks in India: Shriram Finance vs Tata Capital vs PNB Housing on Key Financials
Among the best transport financier, group lender and mortgage lender stocks in India, Shriram Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Tata Capital leads on FY26 net profit growth; PNB Housing leads on the lowest P/E and the lowest debt to equity. The table puts the numbers side by side.
| Metric | Shriram Finance | Tata Capital | PNB Housing |
|---|---|---|---|
| FY26 revenue (Rs Cr) | 48,192.65 | 31,582.62 | 8,505.04 |
| FY26 revenue growth | 15.1% | 11.3% | 10.6% |
| FY26 net profit (Rs Cr) | 10,004.20 | 4,890.91 | 2,291.24 |
| FY26 net profit growth | 6.2% | 33.8% | 18.3% |
| Q1 FY27 revenue growth (YoY) | 16.3% | 14.7% | 8.8% |
| Q1 FY27 net profit growth (YoY) | 60.0% | 56.4% | 4.5% |
| Return on equity | 15.21% | 10.57% | 11.92% |
| P/E ratio | 19.13 | 24.41 | 12.95 |
| Debt to equity | 3.80 | 5.15 | 3.70 |
| Dividend yield | 0.94% | 0.18% | 0.69% |
Lender earnings follow loan growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.
How to Evaluate Transport Financier, Group Lender and Mortgage Lender Stocks to Buy Before You Invest
A short checklist keeps the research consistent when you screen transport financier, group lender and mortgage lender stocks and shortlist transport financier, group lender and mortgage lender stocks to buy.
- Compare each stock’s P/E with its industry P/E, which is 17.72 for all three here.
- Check loan growth, asset quality and capital adequacy together.
- Check whether revenue growth is turning into profit growth, not only sales.
- Read loan growth against funding costs to see how growth is financed.
- Watch debt to equity and interest cover before sizing a position.
- Spread exposure across companies and business lines instead of one demand cycle.
Risks to Consider Before Investing in Transport Financier, Group Lender and Mortgage Lender Stocks
- Asset quality: A rise in overdue loans can reduce profit.
- Funding costs: Changes in borrowing costs can move spreads.
- Quarterly trends: A single weak quarter can change near-term earnings, so track results every quarter.
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Final Take: Which Stock Has the Strongest Roadmap?
These three lending stocks cover transport loans, group-backed lending and mortgage finance. Shriram Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Tata Capital leads on FY26 net profit growth; PNB Housing leads on the lowest P/E and the lowest debt to equity.
Across transport financier, group lender and mortgage lender stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the transport financier, group lender and mortgage lender stocks to buy discussed here.
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).
FAQs on Transport Financier, Group Lender and Mortgage Lender Stocks
Which are the best transport financier, group lender and mortgage lender stocks in India with a strong roadmap?
Ans. Shriram Finance, Tata Capital and PNB Housing Finance stand out for their roadmaps in transport loans, group-backed lending and mortgage finance. FY26 revenue growth was 15.1% at Shriram Finance, 11.3% at Tata Capital and 10.6% at PNB Housing, and return on equity ranges from 10.57% to 15.21%.
Is Shriram Finance a good stock to buy now?
Ans. Shriram Finance has a debt to equity ratio of 3.80, a return on equity of 15.21% and a P/E of 19.13 against an industry P/E of 17.72. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.
What is the P/E ratio of Shriram Finance, Tata Capital and PNB Housing?
Ans. The P/E ratio is 19.13 for Shriram Finance (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 12.95 for PNB Housing (industry 17.72). Only Shriram Finance and Tata Capital trade at or above the industry multiple.
Which of these transport financier, group lender and mortgage lender stocks has the highest return on equity?
Ans. Shriram Finance has the highest return on equity at 15.21%, followed by PNB Housing Finance at 11.92% and Tata Capital at 10.57%.
What are the risks of investing in transport financier, group lender and mortgage lender stocks?
Ans. The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.
How did Shriram Finance, Tata Capital and PNB Housing perform in Q1 FY27?
Ans. Shriram Finance reported revenue of Rs 13,418.74 crore, up 16.3% year on year, and net profit rose 60.0% to Rs 3,447.26 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore. PNB Housing Finance reported revenue of Rs 2,265.36 crore, up 8.8% year on year, and net profit rose 4.5% to Rs 557.34 crore.
Do transport financier, group lender and mortgage lender stocks pay dividends?
Ans. Yes, all three companies pay dividends. The dividend yield is 0.94% for Shriram Finance, 0.18% for Tata Capital and 0.69% for PNB Housing, based on dividends declared for FY26.
How can I invest in transport financier, group lender and mortgage lender stocks in India?
Ans. You can buy transport financier, group lender and mortgage lender stocks through a demat and trading account on NSE or BSE after checking each company’s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.