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LAXMI INDIA FINANCE LTD LAXMIINDIA NSEFINANCIAL

Financial Services · Credit Services · India
https://www.lifc.co.in
Company Profile ↓
₹108.94
-18.77% 1Y
Mkt Cap₹569.41 Cr
P/E15.81
P/B1.22
52W High₹175.87
52W Low₹71.65
Book Value₹89.06
EPS (TTM)₹6.89

Company Overview

Laxmi India Finance Limited, a non-banking finance company, provides financial products and services to individuals, businesses, and institutions in India. It offers MSME, wholesale, business, personal, and residential construction loans, as well as vehicle loan includes two-wheeler, tractor, commercial vehicle, and electric vehicle loan. The company was incorporated in 1996 and is based in Jaipur, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 46.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 36.9% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 15.8, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 15.8%.

Recent Developments

  • Mar 2026 Revenue of ₹314.65 Cr (+28.5% YoY); net profit ₹49.76 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +28.5%, earnings +38.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 36.9%, profit CAGR 46.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:36.92%
1 Year:28.55%

Compounded Profit Growth

5 Years:46.05%
1 Year:38.20%

Stock Price Performance

1 Year:-18.77%
6 Months:-11.92%
3 Months:-9.46%
1 Month:-0.86%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 36% of range
₹71.65 ₹175.87
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)49.85 · Neutral
Price Performance
1M-0.86%
3M-9.46%
6M-11.92%
1Y-18.77%
Valuation vs Sector

P/E of 15.81 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 36.9% over 5 years.
  • Profit CAGR of 46.1% over 5 years.

CONS

  • Trading 38.1% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
15.81
Industry PE
19.81
Forward P/E est.
11.44
PEG Ratio
-
Book Value
₹89.06
Price to Book
1.22
P/S
3.38
EV/EBITDA
24.04
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
36.92%
Profit 5Y
46.05%
Revenue (YoY)
28.55%
Earnings (YoY)
38.20%

Profitability & Returns

ROCE
4.14%
ROE
10.69%
ROA
2.74%
Profit Margin
15.81%
Op Margin
23.89%
Gross Margin
33.31%
EPS (Latest Qtr)
₹4.05
EPS (TTM)
₹6.89

Balance Sheet & Liquidity

Debt/Equity
2.87
Quick Ratio
131.38
Current Ratio
502.57
Debt
₹1,337.31 Cr
Total Assets
₹1,817.78 Cr
Current Assets
₹1,615.92 Cr
Working Capital
₹1,612.71 Cr

Ownership

Promoter Holding
66.40%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹569.41 Cr
Total Revenue (TTM)
₹314.65 Cr
EBITDA
₹77.46 Cr
Free Cash Flow
₹-286.49 Cr
Operating Cash Flow
₹-279.99 Cr
Shares Outstanding
₹5.23 Cr
Gross Margin
33.31%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 LAXMIINDIA LAXMI INDIA FINANCE LTD NSEFINANCIAL 108.94 15.81 ₹569.41 Cr 0.00% 4.14% 10.69% 36.92% 46.05%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Sep 2025Dec 2025Mar 2026
Revenue 61.12 Cr75.24 Cr75.67 Cr75.94 Cr93.36 Cr
Cost of Revenue 44.97 Cr45.76 Cr51.10 Cr53.82 Cr55.42 Cr
Gross Profit 16.15 Cr29.48 Cr24.57 Cr22.12 Cr37.94 Cr
Operating Expenses 5.65 Cr5.74 Cr9.34 Cr6.06 Cr8.42 Cr
Operating Income 10.50 Cr23.74 Cr15.23 Cr16.06 Cr29.52 Cr
EBITDA 11.01 Cr24.31 Cr15.74 Cr16.70 Cr30.21 Cr
Interest Expense -----
Pretax Income 7.99 Cr18.98 Cr12.78 Cr13.43 Cr27.08 Cr
Tax Provision 1.84 Cr4.41 Cr3.37 Cr3.37 Cr6.56 Cr
Net Income 6.15 Cr14.57 Cr9.40 Cr10.06 Cr20.52 Cr
Diluted EPS 1.182.791.901.904.05

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -122.58 Cr159.23 Cr244.78 Cr314.65 Cr
Cost of Revenue -91.48 Cr123.15 Cr168.65 Cr209.85 Cr
Gross Profit -31.10 Cr36.08 Cr76.12 Cr104.81 Cr
Operating Expenses -10.07 Cr15.08 Cr20.14 Cr29.64 Cr
Operating Income -21.02 Cr21.00 Cr55.98 Cr75.16 Cr
EBITDA -23.25 Cr31.33 Cr57.88 Cr77.46 Cr
Interest Expense 14.00 L14.60 L16.20 L30.70 L-
Pretax Income -22.02 Cr29.64 Cr47.36 Cr66.05 Cr
Tax Provision -6.05 Cr7.17 Cr11.35 Cr16.29 Cr
Net Income -15.97 Cr22.47 Cr36.00 Cr49.76 Cr
Diluted EPS 2.803.064.306.89-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -778.71 Cr984.85 Cr1,412.52 Cr1,817.78 Cr
Current Assets -368.87 Cr329.71 Cr552.60 Cr1,615.92 Cr
Cash & Equivalents -95.28 Cr42.27 Cr102.43 Cr42.36 Cr
Inventory -----
Receivables ----20.87 L
Total Liabilities -626.16 Cr783.12 Cr1,154.63 Cr1,352.31 Cr
Current Liabilities -263.28 Cr257.83 Cr423.21 Cr3.22 Cr
Long Term Debt -357.94 Cr519.18 Cr728.57 Cr1,337.31 Cr
Total Debt -615.84 Cr767.72 Cr1,139.27 Cr1,337.31 Cr
Total Equity -152.55 Cr201.73 Cr257.89 Cr465.47 Cr
Shares Outstanding -5.23 Cr5.23 Cr5.23 Cr5.23 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --169.41 Cr-223.75 Cr-311.26 Cr-279.99 Cr
Investing Cash Flow -5.14 Cr-6.80 Cr-18.39 Cr-134.36 Cr
Financing Cash Flow -212.68 Cr177.54 Cr389.81 Cr354.28 Cr
Capital Expenditure --5.13 Cr-2.43 Cr-3.66 Cr-6.50 Cr
Free Cash Flow --174.55 Cr-226.19 Cr-314.92 Cr-286.49 Cr
Net Change in Cash -48.40 Cr-53.01 Cr60.16 Cr-60.07 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -25.4%22.7%31.1%33.3%
Operating Margin % -17.2%13.2%22.9%23.9%
Net Margin % -13.0%14.1%14.7%15.8%
ROE % -10.5%11.1%14.0%10.7%
ROCE % -4.1%2.9%5.7%4.1%

Shareholding Pattern

Insiders
66.40%
Institutions
0.00%
Public Float
0.00%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for LAXMIINDIA

Google News Fri, 15 May 2026

Laxmi India Finance FY26 Net Profit Rises 38% to ₹4,975.74 Lakh; Q4 Profit Up 41% - scanx.trade

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Google News Mon, 04 Aug 2025

Laxmi India Finance Shares Make Weak Debut on Stock Market, List at 12.96% Discount - Groww

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Google News ue, 05 Aug 2025

Laxmi India Finance shares list at 13% discount to IPO price on NSE - Moneycontrol.com

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Google News hu, 14 Aug 2025

Why Laxmi India Finance Share Price is Falling - Equitymaster

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Google News ue, 05 Aug 2025

Laxmi India Finance Ltd Share Price Today | Laxmi India Finance Live NSE/BSE - Value Research

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Google News ue, 05 Aug 2025

Laxmi India Finance Ltd. Share Price Today - Laxmi India Finance Ltd. Stock Price Live NSE/BSE - CNBC TV18

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LAXMIINDIA — Frequently Asked Questions

What is the current share price of LAXMI INDIA FINANCE LTD (LAXMIINDIA)?

As of 2026-07-15 09:52 IST, LAXMI INDIA FINANCE LTD (LAXMIINDIA) trades at ₹108.94 on NSE. Its 52-week range is ₹71.65 to ₹175.87.

What is the market capitalisation of LAXMIINDIA?

LAXMI INDIA FINANCE LTD (LAXMIINDIA) has a market capitalisation of ₹569.41 Cr on NSE.

What is the P/E ratio of LAXMIINDIA?

LAXMIINDIA trades at a trailing price-to-earnings (P/E) ratio of 15.81. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.22.

What is the return on equity (ROE) of LAXMIINDIA?

LAXMIINDIA has a return on equity (ROE) of 10.69%. Its return on capital employed (ROCE) is 4.14%.

Is LAXMIINDIA a good stock to buy?

This page provides a data-driven analysis of LAXMI INDIA FINANCE LTD (LAXMIINDIA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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