	C 2012 Mar 31	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	C 2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M AR	12M AR
Total Revenue	3,007	3,976	5,154	6,262	7,382	8,490	9,831	12,954	14,446	13,726	12,314	13,294	14,055	15,941	17,917
Total Operating Expenses	604	824	1,151	1,499	1,742	2,515	986	1,586	1,957	1,852	2,262	2,833	3,507	3,984	4,423
Operating Profit	2,403	3,152	4,002	4,763	5,640	5,975	8,844	11,369	12,490	11,875	10,052	10,462	10,548	11,957	13,494
Operating Margin	79.9	79.3	77.7	76.1	76.4	70.4	90.0	87.8	86.5	86.5	81.6	78.7	75.0	75.0	75.3
Financing Income/(Expense) - Net	-1,703	-2,329	-3,074	-3,568	-4,124	-4,627	-5,449	-6,860	-7,514	-7,213	-5,754	-5,797	-5,377	-5,997	-6,720
Profit before Taxes	684	989	825	1,175	1,253	1,079	1,446	3,052	2,680	1,261	1,223	-557	3,029	3,491	3,998
Income Taxes	229	259	230	324	399	36	168	820	506	523	374	172	712	848	1,015
Profit after Tax	455	730	597	855	857	1,042	1,255	2,226	1,700	971	1,070	1,623	2,320	2,644	2,981
PAT Margin	15.1	18.4	11.6	13.6	11.6	12.3	12.8	17.2	11.8	7.1	8.7	12.2	16.5	16.6	16.6
EPS - Basic - ex Extraordinary Items	2.62	3.95	2.82	4.00	3.52	4.85	6.40	10.37	10.23	3.51	3.52	-2.59	9.34	10.61	11.92
EPS - Diluted - ex Extraordinary Items	2.62	3.95	2.82	3.99	3.52	4.78	6.34	10.33	10.19	4.47	3.51	-2.59	9.30	10.61	11.88
EBIT	2,403	3,152	4,002	4,763	5,640	5,975	8,844	11,369	12,490	11,875	10,052	10,462	10,548	11,957	13,494
EBITDA	2,463	3,218	4,082	4,859	5,723	6,042	8,893	11,415	12,555	11,952	10,152	10,571	10,662	12,096	13,703
EBITDA Margin	81.9	80.9	79.2	77.6	77.5	71.2	90.5	88.1	86.9	87.1	82.4	79.5	75.9	75.9	76.5

Balance Sheet

Abridged

Understanding Balance Sheet

L&T Finance Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	R 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	R 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Property Plant & Equipment - Net	500	564	710	705	688	185	97	68	82	61	55	112	410	514	859
Total Assets	26,933	36,570	44,861	52,742	63,801	71,146	87,777	1,06,055	1,09,545	1,08,972	1,06,902	1,06,362	1,02,718	1,20,409	1,42,205
Long Term Debt	15,719	18,117	23,288	29,401	37,031	45,613	52,287	55,462	58,661	51,761	50,268	40,665	33,078	39,699	53,557
Total Liabilities	22,180	30,349	38,035	44,902	55,292	63,920	76,147	92,384	94,632	90,001	86,775	84,744	79,190	94,778	1,14,171
Total Shareholders' Equity	4,753	6,220	6,826	7,740	8,409	6,974	11,407	13,449	14,692	18,773	19,948	21,528	23,438	25,564	27,984
Minority Interest	-	-	-	100	100	252	223	222	220	197	180	89	90	67	51
Total Equity	4,753	6,220	6,826	7,840	8,509	7,225	11,630	13,671	14,913	18,970	20,128	21,618	23,528	25,631	28,034
Total Liabilities & Equity	26,933	36,570	44,861	52,742	63,801	71,146	87,777	1,06,055	1,09,545	1,08,972	1,06,902	1,06,362	1,02,718	1,20,409	1,42,205
Total Current Assets	8,728	12,399	14,076	14,816	15,953	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	6,240	11,748	14,053	14,630	17,330	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

L&T Finance Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	R 2013 Mar 31	2014 Mar 31	C 2015 Mar 31	C 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	712	-5,839	-6,461	-5,395	-9,755	-5,290	-15,918	-11,644	1,958	5,101	5,520	4,785	-1,577	-9,437	-19,748
Working Capital - Increase/(Decrease)	-6,705	-257	378	-1,219	542	-489	278	1	203	364	306	-33	2,250	-7,150	5,559
Net CF from Operating Activities	-5,993	-6,096	-6,083	-6,614	-9,213	-5,779	-15,640	-11,643	2,162	5,464	5,826	4,751	673	-16,587	-14,189
Capital Expenditures - Net	135	609	248	99	79	1	-26	80	54	49	77	96	118	189	238
Net CF from Investing Activities	-171	-1,671	-1,032	2	-675	-2,118	1,549	-3,587	160	-2,024	-5,084	-4,443	849	471	367
Dividends Paid - Cash - Total	-	9	255	289	367	296	222	270	484	-	-	124	497	622	687
Stock - Issuance/(Retirement) - Net	1,575	761	259	473	211	16	3,207	22	729	2,405	-1,037	-345	43	40	89
Debt - LT & ST - Issuance/(Retirement) - Total	4,634	7,215	7,606	6,237	9,612	8,239	11,766	16,265	1,208	-4,484	-1,990	-1,192	-6,586	16,023	16,031
Net Cash Flow from Financing Activities	6,111	7,947	7,602	6,412	9,426	7,952	14,678	16,008	1,451	-2,091	-3,023	-1,664	-7,037	15,419	15,415
Free Cash Flow to Equity	-1,494	509	1,275	-476	321	2,458	-3,848	4,542	3,316	931	3,760	3,463	-6,031	-753	1,605
Free Operating CF net dividend	-6,143	-6,913	-6,604	-7,025	-9,672	-6,109	-15,945	-12,005	1,598	5,412	5,749	4,499	58	-17,404	-15,115
Free Operating CF	-6,143	-6,905	-6,350	-6,736	-9,305	-5,813	-15,723	-11,735	2,082	5,412	5,749	4,623	555	-16,782	-14,429

Business Segment Analysis

FY End:

Mar 26

L&T Finance Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Financing (100.0%)₹ 239.46 Cr

Revenue / Sales

Financing (100.0%)₹ 17,917.03 Cr

Assets

Financing (100.0%)₹ 1,42,205.31 Cr

Operating Income

Financing (100.0%)₹ 13,493.64 Cr

Regional Segment Analysis

FY End:

Mar 26

L&T Finance Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 17,917.03 Cr

Assets

India (100.0%)₹ 1,42,205.31 Cr

Historical Segment Analysis

Track how L&T Finance Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2014 Mar 31	2015 Mar 31	2016 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Financing	-	-	-	119	195	239
Investment Management	2	3	-	-	-	-
Others	53	8	600	-	-	-
Retail and Mid market Finance	164	76	-	-	-	-
Wholesale Business	2	1	13,010	-	-	-
Defocused business	-	-	1,752	-	-	-
Housing business	-	-	3,403	-	-	-
Rural Business	-	-	3,138	-	-	-

Frequently Asked Questions

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

The latest trailing twelve month revenue of L&T Finance Ltd. is ₹ 17,917.00 Cr, reflecting a 1-year growth of 12.40% and a 3-year CAGR of 10.46%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of L&T Finance Ltd.?

The latest trailing twelve month net profit (PAT) of L&T Finance Ltd. is ₹ 2,981.18 Cr. Detailed profit history across annual and quarterly periods is in the Income Statement section.

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

The trailing twelve month EBITDA of L&T Finance Ltd. is approximately ₹ 13,493.60 Cr (based on an operating margin of 75.31%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

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

The trailing twelve month Earnings Per Share (EPS) of L&T Finance Ltd. is 11.88. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of L&T Finance Ltd.?

The debt-to-equity ratio of L&T Finance Ltd. stands at 3.94. The interest coverage ratio is 2.03x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of L&T Finance Ltd.?

The estimated book value per share of L&T Finance Ltd. is 114.77 (derived from a P/B ratio of 2.82 and market price of ₹ 323.95), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of L&T Finance Ltd.?

The trailing twelve month operating cash flow of L&T Finance Ltd. is ₹ -14,189.10 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does L&T Finance Ltd. report consolidated or standalone financials?

L&T Finance Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.