{"id":340326,"date":"2026-11-05T12:56:51","date_gmt":"2026-11-05T07:26:51","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=340326"},"modified":"2026-11-05T12:56:51","modified_gmt":"2026-11-05T07:26:51","slug":"banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/","title":{"rendered":"3 Banking Software Maker, City Gas Distributor and Ceramic and Vitrified Tiles Maker Stocks With a Strong Future Roadmap: Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E84;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics: ROE of 12.4% to 33.7% and FY22 to FY26 revenue CAGR of 6.9% to 17.8%. Prices as of 4 Nov 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 banking software, city gas and tile stocks to watch are Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics. Their return on equity ranges from 12.4% to 33.7%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.9% to 17.8%. Oracle Financial Services Software has the highest return on equity at 33.7%, while Adani Total Gas has the fastest revenue growth at 17.8% a year. Prices are based on the 4 November 2026 close, and this article is educational, not investment advice.<\/p>\n<\/div>\n<p>Banking software, city gas and tile stocks let investors follow companies that serve a growing part of the Indian economy. Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics cover a banking software maker, a city gas distributor and a tiles maker.<\/p>\n<p>This list covers three banking software, city gas and tile stocks with complete current figures: Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics. Every figure comes from the latest reported financials and the 4 November 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=banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#What_Are_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"What Are Banking Software, City Gas and Tile Stocks?\">What Are Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Banking_Software_City_Gas_and_Tile_Stocks_at_a_Glance\" title=\"Banking Software, City Gas and Tile Stocks at a Glance\">Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Why_Do_Banking_Software_City_Gas_and_Tile_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Banking Software, City Gas and Tile Stocks Have a Strong Roadmap in India?\">Why Do Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Why_Oracle_Financial_Services_Software_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"Why Oracle Financial Services Software Features Among These Banking Software, City Gas and Tile Stocks\">Why Oracle Financial Services Software Features Among These Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Why_Adani_Total_Gas_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"Why Adani Total Gas Features Among These Banking Software, City Gas and Tile Stocks\">Why Adani Total Gas Features Among These Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Why_Kajaria_Ceramics_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"Why Kajaria Ceramics Features Among These Banking Software, City Gas and Tile Stocks\">Why Kajaria Ceramics Features Among These Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Oracle_Financial_Services_Software_vs_Adani_Total_Gas_vs_Kajaria_Ceramics_on_Key_Financials\" title=\"Oracle Financial Services Software vs Adani Total Gas vs Kajaria Ceramics on Key Financials\">Oracle Financial Services Software vs Adani Total Gas vs Kajaria Ceramics 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Key_Risks_to_Check_Before_Investing_in_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"Key Risks to Check Before Investing in Banking Software, City Gas and Tile Stocks\">Key Risks to Check Before Investing in Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Final_Thoughts_on_Banking_Software_City_Gas_and_Tile_Stocks\" title=\"Final Thoughts on Banking Software, City Gas and Tile Stocks\">Final Thoughts on Banking Software, City Gas and Tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#What_are_banking_software_city_gas_and_tile_stocks\" title=\"What are banking software, city gas and tile stocks?\">What are banking software, city gas and tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Which_banking_software_city_gas_and_tile_stocks_are_covered_in_this_list\" title=\"Which banking software, city gas and tile stocks are covered in this list?\">Which banking software, city gas and tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Why_do_banking_software_city_gas_and_tile_stocks_have_a_strong_future_roadmap_in_India\" title=\"Why do banking software, city gas and tile stocks have a strong future roadmap in India?\">Why do banking software, city gas and tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#How_has_Oracle_Financial_Services_Software_performed_financially\" title=\"How has Oracle Financial Services Software performed financially?\">How has Oracle Financial Services Software 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#How_has_Adani_Total_Gas_performed_financially\" title=\"How has Adani Total Gas performed financially?\">How has Adani Total Gas 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#How_has_Kajaria_Ceramics_performed_financially\" title=\"How has Kajaria Ceramics performed financially?\">How has Kajaria Ceramics 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#What_risks_should_investors_check_before_buying_banking_software_city_gas_and_tile_stocks\" title=\"What risks should investors check before buying banking software, city gas and tile stocks?\">What risks should investors check before buying banking software, city gas and tile 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\/banking-software-maker-city-gas-distributor-and-ceramic-and-vitrified-tiles-maker-stocks-roadmap-skylark-list\/#Is_this_list_of_banking_software_city_gas_and_tile_stocks_investment_advice\" title=\"Is this list of banking software, city gas and tile stocks investment advice?\">Is this list of banking software, city gas and tile stocks investment advice?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>What Are Banking Software, City Gas and Tile Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banking software, city gas and tile stocks are listed companies that build software products for banks, supply piped natural gas to homes, industries and vehicles, and make ceramic and vitrified tiles for homes and offices. Their earnings depend on bank technology budgets, gas connections and housing activity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Banking_Software_City_Gas_and_Tile_Stocks_at_a_Glance\"><\/span><strong>Banking Software, City Gas and Tile 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\/ofss\/oracle-financial-services-software-ltd-share-price-today\">Oracle Financial Services Software<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,194<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">86,056<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.2<\/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;\">33.7<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/atgl\/adani-total-gas-ltd-share-price-today\">Adani Total Gas<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">570.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">58,229<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">90.7<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.8<\/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;\">0.47<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/kajariacer\/kajaria-ceramics-ltd-share-price-today\">Kajaria Ceramics<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,159.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18,977<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">34.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31.1<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.8<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.07<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>On valuation, all three trade at a P\/E above their industry P\/E, which reflects the growth the market already expects from them. Readers comparing banking software, city gas and tile 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_Banking_Software_City_Gas_and_Tile_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Banking Software, City Gas and Tile Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banking software, city gas and tile stocks have a strong roadmap in India because rising bank technology spending, a growing gas distribution network and steady housing activity keep widening the market for these companies.<\/p>\n<ul>\n<li><strong>Banking software.<\/strong> Banks keep upgrading core systems.<\/li>\n<li><strong>City gas.<\/strong> More homes and vehicles switch to gas.<\/li>\n<li><strong>Tiles.<\/strong> New homes need floors and walls.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why_Oracle_Financial_Services_Software_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>Why Oracle Financial Services Software Features Among These Banking Software, City Gas and Tile Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the banking software, city gas and tile stocks on this list, Oracle Financial Services Software develops banking software products such as core banking, lending and risk platforms and also provides related services and support to banks and financial institutions around the world.<\/p>\n<p>Revenue rose from Rs 5,356 crore in FY22 to Rs 7,943 crore in FY26, a compound annual growth rate of 10.4%. Net profit grew from Rs 1,889 crore in FY22 to Rs 2,639 crore in FY26, which works out to a compound annual growth rate of 8.7%.<\/p>\n<p>The company has a return on equity of 33.7%, a debt to equity ratio of 0.00 and a market capitalisation of Rs 86,056 crore. The stock trades at a P\/E of 25.2, above the industry P\/E of 17.9.<\/p>\n<p><strong>Roadmap:<\/strong> The company is helping banks move to modern platforms and cloud deployments, which creates demand for its products. Recurring licence and maintenance income supports earnings visibility.<\/p>\n<p><strong>What to watch:<\/strong> Follow product licence wins, cloud adoption by banking clients and the pace of new deals.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Adani_Total_Gas_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>Why Adani Total Gas Features Among These Banking Software, City Gas and Tile Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the fintech, utility and building shares on this list, Adani Total Gas is a city gas distribution company that supplies piped natural gas to homes, industries and commercial users and compressed natural gas to vehicles across many cities, and it also sets up electric vehicle charging points.<\/p>\n<p>Revenue rose from Rs 3,079 crore in FY22 to Rs 5,932 crore in FY26, a compound annual growth rate of 17.8%. Net profit grew from Rs 505 crore in FY22 to Rs 656 crore in FY26, which works out to a compound annual growth rate of 6.8%.<\/p>\n<p>The company has a return on equity of 12.4%, a debt to equity ratio of 0.47 and a market capitalisation of Rs 58,229 crore. The stock trades at a P\/E of 90.7, above the industry P\/E of 13.8.<\/p>\n<p><strong>Roadmap:<\/strong> The company is extending its pipeline network and CNG station base into the cities it has been awarded, which widens its customer base. Rising use of cleaner fuel in households and vehicles supports volume growth.<\/p>\n<p><strong>What to watch:<\/strong> Track new city additions, CNG volumes and progress in electric vehicle charging.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Kajaria_Ceramics_Features_Among_These_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>Why Kajaria Ceramics Features Among These Banking Software, City Gas and Tile Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the three companies on this list, Kajaria Ceramics is India&#8217;s largest ceramic and vitrified tile maker, with plants across several states and a large dealer network.<\/p>\n<p>The company has a return on equity of 15.8%, a debt to equity ratio of 0.07 and a market capitalisation of Rs 18,977 crore. The stock trades at a P\/E of 34.6, above the industry P\/E of 31.1.<\/p>\n<p>Revenue rose from Rs 3,733 crore in FY22 to Rs 4,883 crore in FY26, a compound annual growth rate of 6.9%. Net profit grew from Rs 383 crore in FY22 to Rs 490 crore in FY26, which works out to a compound annual growth rate of 6.4%. In the June 2026 quarter, revenue grew 20.5% year on year to Rs 1,345 crore, while net profit rose 55.0% to Rs 171 crore.<\/p>\n<p><strong>Roadmap:<\/strong> The company has added capacity in tiles and widened into adhesives, sanitaryware and faucets, which allows it to sell more products to each customer. Demand from housing, redevelopment and commercial building supports tile volumes.<\/p>\n<p><strong>What to watch:<\/strong> Check the capacity utilisation in newer plants and growth in the bath products business.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Oracle_Financial_Services_Software_vs_Adani_Total_Gas_vs_Kajaria_Ceramics_on_Key_Financials\"><\/span><strong>Oracle Financial Services Software vs Adani Total Gas vs Kajaria Ceramics on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table below sets the three banking software, city gas and tile 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;\">Oracle Financial Services Software<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,356<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7,943<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,639<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Adani Total Gas<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,079<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,932<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">656<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Kajaria Ceramics<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,733<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,883<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">490<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Oracle Financial Services Software posts the highest return on equity in this group at 33.7%. Oracle Financial Services Software has the largest FY26 revenue at Rs 7,943 crore, and Adani Total Gas shows the fastest revenue growth with a 17.8% compound annual rate. A useful habit with banking software, city gas and tile 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_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>Key Risks to Check Before Investing in Banking Software, City Gas and Tile 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 banking software, city gas and tile stocks, the main points are: Long-term fintech, utility and building shares holders usually track revenue growth, margins and cash flow side by side rather than relying on a single ratio.<\/p>\n<ul>\n<li><strong>Client spending.<\/strong> Technology budgets can vary with global conditions.<\/li>\n<li><strong>Gas prices and rules.<\/strong> Gas costs and regulated tariffs can influence earnings.<\/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 banking software, city gas and tile 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_Banking_Software_City_Gas_and_Tile_Stocks\"><\/span><strong>Final Thoughts on Banking Software, City Gas and Tile Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banking software, city gas and tile stocks reward investors who follow demand trends, order books and margins together. Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics each have a clear plan to grow. Based on the 4 November 2026 close, Oracle Financial Services Software trades at Rs 10,194, Adani Total Gas at Rs 570.6 and Kajaria Ceramics at Rs 1,159.6. Valuation matters as much as growth, so compare each company&#8217;s P\/E with its industry P\/E before adding any of these banking software, city gas and tile stocks to a watchlist.<\/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 banking software, city gas and tile 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_banking_software_city_gas_and_tile_stocks\"><\/span><strong>What are banking software, city gas and tile stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Banking software, city gas and tile stocks are listed companies that build software products for banks, supply piped natural gas to homes, industries and vehicles, and make ceramic and vitrified tiles for homes and offices. Their earnings depend on bank technology budgets, gas connections and housing activity. This list looks at three of them, Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics, using reported FY22 to FY26 financials and the 4 November 2026 closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_banking_software_city_gas_and_tile_stocks_are_covered_in_this_list\"><\/span><strong>Which banking software, city gas and tile stocks are covered in this list?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This list covers Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics. Based on the 4 November 2026 close, Oracle Financial Services Software traded at Rs 10,194, Adani Total Gas at Rs 570.6 and Kajaria Ceramics at Rs 1,159.6. Their return on equity ranges from 12.4% to 33.7%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.9% to 17.8%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_banking_software_city_gas_and_tile_stocks_have_a_strong_future_roadmap_in_India\"><\/span><strong>Why do banking software, city gas and tile stocks have a strong future roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Banking software, city gas and tile stocks have a strong roadmap in India because rising bank technology spending, a growing gas distribution network and steady housing activity keep widening the market for these companies. The main drivers are as follows. Banking software. Banks keep upgrading core systems. City gas. More homes and vehicles switch to gas. Tiles. New homes need floors and walls. 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_Oracle_Financial_Services_Software_performed_financially\"><\/span><strong>How has Oracle Financial Services Software performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 5,356 crore in FY22 to Rs 7,943 crore in FY26, a compound annual growth rate of 10.4%. Net profit grew from Rs 1,889 crore in FY22 to Rs 2,639 crore in FY26, which works out to a compound annual growth rate of 8.7%. The company has a return on equity of 33.7%, a debt to equity ratio of 0.00 and a market capitalisation of Rs 86,056 crore. The stock trades at a P\/E of 25.2, above the industry P\/E of 17.9. Looking ahead, the company is helping banks move to modern platforms and cloud deployments, which creates demand for its products. Recurring licence and maintenance income supports earnings visibility.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Adani_Total_Gas_performed_financially\"><\/span><strong>How has Adani Total Gas performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 3,079 crore in FY22 to Rs 5,932 crore in FY26, a compound annual growth rate of 17.8%. Net profit grew from Rs 505 crore in FY22 to Rs 656 crore in FY26, which works out to a compound annual growth rate of 6.8%. The company has a return on equity of 12.4%, a debt to equity ratio of 0.47 and a market capitalisation of Rs 58,229 crore. The stock trades at a P\/E of 90.7, above the industry P\/E of 13.8. Looking ahead, the company is extending its pipeline network and CNG station base into the cities it has been awarded, which widens its customer base. Rising use of cleaner fuel in households and vehicles supports volume growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Kajaria_Ceramics_performed_financially\"><\/span><strong>How has Kajaria Ceramics performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 3,733 crore in FY22 to Rs 4,883 crore in FY26, a compound annual growth rate of 6.9%. Net profit grew from Rs 383 crore in FY22 to Rs 490 crore in FY26, which works out to a compound annual growth rate of 6.4%. In the June 2026 quarter, revenue grew 20.5% year on year to Rs 1,345 crore, while net profit rose 55.0% to Rs 171 crore. The company has a return on equity of 15.8%, a debt to equity ratio of 0.07 and a market capitalisation of Rs 18,977 crore. The stock trades at a P\/E of 34.6, above the industry P\/E of 31.1. Looking ahead, the company has added capacity in tiles and widened into adhesives, sanitaryware and faucets, which allows it to sell more products to each customer. Demand from housing, redevelopment and commercial building supports tile volumes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_should_investors_check_before_buying_banking_software_city_gas_and_tile_stocks\"><\/span><strong>What risks should investors check before buying banking software, city gas and tile stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investors should check a few risks before buying banking software, city gas and tile stocks. Client spending. Technology budgets can vary with global conditions. Gas prices and rules. Gas costs and regulated tariffs can influence earnings. 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_banking_software_city_gas_and_tile_stocks_investment_advice\"><\/span><strong>Is this list of banking software, city gas and tile 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 4 November 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 banking software, city gas and tile stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banking software, city gas and tile stocks are listed companies that build software products for banks, supply piped natural gas to homes, industries and vehicles, and make ceramic and vitrified tiles for homes and offices. Their earnings depend on bank technology budgets, gas connections and housing activity. This list looks at three of them, Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics, using reported FY22 to FY26 financials and the 4 November 2026 closing prices.\"}},{\"@type\":\"Question\",\"name\":\"Which banking software, city gas and tile stocks are covered in this list?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This list covers Oracle Financial Services Software, Adani Total Gas and Kajaria Ceramics. Based on the 4 November 2026 close, Oracle Financial Services Software traded at Rs 10,194, Adani Total Gas at Rs 570.6 and Kajaria Ceramics at Rs 1,159.6. Their return on equity ranges from 12.4% to 33.7%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.9% to 17.8%.\"}},{\"@type\":\"Question\",\"name\":\"Why do banking software, city gas and tile stocks have a strong future roadmap in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Banking software, city gas and tile stocks have a strong roadmap in India because rising bank technology spending, a growing gas distribution network and steady housing activity keep widening the market for these companies. The main drivers are as follows. Banking software. Banks keep upgrading core systems. City gas. More homes and vehicles switch to gas. Tiles. New homes need floors and walls. Together these factors give the companies on this list a visible path for growth over the coming years.\"}},{\"@type\":\"Question\",\"name\":\"How has Oracle Financial Services Software performed financially?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Revenue rose from Rs 5,356 crore in FY22 to Rs 7,943 crore in FY26, a compound annual growth rate of 10.4%. Net profit grew from Rs 1,889 crore in FY22 to Rs 2,639 crore in FY26, which works out to a compound annual growth rate of 8.7%. The company has a return on equity of 33.7%, a debt to equity ratio of 0.00 and a market capitalisation of Rs 86,056 crore. The stock trades at a P\/E of 25.2, above the industry P\/E of 17.9. Looking ahead, the company is helping banks move to modern platforms and cloud deployments, which creates demand for its products. 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Demand from housing, redevelopment and commercial building supports tile volumes.\"}},{\"@type\":\"Question\",\"name\":\"What risks should investors check before buying banking software, city gas and tile stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Investors should check a few risks before buying banking software, city gas and tile stocks. Client spending. Technology budgets can vary with global conditions. Gas prices and rules. Gas costs and regulated tariffs can influence earnings. Valuation levels. Some of these companies trade at high earnings multiples, so growth must continue to justify them. 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Compare price, valuation, return on equity and revenue growth as of 4 November 2026.<\/p>\n","protected":false},"author":29,"featured_media":340325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[6178,16122,3803,20418,20420,727,7125,15391,20421,20419],"class_list":["post-340326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-adani-total-gas","tag-banking-software","tag-best-stocks","tag-city-gas-and-tile-stocks","tag-core-banking","tag-fintech","tag-kajaria-ceramics","tag-oracle-financial-services-software","tag-piped-gas-and-vitrified-tile-stocks","tag-utility-and-building-shares"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["340325"],"rank_math_title":["Banking Software, City Gas and Tile Stocks"],"rank_math_description":["Compare 3 banking software, city gas and tile stocks with a strong future roadmap on CMP, market cap, P\/E, ROE and revenue growth. 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