Bajaj Finance Ltd shows strong scale with Rs. 5,90,593.20 crore market cap and 30.89% one year return, making it a stable fintech stock.
PB Fintech Ltd offers long-term digital growth potential, but current returns and high PE of 211.75 show higher risk.
Fintech stocks mix technology with finance, giving both steady performers and volatile high-growth opportunities.
The fintech sector in India is growing fast due to digital payments, online lending, wealth tech, and platform-based financial services. Many listed companies are now pure fintech or tech-driven finance players. Let’s take a look at the best fintech stocks to buy in India, based on market data, returns, and financial ratios.
Bajaj Finance Ltd is one of the largest consumer finance companies in India, with a market cap of Rs. 5,90,593.20 crore and a close price of Rs. 950.25. The company trades at a PE ratio of 35.50 and PB ratio of 5.97.
One-day return stands at 0.45% while one-month return is -5.81 %. Over six-months, the stock delivered a 3.09 % return and a strong one-year return of 30.89%.
Return on equity is healthy at 18.95%, and ROCE is 5.18%. Dividend yield is 0.59%, and debt to equity is high at 3.65, which is normal for lending businesses. Volatility vs Nifty is 2.11, showing moderate risk.
HDFC Asset Management Company Ltd operates in the asset management sub-sector with a market cap of Rs. 1,11,206.02 crore and a share price of Rs. 2,596.40. PE ratio is on the higher side at 45.20, while PB ratio is 13.68. One-day return is 1.66%, and one-month return is slightly negative at -0.37%.
Six-month return stands at -3.00%, but one-year return is strong at 26.94%. Return on equity is high at 32.36%, and ROCE is 39.39%. Dividend yield is 1.73%, and debt to equity is zero, making the balance sheet clean. Volatility vs Nifty is 2.31.
Also Read: Top US Internet Stocks for 2026: Growth & Investment Picks
One 97 Communications Ltd is known for digital payments and online services. Market cap is Rs. 85,883.50 crore, and stock price is Rs. 1,342.50. PE ratio is negative at -130.38 due to losses. One-day return is 2.22% while one-month return is 3.69%.
Strong six-month return of 33.58% and one-year return of 50.00% show momentum. PB ratio is 5.73. Return on equity is -4.66%, and ROCE is -4.11%, showing profitability is still a concern. Debt to equity is very low at 0.01. Volatility vs Nifty is high at 3.01.
PB Fintech Ltd operates in online financial services with a market cap of Rs. 74,751.41 crore and a price of Rs. 1,620.00. PE ratio is very high at 211.75, and PB ratio is 11.61. One-day return is -1.73%. One-month return is -15.84%.
Six-month return is -10.62% and one-year return is -10.66%, showing weak recent performance. Return on equity is 5.73%, and ROCE is 6.22%. Debt to equity is low at 0.05. Volatility vs Nifty is elevated at 3.19.
Central Depository Services (India) Ltd. plays a critical role in the stock market infrastructure. Market cap is Rs. 29,976.87 crore, and share price is Rs. 1,434.30. PE ratio is 56.92, and PB ratio is high at 16.62. One-day return is 1.32%. One-month return is -4.95%.
Six-month return is -16.68%, and the one-year return is -10.54%. Return on equity is strong at 31.81%, and ROCE is 37.66 %. Dividend yield is 0.87%, and debt to equity is zero. Volatility vs Nifty is 2.93.
Computer Age Management Services Ltd provides registrar and transfer services. Market cap is Rs. 18,041.31 crore with stock trading at Rs. 727.80. PE ratio is 38.37 and PB ratio is 16.12. One-day return is 0.92%. One-month return is -3.28%.
Six-month return is -13.51%, and the one-year return is -18.12%. Return on equity is very strong at 46.22%, and ROCE is 49.56%. Dividend yield is 1.99%. Debt to equity is low at 0.08. Volatility vs Nifty is 2.80.
Tanla Platforms Ltd works in software-driven communication services. Market cap stands at Rs. 6,108.20 crore, and price is Rs. 462.75. The PE ratio is attractive at 12.04, and PB ratio is 2.69. One-day return is -4.27%. One-month return is -17.46%. Six-month return is -29.61% and one-year return is -30.33%.
Return on equity is 24.10%, and ROCE is 27.35%. Dividend yield is 2.64%. Debt to equity is just 0.03. Volatility vs Nifty is high at 3.70.
Zaggle Prepaid Ocean Services Ltd is a smaller fintech company with a market cap of Rs. 4,188.85 crore and a stock price of Rs. 311.55. PE ratio is 47.64, and PB ratio is 3.35. One-day return is 3.03%. One-month return is -9.96%.
Six-month return is -25.88% and one-year return is -41.12%. Return on equity is 9.64%, and ROCE is 9.99%. Debt to equity remains low at 0.02. Volatility vs Nifty is high at 3.94.
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Indian fintech stocks offer a mix of stability, growth, and high-risk opportunities. Large players like Bajaj Finance Ltd and HDFC Asset Management Company Ltd show strong fundamentals and returns. Platform-based companies like One 97 Communications Ltd and PB Fintech Ltd carry higher volatility but also higher growth potential.
Infrastructure-focused fintech such as Central Depository Services (India) Ltd and Computer Age Management Services Ltd bring consistency with strong margins. Smaller names like Tanla Platforms Ltd and Zaggle Prepaid Ocean Services Ltd remain risky, but valuation may attract long-term interest. Careful analysis of numbers and the business model is always needed before investment decisions.
What are fintech stocks?
Fintech stocks are companies using technology to deliver financial services like lending, payments, insurance, and investments.
Why are fintech stocks popular in India?
India’s digital adoption, UPI growth, and online finance demand are driving fast expansion in the fintech sector.
Is Bajaj Finance a fintech company?
Bajaj Finance Ltd is a tech-driven consumer finance company and widely considered a major fintech player.
Is PB Fintech profitable?
PB Fintech Ltd is still working on profitability, with ROE at 5.73% and recent negative returns.
Are fintech stocks high risk?
Some fintech stocks are volatile due to valuation and growth expectations, while others offer stable returns based on strong cash flows.
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