Specialized Finance Stocks With High Dividend Yield

Specialized Finance Stocks With High Dividend Yield

The table below shows the Specialized Finance Stocks With High Dividend Yield based on the Highest Market Capitalization.

NameMarket Cap (Cr)Close PriceDividend Yield
CSL Finance Ltd984.72417.850.53
Rail Vikas Nigam Ltd60225.81261.050.74
Housing and Urban Development Corporation Ltd44442.18214.11.73
PTC India Financial Services Ltd2874.2239.852.23
Indian Railway Finance Corp Ltd207658.56148.050.94
Kifs Financial Services Ltd172.98146.50.84
Tourism Finance Corporation of India Ltd1642.18160.751.32
Power Finance Corporation Ltd154395.26417.652.27
REC Limited145854.28513.852.89

Content: 

What are Specialized Finance Stocks?

Specialized finance stocks refer to companies operating in niche areas of the financial services industry, offering specialized products or services. These may include leasing companies, mortgage REITs (Real Estate Investment Trusts), insurance brokers focusing on specific sectors, and firms providing financing for specialized projects such as infrastructure or renewable energy initiatives.

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Best Specialized Finance Stocks With High Dividend Yield

The table below shows the Best Specialized Finance Stocks With High Dividend Yield based on 1 Year Return. 

NameClose Price1Y Return %Dividend Yield
Indian Railway Finance Corp Ltd148.05350.680.94
Housing and Urban Development Corporation Ltd214.1293.931.73
REC Limited513.85290.912.89
Power Finance Corporation Ltd417.65215.82.27
PTC India Financial Services Ltd39.85150.632.23
Tourism Finance Corporation of India Ltd160.75116.51.32
Rail Vikas Nigam Ltd261.05114.240.74
CSL Finance Ltd417.8592.250.53
Kifs Financial Services Ltd146.548.580.84

Top Specialized Finance Stocks With High Dividend Yield

The table below shows Top Specialized Finance Stocks With High Dividend Yield based on the highest day Volume.

NameClose PriceDaily Volume (Shares)Dividend Yield
Indian Railway Finance Corp Ltd148.0527205055.00.94
REC Limited513.8519170559.02.89
Power Finance Corporation Ltd417.6514527463.02.27
Housing and Urban Development Corporation Ltd214.112442587.01.73
Rail Vikas Nigam Ltd261.0510034497.00.74
PTC India Financial Services Ltd39.85567983.02.23
Tourism Finance Corporation of India Ltd160.75398060.01.32
CSL Finance Ltd417.8528119.00.53
Kifs Financial Services Ltd146.5159.00.84

List Of Specialized Finance Stocks With High Dividend Yield

The table below shows List Of Specialized Finance Stocks With High Dividend Yield based on the PE Ratio. 

NameClose PricePE RatioDividend Yield
Power Finance Corporation Ltd417.657.342.27
REC Limited513.859.522.89
PTC India Financial Services Ltd39.8513.932.23
Tourism Finance Corporation of India Ltd160.7515.371.32
CSL Finance Ltd417.8516.290.53
Housing and Urban Development Corporation Ltd214.120.871.73
Indian Railway Finance Corp Ltd148.0531.830.94
Rail Vikas Nigam Ltd261.0539.570.74
Kifs Financial Services Ltd146.556.130.84

High Dividend Specialized Finance Stocks

The table below shows High Dividend Specialized Finance Stocks based on the 6 month return. 

NameClose Price6M Return %Dividend Yield
Housing and Urban Development Corporation Ltd214.1166.631.73
Indian Railway Finance Corp Ltd148.0599.80.94
Rail Vikas Nigam Ltd261.0567.130.74
REC Limited513.8557.772.89
Tourism Finance Corporation of India Ltd160.7552.881.32
Power Finance Corporation Ltd417.6545.172.27
PTC India Financial Services Ltd39.8522.432.23
CSL Finance Ltd417.8511.260.53
Kifs Financial Services Ltd146.510.150.84

Who Should Invest In Specialized Finance Stocks With High Dividend Yield?

Investors seeking stable income streams and willing to take on moderate risk may find specialized finance stocks with high dividend yields appealing. Those looking for diversification beyond traditional financial instruments might also consider these stocks. However, investors should conduct thorough research into the specific sector and company before investing.

How To Invest In The Specialized Finance Stocks With High Dividend Yield?

Investing in specialized finance stocks with high dividend yields involves researching and identifying companies within the sector that offer consistent dividends. Investors should assess the company’s financial health, dividend history, and growth prospects. Additionally, they can utilize brokerage platforms to purchase shares and consider diversifying their portfolio to mitigate risks associated with individual stocks.

Performance Metrics Of Specialized Finance Stocks With High Dividend Yield

Performance metrics for Specialized Finance Stocks 

1. Dividend Yield: Measures the percentage return on investment from dividends relative to the stock price.

2. Dividend Payout Ratio: Indicates the proportion of earnings distributed as dividends, reflecting sustainability.

3. Earnings Growth: Tracks the company’s ability to generate profits, impacting dividend stability and growth potential.

4. Debt-to-Equity Ratio: Assesses the company’s financial leverage, influencing dividend sustainability and risk.

5. Return on Equity (ROE): Measures the profitability of shareholder equity, reflecting the company’s efficiency in generating profits.

6. Price-to-Earnings (P/E) Ratio: Evaluates the stock’s valuation relative to earnings, guiding investment decisions and potential returns.

Benefits Of Investing In Specialized Finance Stocks With High Dividend Yield

Benefits Of Investing In Specialized Finance Stocks

1. Stable Income: High dividend yields offer a consistent stream of income for investors, providing financial stability.

2. Portfolio Diversification: Adding specialized finance stocks with high dividend yields can diversify investment portfolios, reducing overall risk.

3. Potential for Capital Appreciation: Alongside dividends, these stocks may also offer potential for capital appreciation, enhancing total returns.

4. Hedge Against Inflation: Dividend income can act as a hedge against inflation, preserving purchasing power over time.

5. Long-Term Wealth Creation: Reinvesting dividends can compound wealth over the long term, enhancing overall investment returns.

6. Attractive Total Returns: Combining dividends and potential capital gains, specialized finance stocks with high dividend yields can offer attractive total returns to investors.

Challenges Of Investing In Specialized Finance Stocks With High Dividend Yield

Challenges Of Investing In Specialized Finance Stocks 

1. Interest Rate Sensitivity: Specialized finance stocks can be sensitive to changes in interest rates, affecting their profitability and dividend payments.

2. Regulatory Risks: Regulatory changes in the financial industry can impact specialized finance companies, leading to uncertainty and potential disruptions.

3. Economic Downturns: Economic downturns and recessions can negatively impact the financial health of specialized finance firms, affecting their ability to maintain high dividend yields.

4. Market Volatility: Specialized finance stocks may experience heightened volatility due to market conditions and investor sentiment, leading to fluctuations in share prices and dividend payouts.

5. Credit Risks: Exposure to credit risks, such as default rates and loan losses, can affect the profitability and dividend-paying capacity of specialized finance companies.

6. Industry Competition: Intense competition within the specialized finance sector can pressure profit margins and dividend yields, as companies strive to gain market share and attract investors.

Introduction to Specialized Finance Stocks With High Dividend Yield

CSL Finance Ltd

The Market Cap of CSL Finance Ltd is Rs 984.72 crore with a monthly return of -15.05%. The one-year return stands at 92.25%, and the stock is 23.90% away from its 52-week high.

CSL Finance Limited, an NBFC based in India, specializes in providing secured and unsecured loans to small and medium-sized enterprises (SMEs) in sectors such as education, healthcare, agriculture, FMCG trading, and for salaried professionals. 

The company operates through segments dedicated to SME business and wholesale business. The SME business offers secured loans to micro and small businesses against residential or commercial properties, while the wholesale business focuses on providing working capital loans to businesses. The company’s product range includes offerings such as Emergency Credit Line Guarantee Scheme (ECLGS), Wholesale Loans, Retail Loans, and construction finance for builders and developers to meet short-term funding needs.

Rail Vikas Nigam Ltd

The Market Cap of Rail Vikas Nigam Ltd is Rs. 60225.81 crores. The stock’s monthly return is -0.36%. Its one-year return is 114.24%. The stock is 32.35% away from its 52-week high.

Rail Vikas Nigam Limited (RVNL) is an Indian company dedicated to advancing rail infrastructure. RVNL specializes in carrying out a wide range of projects such as new lines, gauge conversion, railway electrification, bridges, workshops, and production units. 

The company is involved in every aspect of project development, from conceptualization to completion, working on a turnkey basis and overseeing design, cost estimation, contract procurement, project management, and commissioning. RVNL serves a diverse client base comprising central and state government bodies as well as public sector enterprises.

Housing and Urban Development Corporation Ltd

The Market Cap of Housing and Urban Development Corporation Ltd is Rs. 44,442.18 crore. The stock’s monthly return is -81.09%. Its one-year return is 293.93%. The stock is 13.36% away from its 52-week high.

The Housing And Urban Development Corporation Limited is a company that specializes in technology-driven financial services. The company primarily focuses on funding housing and infrastructure projects, including retail lending, and offers consultancy services. It conducts training programs and workshops for government officials at both national and international levels. The company’s infrastructure projects cover various areas such as water supply, sewerage, roads, electricity, smart cities, and industrial infrastructure in urban settings. 

Additionally, it supports social infrastructure initiatives such as schools, hostels, health centers, playgrounds, police stations, courts, jails, and crematoriums. The company also offers consultancy services in architectural design, urban planning, project appraisal, monitoring, and environmental engineering related to housing and urban development.

REC Limited

The Market Cap of REC Limited is Rs. 145,854.28 crore. The stock’s monthly return is 15.27%. Its one-year return is 290.91%. The stock is 10.37% away from its 52-week high.

REC Limited is an India-based company specializing in infrastructure financing. The company provides interest-bearing loans to various entities involved in the power sector, including state electricity boards, state power utilities, and private companies across different segments of power infrastructure. 

REC Limited operates in a single business segment, focusing on lending to the power, logistics, and infrastructure sectors. Its range of financial products includes long-term loans, medium-term loans, short-term loans, debt refinancing, equity financing, and financing for equipment manufacturing in the power industry. The company also offers funding for coal mines and supports projects related to renewable energy.  

Kifs Financial Services Ltd

The Market Cap of Kifs Financial Services Ltd is Rs. 172.98 crore. The stock’s monthly return is 3.53%. Its one-year return is 48.58%. The stock is 57.43% away from its 52-week high.

KIFS Financial Services Limited, an organization situated in India, specializes in providing financial services. The company operates in various areas such as stock and commodities broking, arbitrage, depository services, and portfolio management. Their range of services includes providing loans secured against shares, financing for retail applications for initial public offerings (IPOs) and follow-on public offerings (FPOs), as well as offer margin trading services.

They also cater to retail investors by offering capital market products like margin trading, loan against shares (LAS), and financing for retail subscriptions to primary market offerings. The company serves a diverse clientele that comprises retail investors, high net worth individuals, proprietary and partnership firms, as well as private and public limited companies.

Power Finance Corporation Ltd

The Market Cap of Power Finance Corporation Ltd is Rs. 154395.26 crore. The stock’s monthly return is 3.07%. Its one-year return is 215.80%. The stock is 16.25% away from its 52-week high.

Power Finance Corporation Limited is a non-banking financial company based in India that specializes in providing financial support to the power sector. The company offers a range of fund-based products such as project term loans, lease financing for equipment purchases, short/medium-term loans for equipment manufacturers, grants/interest-free loans for studies/consultancies, corporate loans, lines of credit for coal imports, buyers’ lines of credit, lease financing for wind power projects, debt refinancing, and credit facilities for purchasing power through power exchange. 

Additionally, its non-fund-based products include deferred payment guarantees, letters of comfort (LoC), guarantees for contract performance and obligations related to fuel supply agreements (FSA), and credit enhancement guarantees. The company also provides consultancy and advisory services in financial, regulatory, and capacity building domains. Power Finance Corporation Limited’s subsidiaries include REC Limited and PFC Consulting Ltd.

 Indian Railway Finance Corp Ltd

The Market Cap of Indian Railway Finance Corp Ltd is Rs. 207658.56 crore. The stock’s monthly return is -0.44%. Its one-year return is 350.68%. The stock is 30.23% away from its 52-week high.

Indian Railway Finance Corporation Limited, an India-based organization, serves as the financial arm of the Indian railways. Its primary operation falls under the Leasing and Finance segment. The company’s core activity involves securing funds from financial markets to support the acquisition or development of assets, which are then leased to the Indian Railways through finance leasing arrangements. 

Its primary focus lies in financing the procurement of rolling stock assets, leasing railway infrastructure assets, and extending loans to entities under the Ministry of Railways (MoR). By utilizing a leasing model, it channels funds towards the acquisition of rolling stock and project assets for the Indian Railways. Moreover, the company extends financial support to MoR and other Railway Entities to facilitate their growth strategies.  

PTC India Financial Services Ltd

The Market Cap of PTC India Financial Services Ltd is Rs. 2,874.22 crores. The stock’s monthly return is -5.24%. Its one-year return is 150.63%. The stock is 70.51% away from its 52-week high.

PTC India Financial Services Limited, an infrastructure finance company based in India, specializes in providing financing solutions for the energy value chain. This includes investing in equity or providing debt for road and power infrastructure projects involved in generation, transmission, distribution, fuel resources, and related infrastructure. 

The company offers various fund-based and non-fund based financial assistance options in the form of debt or structured debt instruments, tailored to the needs of the promoter or borrowing company, market conditions, project risks and rewards, and regulatory requirements. PTC India Financial Services Limited provides long term loans, short term loans, and bridge financing for projects, and plays various roles such as underwriter, lead arranger, and syndicator, with a focus on renewable energy projects. Their expertise lies in greenfield and brownfield expansion projects, offering products such as vanilla project finance debt, structured debt, and securitization.

Tourism Finance Corporation of India Ltd

The Market Cap of Tourism Finance Corporation of India Ltd is Rs. 1642.18 crore. The stock’s monthly return is -11.64%. Its one-year return is 116.50%. The stock is 66.44% away from its 52-week high.

Tourism Finance Corporation of India Limited is an Indian financial institution that offers rupee term loans, corporate loans, and debenture/equity subscriptions primarily to the tourism sector, including hotels, resorts, restaurants, amusement parks, and multiplexes. The corporation also provides financial assistance to other industries like infrastructure, manufacturing, and real estate, as well as educational and healthcare institutions, non-banking finance companies, and the affordable/middle-class housing development sector within real estate. 

Additionally, it extends its services to logistics, warehousing, renewable energy, and manufacturing sectors. The corporation also provides consultancy services such as tourism potential assessment, tourism master plan development, disinvestment services for governmental bodies, debt syndication, and investment banking.

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Specialized Finance Stocks With High Dividend – FAQs

1.Which Are The Best Specialized Finance Stocks With High Dividend Yield?

Best Specialized Finance Stocks With High Dividend Yield  #1: CSL Finance Ltd
Best Specialized Finance Stocks With High Dividend Yield  #2: Rail Vikas Nigam Ltd
Best Specialized Finance Stocks With High Dividend Yield  #3: Housing and Urban Development Corporation Ltd
Best Specialized Finance Stocks With High Dividend Yield  #4: PTC India Financial Services Ltd
Best Specialized Finance Stocks With High Dividend Yield  #5: Indian Railway Finance Corp Ltd
 The Best Specialized Finance Stocks With High Dividend Yield are based on market capitalization.

2.What Are The Top Specialized Finance Stocks With High Dividend Yield?

Based on one year’s return, the Top Specialized Finance Stocks With High Dividend Yield are Indian Railway Finance Corp Ltd, Housing and Urban Development Corporation Ltd, REC Limited, Power Finance Corporation Ltd, and PTC India Financial Services Ltd.

3.Can I Invest In Specialized Finance Stocks With High Dividend Yield?

Yes, investing in specialized finance stocks with high dividend yield is possible. However, it’s essential to conduct thorough research on the company’s financial health, dividend history, and industry outlook. Consider factors like interest rate sensitivity, regulatory risks, and economic conditions before making investment decisions in specialized finance stocks. Consulting with a financial advisor can also provide valuable insights.

4.Is It Good To Invest In Specialized Finance Stocks With High Dividend Yield?

Investing in specialized finance stocks with high dividend yield can be beneficial for income-oriented investors seeking regular income streams. These stocks often provide attractive dividend payouts, potentially offering a steady source of passive income. However, investors should assess the company’s financial stability, growth prospects, and dividend sustainability to make informed investment decisions.

5.How To Invest In Specialized Finance Stocks With High Dividend Yield?

To invest in specialized finance stocks with high dividend yield, start by researching companies with a history of consistent dividends. Analyze financial reports, dividend payout ratios, and growth potential. Consider using a brokerage platform to buy shares of these companies. Diversify your portfolio to manage risk and monitor the stocks regularly for performance.

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Disclaimer: The above article is written for educational purposes, and the companies’ data mentioned in the article may change with respect to time The securities quoted are exemplary and are not recommendatory.

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