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Lakshmi Finance & Industrial Corp. Ltd. (IN:LFIC)
:LFIC
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Lakshmi Finance & Industrial Corp. Ltd.
(LFIC)
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Rating:62Neutral
Price Target:―
The overall stock score of 62 reflects strong financial performance with profitability and a solid balance sheet, but is tempered by declining revenue and negative cash flows. The valuation suggests moderate pricing, with a reasonable P/E ratio and a modest dividend yield.
Lakshmi Finance & Industrial Corp. Ltd. (LFIC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹197.25M
Dividend Yield1.44%
Average Volume (3M)N/A
Price to Earnings (P/E)―
Beta (1Y)N/A
Revenue Growth-73.96%
EPS Growth-79.57%
CountryIN
Employees9
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)12.48
Shares OutstandingN/A
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
Lakshmi Finance & Industrial Corp. Ltd. Business Overview & Revenue Model
Company DescriptionLakshmi 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 MoneyLFIC 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.65
Positive
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.75
Positive
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.50
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.36M | 71.65M | 148.76M | 20.80M | 48.01M | 154.81M |
| Gross Profit | 52.97M | 52.73M | 148.43M | 35.58M | 38.74M | 150.17M |
| EBITDA | 14.26M | 26.78M | 129.94M | 18.44M | 64.39M | 141.34M |
| Net Income | 25.52M | 35.80M | 103.77M | 5.50M | 57.07M | 91.53M |
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 | 43.33M | 57.88M | 20.14M | 79.38M | 38.84M |
| Total Debt | 0.00 | 3.00M | 1.06M | 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹197.25M | ― | ― | 1.44% | -73.96% | -79.57% | |
49 Neutral | ₹150.61M | 4.10 | ― | ― | 479.93% | ― | |
46 Neutral | ₹158.45M | ― | ― | ― | -43.42% | -538.40% | |
45 Neutral | ₹447.45M | 31,400.00 | ― | ― | 51.61% | ― | |
42 Neutral | ₹117.48M | ― | ― | ― | -50.53% | -41.40% |
* Financial Sector Average
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.