{"id":301694,"date":"2026-10-12T11:56:19","date_gmt":"2026-10-12T06:26:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=301694"},"modified":"2026-10-12T11:56:19","modified_gmt":"2026-10-12T06:26:19","slug":"fintech-and-commerce-software-stocks-long-term-growth-picks","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/fintech-and-commerce-software-stocks-long-term-growth-picks\/","title":{"rendered":"3 Fintech and Commerce Software Stocks With a Strong Future Roadmap: Unicommerce eSolutions, One 97 Communications and Aurionpro Solutions"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Unicommerce Rs 82.82, P\/E 42.28. Paytm Rs 1,636.00. Aurionpro Rs 601.60, P\/E 16.00. Closing prices of 9 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;\">Fintech and commerce software stocks with the clearest long-term roadmaps today include Unicommerce in e-commerce operations software, Paytm in payments and merchant platform and Aurionpro in banking and enterprise software. P\/E stands at 42.28 for Unicommerce (industry 17.30) and 16.00 for Aurionpro (industry 17.30). 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>Fintech and commerce software stocks give investors exposure to software and payment tools that run online selling, payments and bank technology. Merchant growth, transaction volumes and software contracts decide how much of that demand turns into profit.<\/p>\n<p>This list covers three fintech and commerce software stocks: Unicommerce eSolutions for e-commerce operations software, One 97 Communications for payments and merchant platform and Aurionpro Solutions for banking and enterprise software. Every figure comes from the latest reported financials and the 9 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=fintech-and-commerce-software-stocks-long-term-growth-picks\"><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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#What_Are_Fintech_and_Commerce_Software_Stocks\" title=\"What Are Fintech and Commerce Software Stocks?\">What Are Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Fintech_and_Commerce_Software_Stocks_at_a_Glance\" title=\"Fintech and Commerce Software Stocks at a Glance\">Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Why_Do_Fintech_and_Commerce_Software_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Fintech and Commerce Software Stocks Have a Strong Roadmap in India?\">Why Do Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Unicommerce_eSolutions_E-Commerce_Operations_Software_Drives_the_Pipeline\" title=\"Unicommerce eSolutions: E-Commerce Operations Software Drives the Pipeline\">Unicommerce eSolutions: E-Commerce Operations Software Drives the Pipeline<\/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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#One_97_Communications_Payments_and_Merchant_Services_Build_the_Next_Leg\" title=\"One 97 Communications: Payments and Merchant Services Build the Next Leg\">One 97 Communications: Payments and Merchant Services Build the Next Leg<\/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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Aurionpro_Solutions_Banking_Software_Anchors_the_Roadmap\" title=\"Aurionpro Solutions: Banking Software Anchors the Roadmap\">Aurionpro Solutions: Banking Software Anchors the Roadmap<\/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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Best_Fintech_and_Commerce_Software_Stocks_in_India_Unicommerce_vs_Paytm_vs_Aurionpro_on_Key_Financials\" title=\"Best Fintech and Commerce Software Stocks in India: Unicommerce vs Paytm vs Aurionpro on Key Financials\">Best Fintech and Commerce Software Stocks in India: Unicommerce vs Paytm vs Aurionpro 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#How_to_Evaluate_Fintech_and_Commerce_Software_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Fintech and Commerce Software Stocks to Buy Before You Invest\">How to Evaluate Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Risks_to_Consider_Before_Investing_in_Fintech_and_Commerce_Software_Stocks\" title=\"Risks to Consider Before Investing in Fintech and Commerce Software Stocks\">Risks to Consider Before Investing in Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#FAQs_on_Fintech_and_Commerce_Software_Stocks\" title=\"FAQs on Fintech and Commerce Software Stocks\">FAQs on Fintech and Commerce Software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Which_are_the_best_fintech_and_commerce_software_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best fintech and commerce software stocks in India with a strong roadmap?\">Which are the best fintech and commerce software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Is_Unicommerce_eSolutions_a_good_stock_to_buy_now\" title=\"Is Unicommerce eSolutions a good stock to buy now?\">Is Unicommerce eSolutions 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#What_is_the_PE_ratio_of_Unicommerce_Paytm_and_Aurionpro\" title=\"What is the P\/E ratio of Unicommerce, Paytm and Aurionpro?\">What is the P\/E ratio of Unicommerce, Paytm and Aurionpro?<\/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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Which_of_these_fintech_and_commerce_software_stocks_has_the_highest_return_on_equity\" title=\"Which of these fintech and commerce software stocks has the highest return on equity?\">Which of these fintech and commerce software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#What_are_the_risks_of_investing_in_fintech_and_commerce_software_stocks\" title=\"What are the risks of investing in fintech and commerce software stocks?\">What are the risks of investing in fintech and commerce software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#How_did_Unicommerce_Paytm_and_Aurionpro_perform_in_Q1_FY27\" title=\"How did Unicommerce, Paytm and Aurionpro perform in Q1 FY27?\">How did Unicommerce, Paytm and Aurionpro 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#Do_fintech_and_commerce_software_stocks_pay_dividends\" title=\"Do fintech and commerce software stocks pay dividends?\">Do fintech and commerce software 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\/fintech-and-commerce-software-stocks-long-term-growth-picks\/#How_can_I_invest_in_fintech_and_commerce_software_stocks_in_India\" title=\"How can I invest in fintech and commerce software stocks in India?\">How can I invest in fintech and commerce software stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Fintech_and_Commerce_Software_Stocks\"><\/span><strong>What Are Fintech and Commerce Software Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fintech and commerce software stocks are shares of companies that sell software and payment services for online commerce, merchants and banks. Results depend on merchant growth, transaction volumes and contract wins, so recurring revenue and margins separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fintech_and_Commerce_Software_Stocks_at_a_Glance\"><\/span><strong>Fintech and Commerce Software 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 fintech and commerce software stocks as of the 9 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;\">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\/uniecom\/unicommerce-esolutions-ltd-share-price-today\">Unicommerce eSolutions<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">82.82<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">898<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.30<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.60%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.05<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/paytm\/one-communications-ltd-share-price-today\">One 97 Communications<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,636.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">105,306<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">124.53<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.55%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.01<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aurionpro\/aurionpro-solutions-ltd-share-price-today\">Aurionpro Solutions<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">601.60<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,299<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.30<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.05%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.03<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among digital commerce technology stocks, Unicommerce trades at a premium to the industry P\/E, while Aurionpro trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Fintech_and_Commerce_Software_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Fintech and Commerce Software Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fintech and commerce software stocks have a strong roadmap in India because more selling, paying and banking is moving online and the tools behind it are bought on repeat contracts. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Digital payments:<\/strong> UPI and card use keep adding merchants and transactions.<\/li>\n<li><strong>Online selling:<\/strong> Brands and marketplaces need software to run orders and stock.<\/li>\n<li><strong>Bank technology:<\/strong> Banks keep upgrading systems for digital services.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Unicommerce_eSolutions_E-Commerce_Operations_Software_Drives_the_Pipeline\"><\/span><strong>Unicommerce eSolutions: E-Commerce Operations Software Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unicommerce&#8217;s roadmap rests on cloud software that runs order, inventory, warehouse and shipping operations for e-commerce brands and marketplaces, with more online sellers moving to a single operating system for their sales channels.<\/p>\n<p>FY26 revenue was Rs 208.42 crore. FY26 net profit rose 16.1% to Rs 20.46 crore. In Q1 FY27, revenue grew 15.4% to Rs 52.79 crore, and net profit rose 20.3% to Rs 4.68 crore. Operating margin was 19.36% in FY26 and 13.41% in Q1 FY27 against 20.57% a year earlier.<\/p>\n<p>Debt to equity is 0.05 and return on equity is 10.60%. FY26 operating cash flow was Rs 47.00 crore against capital expenditure of Rs 2.13 crore. At a P\/E of 42.28 against an industry P\/E of 17.30, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The Q1 FY27 operating margin of 13.41% was below the 20.57% of a year earlier. The P\/E of 42.28 sits above the industry P\/E of 17.30, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"One_97_Communications_Payments_and_Merchant_Services_Build_the_Next_Leg\"><\/span><strong>One 97 Communications: Payments and Merchant Services Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Paytm&#8217;s roadmap rests on payments and financial services through UPI, QR and card devices, along with loan distribution, with a large merchant base supporting payments revenue.<\/p>\n<p>FY26 revenue was Rs 9,291.00 crore, 21.8% higher than FY25. FY26 net profit was Rs 552.00 crore. In Q1 FY27, revenue grew 21.8% to Rs 2,630.00 crore. Operating margin was 15.94% in FY26 and 15.73% in Q1 FY27 against 15.43% a year earlier.<\/p>\n<p>Debt to equity is 0.01 and return on equity is 4.55%.<\/p>\n<p>What to watch: Return on equity of 4.55% is modest.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aurionpro_Solutions_Banking_Software_Anchors_the_Roadmap\"><\/span><strong>Aurionpro Solutions: Banking Software Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aurionpro&#8217;s roadmap rests on software for banks and payment networks, along with smart city and data centre solutions, with banking technology spending supporting orders.<\/p>\n<p>Revenue grew from Rs 510.11 crore in FY22 to Rs 1,440.42 crore in FY26, a 182.4% rise, and FY26 revenue was 20.7% higher than FY25. FY26 net profit rose 11.1% to Rs 209.31 crore. Over four years, net profit rose from Rs 75.57 crore in FY22 to Rs 209.31 crore. In Q1 FY27, revenue grew 7.2% to Rs 364.75 crore.<\/p>\n<p>Debt to equity is 0.03 and return on equity is 12.05%. FY26 operating cash flow was Rs 55.51 crore against capital expenditure of Rs 170.10 crore. The dividend yield is 0.65%. At a P\/E of 16.00 against an industry P\/E of 17.30, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The Q1 FY27 operating margin of 19.04% was below the 21.24% of a year earlier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Fintech_and_Commerce_Software_Stocks_in_India_Unicommerce_vs_Paytm_vs_Aurionpro_on_Key_Financials\"><\/span><strong>Best Fintech and Commerce Software Stocks in India: Unicommerce vs Paytm vs Aurionpro on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best fintech and commerce software stocks in India, Unicommerce ranks second on Q1 FY27 revenue growth and return on equity; Paytm leads on Q1 FY27 revenue growth and the lowest debt to equity; Aurionpro leads on return on equity and dividend yield. 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;\">Unicommerce<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Paytm<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aurionpro<\/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;\">208.42<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,291.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,440.42<\/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;\">20.46<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">552.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">209.31<\/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;\">15.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.2%<\/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;\">10.60%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.55%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.05%<\/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;\">0.05<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.01<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.03<\/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;\">0.00%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.65%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Technology earnings follow merchant growth, transaction volumes and contract wins, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Fintech_and_Commerce_Software_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Fintech and Commerce Software 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 fintech and commerce software stocks and shortlist fintech and commerce software stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which differs by company here.<\/li>\n<li>Check how much revenue is recurring and whether margins improve with scale.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read operating cash flow against capital expenditure to see how growth is funded.<\/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 fintech and commerce software stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Fintech_and_Commerce_Software_Stocks\"><\/span><strong>Risks to Consider Before Investing in Fintech and Commerce Software Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> Unicommerce trades at 42.28 times earnings against an industry multiple of 17.30.<\/li>\n<li><strong>Margins:<\/strong> Unicommerce&#8217;s Q1 FY27 operating margin of 13.41% was below the 20.57% of a year earlier.<\/li>\n<li><strong>Competition:<\/strong> Large technology and payment firms compete for the same clients.<\/li>\n<li><strong>Regulation:<\/strong> Rules on payments and data can change business models.<\/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 Unicommerce, Paytm and Aurionpro 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<p>The shareholding pattern published every quarter shows whether promoters, mutual funds and foreign investors are raising or trimming their holdings, which adds useful context to the financial numbers.<\/p>\n<p>Spreading money across several sectors and company sizes helps keep a portfolio steady, because each business responds differently to interest rates, commodity prices and consumer demand.<\/p>\n<p>Investors who plan to hold for several years often review results twice a year, check whether management delivered on earlier guidance and compare progress with the original reasons for investing.<\/p>\n<p>Reading the notes to accounts and the management discussion section helps separate recurring income from one-time items, which matters when a single quarter looks unusually strong or weak.<\/p>\n<p>Position sizing matters as much as stock selection, because even a well-researched company can move against an investor in the short term for reasons unrelated to its business.<\/p>\n<p>Liquidity is worth checking before buying, since thinly traded shares can be harder to sell at the price an investor expects, especially in smaller companies.<\/p>\n<p>Dividend history, promoter holding changes and the pace of debt repayment are quick checks that reveal how management treats shareholders over a full business cycle, beyond a single year of earnings.<\/p>\n<p>Peer comparison works best when companies of similar size and business mix are placed side by side, because ratios such as price to earnings and return on equity differ widely between sectors and between large and small firms.<\/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 digital commerce technology stocks cover e-commerce operations software, payments and banking software. Unicommerce ranks second on Q1 FY27 revenue growth and return on equity; Paytm leads on Q1 FY27 revenue growth and the lowest debt to equity; Aurionpro leads on return on equity and dividend yield.<\/p>\n<p>Across fintech and commerce software 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 fintech and commerce software 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_Fintech_and_Commerce_Software_Stocks\"><\/span><strong>FAQs on Fintech and Commerce Software Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_fintech_and_commerce_software_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best fintech and commerce software stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Unicommerce eSolutions, One 97 Communications and Aurionpro Solutions stand out for their roadmaps in e-commerce operations software, payments and banking software. Return on equity ranges from 4.55% to 12.05%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Unicommerce_eSolutions_a_good_stock_to_buy_now\"><\/span><strong>Is Unicommerce eSolutions a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Unicommerce eSolutions has a debt to equity ratio of 0.05, a return on equity of 10.60% and a P\/E of 42.28 against an industry P\/E of 17.30. Valuation, competition and regulation 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_Unicommerce_Paytm_and_Aurionpro\"><\/span><strong>What is the P\/E ratio of Unicommerce, Paytm and Aurionpro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 42.28 for Unicommerce (industry 17.30) and 16.00 for Aurionpro (industry 17.30). Only Unicommerce trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_fintech_and_commerce_software_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these fintech and commerce software stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aurionpro Solutions has the highest return on equity at 12.05%, followed by Unicommerce eSolutions at 10.60% and One 97 Communications at 4.55%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_fintech_and_commerce_software_stocks\"><\/span><strong>What are the risks of investing in fintech and commerce software stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, margins, competition and regulation. Unicommerce trades at 42.28 times earnings against an industry multiple of 17.30.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Unicommerce_Paytm_and_Aurionpro_perform_in_Q1_FY27\"><\/span><strong>How did Unicommerce, Paytm and Aurionpro perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Unicommerce eSolutions reported revenue of Rs 52.79 crore, up 15.4% year on year, and net profit rose 20.3% to Rs 4.68 crore. One 97 Communications reported revenue of Rs 2,630.00 crore, up 21.8% year on year. Aurionpro Solutions reported revenue of Rs 364.75 crore, up 7.2% year on year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_fintech_and_commerce_software_stocks_pay_dividends\"><\/span><strong>Do fintech and commerce software stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aurionpro pays dividends. The dividend yield is 0.65% for Aurionpro, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_fintech_and_commerce_software_stocks_in_India\"><\/span><strong>How can I invest in fintech and commerce software stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy fintech and commerce software 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 fintech and commerce software stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Unicommerce eSolutions, One 97 Communications and Aurionpro Solutions stand out for their roadmaps in e-commerce operations software, payments and banking software. Return on equity ranges from 4.55% to 12.05%.\"}},{\"@type\":\"Question\",\"name\":\"Is Unicommerce eSolutions a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Unicommerce eSolutions has a debt to equity ratio of 0.05, a return on equity of 10.60% and a P\/E of 42.28 against an industry P\/E of 17.30. Valuation, competition and regulation move results. 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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>Unicommerce eSolutions, One 97 Communications and Aurionpro Solutions compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":29,"featured_media":301693,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10979,11135,11136,11137,10498],"class_list":["post-301694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aurionpro-solutions","tag-fintech-and-commerce-software-stocks","tag-fintech-and-commerce-software-stocks-to-buy","tag-one-97-communications","tag-unicommerce-esolutions"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["301693"],"rank_math_title":["Fintech and Commerce Software Stocks: Top 3 Roadmap Picks"],"rank_math_description":["Fintech and commerce software stocks with a strong roadmap: Unicommerce, Paytm and Aurionpro compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["fintech and commerce software 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-fintech-and-commerce-software-stocks-with-a-strong-future-roadmap-unicommerce.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301694","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\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=301694"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301694\/revisions"}],"predecessor-version":[{"id":301695,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301694\/revisions\/301695"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/301693"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=301694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=301694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=301694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}