Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Banking And Finance | Mid Cap
Health Score : 5.63L&T Finance Ltd, operating in the non-bank financial sector, demonstrates a mixed financial performance. The company shows strengths in solvency and growth, particularly in operating profit, EPS, and asset growth. These positive trends suggest effective management and expansion strategies. However, liquidity and efficiency ratios reveal potential weaknesses, indicating challenges in short-term asset management and operational effectiveness. Profitability metrics are also varied, with strong returns on capital employed but weaker gross and net margins. Coverage ratios reflect moderate ability to cover interest expenses. Overall, the company's financial health appears stable with opportunities for improvement in liquidity, efficiency and profitability. The company's commitment to paying dividends signals a positive outlook for investors, but the absence of revenue and net income growth raises concerns about long-term sustainability and market competitiveness.
Health Score : 5.63L&T Finance Ltd, operating in the non-bank financial sector, demonstrates a mixed financial performance. The company shows strengths in solvency and growth, particularly in operating profit, EPS, and asset growth. These positive trends suggest effective management and expansion strategies. However, liquidity and efficiency ratios reveal potential weaknesses, indicating challenges in short-term asset management and operational effectiveness. Profitability metrics are also varied, with strong returns on capital employed but weaker gross and net margins. Coverage ratios reflect moderate ability to cover interest expenses. Overall, the company's financial health appears stable with opportunities for improvement in liquidity, efficiency and profitability. The company's commitment to paying dividends signals a positive outlook for investors, but the absence of revenue and net income growth raises concerns about long-term sustainability and market competitiveness.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
24.98
Industry Median
20.55
Mid Cap Median
26.80
P/E RATIO
25.97
P/B RATIO
2.76
Industry Median
1.24
Mid Cap Median
3.51
P/S RATIO
4.43
Industry Median
4.30
Mid Cap Median
5.59
Others
PEG RATIO
0.00
EV/EBITDA RATIO
16.60
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹309.05 as on Sep 1, 2026.
Growth Score : 6.00L&T Finance Ltd demonstrates strong growth in operating profit, EPS, and assets. However, revenue and net income growth are lacking. The positive growth in operating profit and EPS indicates improving operational efficiency and profitability. The asset growth suggests that the company is expanding its asset base. The absence of revenue and net income growth raises concerns about the sustainability of overall growth. A more balanced growth strategy could enhance the company's long-term financial health.
Revenue Growth RatePoor
Operating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -10.66 | 7.08 | 11.56 | 11.73 | 12.5 |
| Operating Profit Growth Rate | 29.09 | -204.61 | 373.85 | 35.36 | 17.16 |
| Earnings Per Share (EPS) Growth | 10.18 | 51.27 | 42.29 | 13.73 | 12.26 |
| Asset Growth Rate | -1.9 | -0.51 | -3.43 | 17.23 | 18.11 |
| Net Income Growth Rate | 10.54 | 46.43 | 50.85 | 14.07 | 12.86 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | SBI Cards & Payment Services Ltd | 8.92 | 27.77 | Neutral | 2241.00 | 22.77 | 2167.00 |
| 2 | Authum Investment & Infrastructure Ltd | 8.22 | 23.72 | Overvalued | 2100.00 | 22.60 | 1929.00 |
| 3 | Poonawalla Fincorp Ltd | 6.40 | 69.11 | Neutral | 812.00 | 6.15 | 542.00 |
| 4 | L&T Finance Ltd | 5.63 | 25.97 | Neutral | 4234.00 | 12.37 | 2983.00 |
| 5 | Sundaram Finance Ltd | 5.18 | 24.50 | Overvalued | 2938.00 | 165.09 | 2059.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤5th May 26
Q4 FY26 Earnings Call Transcript
BULLISH SENTIMENT
Quarterly Report⬤24th Apr 26
Consolidated Financial Results for Q4 and Year Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
L&T Finance Ltd. is a prominent Indian Non-Banking Financial Company (NBFC) and a part of the esteemed Larsen & Toubro Group. It primarily focuses on retail finance, offering a diversified portfolio of products including home loans, two-wheeler loans, micro-loans, and farm equipment finance, aiming for a high-quality, de-risked retail book.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. L&T Finance Ltd's P/E ratio (TTM) is 24.98, compared to the industry median of 20.55 and large cap median of 26.80.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. L&T Finance Ltd's P/B ratio is 2.76, compared to the industry median of 1.24 and large cap median of 3.51.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. L&T Finance Ltd's P/S ratio is 4.43, compared to the industry median of 4.30 and large cap median of 5.59.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. L&T Finance Ltd's PEG ratio is 1.10.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. L&T Finance Ltd's EV/EBITDA ratio is 16.60.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. L&T Finance Ltd's ROE is 10.66%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. L&T Finance Ltd's ROA is 2.98%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. L&T Finance Ltd's ROCE is 38.35%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. L&T Finance Ltd's operating margin is 23.64%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. L&T Finance Ltd's net margin is 16.65%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. L&T Finance Ltd's current ratio is 33.37.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. L&T Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. L&T Finance Ltd's interest coverage ratio is 1.59.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. L&T Finance Ltd's DPS is ₹2.74.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. L&T Finance Ltd's EPS is 12.26.
(Source line: "Ratios as of 29 Sept 2026, based on last traded price of ₹309.05. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1993
Headquarters: Mumbai, Maharashtra
Core Offerings: Home Loans, Two-Wheeler Finance, Microfinance, Farm Equipment Finance, SME Loans
Stock Listing: NSE (LTF), BSE (533519)
Promoter: Larsen & Toubro Limited / L&T Group
L&T Finance Ltd. was incorporated in 1993, initially providing corporate and project finance solutions. Over its history, the company diversified into various financial services including retail finance, asset management, and wealth management. A significant strategic transformation began in recent years, focusing on becoming a 'retail-focused' NBFC. Key milestones include the divestment of its investment management business (L&T Mutual Fund) to HSBC in 2022 and the merger of L&T Finance Holdings Ltd. with L&T Finance Ltd. in December 2023 to create a simplified, stronger retail finance entity.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Home Loans | 29% (of Retail AUM) | Operating Profit |
| Two-Wheeler Finance | 26% (of Retail AUM) | Operating Profit |
| Micro Loans | 19% (of Retail AUM) | Operating Profit |
| Farm Equipment Finance | 15% (of Retail AUM) | Operating Profit |
| Other Retail Finance | 11% (of Retail AUM) | Operating Profit |
Home Loans: Offers a range of housing finance solutions, including affordable home loans, catering to both salaried and self-employed individuals across India.
Two-Wheeler Finance: Provides financing for new two-wheelers through an extensive network of dealerships and digital application processes, a strong growth driver.
Microfinance: Focuses on empowering women in rural and semi-urban areas by providing small loans through a joint liability group (JLG) model, fostering financial inclusion.
Farm Equipment Finance: Offers loans for various farm equipment such as tractors and agricultural machinery, playing a crucial role in supporting the agricultural sector.
Mr. Sudipta Roy - Managing Director & Chief Executive Officer (MD & CEO). An alumnus of IIT Kharagpur and IIM Ahmedabad, he brings over 25 years of experience in the financial services sector, having held leadership positions at leading banks before joining L&T Finance.
L&T Housing Finance Limited
L&T Infra Credit Limited (currently operating with a de-emphasized focus on infrastructure finance as the company transitions to a fully retail book)
Major corporate actions include the sale of L&T Investment Management Limited (L&T Mutual Fund) to HSBC Asset Management (India) Private Limited in 2022, and the significant merger of L&T Finance Holdings Ltd. with L&T Finance Ltd. (and other wholly-owned subsidiaries) which became effective in December 2023, simplifying the corporate structure.
The L&T Finance Ltd share price today is ₹309.05 on NSE (LTF), as of 29 Sept 2026.
As of 29 Sept 2026, L&T Finance Ltd share price is ₹309.05, with previous close ₹309.05. Today's range is ₹309.05 to ₹309.05. The 52-week range is ₹234.90 to ₹338.60.
As of today, L&T Finance Ltd's market cap is ₹79,311.5 crore (Large Cap).
L&T Finance Ltd's current P/E ratio is 24.98, compared to the BANKING AND FINANCE sector average of 26.
L&T Finance Ltd's current P/B ratio is 2.76.
L&T Finance Ltd's current dividend yield is 0.89%. Last dividend of ₹2.00 per share was declared on 17-Aug-2023.
L&T Finance Ltd's EPS (TTM) is ₹12.26.
L&T Finance Ltd. is a prominent Indian Non-Banking Financial Company (NBFC) and a part of the esteemed Larsen & Toubro Group. It primarily focuses on retail finance, offering a diversified portfolio of products including home loans, two-wheeler loans, micro-loans, and farm equipment finance, aiming for a high-quality, de-risked retail book.
L&T Finance Ltd is promoted by Larsen & Toubro Limited / L&T Group, holding 65.99% as of 29 Sept 2026.
L&T Finance Ltd is listed on NSE (LTF) and BSE (533519). Its next quarterly results are expected on July 2024.