L&T Finance Ltd (IN:LTF)
:LTF
Want to see IN:LTF full AI Analyst Report?
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₹156.20 - ₹329.40
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹703.82B
Enterprise Value₹1.63T
Total Cash (Recent Filing)₹80.81B
Total Debt (Recent Filing)₹979.70B
Price to Earnings (P/E)26.8
Beta1.81
Next Earnings
Apr 24, 2026EPS Estimate
3.19Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)3.00
Shares Outstanding2,504,699,000
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
₹302.50Price Target Upside5.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)15.21
Revenue Forecast (FY)₹135.00B
Bulls Say, Bears Say
Bulls Say
Revenue Growth & MarginsSustained 27.29% revenue growth with a 61.72% gross margin signals scalable lending operations and pricing power. Over 2–6 months this structural revenue momentum and high gross margin provide a durable buffer to absorb credit costs and fund reinvestment.
Diversified Lending MixExposure to housing, rural and consumer lending creates a diversified loan book across secured and retail segments. This structural mix reduces reliance on any single cycle, tapping steady housing and rural credit demand that supports loan growth and stability over months.
Distribution ScaleA combined branch-led and digital distribution model provides durable customer reach and deposit/loan origination flexibility. This omnichannel capability supports cost-efficient scaling of originations and cross-sell, sustaining growth and market penetration over the medium term.
Bears Say
High LeverageA debt/equity ratio of 3.61 reflects significant leverage, raising structural susceptibility to rising interest rates or funding stress. High gearing reduces financial flexibility, increases interest burden, and magnifies earnings volatility if loan performance weakens.
Weak Cash GenerationNegative operating and free cash flows signal that reported profits are not fully converting to cash. Persistently weak cash generation can constrain loan growth funding, raise reliance on wholesale borrowing, and impair capacity to service debt or invest without raising costly external funds.
Compressing Operating MarginsDeclining EBIT/EBITDA margins point to rising operating costs or lower operating leverage. If margins remain under pressure, profitability sensitivity to credit or funding shocks increases, limiting retained earnings for capital needs and weakening long-term return resilience.
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 ₹156.20 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 ₹703.82B.
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 3 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 3.19.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,504,699,000 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
₹302.50
▲(5.27% Upside)
Technical Analysis
IDBI Bank Limited
―
Indian Overseas Bank
―
LIC Housing Finance Ltd
―
Mahindra & Mahindra Financial Services Ltd.
―
Manappuram Finance Limited
―