L&T Finance Ltd (IN:LTF)
:LTF
LTF Stock Chart & Stats
₹266.40
₹4.04(2.90%)
At close: 4:00 PM EST
₹266.40
₹4.04(2.90%)
Day’s Range― - ―
52-Week Range₹142.50 - ₹329.40
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹630.48B
Enterprise Value₹1.53T
Total Cash (Recent Filing)₹80.81B
Total Debt (Recent Filing)₹979.70B
Price to Earnings (P/E)26.8
Beta1.73
Next Earnings
Apr 24, 2026EPS Estimate
3.22Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)3.00
Shares Outstanding2,504,386,000
10 Day Avg. Volume316,895
30 Day Avg. Volume257,629
Financial Highlights & Ratios
PEG Ratio1.05
Price to Book (P/B)1.47
Price to Sales (P/S)2.40
P/FCF Ratio-2.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹325.00Price Target Upside22.00% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)12.03
Revenue Forecast (FY)₹112.59B
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthL&T Finance reported a 27.29% revenue increase, reflecting durable loan book expansion and rising origination volumes. Sustained top-line growth supports scale economies, improves ability to invest in underwriting and distribution, and underpins medium-term earnings resilience.
Healthy Lending MarginsHigh gross margin (61.72%) and a solid net margin (16.88%) indicate the business generates meaningful spread and fee income relative to costs. Durable margins provide buffer for credit losses and fund reinvestment into distribution and technology, supporting sustainable profitability.
Diversified Products & ChannelsA multi-segment lending mix (rural, housing, consumer, selective wholesale) plus both branch-led and digital distribution reduces concentration risk. This structural diversification supports steadier originations across cycles and improves customer reach and cross-sell over the medium term.
Bears Say
High LeverageA debt-to-equity ratio of 3.61 indicates significant reliance on borrowed funds. High leverage raises sensitivity to interest rate rises and funding stress, restricts financial flexibility for growth or losses, and increases refinancing and regulatory capital risks for an NBFC.
Weak Cash ConversionNegative operating and free cash flows despite accounting profits show earnings are not converting to cash. This weak cash generation can force dependence on external funding, strain liquidity for loan disbursements or debt servicing, and limit financial resilience over months.
Operating Margin PressureFalling EBIT and EBITDA margins point to rising operating costs or compressing spreads. If sustained, margin erosion reduces the company’s cushion against credit shocks, limits capacity to reinvest in technology and distribution, and may weaken long-term profitability.
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 ₹142.50 and its highest was ₹329.40 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹630.48B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Apr 24, 2026 which is in 26 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Jan 16, 2026. The company reported ₹3 earnings per share for the quarter, missing the consensus estimate of ₹3.113 by -₹0.113.
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 3.22.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,504,386,000 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 in its last earnings report, missing expectations of ₹3.113. Following the earnings report the stock price went up 0.186%.
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, a non-banking financial company, engages in the provision of various financial products and services in India. It operates through Retail Finance, Wholesale Finance, Defocused Business, and Others segments. The Retail Finance segment provides farmer finance services, that includes farm equipment finance and agri allied finance; rural business finance services, such as micro finance loans and rural business loans; urban finance services, that includes two-wheeler finance, consumer loans, retail housing loans, and loans against property; SME loans; and retail portfolio acquisition services. The Wholesale Finance segment offers real estate finance and infrastructure finance services. The Defocused Business segment provides structured corporate loans and debt capital market services. The Others segment offers asset management services, etc. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
LTF Stock 12 Month Forecast
Average Price Target
₹325.00
▲(22.00% Upside)
Technical Analysis
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