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LTF Stock Chart & Stats
₹302.40
₹9.85(3.26%)
At close: 4:00 PM EDT
₹302.40
₹9.85(3.26%)
Day’s Range― - ―
52-Week Range₹194.40 - ₹338.50
Previous CloseN/A
Volume5.92M
Average Volume (3M)257.63K
Market Cap
₹779.89B
Enterprise Value₹1.63M
Total Cash (Recent Filing)₹79.59B
Total Debt (Recent Filing)₹1.10T
Price to Earnings (P/E)24.5
Beta1.79
Next Earnings
Oct 21, 2026EPS Estimate
3.62Next Dividend Ex-DateN/A
Dividend Yield0.88%
Share Statistics
EPS (TTM)11.92
Shares Outstanding2,505,660,200
10 Day Avg. Volume316,895
30 Day Avg. Volume257,629
Financial Highlights & Ratios
PEG Ratio1.63
Price to Book (P/B)2.15
Price to Sales (P/S)3.46
P/FCF Ratio5.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹340.00Price Target Upside12.43% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)15.6
Revenue Forecast (FY)₹138.33B
Bulls Say, Bears Say
Bulls Say
Revenue Growth & Improving ProfitabilityConsistent revenue growth across 2024–2026 indicates expansion of the loan book and product mix in retail, rural and housing segments. Over a 2–6 month horizon, steady top-line growth supports recurring interest income, scale economics and more predictable core earnings.
Sustained Margin ImprovementMaterial improvement in operating and net margins reflects better pricing, cost control and credit performance. Durable margins enhance the firm’s ability to convert lending yields into retained profits and buffer the business against moderate increases in funding costs or incremental credit provisions.
Improved Return On EquityROE rising to ~10.7% signals more effective capital deployment and improved earnings quality. Over the medium term this supports reinvestment in distribution and digital channels, reduces need for immediate equity issuance and increases capacity to generate shareholder value from existing capital.
Bears Say
High LeverageA consistently elevated debt-to-equity ratio constrains financial flexibility and raises sensitivity to rising funding costs. High leverage increases refinancing and liquidity risk, making the company more vulnerable to rate shocks or funding dislocations, which can force tighter lending or higher funding spreads.
Volatile Cash GenerationLarge year-to-year swings in operating and free cash flow reduce predictability of internal funding for loan growth and provisioning. Such volatility heightens refinancing risk, complicates liquidity planning and weakens confidence that strong cash results are sustainable without external funding.
Earnings Sensitivity To Credit CycleThe prior operating loss demonstrates susceptibility to credit cost swings and cyclical provisions. This structural sensitivity means profitability can reverse quickly if asset quality deteriorates, limiting the durability of recent margin and earnings improvements.
L&T Finance Ltd News
LTF FAQ
What was L&T Finance Ltd’s price range in the past 12 months?
L&T Finance Ltd lowest stock price was ₹194.40 and its highest was ₹338.50 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹779.89B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Oct 21, 2026 which is in 77 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Jul 10, 2026. The company reported ₹3.6 earnings per share for the quarter, beating the consensus estimate of ₹3.467 by ₹0.133.
Is L&T Finance Ltd overvalued?
According to Wall Street analysts L&T Finance Ltd’s price is currently Undervalued.
Does L&T Finance Ltd pay dividends?
L&T Finance Ltd pays a Annually dividend of ₹2.75 which represents an annual dividend yield of 0.88%. See more information on L&T Finance Ltd dividends here
What is L&T Finance Ltd’s EPS estimate?
L&T Finance Ltd’s EPS estimate is 3.62.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,505,660,200 shares outstanding.
What happened to L&T Finance Ltd’s price movement after its last earnings report?
L&T Finance Ltd reported an EPS of ₹3.6 in its last earnings report, beating expectations of ₹3.467. Following the earnings report the stock price went up 0.062%.
Which hedge fund is a major shareholder of L&T Finance Ltd?
Currently, no hedge funds are holding shares in IN:LTF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
L&T Finance Ltd
L&T Finance Limited, an Indian non-banking financial company (NBFC), provides a comprehensive suite of financial products and services throughout the country. Its business operations are strategically divided into four primary segments: Retail Finance, Wholesale Finance, Defocused Business, and an 'Others' category. The Retail Finance division caters to a diverse clientele, offering services such as farmer finance (including equipment and agri-allied financing), rural business finance (like microfinance and broader rural business loans), urban finance (which covers two-wheeler, consumer, retail housing, and loans against property), financing for Small and Medium Enterprises (SMEs), and the acquisition of retail portfolios. The Wholesale Finance segment, on the other hand, specializes in providing funding for real estate and infrastructure projects. Furthermore, the Defocused Business segment deals with structured corporate loans and services related to debt capital markets. The 'Others' segment mainly encompasses asset management services. Originally incorporated in 1994 and headquartered in Mumbai, India, the company was formerly known as L&T Finance Holdings Limited until it adopted its current name, L&T Finance Limited, in March 2024. It operates as a subsidiary of Larsen & Toubro Limited.
LTF Stock 12 Month Forecast
Average Price Target
₹340.00
▲(12.43% Upside)
Technical Analysis
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