Lakshmi Finance & Industrial Corp. Ltd. (LFIC) AI Stock Analysis

• Market Cap: ₹197.25M
• Dividend Yield: 1.7%
• Average Volume (3M): N/A
• Price to Earnings (P/E): ―
• Beta (1Y): N/A
• Revenue Growth: -93.62%
• EPS Growth: -115.49%
• Country: IN
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): -4.12
• Shares Outstanding: 3,000,000
• 10 Day Avg. Volume: N/A
• 30 Day Avg. Volume: N/A
• PEG Ratio: -0.22
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 7.18
• P/FCF Ratio: -15.57
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ―

The score is primarily driven by mixed financial performance: a conservatively positioned, low-leverage balance sheet is offset by inconsistent earnings trends and weak cash conversion (negative operating/free cash flow in recent years). Limited technical and valuation inputs (missing indicators and P/E) reduce conviction, with the dividend yield providing only modest support.

Positive Factors

Low Leverage

A low-leverage balance sheet enhances financial stability and reduces risk, providing the company with flexibility to navigate economic uncertainties.

Regulatory Compliance

Adherence to regulatory standards builds trust with stakeholders and ensures operational transparency, supporting long-term business sustainability.

Strong Net Margin

A strong net margin indicates efficient cost management and pricing power, contributing to the company's ability to generate profits over time.

Negative Factors

Negative Cash Flow

Consistent negative cash flow can strain liquidity and limit the company's ability to invest in growth opportunities, posing a risk to long-term financial health.

Revenue Decline

A declining revenue trend can indicate weakening market position or competitive pressures, challenging the company's ability to sustain growth.

Earnings Volatility

Volatile earnings make it difficult to predict future performance, which can undermine investor confidence and impact strategic planning.

Lakshmi Finance & Industrial Corp. Ltd. Business Overview & Revenue Model

Company Description

Lakshmi Finance & Industrial Corporation Limited, a non-banking finance company, invests in equity shares and mutual funds in India. The company was formerly known as The Andhra Bank Ltd. and changed its name to Lakshmi Finance & Industrial Corporation Limited in April 1980. Lakshmi Finance & Industrial Corporation Limited was incorporated in 1923 and is based in Hyderabad, India.

How the Company Makes Money

LFIC generates revenue primarily through interest income on loans provided to individuals and businesses, which represents a significant portion of its earnings. The company also earns fees from investment management services and advisory roles, as well as from processing loans and other financial services. Additionally, LFIC benefits from its investments in industrial projects, which can yield returns through dividends or capital appreciation. Strategic partnerships with other financial institutions and industrial firms further enhance its ability to tap into new revenue streams and expand its market reach.

Lakshmi Finance & Industrial Corp. Ltd. Financial Statement Overview

Summary

Lakshmi Finance & Industrial Corp. Ltd. demonstrates strong profitability and a solid balance sheet with low leverage. However, declining revenue and negative cash flows pose challenges that need to be addressed to ensure long-term financial health.

Income Statement

The company has shown strong gross and net profit margins in recent years, indicating efficient cost management and profitability. However, the revenue growth rate has been negative in the latest period, suggesting a decline in sales. The EBIT and EBITDA margins have also decreased, reflecting potential operational challenges.

Balance Sheet

The balance sheet is strong with a low debt-to-equity ratio, indicating minimal leverage and financial risk. The return on equity has decreased, but the equity ratio remains healthy, suggesting a stable financial position.

Cash Flow

The cash flow statement reveals negative operating and free cash flows, which could be a concern for liquidity. The free cash flow to net income ratio is above 1, indicating that the company is generating cash relative to its net income, but the negative growth in free cash flow is a potential risk.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	71.36M	71.65M	84.09M	29.43M	48.01M	62.39M
Gross Profit	52.97M	52.73M	72.04M	18.84M	38.74M	54.14M
EBITDA	14.26M	26.78M	129.94M	3.46M	64.39M	141.35M
Net Income	25.52M	35.80M	103.77M	5.50M	57.07M	91.54M
Balance Sheet
Total Assets	0.00	614.32M	597.21M	489.39M	497.64M	446.41M
Cash, Cash Equivalents and Short-Term Investments	43.33M	37.60M	57.88M	20.14M	79.38M	38.84M
Total Debt	0.00	3.00M	0.00	1.37M	2.63M	0.00
Total Liabilities	-588.50M	25.82M	32.07M	22.58M	27.17M	24.07M
Stockholders Equity	588.50M	588.50M	565.14M	466.81M	470.48M	422.34M
Cash Flow
Free Cash Flow	0.00	-33.03M	-34.48M	12.37M	-2.00M	-29.66M
Operating Cash Flow	0.00	-32.90M	-32.69M	12.39M	-1.93M	-29.59M
Investing Cash Flow	0.00	21.63M	76.33M	-42.65M	58.10M	26.29M
Financing Cash Flow	0.00	-14.02M	-8.63M	-11.24M	-10.58M	-7.13M

Lakshmi Finance & Industrial Corp. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LFIC	55 Neutral	₹197.25M	―	―	1.70%	-93.62%	-115.49%
TCIFINANCE	54 Neutral	₹443.71M	12.03	―	―	797.65%	―
VIJIFIN	49 Neutral	₹485.93M	294.55	―	―	39.46%	―
ONELIFECAP	48 Neutral	₹214.56M	-5.26	―	―	-62.38%	21.41%
GLFL	44 Neutral	₹227.59M	390.23	―	―	―	―
DCMFINSERV	40 Underperform	₹110.63M	-6.58	―	―	-70.89%	-142.26%

Lakshmi Finance & Industrial Corp. Ltd. Corporate Events

Lakshmi Finance Reports Q2 2025 Financial Results with Net Loss

Lakshmi Finance & Industrial Corporation Limited announced its unaudited financial results for the quarter and half-year ending September 30, 2025, showing a net loss of INR 123.59 lakhs for the period. The company’s revenue from operations increased compared to the previous year, but the financial results reflected a loss due to significant net losses on fair value changes. The trading window for the company’s securities, which was closed from October 1, 2025, will reopen on November 15, 2025, allowing designated persons to resume trading.

Lakshmi Finance Reports Q2 2025 Financial Results

Lakshmi Finance & Industrial Corporation Ltd. announced the approval of its unaudited financial results for the quarter and half-year ending September 30, 2025, during a board meeting on November 13, 2025. The company reported a net loss for the period, with a notable decrease in profit compared to the previous year. The trading window for securities will reopen on November 15, 2025, following its closure on October 1, 2025. This announcement may impact stakeholders’ perception of the company’s financial health and market positioning.

Lakshmi Finance & Industrial Corporation Ensures Compliance with SEBI Regulations

Lakshmi Finance & Industrial Corporation Limited has announced that for the quarter ending September 30, 2025, they have complied with the SEBI (Depositories and Participants) Regulations, 2018. The company confirmed that securities received for dematerialization have been properly processed, mutilated, and cancelled, with updates made to the depositories’ records. This compliance ensures that the company’s securities are accurately reflected in the records of National Securities Depository Limited (NSDL) and Central Depository Services (India) Limited (CDSL), maintaining transparency and trust with stakeholders.

Lakshmi Finance Reports No Activity in Share Transfer Requests

Lakshmi Finance & Industrial Corporation Limited has announced the receipt of requests for the re-lodgement of transfer requests of physical shares, as per a SEBI circular issued on July 2, 2025. The company reported that no requests were received, processed, approved, or rejected during the month, indicating no immediate impact on its operations or stakeholder interests.