L&T Finance Ltd (LTF)
₹244.40
Mkt cap
₹61,256 Cr
P/E ratio
17.80
P/B
2.09
Div yield
1.13%
ROE
11.20%
ROCE
8.40%
EPS (TTM)
₹13.73
Book value
₹117
52W range
229–339
Sector
Financial Services
Price history
Previous close
L&T Finance Ltd. is a NBFC, offering a range of financial products and services. [1] Company has filed requisite application for necessary registration as Systemically Important Non- Deposit Accepting Core Investment Company (NBFC-CIC) [2]
NSE LTFBSE 533519
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−27.82% from high₹244
₹229+6.63% from low₹339
Current
₹244.40
Prev close
₹251.05
Day
−2.65%
Price performance
1D
−2.65%
1W
+2.91%
1M
−9.83%
3M
−20.20%
6M
−14.37%
1Y
−8.45%
YTD
−23.57%
Financials
Revenue, profit & margin
P/E ratio
17.8×
LTF is 3% below the sector median of 18.4×
LTF17.8×
Sector median18.4×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,214 | 3,534 | 3,670 | 3,784 | 4,019 | 4,098 | 4,023 | 4,260 | 4,336 | 4,578 | 4,771 | 5,213 | 5,484 | |
| Interest | 1,325 | 1,353 | 1,335 | 1,351 | 1,476 | 1,569 | 1,600 | 1,636 | 1,634 | 1,703 | 1,747 | 1,970 | 1,970 | |
| Expenses | 1,331 | 1,375 | 1,619 | 1,482 | 1,575 | 1,676 | 1,581 | 1,640 | 1,662 | 1,800 | 1,890 | 1,974 | 2,123 | |
| Financing Profit | 557 | 806 | 716 | 950 | 968 | 853 | 842 | 984 | 1,040 | 1,075 | 1,134 | 1,269 | 1,391 | |
| Financing Margin % | 17% | 23% | 20% | 25% | 24% | 21% | 21% | 23% | 24% | 23% | 24% | 24% | 25% | |
| Other Income | 268 | 47 | 6 | 0 | 5 | 8 | 4 | 0 | 0 | -25 | 0 | 30 | 0 | |
| Depreciation | 28 | 29 | 28 | 28 | 33 | 36 | 41 | 41 | 51 | 58 | 60 | 63 | 72 | |
| Profit before tax | 797 | 824 | 694 | 922 | 940 | 824 | 806 | 943 | 989 | 992 | 1,074 | 1,236 | 1,319 | |
| Tax % | 25% | 22% | 20% | 26% | 26% | 24% | 21% | 26% | 26% | 26% | 25% | 26% | 26% | |
| Net Profit | 594 | 639 | 553 | 685 | 697 | 626 | 636 | 701 | 735 | 738 | 809 | 916 | 973 | |
| EPS in Rs | 2.40 | 2.57 | 2.23 | 2.75 | 2.79 | 2.51 | 2.55 | 2.81 | 2.94 | 2.95 | 3.22 | 3.60 | 3.89 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.77% · closed higher next day 23 of last 58
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | Q2FY27† | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 23 Jan '24◦ | 27 Apr '24◦ | 16 Jul '24◦ | 18 Oct '24◦ | 20 Jan '25◦ | 25 Apr '25◦ | 18 Jul '25◦ | 15 Oct '25◦ | 16 Jan '26◦ | 24 Apr '26◦ | 10 Jul '26◦ | 15 Oct '26◦ |
| Earnings day | +1.07% | +3.05% | +0.12% | −5.29% | +1.11% | −3.08% | +3.66% | −0.87% | +1.23% | −0.78% | +1.07% | −3.11% |
| +1 day | +4.61% | +1.74% | −4.56% | −12.06% | −3.53% | −2.98% | +2.98% | −1.95% | −0.88% | −1.47% | −1.85% | −3.44% |
| +5 days | +7.96% | −1.74% | −5.76% | −14.65% | −1.80% | −5.05% | −0.57% | −1.62% | −3.76% | +0.14% | −4.79% | −7.98% |
| +15 days | +7.55% | −3.02% | −10.14% | −16.84% | +2.17% | −1.05% | −2.56% | +8.65% | −0.81% | −4.17% | −1.01% | — |
| +30 days | +1.41% | +0.67% | −8.13% | −10.94% | −3.87% | +12.59% | +11.81% | +12.70% | −8.55% | −10.24% | −1.68% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 2.75 Per Share | 2.75 | 22 May '26 | 22 May '26 |
Shareholding
as of Sep 202665.93%Promoter
Promoters65.93%0.03
FIIs7.38%0.33
DIIs15.80%0.90
Public10.90%0.55
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹939.10 | 26.73 | 5,84,679 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹823.15 | 15.27 | 1,93,694 | 1.31% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹319.90 | 22.64 | 1,35,793 | 0.18% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,586.00 | 21.78 | 1,35,517 | 0.13% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,408.60 | 7.93 | 96,698 | 1.25% | 3,278 | +34.12% | 9,998 | +37.28% | 15.80% |
| L&T Finance Ltd | ₹244.40 | 17.79 | 61,256 | 1.13% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹525.00 | 19.16 | 49,962 | 0.48% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| Median: 104 Co. | ₹130.87 | 18.42 | 496 | 0.00% | 11 | +40.59% | 49 | +26.49% | 9.46% |
Filings
Annual reports15
Concall transcripts100
TranscriptOct 2026PPTOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025TranscriptOct 2025PPTOct 2025RECOct 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 30 Oct - Please find intimation for the captioned subject.Disclosure Under Regulation 31A Of The SEBI (LODR) Regulations, 2015 29 Oct - NSE and BSE granted no-objection for Nabha Power’s reclassificationpromoter group to public.Announcement under Regulation 30 (LODR)-Earnings Call Transcript 26 Oct - Please find attached the intimation regarding the earnings call transcript for Q2FY2026-27.Announcement under Regulation 30 (LODR)-Allotment 21 Oct - Allotted 1.5 lakh NCDs worth ₹1,500 crore on private placement; coupon 7.8384%, maturity September 28, 2029.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 19 Oct