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L&T Finance Ltd (IN:LTF)
:LTF
India Market
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L&T Finance Ltd (LTF) Ratios

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L&T Finance Ltd Ratios

IN:LTF's free cash flow for Q4 2025 was ₹0.98. For the 2025 fiscal year, IN:LTF's free cash flow was decreased by ₹ and operating cash flow was ₹-0.02. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 3.26 4.09 11.25 14.31
Quick Ratio
0.00 3.26 4.09 11.25 14.31
Cash Ratio
0.00 2.99 2.99 11.04 14.07
Solvency Ratio
0.03 0.03 0.03 0.02 0.01
Operating Cash Flow Ratio
0.00 0.56 0.55 8.33 14.05
Short-Term Operating Cash Flow Coverage
0.00 0.02 0.02 0.00 0.00
Net Current Asset Value
₹ -839.45B₹ -752.12B₹ -741.91B₹ -756.69B₹ -805.86B
Leverage Ratios
Debt-to-Assets Ratio
0.77 0.75 0.75 0.78 0.79
Debt-to-Equity Ratio
3.61 3.27 3.27 3.86 4.25
Debt-to-Capital Ratio
0.78 0.77 0.77 0.79 0.81
Long-Term Debt-to-Capital Ratio
0.61 0.58 0.58 0.69 0.72
Financial Leverage Ratio
4.71 4.38 4.38 4.94 5.36
Debt Service Coverage Ratio
0.03 0.14 0.14 -0.03 -0.06
Interest Coverage Ratio
0.85 1.00 1.00 0.31 0.25
Debt to Market Cap
1.69 1.89 1.89 2.39 2.52
Interest Debt Per Share
395.40 330.03 329.99 358.93 366.43
Net Debt to EBITDA
32.52 9.74 9.74 0.00 0.00
Profitability Margins
Gross Profit Margin
64.34%99.95%97.77%100.00%100.00%
EBIT Margin
16.13%100.29%100.29%-1.70%-1.78%
EBITDA Margin
17.17%101.84%101.84%0.00%0.00%
Operating Profit Margin
36.39%73.42%73.42%27.53%25.83%
Pretax Profit Margin
24.05%41.18%41.18%-8.53%21.87%
Net Profit Margin
18.21%31.54%31.54%24.89%19.14%
Continuous Operations Profit Margin
18.20%31.50%31.50%-11.18%15.19%
Net Income Per EBT
75.71%76.60%76.60%-291.68%87.51%
EBT Per EBIT
66.08%56.09%56.09%-30.99%84.70%
Return on Assets (ROA)
2.21%2.26%2.26%1.53%1.00%
Return on Equity (ROE)
10.89%9.90%9.90%7.54%5.36%
Return on Capital Employed (ROCE)
4.41%5.32%5.32%1.70%1.36%
Return on Invested Capital (ROIC)
2.43%2.62%2.60%10.07%5.54%
Return on Tangible Assets
2.21%2.26%2.26%1.53%1.00%
Earnings Yield
5.26%5.74%5.74%7.99%5.37%
Efficiency Ratios
Receivables Turnover
119.23 29.36 22.77 37.99 55.47
Payables Turnover
3.47 0.13 0.13 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
28.43 17.95 17.81 16.03 99.56
Asset Turnover
0.12 0.07 0.07 0.06 0.05
Working Capital Turnover Ratio
2.70 1.33 1.22 0.93 0.87
Cash Conversion Cycle
-102.16 -2.71K -2.70K 9.61 6.58
Days of Sales Outstanding
3.06 12.43 16.03 9.61 6.58
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
105.22 2.72K 2.72K 0.00 0.00
Operating Cycle
3.06 12.43 16.03 9.61 6.58
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 2.76 2.71 27.12 24.58
Free Cash Flow Per Share
0.00 2.28 2.23 26.61 24.27
CapEx Per Share
0.00 0.48 0.48 0.52 0.31
Free Cash Flow to Operating Cash Flow
0.00 0.83 0.82 0.98 0.99
Dividend Paid and CapEx Coverage Ratio
0.00 1.11 1.09 26.69 78.38
Capital Expenditure Coverage Ratio
0.00 5.77 5.67 52.52 78.38
Operating Cash Flow Coverage Ratio
0.00 <0.01 <0.01 0.08 0.07
Operating Cash Flow to Sales Ratio
0.00 0.09 0.09 1.03 1.09
Free Cash Flow Yield
0.00%1.40%1.37%32.43%30.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
18.96 17.43 17.43 12.52 18.62
Price-to-Sales (P/S) Ratio
3.46 5.50 5.50 3.12 3.56
Price-to-Book (P/B) Ratio
1.97 1.72 1.73 0.94 1.00
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 71.32 72.89 3.08 3.32
Price-to-Operating Cash Flow Ratio
0.00 58.96 60.04 3.03 3.28
Price-to-Earnings Growth (PEG) Ratio
33.50 0.41 0.41 0.24 -5.23
Price-to-Fair Value
1.97 1.72 1.73 0.94 1.00
Enterprise Value Multiple
52.65 15.13 15.14 0.00 0.00
Enterprise Value
1.32T 1.13T 1.13T 945.24B 986.92B
EV to EBITDA
52.70 15.13 15.14 0.00 0.00
EV to Sales
9.05 15.41 15.41 14.49 17.65
EV to Free Cash Flow
0.00 200.00 204.40 14.34 16.45
EV to Operating Cash Flow
0.00 165.36 168.35 14.07 16.24
Tangible Book Value Per Share
102.04 94.13 94.12 86.74 80.79
Shareholders’ Equity Per Share
102.46 94.36 94.35 86.92 80.67
Tax and Other Ratios
Effective Tax Rate
0.24 0.24 0.24 -0.31 0.31
Revenue Per Share
58.54 29.61 29.61 26.33 22.61
Net Income Per Share
10.66 9.34 9.34 6.55 4.33
Tax Burden
0.76 0.77 0.77 -2.92 0.88
Interest Burden
1.49 0.41 0.41 5.02 -12.29
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.04 0.25 0.25 0.09 0.07
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 0.23 0.22 3.08 4.12
Currency in INR
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