Lakshmi Finance & Industrial Corp. Ltd. (IN:LFIC)
:LFIC
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Lakshmi Finance & Industrial Corp. Ltd.
(LFIC)
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Rating:55Neutral
Price Target:―
Action:ReiteratedDate:12/30/25
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.
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.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Leverage
A low-leverage balance sheet enhances financial stability and reduces risk, providing the company with flexibility to navigate economic uncertainties.
Read all positive factors
Lakshmi Finance & Industrial Corp. Ltd. (LFIC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹197.25M
Dividend Yield1.7%
Average Volume (3M)N/A
Price to Earnings (P/E)9.6
Beta (1Y)N/A
Revenue Growth-93.62%
EPS Growth-115.49%
CountryIN
Employees9
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)4.47
Shares Outstanding3,000,000
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 ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 Corpor...
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, a...
Lakshmi Finance & Industrial Corp. Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
86
Very Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 38.84M | 71.65M | 84.09M | 29.43M | 48.01M | 62.39M |
| Gross Profit | 23.36M | 52.73M | 72.04M | 18.84M | 38.74M | 54.14M |
| EBITDA | -45.04M | 26.78M | 129.94M | 3.46M | 64.39M | 141.35M |
| Net Income | -21.47M | 35.80M | 103.77M | 5.50M | 57.07M | 91.54M |
Balance Sheet | ||||||
| Total Assets | 638.02M | 614.32M | 597.21M | 489.39M | 497.64M | 446.41M |
| Cash, Cash Equivalents and Short-Term Investments | 65.15M | 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 | 33.44M | 25.82M | 32.07M | 22.58M | 27.17M | 24.07M |
| Stockholders Equity | 604.59M | 588.50M | 565.14M | 466.81M | 470.48M | 422.34M |
Cash Flow | ||||||
| Free Cash Flow | -32.49M | -33.03M | -34.48M | 12.37M | -2.00M | -29.66M |
| Operating Cash Flow | -32.44M | -32.90M | -32.69M | 12.39M | -1.93M | -29.59M |
| Investing Cash Flow | 41.05M | 21.63M | 76.33M | -42.65M | 58.10M | 26.29M |
| Financing Cash Flow | -828.00K | -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% | |
55 Neutral | ₹197.25M | 9.57 | ― | 1.70% | -93.62% | -115.49% | |
50 Neutral | ₹381.90M | 9.83 | ― | ― | 39.46% | ― | |
48 Neutral | ₹121.02M | -11.08 | ― | ― | -70.89% | -142.26% | |
48 Neutral | ₹560.40M | -3.17 | ― | ― | -62.38% | 21.41% | |
41 Neutral | ₹144.31M | 138.56 | ― | ― | ― | ― | |
41 Neutral | ₹168.76M | -8.05 | ― | ― | 797.65% | ― |
* Financial Sector Average
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
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Lakshmi Finance & Industrial Corp. Ltd. Corporate Events
Lakshmi Finance Reports Q2 2025 Financial Results with Net Loss
Nov 13, 2025
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 i...
Lakshmi Finance Reports Q2 2025 Financial Results
Nov 13, 2025
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 pe...
Lakshmi Finance & Industrial Corporation Ensures Compliance with SEBI Regulations
Oct 14, 2025
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 de...
Lakshmi Finance Reports No Activity in Share Transfer Requests
Oct 14, 2025
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,...
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.