LTF

L&T Finance Ltd.

NSE: LTF

BSE: 533519

Sector: Financial Services

Industry Group: Finance

Industry: Investment Company

325.05+9.8 (+3.11%)

3 Jul, 9:59 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

17.8 / 100

Value Score

52.0 / 100

Price Momentum Score

85.7 / 100

QVM Score

50.5 / 100

Key Metrics

Market Cap

78986.10

P/E (TTM)

26.49

P/B

2.82

P/S (TTM)

4.41

EV/EBITDA

13.39

CAPE (5Y)

48.20

ROE (TTM)

11.13

ROCE (TTM)

10.53

ROA (TTM)

2.27

Avg 3Y ROE

10.75

Earnings 3Y CAGR

Sales 3Y CAGR

10.46

Sales 5Y CAGR

4.97

Debt/Equity

3.94

Consensus TP

330.00

Strong Buy %

36.84

Promoter Holding

65.99

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of L&T Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 85.7 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

85.7 / 100

High and stable operating margin

The company reported strong operating margin of 75.31% for 12-month ended 31 Mar 2026 and operating margin improved marginally by 30 bps from 1 year ago

What is Operating profit margin?

Consistently pays dividend

The company has not missed dividend payments once in the last 4 financial years

What is Dividend streak?

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -1.31% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Moderate EPS growth but lower than median growth of industry

The company delivered moderate EPS growth of 12.03% for 12-month ended 31 Mar 2026 but the growth was 9.2 percentage points lower than median growth of industry

What is EPS growth (1Y)?

High and increasing Debt to Equity

The company has high Debt to Equity of 3.94 as on 31 Mar 2026 and Debt to Equity increased by 0.33 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.87%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 2.82 indicates that the stock is reasonably valued on a standalone basis but is at a 235.71% premium to industry median P/B

What is P/B Ratio?

Median: 0.84

Value 2.82

0.112.71

Moderate and stable ROE

The company reported moderate ROE of 11.13% for 12-month ended 31 Mar 2026 and ROE improved marginally by 34 bps from 1 year ago

What is ROE (FY)?

Moderate revenue growth and in line with median growth of industry

The company delivered moderate revenue growth of 12.4% for 12-month ended 31 Mar 2026 and the growth was 1.31 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11.09

Value 12.4

-61.738829.74

Financial Snapshot

See detailed analysis

Multi-year trends for L&T Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

L&T Finance Ltd. Shareholding Pattern

Quarterly breakdown of L&T Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	63.72	63.72	63.67	63.65	63.62	63.59	63.53	63.50	66.26	66.23	66.20	66.15	66.11	66.10	66.02	65.90	65.86	66.37	66.29	66.25	66.24	66.16	66.10	66.03	65.99
Indian Promoter	63.72	63.72	63.67	63.65	63.62	63.59	63.53	63.50	66.26	66.23	66.20	66.15	66.11	66.10	66.02	65.90	65.86	66.37	66.29	66.25	66.24	66.16	66.10	66.03	65.99
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	15.82	14.82	12.05	14.63	16.48	15.36	14.82	13.97	11.48	11.95	12.10	17.29	17.93	19.19	19.14	19.75	19.74	18.97	19.06	17.47	18.76	20.30	20.73	21.99	22.53
Mutual Funds / UTI	0.56	0.77	0.41	0.23	0.78	1.62	1.84	1.95	0.56	0.93	0.96	1.67	2.22	0.86	1.38	2.67	3.40	6.93	7.44	6.37	7.06	8.15	10.51	11.86	11.54
FI/Bank/Insurance	4.58	4.61	4.51	4.95	5.02	4.91	4.68	4.15	4.01	4.41	4.39	4.38	4.36	4.40	5.59	6.24	5.11	4.54	4.76	5.70	6.18	5.89	3.78	3.38	3.30
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	10.60	9.37	7.07	9.36	10.60	8.79	8.25	7.86	6.91	6.61	6.75	11.24	11.35	13.90	12.11	10.68	11.04	7.34	6.73	5.30	5.48	6.19	6.40	6.66	7.63
Other Institutions	0.07	0.07	0.06	0.08	0.08	0.04	0.05	0.01	0.00	0.00	0.00	0.00	0.00	0.03	0.05	0.16	0.18	0.17	0.13	0.10	0.04	0.06	0.04	0.09	0.07
Non-Institution	20.46	21.46	24.28	21.72	19.91	21.05	21.66	22.53	22.26	21.82	21.69	16.55	15.96	14.72	14.85	14.36	14.40	14.65	14.65	16.27	15.00	13.54	13.17	11.98	11.48
Bodies Corporate	1.88	1.87	1.83	1.51	1.61	1.62	1.60	1.59	1.55	1.73	1.69	1.60	1.59	1.69	1.55	1.70	1.72	2.20	2.08	2.43	2.40	2.01	1.98	1.09	1.09
Others (incl. Retail) No. of shareholders	18.58 5,37,581	19.59 5,85,404	22.45 6,60,172	20.21 6,09,005	18.30 6,33,111	19.43 7,03,643	20.06 7,19,057	20.94 7,66,112	20.71 7,84,579	20.09 7,62,133	20.00 7,49,340	14.95 7,05,655	14.37 7,06,840	13.03 6,62,352	13.30 6,93,598	12.66 6,86,203	12.68 7,10,007	12.45 7,37,629	12.57 7,85,735	13.84 8,75,159	12.60 8,45,145	11.53 7,90,907	11.19 7,75,972	10.89 7,74,203	10.39 7,47,297

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Midcap 150 Momentum 50	3.23%	8 / 50
2	Nifty Alpha 50	2.79%	8 / 50
3	Nifty 200 Momentum 30	2.48%	18 / 30
4	Nifty 500 Momentum 50	1.88%	20 / 50
5	Nifty Midcap 100	0.73%	64 / 100
6	Nifty Midcap 150	0.61%	66 / 149
7	NIFTY Large Midcap 250	0.32%	105 / 250
8	Nifty 500	0.13%	162 / 499
9	Nifty Total Market	0.12%	167 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in L&T Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 24th Mar 2022	64.08 %	₹ 81.52	2.72 cr	₹ 221.43 cr
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 24th Mar 2022	65.18 %	₹ 81.97	2.68 cr	₹ 219.63 cr
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 22nd Mar 2022	63.50 %	₹ 70.17	98.18 lac	₹ 68.89 cr
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 22nd Mar 2022	64.01 %	₹ 72.02	15.17 lac	₹ 10.92 cr
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 22nd Mar 2022	63.90 %	₹ 71.24	13.79 lac	₹ 9.83 cr
Larsen & Toubro Limited Promoter	March-2022	Market Purchase (Acquisition) 22nd Mar 2022	63.95 %	₹ 71.94	15.52 lac	₹ 11.16 cr
Amresh Kumar Designated Person	October-2021	Market Sale (Disposal) 1st Oct 2021	0.00 %	₹ 84.55	1.00 k	₹ 84.55 k
Amresh Kumar Designated Person	October-2021	Market Sale (Disposal) 1st Oct 2021	0.00 %	₹ 91.85	8.00 k	₹ 7.35 lac
Asheesh Goel Designated Person	October-2021	Market Sale (Disposal) 1st Oct 2021	0.00 %	₹ 90.20	40.00 k	₹ 36.08 lac
Amresh Kumar Designated Person	October-2021	Market Sale (Disposal) 1st Oct 2021	0.00 %	₹ 79.45	600.00	₹ 47.67 k

…

Corporate Actions

History of L&T Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 2.75/share
Record date: 22nd May 2026Ex-date: 22nd May 2026
Announced on: 24th Apr 2026
Dividend₹ 2.75/share
Record date: 27th May 2025Ex-date: 27th May 2025
Announced on: 25th Apr 2025
Dividend₹ 2.50/share
Record date: 18th Jun 2024Ex-date: 18th Jun 2024
Announced on: 27th Apr 2024
Dividend₹ 2/share
Record date: 21st Jul 2023Ex-date: 21st Jul 2023
Announced on: 8th Jun 2023
Dividend₹ 0.50/share
Record date: 4th Jul 2022Ex-date: 1st Jul 2022
Announced on: 29th Apr 2022

Company Profile

Overview of L&T Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

L&T Finance Limited is an India-based non-banking financial company engaged in the provision of retail and wholesale financial services. It offers personal loans, two-wheeler loans, home loans, rural business finance, farm loans, loans against property, business loans and gold loans. It offers perso...

Key personnel

Mr. Sachinn Roopnaraya Joshi

Chief Financial Officer

Mr. Asheesh Goel

Chief Executive - Farmer Finance

Mr. Manish Kumar Gupta

Chief Executive - Urban Unsecured Assets, Payments & Digital Partnerships

Ms. Sonia Krishnankutty

Chief Executive - Rural Business Finance

Mr. Jinesh Shah

Chief Executive - Urban Secured Assets & 3rd Party Products

Mr. Abhishek Sharma

Chief Executive - SME Finance

Mr. Raju Dodti

Chief Operating Officer

Ms. Kavita Jagtiani

Chief Marketing Officer

View all

Incorporated on

01 May 2008

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

41,301

IPO date

12 Aug 2011

Free Float

85,26,01,594

Website

https://www.ltfinance.com/

Phone no.

+912262125000

Address

BRINDAVAN, PLOT NO.177 VIDHYANAGARI MARG, CST ROAD, KALINA, SANTACRUZ (EAST), , 400098, India

Frequently Asked Questions

What is the current share price of L&T Finance Ltd.?

The current share price of L&T Finance Ltd. is ₹ 325.05 as of 3 Jul 2026.

What is the market capitalisation of L&T Finance Ltd.?

The market capitalisation of L&T Finance Ltd. stands at ₹ 78,986.10 Cr.

What is the PE ratio of L&T Finance Ltd.?

The Price-to-Earnings (PE) ratio of L&T Finance Ltd. is 26.49 as of the latest trailing twelve months data.

What is the ROE and ROCE of L&T Finance Ltd.?

L&T Finance Ltd. has a Return on Equity (ROE) of 11.13% and a Return on Capital Employed (ROCE) of 10.53% as per the latest financial reports.

What is the 52-week high and low of L&T Finance Ltd.?

The 52-week high of L&T Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of L&T Finance Ltd.?

The dividend yield of L&T Finance Ltd. is 0.87% based on the current market price.

What is the FII and DII holding in L&T Finance Ltd.?

Foreign Institutional Investors (FII) hold 7.63%, Domestic Institutional Investors (DII) hold 14.84% and retail/public investors hold 10.39% of L&T Finance Ltd. shares.

What sector does L&T Finance Ltd. belong to?

L&T Finance Ltd. operates in the Financial Services sector. 73.68% of analysts have a Buy or Strong Buy rating on L&T Finance Ltd. with a consensus target price of ₹ 330.00, implying 4.68% upside from current levels.

What is the beta of L&T Finance Ltd.?

The beta of L&T Finance Ltd. is 1.60, indicating its price volatility relative to the broader market. Over the past 1 year, L&T Finance Ltd. has delivered an absolute return of 57.58%.

What is the RSI of L&T Finance Ltd.?

The 14-day Relative Strength Index (RSI) of L&T Finance Ltd. is 71.01, placing it in the overbought zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

L&T Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

L&T Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Company Profile

Corporate Actions

Holdings and Presence

Stock Analysis