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L&T Finance Limited LTF NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.ltfinance.com
Company Profile ↓
₹244.10
+24.69% 1Y
Mkt Cap₹61,181.27 Cr
P/E19.27
P/B2.33
Div. Yield1.06%
52W High₹335.60
52W Low₹195.76
Book Value₹112.09
EPS (TTM)₹12.67

Company Overview

L&T Finance Limited, a non-banking financial company, provides various financial products and services in India. It offers housing loans; personal loans for medical emergencies, home renovation, wedding, vacation, education, and debt consolidation; two-wheeler loans; business loans, such as SME, doctor, chartered accountant, and professional loans, as well as supply chain financing solutions; rural loans comprising vikaas loans, vishwas loans, pragati loans, RLAP balance transfer, and micro loans against property; farmer loans, including new tractor loans, agri-implement loans, kisan suvidha top up, kisan suvidha top up plus, refinance loan, and warehouse receipt finance services; gold loans, such as sukhad loan, sampati loan, saraswati loan, safalta loan, sugam loan, and shubh loan; and loans against property. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. The company was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.5% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 17.7% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 33.1%.

Recent Developments

  • Mar 2026 Revenue of ₹10,635.18 Cr (+10.0% YoY); net profit ₹2,981.18 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +29.3%, earnings +28.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 17.7%, profit CAGR 22.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:17.71%
1 Year:29.30%

Compounded Profit Growth

5 Years:22.46%
1 Year:28.20%

Stock Price Performance

1 Year:+24.69%
6 Months:-13.71%
3 Months:-19.28%
1 Month:-19.94%

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

Technical Snapshot Bearish
52-Week Range 35% of range
₹195.76 ₹335.60
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)26.75 · Oversold
Price Performance
1M-19.94%
3M-19.28%
6M-13.71%
1Y+24.69%
Valuation vs Sector

P/E of 19.27 is above the sector median of 15.25 — pricier 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

  • Excellent profit margin of 33.1%.
  • Compounding revenue at 17.7% over 5 years.
  • Profit CAGR of 22.5% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading 27.3% below its 52-week high.

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

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Valuation

Stock P/E
19.27
Industry PE
15.25
Forward P/E
12.74
PEG Ratio
-
Book Value
₹112.09
Price to Book
2.33
P/S
6.80
EV/EBITDA
-
Dividend Yield
1.06%

Growth (CAGR)

Revenue 5Y
17.71%
Profit 5Y
22.46%
Revenue (YoY)
29.30%
Earnings (YoY)
28.20%

Profitability & Returns

ROCE
-
ROE
10.65%
ROA
2.10%
Profit Margin
33.08%
Op Margin
45.95%
Gross Margin
99.53%
EPS (Latest Qtr)
₹3.59
EPS (TTM)
₹12.67

Balance Sheet & Liquidity

Debt/Equity
3.93
Quick Ratio
-
Current Ratio
-
Debt
₹1.10 L Cr
Total Assets
₹1.42 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
65.95%
Chg in Prom Hold
-0.00%
FII / Inst Holding
18.12%
Chg in FII Hold
-1.00%

Financial Snapshot

Enterprise Value
₹61,181.27 Cr
Total Revenue (TTM)
₹9,621.89 Cr
EBITDA
-
Free Cash Flow
₹-14,428.70 Cr
Operating Cash Flow
₹-14,189.24 Cr
Shares Outstanding
₹250.64 Cr
Gross Margin
99.53%
Payout Ratio
21.70%

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 LTF L&T Finance Limited NIFTY_MIDNSEFINANCIAL 244.10 19.27 ₹61,181.27 Cr 1.06% - 10.65% 17.71% 22.46%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 3,243.00 Cr3,223.00 Cr3,214.00 Cr3,534.00 Cr3,670.00 Cr3,784.00 Cr4,019.00 Cr2,610.64 Cr2,332.60 Cr2,534.12 Cr4,336.00 Cr2,717.23 Cr2,821.39 Cr3,085.74 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 1,309.00 Cr1,270.00 Cr1,331.00 Cr1,375.00 Cr1,619.00 Cr1,482.00 Cr1,575.00 Cr1,057.78 Cr1,003.38 Cr1,048.60 Cr1,662.00 Cr1,106.49 Cr1,201.28 Cr1,266.82 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 1,445.00 Cr1,364.00 Cr1,325.00 Cr1,353.00 Cr1,335.00 Cr1,351.00 Cr1,476.00 Cr1,569.24 Cr1,599.83 Cr1,635.74 Cr1,634.00 Cr1,703.02 Cr1,747.03 Cr1,970.07 Cr
Pretax Income 662.00 Cr714.00 Cr797.00 Cr824.00 Cr694.00 Cr922.00 Cr940.00 Cr823.90 Cr805.52 Cr943.22 Cr989.00 Cr992.17 Cr1,073.92 Cr1,236.28 Cr
Tax Provision 244.94 Cr185.64 Cr199.25 Cr181.28 Cr138.80 Cr239.72 Cr244.40 Cr198.25 Cr169.68 Cr242.38 Cr257.14 Cr254.18 Cr264.76 Cr320.29 Cr
Net Income 417.00 Cr531.00 Cr594.00 Cr639.00 Cr553.00 Cr685.00 Cr697.00 Cr626.40 Cr636.17 Cr701.10 Cr735.00 Cr738.61 Cr806.63 Cr902.47 Cr
Diluted EPS 2.022.142.402.572.232.752.792.502.542.802.942.943.213.59

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 6,456.00 Cr7,440.00 Cr8,532.00 Cr10,215.00 Cr13,365.00 Cr14,104.00 Cr13,353.00 Cr-6,521.26 Cr7,859.26 Cr9,669.18 Cr10,635.18 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,625.00 Cr1,979.00 Cr2,776.00 Cr3,308.00 Cr3,377.00 Cr4,160.00 Cr5,401.00 Cr-2,833.40 Cr3,507.24 Cr3,984.09 Cr4,423.39 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 3,577.00 Cr4,133.00 Cr4,635.00 Cr5,458.00 Cr6,882.00 Cr7,552.00 Cr7,230.00 Cr-5,797.24 Cr5,377.19 Cr5,996.76 Cr6,720.08 Cr
Pretax Income 1,175.00 Cr1,253.00 Cr1,079.00 Cr1,446.00 Cr3,052.00 Cr2,680.00 Cr1,472.00 Cr--556.52 Cr3,029.03 Cr3,491.26 Cr3,998.17 Cr
Tax Provision 329.00 Cr400.96 Cr32.37 Cr173.52 Cr824.04 Cr991.60 Cr529.92 Cr-172.37 Cr711.90 Cr847.84 Cr1,015.30 Cr
Net Income 855.00 Cr857.00 Cr1,048.00 Cr1,278.00 Cr2,232.00 Cr1,700.00 Cr949.00 Cr-1,623.25 Cr2,320.10 Cr2,643.66 Cr2,981.18 Cr
Diluted EPS 4.043.974.835.119.066.903.93-6.549.3010.5711.88

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 52,742.00 Cr63,799.00 Cr72,511.00 Cr87,772.00 Cr1.06 L Cr1.10 L Cr1.09 L Cr-1.06 L Cr1.03 L Cr1.20 L Cr1.42 L Cr
Current Assets ------------
Cash & Equivalents --------8,904.07 Cr3,647.86 Cr6,041.80 Cr5,877.63 Cr
Inventory ------------
Receivables --------171.66 Cr250.53 Cr122.69 Cr107.52 Cr
Total Liabilities --------84,744.33 Cr79,189.56 Cr94,778.24 Cr1.14 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------83,104.90 Cr76,603.45 Cr92,372.44 Cr1.10 L Cr
Total Equity 6,376.00 Cr7,195.00 Cr7,894.00 Cr11,407.00 Cr13,449.00 Cr14,693.00 Cr18,773.00 Cr-21,528.37 Cr23,438.44 Cr25,564.06 Cr27,983.53 Cr
Shares Outstanding --------247.97 Cr248.89 Cr249.49 Cr250.44 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -6,474.00 Cr-9,213.00 Cr-5,779.00 Cr-15,640.00 Cr-11,643.00 Cr2,162.00 Cr5,464.00 Cr-6,718.25 Cr685.64 Cr-16,587.47 Cr-14,189.24 Cr
Investing Cash Flow 2.00 Cr-675.00 Cr-2,118.00 Cr1,549.00 Cr-3,587.00 Cr160.00 Cr-2,025.00 Cr--334.76 Cr848.62 Cr471.83 Cr366.90 Cr
Financing Cash Flow 6,552.00 Cr9,426.00 Cr7,952.00 Cr14,678.00 Cr16,008.00 Cr1,451.00 Cr-2,091.00 Cr--1,663.81 Cr-7,049.59 Cr15,418.51 Cr15,415.06 Cr
Capital Expenditure -98.00 Cr-79.00 Cr-2.00 Cr26.00 Cr-80.00 Cr-54.00 Cr-49.00 Cr--127.92 Cr-118.76 Cr-195.28 Cr-239.46 Cr
Free Cash Flow -6,572.00 Cr-9,292.00 Cr-5,781.00 Cr-15,614.00 Cr-11,723.00 Cr2,108.00 Cr5,415.00 Cr-6,590.33 Cr566.88 Cr-16,782.75 Cr-14,428.70 Cr
Net Change in Cash 81.00 Cr-461.00 Cr55.00 Cr587.00 Cr777.00 Cr3,772.00 Cr1,349.00 Cr-4,719.68 Cr-5,515.33 Cr-697.13 Cr1,592.72 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 13.2%11.5%12.3%12.5%16.7%12.1%7.1%-24.9%29.5%27.3%28.0%
ROE % 13.4%11.9%13.3%11.2%16.6%11.6%5.1%-7.5%9.9%10.3%10.7%
ROCE % ------------

Shareholding Pattern

Insiders
65.95%
Institutions
18.12%
Public Float
53.20%

Analyst View

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LTF — Frequently Asked Questions

What is the current share price of L&T Finance Limited (LTF)?

As of 2026-10-24 04:55 IST, L&T Finance Limited (LTF) trades at ₹244.10 on NSE. Its 52-week range is ₹195.76 to ₹335.60.

What is the market capitalisation of LTF?

L&T Finance Limited (LTF) has a market capitalisation of ₹61,181.27 Cr on NSE.

What is the P/E ratio of LTF?

LTF trades at a trailing price-to-earnings (P/E) ratio of 19.27. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 2.33.

Does LTF pay a dividend?

L&T Finance Limited (LTF) currently offers a dividend yield of 1.06%.

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

LTF has a return on equity (ROE) of 10.65%.

Is LTF a good stock to buy?

This page provides a data-driven analysis of L&T Finance Limited (LTF), 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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