{"id":297315,"date":"2026-10-09T10:42:03","date_gmt":"2026-10-09T05:12:03","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=297315"},"modified":"2026-10-09T10:42:03","modified_gmt":"2026-10-09T05:12:03","slug":"home-loan-finance-stocks-strong-roadmap","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/","title":{"rendered":"3 Home Loan Finance Stocks With a Strong Future Roadmap: PNB Housing Finance, Aptus Value Housing Finance India and LIC Housing Finance"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>PNB Housing Rs 1,150.00, P\/E 12.95. Aptus Rs 216.92, P\/E 11.03. LIC Housing Rs 537.00, P\/E 5.15. Closing prices of 8 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Home loan finance stocks with the clearest long-term roadmaps today include PNB Housing in home loans and loan against property, Aptus in affordable home loans in South India and LIC Housing in home loans for salaried and self-employed borrowers. FY26 revenue growth was 10.6% at PNB Housing, 24.9% at Aptus and 2.6% at LIC Housing. P\/E stands at 12.95 for PNB Housing (industry 17.72), 11.03 for Aptus (industry 17.72) and 5.15 for LIC Housing (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Home loan finance stocks give investors exposure to lenders that fund home purchase and construction across income groups. Loan growth, margin and asset quality decide how well housing demand converts into earnings.<\/p>\n<p>This list covers three home loan finance stocks: PNB Housing Finance for home loans and loan against property, Aptus Value Housing Finance India for affordable home loans in South India and LIC Housing Finance for home loans for salaried and self-employed borrowers. Every figure comes from the latest reported financials and the 8 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=home-loan-finance-stocks-strong-roadmap\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#What_Are_Home_Loan_Finance_Stocks\" title=\"What Are Home Loan Finance Stocks?\">What Are Home Loan Finance Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Home_Loan_Finance_Stocks_at_a_Glance\" title=\"Home Loan Finance Stocks at a Glance\">Home Loan Finance Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Why_Do_Home_Loan_Finance_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Home Loan Finance Stocks Have a Strong Roadmap in India?\">Why Do Home Loan Finance Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\" title=\"PNB Housing Finance: Home Loan Growth Anchors the Roadmap\">PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\" title=\"Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline\">Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\" title=\"LIC Housing Finance: Large Home Loan Book Builds the Next Leg\">LIC Housing Finance: Large Home Loan Book Builds the Next Leg<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Best_Home_Loan_Finance_Stocks_in_India_PNB_Housing_vs_Aptus_vs_LIC_Housing_on_Key_Financials\" title=\"Best Home Loan Finance Stocks in India: PNB Housing vs Aptus vs LIC Housing on Key Financials\">Best Home Loan Finance Stocks in India: PNB Housing vs Aptus vs LIC Housing on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#How_to_Evaluate_Home_Loan_Finance_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Home Loan Finance Stocks to Buy Before You Invest\">How to Evaluate Home Loan Finance Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Risks_to_Consider_Before_Investing_in_Home_Loan_Finance_Stocks\" title=\"Risks to Consider Before Investing in Home Loan Finance Stocks\">Risks to Consider Before Investing in Home Loan Finance Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#FAQs_on_Home_Loan_Finance_Stocks\" title=\"FAQs on Home Loan Finance Stocks\">FAQs on Home Loan Finance Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Which_are_the_best_home_loan_finance_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best home loan finance stocks in India with a strong roadmap?\">Which are the best home loan finance stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Is_PNB_Housing_Finance_a_good_stock_to_buy_now\" title=\"Is PNB Housing Finance a good stock to buy now?\">Is PNB Housing Finance a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#What_is_the_PE_ratio_of_PNB_Housing_Aptus_and_LIC_Housing\" title=\"What is the P\/E ratio of PNB Housing, Aptus and LIC Housing?\">What is the P\/E ratio of PNB Housing, Aptus and LIC Housing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Which_of_these_home_loan_finance_stocks_has_the_highest_return_on_equity\" title=\"Which of these home loan finance stocks has the highest return on equity?\">Which of these home loan finance stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#What_are_the_risks_of_investing_in_home_loan_finance_stocks\" title=\"What are the risks of investing in home loan finance stocks?\">What are the risks of investing in home loan finance stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#How_did_PNB_Housing_Aptus_and_LIC_Housing_perform_in_Q1_FY27\" title=\"How did PNB Housing, Aptus and LIC Housing perform in Q1 FY27?\">How did PNB Housing, Aptus and LIC Housing perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#Do_home_loan_finance_stocks_pay_dividends\" title=\"Do home loan finance stocks pay dividends?\">Do home loan finance stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/home-loan-finance-stocks-strong-roadmap\/#How_can_I_invest_in_home_loan_finance_stocks_in_India\" title=\"How can I invest in home loan finance stocks in India?\">How can I invest in home loan finance stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Home_Loan_Finance_Stocks\"><\/span><strong>What Are Home Loan Finance Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home loan finance stocks are shares of companies that lend to home buyers and builders against property. Results depend on loan growth, net interest margin and asset quality, so net interest margin and asset quality separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Home_Loan_Finance_Stocks_at_a_Glance\"><\/span><strong>Home Loan Finance Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three home loan finance stocks as of the 8 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,150.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,992<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aptus\/aptus-value-housing-finance-india-ltd-share-price-today\">Aptus Value Housing Finance India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">216.92<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,863<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.56<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">537.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,538<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.53%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.70<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among housing finance stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Home_Loan_Finance_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Home Loan Finance Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home loan finance stocks have a strong roadmap in India because home ownership remains a priority, urban housing demand is steady and affordable housing needs formal credit. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Home ownership:<\/strong> Rising incomes and a young population keep housing demand healthy.<\/li>\n<li><strong>Affordable housing:<\/strong> Self-employed and lower income buyers need formal home credit.<\/li>\n<li><strong>Government support:<\/strong> Housing schemes and tax benefits support borrowing.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\"><\/span><strong>PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB Housing&#8217;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.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>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&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\"><\/span><strong>Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aptus&#8217; roadmap rests on home loans for self-employed and low-income households, mainly in South India, with a focused customer segment supporting steady loan growth.<\/p>\n<p>Revenue grew from Rs 840.22 crore in FY22 to Rs 2,245.48 crore in FY26, a 167.2% rise, and FY26 revenue was 24.9% higher than FY25. FY26 net profit rose 25.5% to Rs 942.94 crore. Over four years, net profit rose from Rs 370.14 crore in FY22 to Rs 942.94 crore. In Q1 FY27, revenue grew 15.2% to Rs 610.66 crore, and net profit rose 19.0% to Rs 260.94 crore.<\/p>\n<p>Debt to equity is 1.56 and return on equity is 18.64%. Aptus paid a dividend of Rs 4.5 per share for FY26, a yield of 2.07%. At a P\/E of 11.03 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 11.03 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\"><\/span><strong>LIC Housing Finance: Large Home Loan Book Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing&#8217;s roadmap rests on home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group, with a large loan book and a trusted brand supporting origination.<\/p>\n<p>Revenue grew from Rs 20,005.31 crore in FY22 to Rs 28,843.49 crore in FY26, a 44.2% rise, and FY26 revenue was 2.6% higher than FY25. FY26 net profit rose 3.0% to Rs 5,604.24 crore. Over four years, net profit rose from Rs 2,286.00 crore in FY22 to Rs 5,604.24 crore. In Q1 FY27, revenue declined 1.4% to Rs 7,085.58 crore, and net profit rose 9.9% to Rs 1,499.03 crore.<\/p>\n<p>Debt to equity is 6.70 and return on equity is 13.53%. LIC Housing paid a dividend of Rs 10 per share for FY26, a yield of 1.86%. At a P\/E of 5.15 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: Q1 FY27 revenue of Rs 7,085.58 Cr was 1.4% lower than a year earlier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Home_Loan_Finance_Stocks_in_India_PNB_Housing_vs_Aptus_vs_LIC_Housing_on_Key_Financials\"><\/span><strong>Best Home Loan Finance Stocks in India: PNB Housing vs Aptus vs LIC Housing on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best home loan finance stocks in India, PNB Housing ranks second on FY26 revenue growth and Q1 FY27 revenue growth; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; LIC Housing leads on the lowest P\/E. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">PNB Housing<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aptus<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">LIC Housing<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8,505.04<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,245.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28,843.49<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,291.24<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">942.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,604.24<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.0%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">-1.4%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.56<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.70<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.69%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.07%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.86%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Housing finance earnings follow loan growth, net interest margin and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Home_Loan_Finance_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Home Loan Finance Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen home loan finance stocks and shortlist home loan finance stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check the net interest margin and the gross NPA trend together, since pricing and quality both matter.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch debt to equity and interest cover before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these home loan finance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Home_Loan_Finance_Stocks\"><\/span><strong>Risks to Consider Before Investing in Home Loan Finance Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Interest rates:<\/strong> Rate moves can change affordability and spreads.<\/li>\n<li><strong>Property cycles:<\/strong> Slower housing demand can affect disbursements.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track PNB Housing, Aptus and LIC Housing live.<\/em><\/p>\n<p>Annual reports and quarterly result presentations are the most reliable places to verify the numbers quoted here, because they show segment details, management commentary and the notes behind each figure.<\/p>\n<p>Comparing a quarter with the same quarter of the previous year gives a cleaner reading than comparing it with the preceding quarter, since seasonal patterns affect many businesses in India.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three housing finance stocks cover home loans with loan against property, affordable home loans for self-employed borrowers and home loans backed by a large group. PNB Housing ranks second on FY26 revenue growth and Q1 FY27 revenue growth; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; LIC Housing leads on the lowest P\/E.<\/p>\n<p>Across home loan finance 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 home loan finance stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> 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).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Home_Loan_Finance_Stocks\"><\/span><strong>FAQs on Home Loan Finance Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_home_loan_finance_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best home loan finance stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance, Aptus Value Housing Finance India and LIC Housing Finance stand out for their roadmaps in home loans with loan against property, affordable home loans for self-employed borrowers and home loans backed by a large group. FY26 revenue growth was 10.6% at PNB Housing, 24.9% at Aptus and 2.6% at LIC Housing, and return on equity ranges from 11.92% to 18.64%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_PNB_Housing_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is PNB Housing Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance has a debt to equity ratio of 3.70, a return on equity of 11.92% and a P\/E of 12.95 against an industry P\/E of 17.72. Valuation, interest rate moves and housing demand cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_PNB_Housing_Aptus_and_LIC_Housing\"><\/span><strong>What is the P\/E ratio of PNB Housing, Aptus and LIC Housing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 12.95 for PNB Housing (industry 17.72), 11.03 for Aptus (industry 17.72) and 5.15 for LIC Housing (industry 17.72). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_home_loan_finance_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these home loan finance stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by LIC Housing Finance at 13.53% and PNB Housing Finance at 11.92%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_home_loan_finance_stocks\"><\/span><strong>What are the risks of investing in home loan finance stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are interest rates, property cycles and quarterly trends. Rate moves can change affordability and spreads.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_PNB_Housing_Aptus_and_LIC_Housing_perform_in_Q1_FY27\"><\/span><strong>How did PNB Housing, Aptus and LIC Housing perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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. Aptus Value Housing Finance India reported revenue of Rs 610.66 crore, up 15.2% year on year, and net profit rose 19.0% to Rs 260.94 crore. LIC Housing Finance reported revenue of Rs 7,085.58 crore, down 1.4% year on year, and net profit rose 9.9% to Rs 1,499.03 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_home_loan_finance_stocks_pay_dividends\"><\/span><strong>Do home loan finance stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 0.69% for PNB Housing, 2.07% for Aptus and 1.86% for LIC Housing, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_home_loan_finance_stocks_in_India\"><\/span><strong>How can I invest in home loan finance stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy home loan finance stocks through a demat and trading account on NSE or BSE after checking each company&#8217;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.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best home loan finance stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance, Aptus Value Housing Finance India and LIC Housing Finance stand out for their roadmaps in home loans with loan against property, affordable home loans for self-employed borrowers and home loans backed by a large group. FY26 revenue growth was 10.6% at PNB Housing, 24.9% at Aptus and 2.6% at LIC Housing, and return on equity ranges from 11.92% to 18.64%.\"}},{\"@type\":\"Question\",\"name\":\"Is PNB Housing Finance a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance has a debt to equity ratio of 3.70, a return on equity of 11.92% and a P\/E of 12.95 against an industry P\/E of 17.72. Valuation, interest rate moves and housing demand cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of PNB Housing, Aptus and LIC Housing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 12.95 for PNB Housing (industry 17.72), 11.03 for Aptus (industry 17.72) and 5.15 for LIC Housing (industry 17.72). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these home loan finance stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by LIC Housing Finance at 13.53% and PNB Housing Finance at 11.92%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in home loan finance stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are interest rates, property cycles and quarterly trends. Rate moves can change affordability and spreads.\"}},{\"@type\":\"Question\",\"name\":\"How did PNB Housing, Aptus and LIC Housing perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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. 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Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>PNB Housing Finance, Aptus Value Housing Finance India and LIC Housing Finance compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":297313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10587,10585,10586,10588,6065],"class_list":["post-297315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aptus-value-housing-finance-india","tag-home-loan-finance-stocks","tag-home-loan-finance-stocks-to-buy","tag-lic-housing-finance","tag-pnb-housing-finance"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["297313"],"rank_math_title":["Home Loan Finance Stocks: PNB Housing, Aptus and LIC Housing"],"rank_math_description":["Home loan finance stocks with a strong roadmap: PNB Housing, Aptus and LIC Housing compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["home loan finance stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-home-loan-finance-stocks-with-a-strong-future-roadmap-pnb-housing-finance.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/297315","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=297315"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/297315\/revisions"}],"predecessor-version":[{"id":297316,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/297315\/revisions\/297316"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/297313"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=297315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=297315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=297315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}