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LTF Stock Chart & Stats
₹287.35
₹4.04(2.90%)
At close: 4:00 PM EST
₹287.35
₹4.04(2.90%)
Day’s Range― - ―
52-Week Range₹194.40 - ₹338.50
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹776.75B
Enterprise Value₹1.63M
Total Cash (Recent Filing)₹79.59B
Total Debt (Recent Filing)₹1.10T
Price to Earnings (P/E)24.4
Beta1.82
Next Earnings
Oct 21, 2026EPS Estimate
3.62Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)11.92
Shares Outstanding2,505,660,200
10 Day Avg. Volume316,895
30 Day Avg. Volume257,629
Financial Highlights & Ratios
PEG Ratio1.63
Price to Book (P/B)2.15
Price to Sales (P/S)3.46
P/FCF Ratio5.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹340.00Price Target Upside18.32% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)15.56
Revenue Forecast (FY)₹137.33B
Bulls Say, Bears Say
Bulls Say
Retail-focused, Diversified Lending FranchiseL&T Finance’s core business is retail-focused lending across multiple product lines and channels. That product and distribution diversity (branches, channel partners, digital origination) supports persistently broad loan sourcing, lowers concentration risk, and enables cross-sell and scale benefits that remain relevant over months.
Steady Revenue Growth And Expanding MarginsReported revenue growth and materially improved operating and net margins indicate better pricing, underwriting and cost control versus prior years. Sustained margin expansion suggests the company can convert loan book growth into durable profitability if asset quality remains stable over the medium term.
Improved Cash Generation And Higher ROEA large positive cash flow reversal in 2026 and improved ROE show the business can generate meaningful internal cash and is using capital more effectively. Strong near-term cash conversion, if sustained, supports servicing debt, funding growth and absorbing cyclical stresses without immediate external equity needs.
Bears Say
Elevated Leverage ProfileL&T Finance’s high debt-to-equity materially limits financial flexibility. Elevated leverage increases sensitivity to rising funding costs and reduces the buffer for credit losses or shocks, constraining free capital for growth and making the company more vulnerable to refinancing or liquidity stress over the medium term.
Volatile Operating And Free Cash FlowWide swings in operating and free cash flow undermine predictability of internally generated funds. This volatility complicates liquidity planning and provisioning, may force reactive funding in weak periods, and raises the probability that capital allocation or growth initiatives will be disrupted by cash flow variability.
Dependence On External Funding MarketsAs an NBFC, the firm relies heavily on wholesale funding channels. Market access and funding cost fluctuations can quickly compress spreads or limit new lending. Combined with high leverage, this structural dependence increases refinancing and margin risk across a multi-month horizon if market conditions tighten.
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 ₹194.40 and its highest was ₹338.50 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹776.75B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Oct 21, 2026 which is in 93 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Jul 10, 2026. The company reported ₹3.6 earnings per share for the quarter, beating the consensus estimate of ₹3.467 by ₹0.133.
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 3.62.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,505,660,200 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 ₹3.6 in its last earnings report, beating expectations of ₹3.467. Following the earnings report the stock price went up 0.062%.
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, an Indian non-banking financial company (NBFC), provides a comprehensive suite of financial products and services throughout the country. Its business operations are strategically divided into four primary segments: Retail Finance, Wholesale Finance, Defocused Business, and an 'Others' category. The Retail Finance division caters to a diverse clientele, offering services such as farmer finance (including equipment and agri-allied financing), rural business finance (like microfinance and broader rural business loans), urban finance (which covers two-wheeler, consumer, retail housing, and loans against property), financing for Small and Medium Enterprises (SMEs), and the acquisition of retail portfolios. The Wholesale Finance segment, on the other hand, specializes in providing funding for real estate and infrastructure projects. Furthermore, the Defocused Business segment deals with structured corporate loans and services related to debt capital markets. The 'Others' segment mainly encompasses asset management services. Originally incorporated in 1994 and headquartered in Mumbai, India, the company was formerly known as L&T Finance Holdings Limited until it adopted its current name, L&T Finance Limited, in March 2024. It operates as a subsidiary of Larsen & Toubro Limited.
LTF Stock 12 Month Forecast
Average Price Target
₹340.00
▲(18.32% Upside)
Technical Analysis
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