L&T FINANCE Latest Share Price (LTF)
TODAY IN ONE LINE
LTF slipped 0.9% on average volume, lagging Nifty's 0.1% move.
With a market cap of ₹78,672.89 Cr., it trades at a P/E of 24.56. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
L&T FINANCE flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 26.4% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 59.8%
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 0.6% YoY
- ●Promoter SellingPromoter holding decreased by 65.99% QoQ
Latest L&T FINANCE News
What changed recently?
Recent events, corporate actions, and announcements.
L&T FINANCE valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for L&T FINANCE, framed against the sector median so the premium or discount is obvious at a glance.
L&T FINANCE trades at a P/E of 24.56× and P/B of 2.79×, against the Financial Services sector median P/E of 21.24×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
L&T FINANCE technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for L&T FINANCE — derived from the latest tape, not yesterday's close.
L&T FINANCE last traded at ₹314 with an intraday range of ₹313.4–₹320.5 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹314.00| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 332.73 | +18.73 | +5.97% |
| R3 | 325.63 | +11.63 | +3.70% |
| R2 | 323.07 | +9.07 | +2.89% |
| R1 | 318.53 | +4.53 | +1.44% |
| PIVOT | 315.97 | 1.97 | 0.63% |
| CURRENT | 314.00 | — | — |
| S1 | 311.43 | -2.57 | -0.82% |
| S2 | 308.87 | -5.13 | -1.63% |
| S3 | 304.33 | -9.67 | -3.08% |
| S4 | 297.23 | -16.77 | -5.34% |
LTF is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹317–₹320.5
Trading Inside opening range
L&T FINANCE financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for L&T FINANCE — consolidated or standalone — with margins, YoY growth and key ratios inline.
L&T FINANCE reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹78,672.89 Cr. and reported EPS of ₹3.57.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 14,663 | 16,616 ▲ 13.3% |
| 17 | 3 ▼ 79.9% | |
| Total Income | 15,941 | 17,917 ▲ 12.4% |
| Net Interest Income (NII)Derived | 14,663 | 16,616 ▲ 13.3% |
| Profit Before Tax (PBT) | 3,491 | 3,998 ▲ 14.5% |
| 848 | 1,015 ▲ 19.8% | |
| Effective Tax %Derived | 24.28% | 25.39% |
| Profit/Loss from Discontinued Ops | — | — |
| Total Profit for Period | 2,643 | 2,983 ▲ 12.8% |
| Less: Non-controlling Interests | -0 | 2 ▲ 804.2% |
| Net Profit (Owner's PAT)Derived | 2,644 | 2,981 ▲ 12.8% |
| PAT Growth YoY %Derived | 13.95% | 12.77% |
| Earnings Per Share (EPS ₹) | 10.60 | 11.90 ▲ 12.3% |
| Diluted Shares Outstanding (Cr) | 249 | 250 ▲ 0.4% |
| Other Comprehensive Income (Net of Tax) | 24 | 10 ▼ 57.5% |
| Fees & Commission Expense | — | — |
| Dividend Income | 1 | 0 ▼ 82.5% |
| Impairment On Financial Instruments | 2,193 | 2,184 ▼ 0.4% |
| Net Gain Amortised Derecognition | — | — |
| Net Gain Fair Value Changes | 183 | 64 ▼ 64.8% |
| Net Loss Amortised Derecognition | 275 | 562 ▲ 104.3% |
| Net Loss Fair Value Changes | — | — |
| Rental Income | — | — |
| Period | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 11,638 | 13,245 ▲ 13.8% | 13,105 ▼ 1.1% | 11,704 ▼ 10.7% | 12,565 ▲ 7.4% | 12,914 ▲ 2.8% | 14,663 ▲ 13.5% | 16,616 ▲ 13.3% | |
312 | 373 ▲ 19.5% | 402 ▲ 7.9% | 394 ▼ 2.0% | 527 ▲ 33.7% | 475 ▼ 9.9% | 17 ▼ 96.5% | 3 ▼ 79.9% | ||
| Total Income | 13,302 | 14,548 ▲ 9.4% | 14,080 ▼ 3.2% | 12,324 ▼ 12.5% | 13,302 ▲ 7.9% | 14,055 ▲ 5.7% | 15,941 ▲ 13.4% | 17,917 ▲ 12.4% | |
| Net Interest Income (NII)Derived | 11,638 | 13,245 ▲ 13.8% | 13,105 ▼ 1.1% | 11,704 ▼ 10.7% | 12,565 ▲ 7.4% | 12,914 ▲ 2.8% | 14,663 ▲ 13.5% | 16,616 ▲ 13.3% | |
| Profit Before Tax (PBT) | 3,052 | 2,680 ▼ 12.2% | 1,495 ▼ 44.2% | 1,223 ▼ 18.2% | -557 ▼ 145.5% | 3,029 ▲ 644.3% | 3,491 ▲ 15.3% | 3,998 ▲ 14.5% | |
820 | 980 ▲ 19.5% | 546 ▼ 44.2% | 374 ▼ 31.6% | 172 ▼ 53.9% | 712 ▲ 313.0% | 848 ▲ 19.1% | 1,015 ▲ 19.8% | ||
| Effective Tax %Derived | 26.87% | 36.56% | 36.54% | 30.55% | -30.97% | 23.50% | 24.28% | 25.39% | |
| Profit/Loss from Discontinued Ops | — | — | — | 200 | 2,265 ▲ 1032.6% | — ▼ 100.0% | — | — | |
| Total Profit for Period | 2,232 | 1,700 ▼ 23.8% | 949 ▼ 44.2% | 1,049 ▲ 10.6% | 1,536 ▲ 46.4% | 2,317 ▲ 50.8% | 2,643 ▲ 14.1% | 2,983 ▲ 12.8% | |
| Less: Non-controlling Interests | 6 | 0 ▼ 98.4% | -22 ▼ 24611.1% | -21 ▲ 5.4% | -87 ▼ 315.8% | -3 ▲ 96.6% | -0 ▲ 91.9% | 2 ▲ 804.2% | |
| Net Profit (Owner's PAT)Derived | 2,226 | 1,700 ▼ 23.6% | 971 ▼ 42.9% | 1,070 ▲ 10.2% | 1,623 ▲ 51.7% | 2,320 ▲ 42.9% | 2,644 ▲ 13.9% | 2,981 ▲ 12.8% | |
| PAT Growth YoY %Derived | — | -23.63% | -42.89% | 10.21% | 51.69% | 42.93% | 13.95% | 12.77% | |
| Earnings Per Share (EPS ₹) | 9.06 | 6.90 ▼ 23.8% | 3.93 ▼ 43.0% | 4.33 ▲ 10.2% | 6.55 ▲ 51.3% | 9.32 ▲ 42.3% | 10.60 ▲ 13.7% | 11.90 ▲ 12.3% | |
| Diluted Shares Outstanding (Cr) | 246 | 247 ▲ 0.3% | 247 ▲ 0.2% | 247 ▲ 0.2% | 248 ▲ 0.2% | 249 ▲ 0.4% | 249 ▲ 0.2% | 250 ▲ 0.4% | |
| Other Comprehensive Income (Net of Tax) | -2 | -159 ▼ 6512.4% | 43 ▲ 126.9% | 64 ▲ 49.4% | 45 ▼ 29.5% | 6 ▼ 86.2% | 24 ▲ 292.6% | 10 ▼ 57.5% | |
| Fees & Commission Expense | 326 | 18 ▼ 94.6% | 2 ▼ 88.5% | 1 ▼ 47.3% | — ▼ 100.0% | — | — | — | |
| Dividend Income | 0 | 0 ▼ 42.9% | 0 ▼ 66.7% | 0 ▲ 350.0% | 0 ▼ 55.6% | 0 ▲ 25.0% | 1 ▲ 870.0% | 0 ▼ 82.5% | |
| Impairment On Financial Instruments | 701 | 1,994 ▲ 184.5% | 2,978 ▲ 49.3% | 1,709 ▼ 42.6% | 1,560 ▼ 8.7% | 1,322 ▼ 15.2% | 2,193 ▲ 65.9% | 2,184 ▼ 0.4% | |
| Net Gain Amortised Derecognition | — | — | 2 | — ▼ 100.0% | — | — | — | — | |
| Net Gain Fair Value Changes | 56 | 109 ▲ 96.2% | 24 ▼ 77.6% | 7 ▼ 70.5% | 48 ▲ 566.6% | 4 ▼ 91.5% | 183 ▲ 4387.5% | 64 ▼ 64.8% | |
| Net Loss Amortised Derecognition | 384 | 274 ▼ 28.6% | 237 ▼ 13.5% | 285 ▲ 20.1% | 360 ▲ 26.2% | 458 ▲ 27.3% | 275 ▼ 39.9% | 562 ▲ 104.3% | |
| Net Loss Fair Value Changes | 383 | 108 ▼ 71.9% | 420 ▲ 291.0% | 1,089 ▲ 159.1% | 621 ▼ 43.0% | 361 ▼ 41.8% | — ▼ 100.0% | — | |
| Rental Income | 19 | 9 ▼ 52.1% | 5 ▼ 49.9% | 8 ▲ 75.2% | 3 ▼ 56.1% | — ▼ 100.0% | — | — |
L&T FINANCE segment analysis : revenue and profit mix.
Disclosed business segments at L&T FINANCE with their share of revenue and profit, switchable between consolidated and standalone reporting.
L&T FINANCE discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for L&T FINANCE.
Our AI distills the core fundamental drivers supporting L&T FINANCE, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
L&T FINANCE's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Latest quarterly EPS grew 26.8% YoY, demonstrating robust earnings momentum
TTM revenue growth of 31.9% YoY reflects strong market demand and expansion
Net profit margin of 28.03% annually indicates efficient cost management
Operating margin of 59.83% demonstrates strong pricing power and efficiency
Payout ratio of 46.3% TTM balances shareholder returns with reinvestment capacity
Key Risks.
Operating cash flow negative ₹41,408 Cr in latest period signals liquidity stress
Net debt ₹72.66 lakh Cr (FY26) up 24% YoY; leverage deteriorating rapidly
Beta of 1.53 indicates 53% higher volatility relative to broader market movements
ROCE of 7.94% lags peer benchmarks, suggesting suboptimal capital efficiency
Dividend yield of 1.71% is modest, limiting income appeal for conservative investors
Flip Conditions.
Valuation risk. a P/E above 32 (~1.5× the sector multiple of 21.2) would leave less room for earnings disappointment.
Reassess if quarterly profit growth turns negative for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 3.25. Balance sheet risk re-prices growth multiples fast.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
L&T FINANCE peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — L&T FINANCE is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
L&T FINANCE chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for L&T FINANCE — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
L&T FINANCE delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for L&T FINANCE over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in L&T FINANCE stood at 46.4% of traded volume, against a 20-day average of 46.5%.
L&T FINANCE announcements: results, concalls, ratings, M&A.
Filings L&T FINANCE sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
L&T FINANCE files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 186 documents below.
ESOP/ESOS/ESPS
L&T Finance Limited has informed the Exchange regarding Allotment of 306752 Shares.
Analysts/Institutional Investor Meet/Con. Call Updates
L&T Finance Limited has informed the Exchange about Schedule of Analyst/ Investors meet.
Allotment of Securities
L&T Finance Limited has informed the Exchange regarding allotment of 23500 Non - Convertible Debentures on August 20, 2026
Allotment of Securities
L&T Finance Limited has informed the Exchange regarding allotment of Non Convertible Debentures.
Analysts/Institutional Investor Meet/Con. Call Updates
L&T Finance Limited has informed the Exchange about Schedule of Investors/Analyst meet.
Investor decks & rating reports.
L&T FINANCE dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue L&T FINANCE has declared, sequenced by announce and record date.
L&T FINANCE corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About L&T FINANCE: business, sector, key facts.
What L&T FINANCE does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
L&T FINANCE operates in the Investment Company industry under the Financial Services sector, listed as NSE: LTF, BSE: 533519.
L&T Finance Limited (LTF) is a non-banking financial company (NBFC) operating in India, providing a diverse range of financial products and services. Its core business revolves around lending, catering to a broad spectrum of clients from individuals to businesses and rural communities. The company's extensive portfolio allows it to participate in various segments of the Indian financial market, contributing to its overall growth and market position.
A significant portion of LTF's business involves personal loans, catering to a variety of individual needs. This includes loans for housing, medical emergencies, home renovations, weddings, vacations, education, and debt consolidation. The company also offers loans for two-wheelers, demonstrating its reach into different consumer segments and financing needs.
LTF's business extends to the commercial sector, providing substantial support to small and medium-sized enterprises (SMEs). It offers tailored business loans specifically designed for professionals like doctors and chartered accountants, as well as providing crucial supply chain financing solutions. This demonstrates a strategic focus on supporting the growth and development of Indian businesses.
The company's commitment to rural development is evident through its robust rural lending portfolio. This includes various loan schemes such as Vikas loans, Vishwas loans, Pragati loans, and micro loans against property, specifically targeting the needs of rural populations. This commitment to financial inclusion contributes significantly to the company's social impact.
Furthermore, LTF offers a comprehensive suite of loans to farmers, including financing for new tractors, agricultural implements, and providing various top-up loan options for existing loans. Additional services, such as refinance loans and warehouse receipt finance, further expand their offerings within this sector. This strategic focus on the agricultural sector underscores LTF's contribution to the Indian economy’s food security and rural prosperity.
Finally, LTF also provides loans against property, offering a versatile financial solution for individuals seeking access to capital using their property as collateral. This comprehensive approach demonstrates the company's adaptability and capacity to meet the evolving financial requirements of the Indian market.
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Questions investors ask about L&T FINANCE (LTF).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of L&T FINANCE (LTF)?
The current share price of L&T FINANCE (LTF) is ₹314.00. Today, the stock has declined by ₹2.90 (0.92%), trading in a range of ₹313.40 to ₹320.50. The stock opened at ₹317.00 with a trading volume of 32,79,672 shares.
02Is L&T FINANCE stock a good investment for long-term?
L&T FINANCE can be considered for long-term investment based on several factors. The company has a market capitalization of ₹78,672.89 Cr., P/E ratio of 24.56, ROE of 10.64%, and ROCE of 7.94%. The dividend yield stands at 0.88%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of L&T FINANCE stock?
The 52-week high price of L&T FINANCE (LTF) is ₹338.60, while the 52-week low is ₹226.00. Currently trading at ₹314.00, the stock is 38.94% above its 52-week low and 7.27% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy L&T FINANCE stock at the current price?
Whether to buy L&T FINANCE stock at ₹314.00 depends on multiple factors. The stock is currently trading with a P/E ratio of 24.56 and P/B ratio of 2.79. Today's performance shows a loss of 0.92%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of L&T FINANCE and when is the next dividend?
L&T FINANCE offers a dividend yield of 0.88%, which means for every ₹100 invested at the current price of ₹314.00, you can expect to receive approximately ₹0.88 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of L&T FINANCE?
L&T FINANCE's key financial metrics include: P/E Ratio: 24.56, P/B Ratio: 2.79, ROE: 10.64%, ROCE: 7.94%, Dividend Yield: 0.88%, EPS: ₹3.57, Book Value: ₹111.89, and Debt-to-Equity: 2.75. The company's market cap stands at ₹78,672.89 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is L&T FINANCE stock performing today in the market?
L&T FINANCE stock opened at ₹317.00 and is currently trading at ₹314.00, showing a decline of ₹2.90 (0.92%). The intraday high is ₹320.50 and low is ₹313.40. The trading volume stands at 32,79,672 shares, indicating strong market participation today.
08What is the P/E ratio of L&T FINANCE and what does it indicate?
L&T FINANCE has a Price-to-Earnings (P/E) ratio of 24.56, which means investors are willing to pay 24.56 for every ₹1 of earnings. With an EPS of ₹3.57, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about L&T FINANCE (LTF) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.