{"id":307473,"date":"2026-10-14T12:14:38","date_gmt":"2026-10-14T06:44:38","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=307473"},"modified":"2026-10-14T12:14:38","modified_gmt":"2026-10-14T06:44:38","slug":"consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/","title":{"rendered":"3 Consumer Lender, Regional Housing and Power Financing Stocks With a Strong Future Roadmap: Bajaj Finance, Repco Home Finance and Power Finance Corporation"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Bajaj Finance Rs 982.75, P\/E 28.77. Repco Home Rs 331.40. PFC Rs 342.05. Closing prices of 13 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;\">Consumer lender, regional housing and power financing stocks with the clearest long-term roadmaps today include Bajaj Finance in consumer, small business and mortgage lending, Repco Home in home loans and loan against property for borrowers in smaller towns and PFC in lending to power generation, transmission, distribution and renewable energy projects. FY26 revenue growth was 19.1% at Bajaj Finance, 4.8% at Repco Home and 8.4% at PFC. 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>Consumer lender, regional housing and power financing stocks give investors exposure to loans that help households, small-town home buyers and power projects. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three consumer lender, regional housing and power financing stocks: Bajaj Finance for consumer, small business and mortgage lending, Repco Home Finance for home loans and loan against property for borrowers in smaller towns and Power Finance Corporation for lending to power generation, transmission, distribution and renewable energy projects. Every figure comes from the latest reported financials and the 13 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=consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\"><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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#What_Are_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\" title=\"What Are Consumer Lender, Regional Housing and Power Financing Stocks?\">What Are Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_at_a_Glance\" title=\"Consumer Lender, Regional Housing and Power Financing Stocks at a Glance\">Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Why_Do_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Consumer Lender, Regional Housing and Power Financing Stocks Have a Strong Roadmap in India?\">Why Do Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\" title=\"Bajaj Finance: Consumer and Business Lending Build the Next Leg\">Bajaj Finance: Consumer and Business Lending 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-5\" href=\"https:\/\/univest.in\/blogs-2\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Repco_Home_Finance_Small_Town_Home_Loans_Drive_the_Pipeline\" title=\"Repco Home Finance: Small Town Home Loans Drive the Pipeline\">Repco Home Finance: Small Town 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Power_Finance_Corporation_Power_Sector_Lending_Builds_the_Next_Leg\" title=\"Power Finance Corporation: Power Sector Lending Builds the Next Leg\">Power Finance Corporation: Power Sector Lending 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Best_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_in_India_Bajaj_Finance_vs_Repco_Home_vs_PFC_on_Key_Financials\" title=\"Best Consumer Lender, Regional Housing and Power Financing Stocks in India: Bajaj Finance vs Repco Home vs PFC on Key Financials\">Best Consumer Lender, Regional Housing and Power Financing Stocks in India: Bajaj Finance vs Repco Home vs PFC 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#How_to_Evaluate_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Consumer Lender, Regional Housing and Power Financing Stocks to Buy Before You Invest\">How to Evaluate Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Risks_to_Consider_Before_Investing_in_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\" title=\"Risks to Consider Before Investing in Consumer Lender, Regional Housing and Power Financing Stocks\">Risks to Consider Before Investing in Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#FAQs_on_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\" title=\"FAQs on Consumer Lender, Regional Housing and Power Financing Stocks\">FAQs on Consumer Lender, Regional Housing and Power Financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Which_are_the_best_consumer_lender_regional_housing_and_power_financing_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best consumer lender, regional housing and power financing stocks in India with a strong roadmap?\">Which are the best consumer lender, regional housing and power financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Is_Bajaj_Finance_a_good_stock_to_buy_now\" title=\"Is Bajaj Finance a good stock to buy now?\">Is Bajaj 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#What_is_the_PE_ratio_of_Bajaj_Finance_Repco_Home_and_PFC\" title=\"What is the P\/E ratio of Bajaj Finance, Repco Home and PFC?\">What is the P\/E ratio of Bajaj Finance, Repco Home and PFC?<\/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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Which_of_these_consumer_lender_regional_housing_and_power_financing_stocks_has_the_highest_return_on_equity\" title=\"Which of these consumer lender, regional housing and power financing stocks has the highest return on equity?\">Which of these consumer lender, regional housing and power financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#What_are_the_risks_of_investing_in_consumer_lender_regional_housing_and_power_financing_stocks\" title=\"What are the risks of investing in consumer lender, regional housing and power financing stocks?\">What are the risks of investing in consumer lender, regional housing and power financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#How_did_Bajaj_Finance_Repco_Home_and_PFC_perform_in_Q1_FY27\" title=\"How did Bajaj Finance, Repco Home and PFC perform in Q1 FY27?\">How did Bajaj Finance, Repco Home and PFC 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#Do_consumer_lender_regional_housing_and_power_financing_stocks_pay_dividends\" title=\"Do consumer lender, regional housing and power financing stocks pay dividends?\">Do consumer lender, regional housing and power financing 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\/consumer-lender-regional-housing-and-power-financing-stocks-roadmap-leaders-roundup\/#How_can_I_invest_in_consumer_lender_regional_housing_and_power_financing_stocks_in_India\" title=\"How can I invest in consumer lender, regional housing and power financing stocks in India?\">How can I invest in consumer lender, regional housing and power financing stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\"><\/span><strong>What Are Consumer Lender, Regional Housing and Power Financing Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consumer lender, regional housing and power financing 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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_at_a_Glance\"><\/span><strong>Consumer Lender, Regional Housing and Power Financing 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 consumer lender, regional housing and power financing stocks as of the 13 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\/bajfinance\/bajaj-finance-ltd-share-price-today\">Bajaj Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">982.75<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">593,956<\/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;\">16.68%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.82<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/repcohome\/repco-home-finance-ltd-share-price-today\">Repco Home Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">331.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,109<\/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;\">11.77%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.02<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/pfc\/power-finance-corporation-ltd-share-price-today\">Power Finance Corporation<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">342.05<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">106,758<\/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;\">18.22%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.00<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among lending stocks, both trade at a premium to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Consumer Lender, Regional Housing and Power Financing Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Consumer lender, regional housing and power financing stocks have a strong roadmap in India because consumer credit, home ownership in smaller towns and power sector investment keep adding customers for these lenders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Consumer credit:<\/strong> More households finance purchases through formal lenders.<\/li>\n<li><strong>Smaller towns:<\/strong> Property loans reach new borrowers.<\/li>\n<li><strong>Power investment:<\/strong> Generation and grid projects need long-term funds.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Consumer_and_Business_Lending_Build_the_Next_Leg\"><\/span><strong>Bajaj Finance: Consumer and Business Lending Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finance&#8217;s roadmap rests on consumer, small business and mortgage lending, along with a large customer base and a fast-growing digital platform, with cross-selling to existing customers supporting loan growth.<\/p>\n<p>Revenue grew from Rs 31,640.41 crore in FY22 to Rs 81,989.50 crore in FY26, a 159.1% rise, and FY26 revenue was 19.1% higher than FY25. FY26 net profit rose 15.2% to Rs 19,332.36 crore. Over four years, net profit rose from Rs 7,028.23 crore in FY22 to Rs 19,332.36 crore. In Q1 FY27, revenue grew 18.6% to Rs 23,166.42 crore, and net profit rose 27.6% to Rs 6,080.60 crore.<\/p>\n<p>Debt to equity is 3.82 and return on equity is 16.68%. Bajaj Finance paid a dividend of Rs 6 per share for FY26, a yield of 0.63%. At a P\/E of 28.77 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 28.77 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Repco_Home_Finance_Small_Town_Home_Loans_Drive_the_Pipeline\"><\/span><strong>Repco Home Finance: Small Town Home Loans Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Repco Home&#8217;s roadmap rests on home loans and loan against property for borrowers in smaller towns, mainly in South India, with steady housing credit demand supporting loan growth.<\/p>\n<p>Revenue grew from Rs 1,306.57 crore in FY22 to Rs 1,793.90 crore in FY26, a 37.3% rise, and FY26 revenue was 4.8% higher than FY25. FY26 net profit rose 0.8% to Rs 448.98 crore. Over four years, net profit rose from Rs 191.55 crore in FY22 to Rs 448.98 crore. In Q1 FY27, revenue grew 6.2% to Rs 467.90 crore, and net profit rose 5.7% to Rs 114.15 crore.<\/p>\n<p>Debt to equity is 3.02 and return on equity is 11.77%. Repco Home paid a dividend of Rs 3 per share for FY26, a yield of 0.89%.<\/p>\n<p>What to watch: Return on equity of 11.77% is the figure to follow as growth continues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Power_Finance_Corporation_Power_Sector_Lending_Builds_the_Next_Leg\"><\/span><strong>Power Finance Corporation: Power Sector Lending Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PFC&#8217;s roadmap rests on lending to power generation, transmission, distribution and renewable energy projects, with power sector investment supporting its loan book.<\/p>\n<p>Revenue grew from Rs 76,344.92 crore in FY22 to Rs 115,533.18 crore in FY26, a 51.3% rise, and FY26 revenue was 8.4% higher than FY25. FY26 net profit rose 10.2% to Rs 33,625.34 crore. Over four years, net profit rose from Rs 18,768.21 crore in FY22 to Rs 33,625.34 crore.<\/p>\n<p>Debt to equity is 7.00 and return on equity is 18.22%.<\/p>\n<p>What to watch: Return on equity of 18.22% is the figure to follow as growth continues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_in_India_Bajaj_Finance_vs_Repco_Home_vs_PFC_on_Key_Financials\"><\/span><strong>Best Consumer Lender, Regional Housing and Power Financing Stocks in India: Bajaj Finance vs Repco Home vs PFC on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best consumer lender, regional housing and power financing stocks in India, Bajaj Finance leads on FY26 revenue growth and FY26 net profit growth; Repco Home leads on the lowest debt to equity; PFC leads on return on equity. 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;\">Bajaj Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Repco Home<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">PFC<\/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;\">81,989.50<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,793.90<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">115,533.18<\/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;\">19.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.4%<\/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;\">19,332.36<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">448.98<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33,625.34<\/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;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.2%<\/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;\">16.68%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.77%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.22%<\/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;\">3.82<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.02<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.00<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, funding costs 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_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Consumer Lender, Regional Housing and Power Financing 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 consumer lender, regional housing and power financing stocks and shortlist consumer lender, regional housing and power financing 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 loan growth, asset quality and capital adequacy together.<\/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 consumer lender, regional housing and power financing stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\"><\/span><strong>Risks to Consider Before Investing in Consumer Lender, Regional Housing and Power Financing Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/li>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move spreads.<\/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 Bajaj Finance, Repco Home and PFC 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<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 lending stocks cover consumer loans, regional home loans and power sector financing. Bajaj Finance leads on FY26 revenue growth and FY26 net profit growth; Repco Home leads on the lowest debt to equity; PFC leads on return on equity.<\/p>\n<p>Across consumer lender, regional housing and power financing 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 consumer lender, regional housing and power financing 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_Consumer_Lender_Regional_Housing_and_Power_Financing_Stocks\"><\/span><strong>FAQs on Consumer Lender, Regional Housing and Power Financing Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_consumer_lender_regional_housing_and_power_financing_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best consumer lender, regional housing and power financing stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance, Repco Home Finance and Power Finance Corporation stand out for their roadmaps in consumer loans, regional home loans and power sector financing. FY26 revenue growth was 19.1% at Bajaj Finance, 4.8% at Repco Home and 8.4% at PFC, and return on equity ranges from 11.77% to 18.22%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bajaj_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is Bajaj Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance has a debt to equity ratio of 3.82, a return on equity of 16.68% and a P\/E of 28.77 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Bajaj_Finance_Repco_Home_and_PFC\"><\/span><strong>What is the P\/E ratio of Bajaj Finance, Repco Home and PFC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 28.77 for Bajaj Finance (industry 17.72). All of them trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_consumer_lender_regional_housing_and_power_financing_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these consumer lender, regional housing and power financing stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Power Finance Corporation has the highest return on equity at 18.22%, followed by Bajaj Finance at 16.68% and Repco Home Finance at 11.77%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_consumer_lender_regional_housing_and_power_financing_stocks\"><\/span><strong>What are the risks of investing in consumer lender, regional housing and power financing stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, asset quality, funding costs and quarterly trends. Bajaj Finance trades at 28.77 times earnings against an industry multiple of 17.72.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Bajaj_Finance_Repco_Home_and_PFC_perform_in_Q1_FY27\"><\/span><strong>How did Bajaj Finance, Repco Home and PFC perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance reported revenue of Rs 23,166.42 crore, up 18.6% year on year, and net profit rose 27.6% to Rs 6,080.60 crore. Repco Home Finance reported revenue of Rs 467.90 crore, up 6.2% year on year, and net profit rose 5.7% to Rs 114.15 crore. Power Finance Corporation reported .<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_consumer_lender_regional_housing_and_power_financing_stocks_pay_dividends\"><\/span><strong>Do consumer lender, regional housing and power financing stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance and Repco Home pay dividends. The dividend yield is 0.63% for Bajaj Finance and 0.89% for Repco Home, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_consumer_lender_regional_housing_and_power_financing_stocks_in_India\"><\/span><strong>How can I invest in consumer lender, regional housing and power financing stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy consumer lender, regional housing and power financing 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 consumer lender, regional housing and power financing stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bajaj Finance, Repco Home Finance and Power Finance Corporation stand out for their roadmaps in consumer loans, regional home loans and power sector financing. 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The dividend yield is 0.63% for Bajaj Finance and 0.89% for Repco Home, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in consumer lender, regional housing and power financing stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy consumer lender, regional housing and power financing 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.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bajaj Finance, Repco Home Finance and Power Finance Corporation compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":35,"featured_media":307472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[583,11975,10958,12060,12061,11203],"class_list":["post-307473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-bajaj-finance","tag-consumer-lender","tag-power-finance-corporation","tag-regional-housing-and-power-financing-stocks","tag-regional-housing-and-power-financing-stocks-to-buy","tag-repco-home-finance"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["307472"],"rank_math_title":["Consumer Lender, Regional Housing and Power Financing Stocks"],"rank_math_description":["Consumer lender, regional housing and power financing stocks with a strong roadmap: Bajaj Finance, Repco Home and PFC compared on growth, valuation and risks."],"rank_math_focus_keyword":["consumer lender, regional housing and power financing 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-consumer-lender-regional-housing-and-power-financing-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307473","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\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=307473"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307473\/revisions"}],"predecessor-version":[{"id":307474,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307473\/revisions\/307474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/307472"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=307473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=307473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=307473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}