{"id":335028,"date":"2026-11-02T15:01:20","date_gmt":"2026-11-02T09:31:20","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=335028"},"modified":"2026-11-02T15:01:20","modified_gmt":"2026-11-02T09:31:20","slug":"lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/","title":{"rendered":"3 Lending and Transaction Banking Software Company, Digital Engineering Firm and Cloud Hosting Provider Stocks With a Strong Future Roadmap: Nucleus Software Exports, Persistent Systems and ESDS Software Solution"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E84;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Nucleus Software Exports, Persistent Systems and ESDS Software Solution: ROE of 14.7% to 22.1% and FY22 to FY26 revenue CAGR of 15.3% to 26.4%. Prices as of 30 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:#1F4E84;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The three lending software, digital and cloud stocks to watch are Nucleus Software Exports, Persistent Systems and ESDS Software Solution. Their return on equity ranges from 14.7% to 22.1%, and their revenue compound annual growth from FY22 to FY26 ranges from 15.3% to 26.4%. ESDS Software Solution has the highest return on equity at 22.1%, while Persistent Systems has the fastest revenue growth at 26.4% a year. Prices are based on the 30 October 2026 close, and this article is educational, not investment advice.<\/p>\n<\/div>\n<p>Lending software, digital and cloud stocks offer a focused view of a sector where demand keeps widening. Nucleus Software Exports, Persistent Systems and ESDS Software Solution cover a lending and transaction banking software company, a digital engineering firm and a cloud hosting provider.<\/p>\n<p>This list covers three lending software, digital and cloud stocks with complete current figures: Nucleus Software Exports, Persistent Systems and ESDS Software Solution. Every figure comes from the latest reported financials and the 30 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\">Click Here &#8211; Get Free Investment Predictions<\/a><\/strong><\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#What_Are_Lending_Software_Digital_and_Cloud_Stocks\" title=\"What Are Lending Software, Digital and Cloud Stocks?\">What Are Lending Software, Digital and Cloud 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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Lending_Software_Digital_and_Cloud_Stocks_at_a_Glance\" title=\"Lending Software, Digital and Cloud Stocks at a Glance\">Lending Software, Digital and Cloud 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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Why_Do_Lending_Software_Digital_and_Cloud_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Lending Software, Digital and Cloud Stocks Have a Strong Roadmap in India?\">Why Do Lending Software, Digital and Cloud 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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Why_Nucleus_Software_Exports_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\" title=\"Why Nucleus Software Exports Features Among These Lending Software, Digital and Cloud Stocks\">Why Nucleus Software Exports Features Among These Lending Software, Digital and Cloud Stocks<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Why_Persistent_Systems_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\" title=\"Why Persistent Systems Features Among These Lending Software, Digital and Cloud Stocks\">Why Persistent Systems Features Among These Lending Software, Digital and Cloud Stocks<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Why_ESDS_Software_Solution_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\" title=\"Why ESDS Software Solution Features Among These Lending Software, Digital and Cloud Stocks\">Why ESDS Software Solution Features Among These Lending Software, Digital and Cloud Stocks<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Nucleus_Software_Exports_vs_Persistent_Systems_vs_ESDS_Software_Solution_on_Key_Financials\" title=\"Nucleus Software Exports vs Persistent Systems vs ESDS Software Solution on Key Financials\">Nucleus Software Exports vs Persistent Systems vs ESDS Software Solution 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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Key_Risks_to_Check_Before_Investing_in_Lending_Software_Digital_and_Cloud_Stocks\" title=\"Key Risks to Check Before Investing in Lending Software, Digital and Cloud Stocks\">Key Risks to Check Before Investing in Lending Software, Digital and Cloud Stocks<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Final_Thoughts_on_Lending_Software_Digital_and_Cloud_Stocks\" title=\"Final Thoughts on Lending Software, Digital and Cloud Stocks\">Final Thoughts on Lending Software, Digital and Cloud Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#What_are_lending_software_digital_and_cloud_stocks\" title=\"What are lending software, digital and cloud stocks?\">What are lending software, digital and cloud stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Which_lending_software_digital_and_cloud_stocks_are_covered_in_this_list\" title=\"Which lending software, digital and cloud stocks are covered in this list?\">Which lending software, digital and cloud stocks are covered in this list?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Why_do_lending_software_digital_and_cloud_stocks_have_a_strong_future_roadmap_in_India\" title=\"Why do lending software, digital and cloud stocks have a strong future roadmap in India?\">Why do lending software, digital and cloud stocks have a strong future roadmap in India?<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#How_has_Nucleus_Software_Exports_performed_financially\" title=\"How has Nucleus Software Exports performed financially?\">How has Nucleus Software Exports performed financially?<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#How_has_Persistent_Systems_performed_financially\" title=\"How has Persistent Systems performed financially?\">How has Persistent Systems performed financially?<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#How_has_ESDS_Software_Solution_performed_financially\" title=\"How has ESDS Software Solution performed financially?\">How has ESDS Software Solution performed financially?<\/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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#What_risks_should_investors_check_before_buying_lending_software_digital_and_cloud_stocks\" title=\"What risks should investors check before buying lending software, digital and cloud stocks?\">What risks should investors check before buying lending software, digital and cloud 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\/lending-and-transaction-banking-software-company-digital-engineering-firm-and-cloud-hosting-provider-stocks-roadmap-summitline-list\/#Is_this_list_of_lending_software_digital_and_cloud_stocks_investment_advice\" title=\"Is this list of lending software, digital and cloud stocks investment advice?\">Is this list of lending software, digital and cloud stocks investment advice?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>What Are Lending Software, Digital and Cloud Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lending software, digital and cloud stocks are listed companies that build lending and transaction banking software, deliver product and digital engineering to global clients, and run cloud, data centre and cybersecurity services. Their earnings depend on licences, contracts and client budgets.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lending_Software_Digital_and_Cloud_Stocks_at_a_Glance\"><\/span><strong>Lending Software, Digital and Cloud Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<thead>\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE (%)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">D\/E<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/nucleus\/nucleus-software-exports-ltd-share-price-today\">Nucleus Software Exports<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">652.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,731<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.4<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.5<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.7<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.01<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/persistent\/persistent-systems-ltd-share-price-today\">Persistent Systems<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6,048<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">90,857<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">50.4<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.9<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21.0<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.07<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/esds\/esds-software-solution-ltd-share-price-today\">ESDS Software Solution<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,160<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15,027<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">124.3<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.1<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.18<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>On valuation, Nucleus Software Exports trades at a P\/E below the industry P\/E, while Persistent Systems and ESDS Software Solution trade above it, which reflects the growth the market already expects. Readers comparing lending software, digital and cloud stocks should look at return on equity and debt together, since a high return earned with low debt is easier to sustain.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Lending_Software_Digital_and_Cloud_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Lending Software, Digital and Cloud Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lending software, digital and cloud stocks have a strong roadmap in India because banks upgrading their systems, wider cloud adoption and demand for local data hosting keep widening the market for these software and cloud companies.<\/p>\n<ul>\n<li><strong>Bank systems.<\/strong> Lenders replace older platforms.<\/li>\n<li><strong>Digital engineering.<\/strong> Clients rebuild products and platforms.<\/li>\n<li><strong>Data hosting.<\/strong> Local data rules favour domestic centres.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why_Nucleus_Software_Exports_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>Why Nucleus Software Exports Features Among These Lending Software, Digital and Cloud Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the lending software, digital and cloud stocks on this list, Nucleus Software Exports is a Noida-based software products company that builds lending and transaction banking software, with its FinnAxia and FinnOne platforms used by banks and financial institutions in India and overseas.<\/p>\n<p>Revenue rose from Rs 532 crore in FY22 to Rs 940 crore in FY26, a compound annual growth rate of 15.3%. Net profit grew from Rs 40.9 crore in FY22 to Rs 117 crore in FY26, which works out to a compound annual growth rate of 30.0%.<\/p>\n<p>The company has a return on equity of 14.7%, a debt to equity ratio of 0.01 and a market capitalisation of Rs 1,731 crore. The stock trades at a P\/E of 16.4, below the industry P\/E of 17.5.<\/p>\n<p><strong>Roadmap:<\/strong> The company is moving customers to cloud-based and subscription offerings, which build recurring revenue over time. Banks upgrading lending and transaction systems create steady demand for its platforms.<\/p>\n<p><strong>What to watch:<\/strong> Monitor licence and subscription revenue and the pace of new customer wins.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Persistent_Systems_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>Why Persistent Systems Features Among These Lending Software, Digital and Cloud Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the software and digital shares on this list, Persistent Systems is a Pune-based technology services and digital engineering company that builds software products and platforms for clients in banking, healthcare, software and hi-tech industries worldwide.<\/p>\n<p>The company has a return on equity of 21.0%, a debt to equity ratio of 0.07 and a market capitalisation of Rs 90,857 crore. The stock trades at a P\/E of 50.4, above the industry P\/E of 17.9.<\/p>\n<p>Revenue rose from Rs 5,855 crore in FY22 to Rs 14,929 crore in FY26, a compound annual growth rate of 26.4%. Net profit grew from Rs 690 crore in FY22 to Rs 1,865 crore in FY26, which works out to a compound annual growth rate of 28.2%.<\/p>\n<p><strong>Roadmap:<\/strong> The company is deepening its work in cloud, data and artificial intelligence, where enterprises are raising spending. A strong base of long-term clients helps it win larger engineering programmes.<\/p>\n<p><strong>What to watch:<\/strong> Track large deal wins, client additions and the share of artificial intelligence work in revenue.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_ESDS_Software_Solution_Features_Among_These_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>Why ESDS Software Solution Features Among These Lending Software, Digital and Cloud Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the three companies on this list, ESDS Software Solution is a Nashik-based provider of cloud computing, data centre, managed hosting and cybersecurity services for enterprises and government clients.<\/p>\n<p>Revenue rose from Rs 199 crore in FY22 to Rs 481 crore in FY26, a compound annual growth rate of 24.7%. Net profit grew from Rs 55.6 crore in FY25 to Rs 121 crore in FY26, a rise of 117.3%.<\/p>\n<p>In the June 2026 quarter, revenue grew 7.5% year on year to Rs 135 crore, while net profit rose 14.0% to Rs 29.3 crore. The company has a return on equity of 22.1%, a debt to equity ratio of 0.18 and a market capitalisation of Rs 15,027 crore. The stock trades at a P\/E of 124.3, above the industry P\/E of 17.6.<\/p>\n<p><strong>Roadmap:<\/strong> The company is growing its cloud and managed services business as organisations move systems to secure domestic cloud platforms. Government and enterprise clients provide recurring contracts.<\/p>\n<p><strong>What to watch:<\/strong> Track cloud revenue growth, data centre capacity and new client wins.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Nucleus_Software_Exports_vs_Persistent_Systems_vs_ESDS_Software_Solution_on_Key_Financials\"><\/span><strong>Nucleus Software Exports vs Persistent Systems vs ESDS Software Solution on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table below sets the three lending software, digital and cloud stocks side by side on revenue, profit and margin, using reported figures.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<thead>\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;\">FY22 Revenue (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Revenue (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Revenue CAGR (FY22-FY26)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Net Profit (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Net Margin<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Nucleus Software Exports<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">532<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">940<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">117<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.4%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Persistent Systems<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,855<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14,929<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">26.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,865<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.5%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">ESDS Software Solution<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">199<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">481<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">121<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.1%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>ESDS Software Solution posts the highest return on equity in this group at 22.1%. Persistent Systems combines the largest FY26 revenue at Rs 14,929 crore with the fastest revenue growth, a 26.4% compound annual rate. A useful habit with lending software, digital and cloud stocks is to check each new quarterly result against the capacity plans the company described earlier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_Check_Before_Investing_in_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>Key Risks to Check Before Investing in Lending Software, Digital and Cloud Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every theme carries risks that deserve a check before any decision. For these lending software, digital and cloud stocks, the main points are:<\/p>\n<ul>\n<li><strong>Client spending.<\/strong> Technology budgets can vary with global conditions.<\/li>\n<li><strong>Currency moves.<\/strong> Export earnings move with the rupee.<\/li>\n<li><strong>Valuation levels.<\/strong> Some of these companies trade at high earnings multiples, so growth must continue to justify them.<\/li>\n<\/ul>\n<p>Treat this list as a starting point for research and not as a recommendation. Read the latest results presentation, check the management commentary on order books or capacity plans, and compare each company with its peers before you decide anything.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href=\"https:\/\/univest.in\/screeners\">Use the Univest Stock Screener<\/a><\/strong> to filter lending software, digital and cloud stocks by market capitalisation, P\/E, ROE and growth, and build your own shortlist.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts_on_Lending_Software_Digital_and_Cloud_Stocks\"><\/span><strong>Final Thoughts on Lending Software, Digital and Cloud Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lending software, digital and cloud stocks reward patient research into demand, execution and financial strength. Nucleus Software Exports, Persistent Systems and ESDS Software Solution each have a clear plan to grow. Based on the 30 October 2026 close, Nucleus Software Exports trades at Rs 652.6, Persistent Systems at Rs 6,048 and ESDS Software Solution at Rs 1,160.<\/p>\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 lending software, digital and cloud stocks, set price alerts and get research-backed stock ideas.<\/em><\/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<\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_are_lending_software_digital_and_cloud_stocks\"><\/span><strong>What are lending software, digital and cloud stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Lending software, digital and cloud stocks are listed companies that build lending and transaction banking software, deliver product and digital engineering to global clients, and run cloud, data centre and cybersecurity services. Their earnings depend on licences, contracts and client budgets. This list looks at three of them, Nucleus Software Exports, Persistent Systems and ESDS Software Solution, using reported FY22 to FY26 financials and the 30 October 2026 closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_lending_software_digital_and_cloud_stocks_are_covered_in_this_list\"><\/span><strong>Which lending software, digital and cloud stocks are covered in this list?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This list covers Nucleus Software Exports, Persistent Systems and ESDS Software Solution. Based on the 30 October 2026 close, Nucleus Software Exports traded at Rs 652.6, Persistent Systems at Rs 6,048 and ESDS Software Solution at Rs 1,160. Their return on equity ranges from 14.7% to 22.1%, and their revenue compound annual growth from FY22 to FY26 ranges from 15.3% to 26.4%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_lending_software_digital_and_cloud_stocks_have_a_strong_future_roadmap_in_India\"><\/span><strong>Why do lending software, digital and cloud stocks have a strong future roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Lending software, digital and cloud stocks have a strong roadmap in India because banks upgrading their systems, wider cloud adoption and demand for local data hosting keep widening the market for these software and cloud companies. The main drivers are as follows. Bank systems. Lenders replace older platforms. Digital engineering. Clients rebuild products and platforms. Data hosting. Local data rules favour domestic centres. Together these factors give the companies on this list a visible path for growth over the coming years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Nucleus_Software_Exports_performed_financially\"><\/span><strong>How has Nucleus Software Exports performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 532 crore in FY22 to Rs 940 crore in FY26, a compound annual growth rate of 15.3%. Net profit grew from Rs 40.9 crore in FY22 to Rs 117 crore in FY26, which works out to a compound annual growth rate of 30.0%. The company has a return on equity of 14.7%, a debt to equity ratio of 0.01 and a market capitalisation of Rs 1,731 crore. The stock trades at a P\/E of 16.4, below the industry P\/E of 17.5. Looking ahead, the company is moving customers to cloud-based and subscription offerings, which build recurring revenue over time. Banks upgrading lending and transaction systems create steady demand for its platforms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Persistent_Systems_performed_financially\"><\/span><strong>How has Persistent Systems performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 5,855 crore in FY22 to Rs 14,929 crore in FY26, a compound annual growth rate of 26.4%. Net profit grew from Rs 690 crore in FY22 to Rs 1,865 crore in FY26, which works out to a compound annual growth rate of 28.2%. The company has a return on equity of 21.0%, a debt to equity ratio of 0.07 and a market capitalisation of Rs 90,857 crore. The stock trades at a P\/E of 50.4, above the industry P\/E of 17.9. Looking ahead, the company is deepening its work in cloud, data and artificial intelligence, where enterprises are raising spending. A strong base of long-term clients helps it win larger engineering programmes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_ESDS_Software_Solution_performed_financially\"><\/span><strong>How has ESDS Software Solution performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 199 crore in FY22 to Rs 481 crore in FY26, a compound annual growth rate of 24.7%. Net profit grew from Rs 55.6 crore in FY25 to Rs 121 crore in FY26, a rise of 117.3%. In the June 2026 quarter, revenue grew 7.5% year on year to Rs 135 crore, while net profit rose 14.0% to Rs 29.3 crore. The company has a return on equity of 22.1%, a debt to equity ratio of 0.18 and a market capitalisation of Rs 15,027 crore. The stock trades at a P\/E of 124.3, above the industry P\/E of 17.6. Looking ahead, the company is growing its cloud and managed services business as organisations move systems to secure domestic cloud platforms. Government and enterprise clients provide recurring contracts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_should_investors_check_before_buying_lending_software_digital_and_cloud_stocks\"><\/span><strong>What risks should investors check before buying lending software, digital and cloud stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investors should check a few risks before buying lending software, digital and cloud stocks. Client spending. Technology budgets can vary with global conditions. Currency moves. Export earnings move with the rupee. Valuation levels. Some of these companies trade at high earnings multiples, so growth must continue to justify them. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_this_list_of_lending_software_digital_and_cloud_stocks_investment_advice\"><\/span><strong>Is this list of lending software, digital and cloud stocks investment advice?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. This article is educational and uses publicly available data as of the 30 October 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are lending software, digital and cloud stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Lending software, digital and cloud stocks are listed companies that build lending and transaction banking software, deliver product and digital engineering to global clients, and run cloud, data centre and cybersecurity services. Their earnings depend on licences, contracts and client budgets. 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Government and enterprise clients provide recurring contracts.\"}},{\"@type\":\"Question\",\"name\":\"What risks should investors check before buying lending software, digital and cloud stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Investors should check a few risks before buying lending software, digital and cloud stocks. Client spending. Technology budgets can vary with global conditions. Currency moves. Export earnings move with the rupee. Valuation levels. Some of these companies trade at high earnings multiples, so growth must continue to justify them. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.\"}},{\"@type\":\"Question\",\"name\":\"Is this list of lending software, digital and cloud stocks investment advice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. This article is educational and uses publicly available data as of the 30 October 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lending Software, Digital and Cloud Stocks with a strong future roadmap: Nucleus Software Exports, Persistent Systems and ESDS Software Solution. 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