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LTF Stock Chart & Stats
₹287.35
₹4.04(2.90%)
At close: 4:00 PM EST
₹287.35
₹4.04(2.90%)
Day’s Range― - ―
52-Week Range₹194.40 - ₹338.50
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹804.94B
Enterprise Value₹1.76T
Total Cash (Recent Filing)₹79.59B
Total Debt (Recent Filing)₹1.10T
Price to Earnings (P/E)25.3
Beta1.82
Next Earnings
Oct 21, 2026EPS Estimate
3.39Next Dividend Ex-DateN/A
Dividend Yield0.91%
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
₹320.00Price Target Upside11.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)15.19
Revenue Forecast (FY)₹136.13B
Bulls Say, Bears Say
Bulls Say
Sustained Revenue Growth And Improving ProfitabilityConsistent top-line growth with a material profitability turnaround versus 2023 indicates lasting improvements in underwriting, pricing and cost control. Over the medium term this supports repeatable cash generation, stronger internal capital formation and greater capacity to absorb credit cost shocks while funding growth.
Healthy Margins And Rising ROERobust operating and net margins along with improving ROE reflect more efficient use of capital and better pricing/credit outcomes. Durable margins provide a buffer against cyclical credit losses and support reinvestment or reserve building, improving the firm's ability to finance growth from internally generated profits.
Diversified Retail Lending And Multi-channel DistributionA retail-focused, multi-product lending model with branches, partners and digital origination spreads credit exposure across many small accounts and channels. This granularity and distribution mix increases resilience to single-segment shocks, enables scalable origination, and supports steady volume growth with more predictable unit economics.
Bears Say
Elevated And Rising LeverageA sustained high debt-to-equity ratio limits balance-sheet flexibility and makes the company sensitive to funding cost increases or market dislocations. For an NBFC reliant on wholesale markets, elevated leverage raises refinancing, interest‑rate and solvency risks, constraining strategic moves during stress.
Volatile Operating And Free Cash FlowSharp swings in operating and free cash flow reduce predictability for debt servicing, provisioning and capital allocation. Inconsistent cash conversion complicates refinancing plans and reserve management, increasing liquidity risk and making it harder to rely on internal cash for growth or buffer capital during downturns.
Earnings Sensitivity To Credit CyclePast episodes where operating profit swung negative despite reported net income show earnings are materially affected by credit-cost cycles. Such structural sensitivity means provisioning and profitability can change rapidly in downturns, increasing capital pressure and planning uncertainty for medium‑term investors.
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 ₹804.94B.
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 99 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 0.91%. 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 3.39.
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
₹320.00
▲(11.36% Upside)
Technical Analysis
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