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L&T Finance Ltd (IN:LTF)
:LTF
India Market
LTF
L&T Finance Ltd
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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 Q2 2026 was ₹0.60. For the 2026 fiscal year, IN:LTF's free cash flow was decreased by ₹ and operating cash flow was ₹0.36. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.00 0.00 3.26 11.25
Quick Ratio
 0.00 0.00 0.00 3.26 11.25
Cash Ratio
 0.00 0.00 0.00 2.99 14.90
Solvency Ratio
 0.03 0.03 0.03 0.03 0.02
Operating Cash Flow Ratio
 0.00 0.00 0.00 0.56 8.33
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -0.36 0.02 0.19
Net Current Asset Value
₹ -1.06T₹ -1.06T₹ -839.45B₹ -752.12B₹ -756.69B
Leverage Ratios
Debt-to-Assets Ratio
 0.78 0.78 0.77 0.75 0.78
Debt-to-Equity Ratio
 3.94 3.94 3.61 3.27 3.86
Debt-to-Capital Ratio
 0.80 0.80 0.78 0.77 0.79
Long-Term Debt-to-Capital Ratio
 0.80 0.80 0.61 0.58 0.79
Financial Leverage Ratio
 5.08 5.08 4.71 4.38 4.94
Debt Service Coverage Ratio
 1.11 0.00 0.05 0.05 -0.02
Interest Coverage Ratio
 1.51 0.00 0.58 0.56 -0.10
Debt to Market Cap
 1.51 1.83 2.26 1.89 5.79
Interest Debt Per Share
 453.63 441.02 394.79 330.03 358.93
Net Debt to EBITDA
 21.71 24.32 22.46 23.21 -159.52
Profitability Margins
Gross Profit Margin
60.29%58.86%61.72%59.38%52.94%
EBIT Margin
25.95%23.04%22.29%22.88%-4.52%
EBITDA Margin
27.16%24.25%23.17%23.75%-3.62%
Operating Profit Margin
29.10%35.79%22.29%22.88%-4.52%
Pretax Profit Margin
23.04%23.04%22.29%22.88%-4.52%
Net Profit Margin
17.18%17.18%16.88%17.53%13.18%
Continuous Operations Profit Margin
17.19%17.19%16.87%17.51%-5.92%
Net Income Per EBT
74.56%74.56%75.72%76.60%-291.68%
EBT Per EBIT
79.17%64.37%100.00%100.00%100.00%
Return on Assets (ROA)
2.10%2.10%2.20%2.26%1.53%
Return on Equity (ROE)
11.30%10.65%10.34%9.90%7.54%
Return on Capital Employed (ROCE)
3.55%4.37%2.90%2.98%-0.53%
Return on Invested Capital (ROIC)
2.65%3.26%1.59%1.47%-0.36%
Return on Tangible Assets
2.10%2.10%2.20%2.26%1.53%
Earnings Yield
4.10%4.96%7.03%5.74%7.99%
Efficiency Ratios
Receivables Turnover
 43.95 43.95 127.87 52.83 71.76
Payables Turnover
 3.89 4.03 4.37 4.40 7.19
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 20.21 20.21 30.49 32.30 30.28
Asset Turnover
 0.12 0.12 0.13 0.13 0.12
Working Capital Turnover Ratio
 4.30 1.84 2.31 2.40 1.76
Cash Conversion Cycle
 -85.44 -82.18 -80.64 -76.03 -45.68
Days of Sales Outstanding
 8.31 8.31 2.85 6.91 5.09
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 93.74 90.49 83.49 82.94 50.77
Operating Cycle
 8.31 8.31 2.85 6.91 5.09
Cash Flow Ratios
Operating Cash Flow Per Share
 -16.53 43.85 -66.57 2.76 27.12
Free Cash Flow Per Share
 -16.85 42.89 -67.35 2.28 26.61
CapEx Per Share
 0.32 0.96 0.78 0.48 0.52
Free Cash Flow to Operating Cash Flow
 1.02 0.98 1.01 0.83 0.98
Dividend Paid and CapEx Coverage Ratio
 -5.40 11.84 -20.28 1.11 26.69
Capital Expenditure Coverage Ratio
 -52.19 45.79 -84.94 5.77 52.52
Operating Cash Flow Coverage Ratio
 -0.04 0.10 -0.18 <0.01 0.08
Operating Cash Flow to Sales Ratio
 -0.24 0.63 -1.06 0.05 0.55
Free Cash Flow Yield
-5.80%17.86%-44.63%1.40%32.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 24.41 20.15 14.22 17.43 12.52
Price-to-Sales (P/S) Ratio
 4.19 3.46 2.40 3.05 1.65
Price-to-Book (P/B) Ratio
 2.60 2.15 1.47 1.72 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
 -17.24 5.60 -2.24 71.32 3.08
Price-to-Operating Cash Flow Ratio
 -17.57 5.48 -2.27 58.96 3.03
Price-to-Earnings Growth (PEG) Ratio
 1.96 1.63 1.05 0.41 0.24
Price-to-Fair Value
 2.60 2.15 1.47 1.72 0.94
Enterprise Value Multiple
 37.15 38.60 32.82 36.07 -205.12
Enterprise Value
 1.75T 1.62T 1.19T 1.13T 914.13B
EV to EBITDA
 37.15 38.60 32.82 36.07 -205.12
EV to Sales
 10.09 9.36 7.60 8.57 7.42
EV to Free Cash Flow
 -41.49 15.14 -7.10 200.00 13.87
EV to Operating Cash Flow
 -42.28 14.81 -7.18 165.36 13.61
Tangible Book Value Per Share
 109.87 110.05 102.18 94.13 86.74
Shareholders’ Equity Per Share
 111.71 111.89 102.60 94.36 86.92
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.24 0.24 -0.31
Revenue Per Share
 69.28 69.39 62.87 53.29 49.73
Net Income Per Share
 11.90 11.92 10.61 9.34 6.55
Tax Burden
 0.75 0.75 0.76 0.77 -2.92
Interest Burden
 0.89 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.03 0.00 0.15 0.04 0.05
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 -1.22 3.68 -4.75 0.23 3.08
Currency in INR