{"id":316921,"date":"2026-10-19T14:39:38","date_gmt":"2026-10-19T09:09:38","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=316921"},"modified":"2026-10-19T14:39:38","modified_gmt":"2026-10-19T09:09:38","slug":"large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/","title":{"rendered":"3 Large Public Bank, Truck Financier and Rating Agency Stocks With a Strong Future Roadmap: Union Bank of India, Shriram Finance and CARE Ratings"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Union Bank Rs 171.68, P\/E 6.40. Shriram Finance Rs 939.95, P\/E 19.13. CARE Ratings Rs 1,603.90, 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;\">Large public bank, truck financier and rating agency stocks with the clearest long-term roadmaps today include Union Bank in lending to retail, MSME, agriculture and corporate borrowers through one of the larger public sector bank networks, Shriram Finance in commercial vehicle, used vehicle, small business and gold loans for customers that banks often serve less and CARE Ratings in a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders. P\/E stands at 6.40 for Union Bank (industry 12.00), 19.13 for Shriram 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>Large public bank, truck financier and rating agency stocks give investors exposure to bank credit, vehicle finance and credit ratings for borrowers and lenders. Credit growth, funding costs and rating volumes decide how much of that demand turns into profit.<\/p>\n<p>Readers comparing large public bank, truck financier and rating agency stocks should weigh growth, margins, cash flow and valuation together instead of leaning on any single number.<\/p>\n<p>This list covers three large public bank, truck financier and rating agency stocks: Union Bank of India for lending to retail, MSME, agriculture and corporate borrowers through one of the larger public sector bank networks, Shriram Finance for commercial vehicle, used vehicle, small business and gold loans for customers that banks often serve less 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=large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#What_Are_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\" title=\"What Are Large Public Bank, Truck Financier and Rating Agency Stocks?\">What Are Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_at_a_Glance\" title=\"Large Public Bank, Truck Financier and Rating Agency Stocks at a Glance\">Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Why_Do_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Large Public Bank, Truck Financier and Rating Agency Stocks Have a Strong Roadmap in India?\">Why Do Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Union_Bank_of_India_Broad-Based_Lending_Anchors_the_Roadmap\" title=\"Union Bank of India: Broad-Based Lending Anchors the Roadmap\">Union Bank of India: Broad-Based Lending Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Shriram_Finance_Commercial_Vehicle_Finance_Anchors_the_Roadmap\" title=\"Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap\">Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap<\/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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Best_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_in_India_Union_Bank_vs_Shriram_Finance_vs_CARE_Ratings_on_Key_Financials\" title=\"Best Large Public Bank, Truck Financier and Rating Agency Stocks in India: Union Bank vs Shriram Finance vs CARE Ratings on Key Financials\">Best Large Public Bank, Truck Financier and Rating Agency Stocks in India: Union Bank vs Shriram 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#How_to_Evaluate_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Large Public Bank, Truck Financier and Rating Agency Stocks to Buy Before You Invest\">How to Evaluate Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Risks_to_Consider_Before_Investing_in_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\" title=\"Risks to Consider Before Investing in Large Public Bank, Truck Financier and Rating Agency Stocks\">Risks to Consider Before Investing in Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#FAQs_on_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\" title=\"FAQs on Large Public Bank, Truck Financier and Rating Agency Stocks\">FAQs on Large Public Bank, Truck Financier and Rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Which_are_the_best_large_public_bank_truck_financier_and_rating_agency_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best large public bank, truck financier and rating agency stocks in India with a strong roadmap?\">Which are the best large public bank, truck financier and rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Is_Union_Bank_of_India_a_good_stock_to_buy_now\" title=\"Is Union Bank of India a good stock to buy now?\">Is Union Bank of India 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#What_is_the_PE_ratio_of_Union_Bank_Shriram_Finance_and_CARE_Ratings\" title=\"What is the P\/E ratio of Union Bank, Shriram Finance and CARE Ratings?\">What is the P\/E ratio of Union Bank, Shriram 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Which_of_these_large_public_bank_truck_financier_and_rating_agency_stocks_has_the_highest_return_on_equity\" title=\"Which of these large public bank, truck financier and rating agency stocks has the highest return on equity?\">Which of these large public bank, truck financier and rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#What_are_the_risks_of_investing_in_large_public_bank_truck_financier_and_rating_agency_stocks\" title=\"What are the risks of investing in large public bank, truck financier and rating agency stocks?\">What are the risks of investing in large public bank, truck financier and rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#How_did_Union_Bank_Shriram_Finance_and_CARE_Ratings_perform_in_Q1_FY27\" title=\"How did Union Bank, Shriram Finance and CARE Ratings perform in Q1 FY27?\">How did Union Bank, Shriram 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#Do_large_public_bank_truck_financier_and_rating_agency_stocks_pay_dividends\" title=\"Do large public bank, truck financier and rating agency stocks pay dividends?\">Do large public bank, truck financier and rating 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\/large-public-bank-truck-financier-and-rating-agency-stocks-roadmap-keystone-list\/#How_can_I_invest_in_large_public_bank_truck_financier_and_rating_agency_stocks_in_India\" title=\"How can I invest in large public bank, truck financier and rating agency stocks in India?\">How can I invest in large public bank, truck financier and rating agency stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\"><\/span><strong>What Are Large Public Bank, Truck Financier and Rating Agency Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Large public bank, truck financier and rating 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=\"Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_at_a_Glance\"><\/span><strong>Large Public Bank, Truck Financier and Rating 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 large public bank, truck financier and rating 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\/unionbank\/union-bank-of-india-share-price-today\">Union Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">171.68<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">132,023<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.40<\/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;\">15.57%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/shriramfin\/shriram-transport-finance-company-ltd-share-price-today\">Shriram Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">939.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">216,480<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.13<\/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;\">15.21%<\/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;\">1,603.90<\/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, Shriram Finance trades at a premium to the industry P\/E, while Union Bank and CARE Ratings trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Large Public Bank, Truck Financier and Rating Agency Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Large public bank, truck financier and rating agency stocks have a strong roadmap in India because retail and corporate credit, truck and used vehicle financing and debt market issuance keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Bank credit:<\/strong> Farms, small firms and companies borrow more.<\/li>\n<li><strong>Vehicle finance:<\/strong> Truck owners and small operators seek loans.<\/li>\n<li><strong>Debt issuance:<\/strong> Borrowers need ratings to raise money.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Union_Bank_of_India_Broad-Based_Lending_Anchors_the_Roadmap\"><\/span><strong>Union Bank of India: Broad-Based Lending Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Union Bank&#8217;s roadmap rests on lending to retail, MSME, agriculture and corporate borrowers through one of the larger public sector bank networks, with steady loan demand across segments supporting earnings.<\/p>\n<p>Revenue grew from Rs 81,754.07 crore in FY22 to Rs 128,399.52 crore in FY26, a 57.1% rise. FY26 net profit rose 4.8% to Rs 18,780.63 crore. Over four years, net profit rose from Rs 5,208.50 crore in FY22 to Rs 18,780.63 crore. In Q1 FY27, revenue grew 2.2% to Rs 32,660.24 crore, and net profit rose 29.8% to Rs 5,368.17 crore.<\/p>\n<p>Return on equity is 15.57%. Union Bank paid a dividend of Rs 5 per share for FY26, a yield of 2.89%. At a P\/E of 6.40 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 6.40 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=\"Shriram_Finance_Commercial_Vehicle_Finance_Anchors_the_Roadmap\"><\/span><strong>Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Shriram Finance&#8217;s roadmap rests on commercial vehicle, used vehicle, small business and gold loans for customers that banks often serve less, with demand for transport and small business credit supporting loan growth.<\/p>\n<p>Revenue grew from Rs 19,274.23 crore in FY22 to Rs 48,192.65 crore in FY26, a 150.0% rise, and FY26 revenue was 15.1% higher than FY25. FY26 net profit rose 6.2% to Rs 10,004.20 crore. Over four years, net profit rose from Rs 2,707.93 crore in FY22 to Rs 10,004.20 crore. In Q1 FY27, revenue grew 16.3% to Rs 13,418.74 crore, and net profit rose 60.0% to Rs 3,447.26 crore.<\/p>\n<p>Debt to equity is 3.80 and return on equity is 15.21%. Shriram Finance paid a dividend of Rs 10.8 per share for FY26, a yield of 0.94%. At a P\/E of 19.13 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 19.13 is a modest premium to the industry P\/E of 17.72, so the next quarters&#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_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_in_India_Union_Bank_vs_Shriram_Finance_vs_CARE_Ratings_on_Key_Financials\"><\/span><strong>Best Large Public Bank, Truck Financier and Rating Agency Stocks in India: Union Bank vs Shriram Finance vs CARE Ratings on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best large public bank, truck financier and rating agency stocks in India, Union Bank leads on the lowest P\/E and dividend yield; Shriram Finance leads on Q1 FY27 net profit growth; CARE Ratings leads on Q1 FY27 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;\">Union Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Shriram 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;\">128,399.52<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">48,192.65<\/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 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18,780.63<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,004.20<\/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;\">4.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.2%<\/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;\">2.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.3%<\/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;\">29.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">60.0%<\/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;\">15.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.21%<\/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;\">6.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.13<\/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;\">2.89%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.94%<\/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_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Large Public Bank, Truck Financier and Rating 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 large public bank, truck financier and rating agency stocks and shortlist large public bank, truck financier and rating 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 large public bank, truck financier and rating agency stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\"><\/span><strong>Risks to Consider Before Investing in Large Public Bank, Truck Financier and Rating 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 Union Bank, Shriram 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 public sector bank, a vehicle financier and a rating agency. Union Bank leads on the lowest P\/E and dividend yield; Shriram Finance leads on Q1 FY27 net profit growth; CARE Ratings leads on Q1 FY27 revenue growth and FY26 net profit growth.<\/p>\n<p>Across large public bank, truck financier and rating 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 large public bank, truck financier and rating 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_Large_Public_Bank_Truck_Financier_and_Rating_Agency_Stocks\"><\/span><strong>FAQs on Large Public Bank, Truck Financier and Rating Agency Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_large_public_bank_truck_financier_and_rating_agency_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best large public bank, truck financier and rating agency stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Union Bank of India, Shriram Finance and CARE Ratings stand out for their roadmaps in a public sector bank, a vehicle financier and a rating agency. Return on equity ranges from 15.21% to 18.36%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Union_Bank_of_India_a_good_stock_to_buy_now\"><\/span><strong>Is Union Bank of India a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Union Bank of India has a return on equity of 15.57% and a P\/E of 6.40 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_Union_Bank_Shriram_Finance_and_CARE_Ratings\"><\/span><strong>What is the P\/E ratio of Union Bank, Shriram Finance and CARE Ratings?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 6.40 for Union Bank (industry 12.00), 19.13 for Shriram Finance (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). Only Shriram Finance trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_large_public_bank_truck_financier_and_rating_agency_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these large public bank, truck financier and rating 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 Union Bank of India at 15.57% and Shriram Finance at 15.21%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_large_public_bank_truck_financier_and_rating_agency_stocks\"><\/span><strong>What are the risks of investing in large public bank, truck financier and rating 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_Union_Bank_Shriram_Finance_and_CARE_Ratings_perform_in_Q1_FY27\"><\/span><strong>How did Union Bank, Shriram Finance and CARE Ratings perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Union Bank of India reported revenue of Rs 32,660.24 crore, up 2.2% year on year, and net profit rose 29.8% to Rs 5,368.17 crore. Shriram Finance reported revenue of Rs 13,418.74 crore, up 16.3% year on year, and net profit rose 60.0% to Rs 3,447.26 crore. 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_large_public_bank_truck_financier_and_rating_agency_stocks_pay_dividends\"><\/span><strong>Do large public bank, truck financier and rating agency stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 2.89% for Union Bank, 0.94% for Shriram 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_large_public_bank_truck_financier_and_rating_agency_stocks_in_India\"><\/span><strong>How can I invest in large public bank, truck financier and rating agency stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy large public bank, truck financier and rating 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 large public bank, truck financier and rating agency stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Union Bank of India, Shriram Finance and CARE Ratings stand out for their roadmaps in a public sector bank, a vehicle financier and a rating agency. Return on equity ranges from 15.21% to 18.36%.\"}},{\"@type\":\"Question\",\"name\":\"Is Union Bank of India a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Union Bank of India has a return on equity of 15.57% and a P\/E of 6.40 against an industry P\/E of 12.00. Valuation, asset quality and funding costs move results. 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Shriram Finance reported revenue of Rs 13,418.74 crore, up 16.3% year on year, and net profit rose 60.0% to Rs 3,447.26 crore. 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 large public bank, truck financier and rating agency stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 2.89% for Union Bank, 0.94% for Shriram Finance and 1.43% for CARE Ratings, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in large public bank, truck financier and rating agency stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy large public bank, truck financier and rating 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>Union Bank of India, Shriram Finance and CARE Ratings compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":316920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[7155,13385,4870,13446,13447,7671],"class_list":["post-316921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-care-ratings","tag-large-public-bank","tag-shriram-finance","tag-truck-financier-and-rating-agency-stocks","tag-truck-financier-and-rating-agency-stocks-to-buy","tag-union-bank-of-india"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["316920"],"rank_math_title":["Large Public Bank, Truck Financier and Rating Agency Stocks"],"rank_math_description":["Large public bank, truck financier and rating agency stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["large public bank, truck financier and rating 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-large-public-bank-truck-financier-and-rating-agency-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=316921"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316921\/revisions"}],"predecessor-version":[{"id":316922,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316921\/revisions\/316922"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/316920"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=316921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=316921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=316921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}