L&T Finance Ltd (IN:LTF)
:LTF
LTF Stock Chart & Stats
₹266.40
₹4.04(2.90%)
At close: 4:00 PM EST
₹266.40
₹4.04(2.90%)
Day’s Range― - ―
52-Week Range₹142.50 - ₹329.40
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹630.48B
Enterprise Value₹1.53T
Total Cash (Recent Filing)₹80.81B
Total Debt (Recent Filing)₹979.70B
Price to Earnings (P/E)26.8
Beta1.73
Next Earnings
Apr 24, 2026EPS Estimate
3.22Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)3.00
Shares Outstanding2,504,386,000
10 Day Avg. Volume316,895
30 Day Avg. Volume257,629
Financial Highlights & Ratios
PEG Ratio1.05
Price to Book (P/B)1.47
Price to Sales (P/S)2.40
P/FCF Ratio-2.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹325.00Price Target Upside22.00% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)12.03
Revenue Forecast (FY)₹112.59B
Bulls Say, Bears Say
Bulls Say
Diversified Lending Franchise And DistributionL&T Finance's broad product mix and dual branch-led plus digital distribution create durable origination channels. This diversification reduces reliance on a single segment, supports steady loan flow across cycles, and helps sustain net interest income and fee revenue over 2-6 months.
Strong Revenue Growth And Healthy MarginsSustained revenue growth with high gross and solid net margins indicates profitable core lending operations. These margins provide a durable earnings buffer to cover credit costs and invest in growth initiatives, supporting medium-term cash generation if asset quality remains stable.
Reasonable Return On EquityA ROE of ~10% suggests management is generating acceptable returns on shareholder capital for a lending business. Combined with strong gross margins, this supports the company's ability to reinvest, maintain credit capacity, and deliver shareholder value over the coming quarters.
Bears Say
High LeverageA D/E of 3.61 denotes significant reliance on borrowed funds, raising sensitivity to rising interest rates and refinancing cycles. High leverage limits balance sheet flexibility, increases funding costs risk, and magnifies earnings volatility if credit costs or rates move unfavorably.
Negative Operating And Free Cash FlowsPersistent negative operating and free cash flows mean reported profits are not translating into cash. This forces dependence on external funding, heightens liquidity risk, and can constrain organic loan growth or capital buffers, particularly problematic given high leverage.
Compression In Operating MarginsDeclining EBIT/EBITDA margins point to rising operating costs or weakening efficiency. Margin compression reduces the cushion to absorb credit losses or higher funding costs, undermining sustainable profitability and making earnings more sensitive to adverse shocks.
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 ₹142.50 and its highest was ₹329.40 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹630.48B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Apr 24, 2026 which is in 27 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Jan 16, 2026. The company reported ₹3 earnings per share for the quarter, missing the consensus estimate of ₹3.113 by -₹0.113.
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 3.22.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,504,386,000 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 in its last earnings report, missing expectations of ₹3.113. Following the earnings report the stock price went up 0.186%.
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, a non-banking financial company, engages in the provision of various financial products and services in India. It operates through Retail Finance, Wholesale Finance, Defocused Business, and Others segments. The Retail Finance segment provides farmer finance services, that includes farm equipment finance and agri allied finance; rural business finance services, such as micro finance loans and rural business loans; urban finance services, that includes two-wheeler finance, consumer loans, retail housing loans, and loans against property; SME loans; and retail portfolio acquisition services. The Wholesale Finance segment offers real estate finance and infrastructure finance services. The Defocused Business segment provides structured corporate loans and debt capital market services. The Others segment offers asset management services, etc. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
LTF Stock 12 Month Forecast
Average Price Target
₹325.00
▲(22.00% Upside)
Technical Analysis
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