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L&T Finance Limited LTF NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.ltfinance.com

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.

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₹286.60
+68.69% 1Y

Market & Price

Market Cap
₹71,806.22 Cr
Current Price
₹286.60
High / Low (52W)
₹317.04 / ₹169.54
Beta
0.69

Valuation

Stock P/E
24.10
Industry PE
19.12
Forward P/E
15.14
PEG Ratio
-
Book Value
₹105.45
Price to Book
2.72
P/S
7.97
EV/EBITDA
-
Dividend Yield
0.96%

Profitability & Returns

ROCE
-
ROE
11.12%
ROA
2.27%
Profit Margin
33.08%
Op Margin
43.72%
EPS (Latest Qtr)
₹3.21
EPS (TTM)
₹11.89

Balance Sheet & Liquidity

Debt/Equity
3.93
Quick Ratio
2.17
Current Ratio
2.25
Debt
₹1.10 L Cr
Total Assets
₹1.42 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
65.97%
Chg in Prom Hold
-
FII / Inst Holding
20.11%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1.71 L Cr
Total Revenue (TTM)
₹9,012.85 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-14,189.24 Cr
Shares Outstanding
₹250.55 Cr
Gross Margin
99.50%
Payout Ratio
23.15%

Growth (CAGR)

Revenue 5Y
17.71%
Profit 5Y
22.46%
Revenue (YoY)
31.90%
Earnings (YoY)
26.40%

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

No notable concerns flagged.

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 286.60 24.10 ₹71,806.22 Cr 0.96% - 11.12% 17.71% 22.46%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 2,610.64 Cr2,332.60 Cr2,534.12 Cr2,717.23 Cr2,821.39 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 1,057.78 Cr1,003.38 Cr1,048.60 Cr1,106.49 Cr1,201.28 Cr
Operating Income -----
EBITDA -----
Interest Expense 1,569.24 Cr1,599.83 Cr1,635.74 Cr1,703.02 Cr1,747.03 Cr
Pretax Income 823.90 Cr805.52 Cr943.22 Cr992.17 Cr1,073.92 Cr
Tax Provision 198.25 Cr169.68 Cr242.38 Cr254.18 Cr264.76 Cr
Net Income 626.40 Cr636.17 Cr701.10 Cr738.61 Cr806.63 Cr
Diluted EPS 2.502.542.802.943.21

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -6,521.26 Cr7,859.26 Cr9,669.18 Cr10,635.18 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -2,833.40 Cr3,507.24 Cr3,984.09 Cr4,423.39 Cr
Operating Income -----
EBITDA -----
Interest Expense -5,797.24 Cr5,377.19 Cr5,996.76 Cr6,720.08 Cr
Pretax Income --556.52 Cr3,029.03 Cr3,491.26 Cr3,998.17 Cr
Tax Provision -172.37 Cr711.90 Cr847.84 Cr1,015.30 Cr
Net Income -1,623.25 Cr2,320.10 Cr2,643.66 Cr2,981.18 Cr
Diluted EPS 4.326.549.3010.57-

Compounded Sales Growth

5 Years:17.71%
1 Year:31.90%

Compounded Profit Growth

5 Years:22.46%
1 Year:26.40%

Stock Price Performance

1 Year:+68.69%
6 Months:-2.48%
3 Months:-2.66%
1 Month:+3.51%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -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 -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 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -6,718.25 Cr685.64 Cr-16,587.47 Cr-14,189.24 Cr
Investing Cash Flow --334.76 Cr848.62 Cr471.83 Cr366.90 Cr
Financing Cash Flow --1,663.81 Cr-7,049.59 Cr15,418.51 Cr15,415.06 Cr
Capital Expenditure --127.92 Cr-118.76 Cr-195.28 Cr-239.46 Cr
Free Cash Flow -6,590.33 Cr566.88 Cr-16,782.75 Cr-14,428.70 Cr
Net Change in Cash -4,719.68 Cr-5,515.33 Cr-697.13 Cr1,592.72 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -24.9%29.5%27.3%28.0%
ROE % -7.5%9.9%10.3%10.7%
ROCE % -----

Shareholding Pattern

Insiders
65.97%
Institutions
20.11%
Public Float
59.10%

Analyst View

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