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

• Market Cap: N/A
• Dividend Yield: 1.49%
• Average Volume (3M): N/A
• Price to Earnings (P/E): ―
• Beta (1Y): N/A
• Revenue Growth: -73.96%
• EPS Growth: -79.57%
• Country: IN
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 12.48
• Shares Outstanding: N/A
• 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: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 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: 62 Neutral
• 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. 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	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

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	62 Neutral	―	―	―	1.49%	-73.96%	-79.57%
TCIFINANCE	49 Neutral	₹156.14M	4.46	―	―	797.65%	―
ONELIFECAP	47 Neutral	₹225.12M	-5.21	―	―	-62.38%	15.35%
VIJIFIN	41 Neutral	₹421.80M	222.56	―	―	39.46%	―
DCMFINSERV	40 Neutral	₹120.36M	-8.73	―	―	-50.53%	-41.40%

Lakshmi Finance & Industrial Corp. Ltd. Corporate Events

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.

Lakshmi Finance & Industrial Corporation’s 101st AGM Resolutions Passed

Lakshmi Finance & Industrial Corporation Limited conducted its 101st Annual General Meeting (AGM), where the scrutinizer’s report was presented. The company is involved in financial services and industrial operations, focusing on providing financial solutions and investments. The AGM included a voting process for various resolutions, which were conducted through e-voting and polling. The scrutinizer, M/s. N. Madhavi & Associates, ensured the voting process was fair and transparent. All resolutions were passed with the requisite majority, indicating strong shareholder support for the company’s strategic decisions.

Lakshmi Finance & Industrial Corp. Ltd. Announces 101st AGM and Dividend

Lakshmi Finance & Industrial Corporation Limited has announced its 101st Annual General Meeting (AGM) to be held on September 27, 2025, at Hotel The Plaza in Hyderabad. The company has declared a dividend of Rs. 3.00 per share for the financial year 2024-25, with the Register of Members and Share Transfer Books closed from September 20 to September 27, 2025, for AGM and dividend entitlement purposes.