{"id":313944,"date":"2026-10-16T14:55:02","date_gmt":"2026-10-16T09:25:02","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=313944"},"modified":"2026-10-16T14:55:02","modified_gmt":"2026-10-16T09:25:02","slug":"government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/","title":{"rendered":"3 Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks With a Strong Future Roadmap: IDBI Bank, L&#038;T Finance and CARE Ratings"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>IDBI Bank Rs 83.45, P\/E 9.57. L&amp;T Finance Rs 262.00, P\/E 20.15. CARE Ratings Rs 1,566.00, P\/E 25.70. Closing prices of 14 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;\">Government-owned lender, finance holding company and ratings agency stocks with the clearest long-term roadmaps today include IDBI Bank in retail and corporate banking with a growing deposit franchise, L&amp;T Finance in rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance and CARE Ratings in a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders. FY26 revenue growth was 4.6% at IDBI Bank, 12.4% at L&amp;T Finance and 16.5% at CARE Ratings. P\/E stands at 9.57 for IDBI Bank (industry 12.00), 20.15 for L&amp;T Finance (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). 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>Government-owned lender, finance holding company and ratings agency stocks give investors exposure to banking, rural and small business loans and ratings for households and issuers. Credit growth, funding costs and fee income decide how much of that demand turns into profit.<\/p>\n<p>This list covers three government-owned lender, finance holding company and ratings agency stocks: IDBI Bank for retail and corporate banking with a growing deposit franchise, L&amp;T Finance for rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance and CARE Ratings for a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders. Every figure comes from the latest reported financials and the 14 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=government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\"><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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#What_Are_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\" title=\"What Are Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks?\">What Are Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_at_a_Glance\" title=\"Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks at a Glance\">Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Why_Do_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks Have a Strong Roadmap in India?\">Why Do Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\" title=\"IDBI Bank: Retail and Corporate Banking Drive the Pipeline\">IDBI Bank: Retail and Corporate Banking Drive 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#L_T_Finance_Rural_and_Retail_Lending_Drive_the_Pipeline\" title=\"L&amp;T Finance: Rural and Retail Lending Drive the Pipeline\">L&amp;T Finance: Rural and Retail Lending 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#CARE_Ratings_Rating_Fees_Anchor_the_Roadmap\" title=\"CARE Ratings: Rating Fees Anchor the Roadmap\">CARE Ratings: Rating Fees Anchor 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Best_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_in_India_IDBI_Bank_vs_L_T_Finance_vs_CARE_Ratings_on_Key_Financials\" title=\"Best Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks in India: IDBI Bank vs L&amp;T Finance vs CARE Ratings on Key Financials\">Best Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks in India: IDBI Bank vs L&amp;T Finance vs CARE Ratings 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#How_to_Evaluate_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks to Buy Before You Invest\">How to Evaluate Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Risks_to_Consider_Before_Investing_in_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\" title=\"Risks to Consider Before Investing in Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks\">Risks to Consider Before Investing in Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#FAQs_on_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\" title=\"FAQs on Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks\">FAQs on Government-Owned Lender, Finance Holding Company and Ratings Agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Which_are_the_best_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best government-owned lender, finance holding company and ratings agency stocks in India with a strong roadmap?\">Which are the best government-owned lender, finance holding company and ratings agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Is_IDBI_Bank_a_good_stock_to_buy_now\" title=\"Is IDBI Bank a good stock to buy now?\">Is IDBI Bank 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#What_is_the_PE_ratio_of_IDBI_Bank_L_T_Finance_and_CARE_Ratings\" title=\"What is the P\/E ratio of IDBI Bank, L&amp;T Finance and CARE Ratings?\">What is the P\/E ratio of IDBI Bank, L&amp;T Finance and CARE Ratings?<\/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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Which_of_these_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_has_the_highest_return_on_equity\" title=\"Which of these government-owned lender, finance holding company and ratings agency stocks has the highest return on equity?\">Which of these government-owned lender, finance holding company and ratings agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#What_are_the_risks_of_investing_in_government-owned_lender_finance_holding_company_and_ratings_agency_stocks\" title=\"What are the risks of investing in government-owned lender, finance holding company and ratings agency stocks?\">What are the risks of investing in government-owned lender, finance holding company and ratings agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#How_did_IDBI_Bank_L_T_Finance_and_CARE_Ratings_perform_in_Q1_FY27\" title=\"How did IDBI Bank, L&amp;T Finance and CARE Ratings perform in Q1 FY27?\">How did IDBI Bank, L&amp;T Finance and CARE Ratings 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#Do_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_pay_dividends\" title=\"Do government-owned lender, finance holding company and ratings agency stocks pay dividends?\">Do government-owned lender, finance holding company and ratings agency 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\/government-owned-lender-finance-holding-company-and-ratings-agency-stocks-roadmap-lookout-list\/#How_can_I_invest_in_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_in_India\" title=\"How can I invest in government-owned lender, finance holding company and ratings agency stocks in India?\">How can I invest in government-owned lender, finance holding company and ratings agency stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\"><\/span><strong>What Are Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Government-owned lender, finance holding company and ratings agency stocks are shares of companies that lend, insure or take deposits for households and businesses. Results depend on credit 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=\"Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_at_a_Glance\"><\/span><strong>Government-Owned Lender, Finance Holding Company and Ratings Agency 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 government-owned lender, finance holding company and ratings agency stocks as of the 14 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<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/idbi\/idbi-bank-ltd-share-price-today\">IDBI Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">83.45<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">89,460<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.39%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/ltf\/lt-finance-holdings-ltd-share-price-today\">L&amp;T Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">262.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">64,440<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.15<\/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;\">10.65%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/carerating\/care-ratings-ltd-share-price-today\">CARE Ratings<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,566.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,631<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.32<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.36%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, L&amp;T Finance trades at a premium to the industry P\/E, while IDBI Bank and CARE Ratings trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Government-owned lender, finance holding company and ratings agency stocks have a strong roadmap in India because steady credit demand, rural and small business lending and growing bond markets keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Credit demand:<\/strong> Households and firms borrow more as activity grows.<\/li>\n<li><strong>Rural lending:<\/strong> Farm equipment, two-wheeler and small business loans stay in demand.<\/li>\n<li><strong>Rating demand:<\/strong> More issuers and lenders need ratings.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\"><\/span><strong>IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IDBI Bank&#8217;s roadmap rests on retail and corporate banking with a growing deposit franchise, with loan growth and a cleaner balance sheet supporting earnings.<\/p>\n<p>Revenue grew from Rs 23,235.02 crore in FY22 to Rs 35,631.19 crore in FY26, a 53.4% rise, and FY26 revenue was 4.6% higher than FY25. FY26 net profit rose 20.6% to Rs 9,236.61 crore. Over four years, net profit rose from Rs 2,557.07 crore in FY22 to Rs 9,236.61 crore. In Q1 FY27, revenue grew 1.6% to Rs 8,633.28 crore, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<p>Return on equity is 15.39%. At a P\/E of 9.57 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.57 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"L_T_Finance_Rural_and_Retail_Lending_Drive_the_Pipeline\"><\/span><strong>L&amp;T Finance: Rural and Retail Lending Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&amp;T Finance&#8217;s roadmap rests on rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance, with a retail-focused loan mix supporting the growth plan.<\/p>\n<p>Revenue grew from Rs 12,323.55 crore in FY22 to Rs 17,917.03 crore in FY26, a 45.4% rise, and FY26 revenue was 12.4% higher than FY25. FY26 net profit rose 12.8% to Rs 2,982.87 crore. Over four years, net profit rose from Rs 849.23 crore in FY22 to Rs 2,982.87 crore. In Q1 FY27, revenue grew 23.1% to Rs 5,243.31 crore, and net profit rose 30.7% to Rs 915.99 crore.<\/p>\n<p>Debt to equity is 3.94 and return on equity is 10.65%. L&amp;T Finance paid a dividend of Rs 2.75 per share for FY26, a yield of 1.07%. At a P\/E of 20.15 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 20.15 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"CARE_Ratings_Rating_Fees_Anchor_the_Roadmap\"><\/span><strong>CARE Ratings: Rating Fees Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>CARE Ratings&#8217; roadmap rests on a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders, with rating fees linked to debt raised by companies supporting earnings.<\/p>\n<p>Revenue grew from Rs 274.82 crore in FY22 to Rs 527.89 crore in FY26, a 92.1% rise, and FY26 revenue was 16.5% higher than FY25. FY26 net profit rose 24.1% to Rs 173.70 crore. Over four years, net profit rose from Rs 76.83 crore in FY22 to Rs 173.70 crore. In Q1 FY27, revenue grew 17.5% to Rs 126.48 crore, and net profit rose 24.5% to Rs 32.99 crore. Operating margin was 53.32% in FY26 and 44.26% in Q1 FY27 against 44.12% a year earlier.<\/p>\n<p>Debt to equity is 0.03 and return on equity is 18.36%. FY26 operating cash flow was Rs 147.57 crore against capital expenditure of Rs 8.30 crore. CARE Ratings paid a dividend of Rs 22 per share for FY26, a yield of 1.43%. At a P\/E of 25.70 against an industry P\/E of 33.32, the stock trades below its industry multiple.<\/p>\n<p>What to watch: Q1 FY27 operating margin was 44.26% against 53.32% for FY26, so margin stability is the figure to follow as volumes grow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_in_India_IDBI_Bank_vs_L_T_Finance_vs_CARE_Ratings_on_Key_Financials\"><\/span><strong>Best Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks in India: IDBI Bank vs L&amp;T Finance vs CARE Ratings on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best government-owned lender, finance holding company and ratings agency stocks in India, IDBI Bank leads on the lowest P\/E; L&amp;T Finance leads on Q1 FY27 revenue growth and Q1 FY27 net profit growth; CARE Ratings leads on FY26 revenue growth and FY26 net profit growth. 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;\">IDBI Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">L&amp;T Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CARE Ratings<\/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;\">35,631.19<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17,917.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">527.89<\/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;\">4.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.5%<\/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;\">9,236.61<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,982.87<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">173.70<\/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;\">20.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.1%<\/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;\">1.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">23.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.5%<\/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;\">5.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.5%<\/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;\">15.39%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.65%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.36%<\/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;\">9.57<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.70<\/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;\">0.00%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.07%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.43%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Financial earnings follow credit 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_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Government-Owned Lender, Finance Holding Company and Ratings Agency 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 government-owned lender, finance holding company and ratings agency stocks and shortlist government-owned lender, finance holding company and ratings agency 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 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 capital adequacy and asset quality 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 government-owned lender, finance holding company and ratings agency stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\"><\/span><strong>Risks to Consider Before Investing in Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\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 IDBI Bank, L&amp;T Finance and CARE Ratings live.<\/em><\/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 banking and finance stocks cover a bank, a finance holding company and credit ratings. IDBI Bank leads on the lowest P\/E; L&amp;T Finance leads on Q1 FY27 revenue growth and Q1 FY27 net profit growth; CARE Ratings leads on FY26 revenue growth and FY26 net profit growth.<\/p>\n<p>Across government-owned lender, finance holding company and ratings agency 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 government-owned lender, finance holding company and ratings agency 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_Government-Owned_Lender_Finance_Holding_Company_and_Ratings_Agency_Stocks\"><\/span><strong>FAQs on Government-Owned Lender, Finance Holding Company and Ratings Agency Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best government-owned lender, finance holding company and ratings agency stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank, L&amp;T Finance and CARE Ratings stand out for their roadmaps in a bank, a finance holding company and credit ratings. FY26 revenue growth was 4.6% at IDBI Bank, 12.4% at L&amp;T Finance and 16.5% at CARE Ratings, and return on equity ranges from 10.65% to 18.36%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_IDBI_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is IDBI Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank has a return on equity of 15.39% and a P\/E of 9.57 against an industry P\/E of 12.00. 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_IDBI_Bank_L_T_Finance_and_CARE_Ratings\"><\/span><strong>What is the P\/E ratio of IDBI Bank, L&amp;T Finance and CARE Ratings?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 9.57 for IDBI Bank (industry 12.00), 20.15 for L&amp;T Finance (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). Only L&amp;T Finance trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these government-owned lender, finance holding company and ratings agency stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> CARE Ratings has the highest return on equity at 18.36%, followed by IDBI Bank at 15.39% and L&amp;T Finance at 10.65%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_government-owned_lender_finance_holding_company_and_ratings_agency_stocks\"><\/span><strong>What are the risks of investing in government-owned lender, finance holding company and ratings agency stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_IDBI_Bank_L_T_Finance_and_CARE_Ratings_perform_in_Q1_FY27\"><\/span><strong>How did IDBI Bank, L&amp;T Finance and CARE Ratings perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore. L&amp;T Finance reported revenue of Rs 5,243.31 crore, up 23.1% year on year, and net profit rose 30.7% to Rs 915.99 crore. CARE Ratings reported revenue of Rs 126.48 crore, up 17.5% year on year, and net profit rose 24.5% to Rs 32.99 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_pay_dividends\"><\/span><strong>Do government-owned lender, finance holding company and ratings agency stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> L&amp;T Finance and CARE Ratings pay dividends. The dividend yield is 1.07% for L&amp;T Finance and 1.43% for CARE Ratings, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_government-owned_lender_finance_holding_company_and_ratings_agency_stocks_in_India\"><\/span><strong>How can I invest in government-owned lender, finance holding company and ratings agency stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy government-owned lender, finance holding company and ratings agency 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 government-owned lender, finance holding company and ratings agency stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank, L&T Finance and CARE Ratings stand out for their roadmaps in a bank, a finance holding company and credit ratings. FY26 revenue growth was 4.6% at IDBI Bank, 12.4% at L&T Finance and 16.5% at CARE Ratings, and return on equity ranges from 10.65% to 18.36%.\"}},{\"@type\":\"Question\",\"name\":\"Is IDBI Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank has a return on equity of 15.39% and a P\/E of 9.57 against an industry P\/E of 12.00. 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Only L&T Finance trades at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these government-owned lender, finance holding company and ratings agency stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"CARE Ratings has the highest return on equity at 18.36%, followed by IDBI Bank at 15.39% and L&T Finance at 10.65%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in government-owned lender, finance holding company and ratings agency stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did IDBI Bank, L&T Finance and CARE Ratings perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore. L&T Finance reported revenue of Rs 5,243.31 crore, up 23.1% year on year, and net profit rose 30.7% to Rs 915.99 crore. CARE Ratings reported revenue of Rs 126.48 crore, up 17.5% year on year, and net profit rose 24.5% to Rs 32.99 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do government-owned lender, finance holding company and ratings agency stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L&T Finance and CARE Ratings pay dividends. The dividend yield is 1.07% for L&T Finance and 1.43% for CARE Ratings, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in government-owned lender, finance holding company and ratings agency stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy government-owned lender, finance holding company and ratings agency 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>IDBI Bank, L&#038;T Finance and CARE Ratings compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":34,"featured_media":313941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[7155,12928,12929,12927,11257],"class_list":["post-313944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-care-ratings","tag-finance-holding-company-and-ratings-agency-stocks","tag-finance-holding-company-and-ratings-agency-stocks-to-buy","tag-government-owned-lender","tag-idbi-bank"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["313941"],"rank_math_title":["state lender, finance holding and ratings agency stocks"],"rank_math_description":["Government-owned lender, finance holding company and ratings agency stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["government-owned lender, finance holding company and ratings agency 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-government-owned-lender-finance-holding-company-and-ratings-agency-stocks-with.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313944","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\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=313944"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313944\/revisions"}],"predecessor-version":[{"id":313945,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313944\/revisions\/313945"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/313941"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=313944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=313944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=313944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}