L&T Finance Share Price Today (LTF)
LTF Today's Stock View
L&T Finance closed up 2.09% at ₹327.95. With a market cap of ₹82,055.33 Cr., it trades at a P/E of 25.35. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
L&T Finance Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for L&T Finance Limited, framed against the sector median so the premium or discount is obvious at a glance.
L&T Finance Limited trades at a P/E of 25.35× and P/B of 2.89×, against the Financial Services sector median P/E of 22.71×.
Valuation
Profitability
Growth
Financial Health
L&T Finance Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for L&T Finance Limited — derived from the live tape, not yesterday's close.
L&T Finance Limited last traded at ₹327.95 with an intraday range of ₹318–₹333.4 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹327.95| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 365.70 | +37.75 | +11.51% |
| R3 | 350.30 | +22.35 | +6.82% |
| R2 | 341.85 | +13.90 | +4.24% |
| R1 | 334.90 | +6.95 | +2.12% |
| PIVOT | 326.45 | -1.50 | -0.46% |
| CURRENT | 327.95 | — | — |
| S1 | 319.50 | -8.45 | -2.58% |
| S2 | 311.05 | -16.90 | -5.15% |
| S3 | 304.10 | -23.85 | -7.27% |
| S4 | 288.70 | -39.25 | -11.97% |
LTF is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹318–₹331.35
Trading Inside opening range
L&T Finance Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for L&T Finance Limited, switchable between annual and quarterly views, consolidated or standalone.
L&T Finance Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹82,055.33 Cr. and reported EPS of ₹11.88.
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 12,990 | 14,176 | 13,678 | 11,930 | 12,775 | 13,581 | 15,924 | 17,914 |
| Interest Earned | 11,638 | 13,245 | 13,105 | 11,704 | 12,565 | 12,914 | 14,663 | 16,616 |
| +Other Income | 312 | 373 | 402 | 394 | 527 | 475 | 17 | 3 |
| Total Income | 13,302 | 14,548 | 14,080 | 12,324 | 13,302 | 14,055 | 15,941 | 17,917 |
| Net Interest Income (NII) | 11,638 | 13,245 | 13,105 | 11,704 | 12,565 | 12,914 | 14,663 | 16,616 |
| Gross Profit | 12,990 | 14,176 | 13,678 | 11,930 | 12,775 | 13,581 | 15,924 | 17,914 |
| +Operating Expenses | 1,546 | 1,879 | 1,886 | 2,160 | 2,722 | 3,393 | 3,846 | 4,215 |
| EBITDA | 11,444 | 12,296 | 11,792 | 9,770 | 10,053 | 10,187 | 12,079 | 13,699 |
| +Non-Operating Expenses | 6,910 | 7,595 | 7,513 | 5,856 | 3,221 | 5,492 | 6,136 | 6,901 |
| Profit Before Tax (PBT) | 3,052 | 2,680 | 1,495 | 1,223 | -557 | 3,029 | 3,491 | 3,998 |
| +Tax Expense | 820 | 980 | 546 | 374 | 172 | 712 | 848 | 1,015 |
| Profit/Loss from Discontinued Ops | — | — | — | 200 | 2,265 | — | — | — |
| Total Profit for Period | 2,232 | 1,700 | 949 | 1,049 | 1,536 | 2,317 | 2,643 | 2,983 |
| Less: Non-controlling Interests | 6 | 0 | -22 | -21 | -87 | -3 | -0 | 2 |
| Net Profit (Owner's PAT) | 2,226 | 1,700 | 971 | 1,070 | 1,623 | 2,320 | 2,644 | 2,981 |
| Earnings Per Share (EPS) | 9.06 | 6.90 | 3.93 | 4.33 | 6.55 | 9.32 | 10.60 | 11.90 |
| Diluted Shares Outstanding (Nos.) | 246 | 247 | 247 | 247 | 248 | 249 | 249 | 250 |
| +Additional Disclosures | 10,253 | 11,709 | 12,606 | 11,344 | 16,082 | 11,029 | 12,474 | 13,931 |
| Sales Growth % | — | 9.13 | -3.51 | -12.78 | 7.09 | 6.31 | 17.26 | 12.49 |
| YoY Sales Growth % | — | 9.13 | -3.51 | -12.78 | 7.09 | 6.31 | 17.26 | 12.49 |
| Employee Cost % | 6 | 7 | 7 | 9 | 11 | 13 | 14 | 14 |
| Other Cost % | 6 | 6 | 6 | 9 | 10 | 12 | 10 | 10 |
| OPM % | 88 | 87 | 86 | 82 | 79 | 75 | 76 | 76 |
| Tax % | 27 | 37 | 37 | 31 | -31 | 24 | 24 | 25 |
| Profit Growth % | — | -23.63 | -42.89 | 10.21 | 51.69 | 42.93 | 13.95 | 12.77 |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| EBITDA Margin % | 88.10 | 86.74 | 86.21 | 81.89 | 78.69 | 75.02 | 75.85 | 76.47 |
| Interest Coverage Ratio | 1.66 | 1.63 | 1.63 | 1.68 | 1.71 | 1.87 | 1.99 | 2.01 |
| Fees & Commission Expense | 326 | 18 | 2 | 1 | — | — | — | — |
| Ebit | 11,394 | 12,215 | 11,705 | 9,667 | 9,942 | 10,073 | 11,940 | 13,489 |
| Dividend Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Impairment On Financial Instruments | 701 | 1,994 | 2,978 | 1,709 | 1,560 | 1,322 | 2,193 | 2,184 |
| Net Gain Amortised Derecognition | — | — | 2 | — | — | — | — | — |
| Net Gain Fair Value Changes | 56 | 109 | 24 | 7 | 48 | 4 | 183 | 64 |
| Net Loss Amortised Derecognition | 384 | 274 | 237 | 285 | 360 | 458 | 275 | 562 |
| Net Loss Fair Value Changes | 383 | 108 | 420 | 1,089 | 621 | 361 | — | — |
| Rental Income | 19 | 9 | 5 | 8 | 3 | — | — | — |
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 Limited.
Our AI distills the core fundamental drivers supporting L&T Finance Limited, the risks that threaten it, and the exact valuation or growth triggers that should make you re-evaluate.
L&T Finance Limited'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% reflects strong market demand and expansion
Strong promoter holding at 65.99% signals long-term commitment and stability
Net profit margin of 28.03% annually indicates efficient cost management
Operating margin of 61.20% demonstrates strong pricing power and efficiency
Key Risks.
Operating cash flow negative ₹41,408 Cr in latest period signals liquidity stress
Debt-to-equity ratio of 0.0394 masks underlying leverage; net debt ₹8.99 LCr
Beta of 1.51 indicates higher volatility relative to broader market movements
ROCE of 8.40% lags peer benchmarks, suggesting suboptimal capital efficiency
Dividend yield of 1.71% is modest, limiting income appeal for investors
Flip Conditions.
Trim if P/E re-rates above 33 (~1.5× the sector multiple of 22.7). The valuation cushion thins from there.
Reassess if quarterly profit growth turns negative for two consecutive quarters. The bull case relies on compounding earnings.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Income thesis breaks if the dividend is cut or yield falls below 0.85%.
L&T Finance Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — L&T Finance Limited is highlighted for quick read-across.
Quick Compare
Peer Comparison
L&T Finance Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for L&T Finance Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
L&T Finance Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for L&T Finance Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in L&T Finance Limited stood at 40.2% of traded volume, against a 20-day average of 40.5%.
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 171 documents below.
Investor Presentation
L&T Finance Limited has informed the Exchange about Investor Presentation
Press Release
L&T Finance Limited has informed the Exchange regarding a press release dated July 10, 2026, titled "Press release of financial performance for the…
General Updates
L&T Finance Limited has informed the Exchange about General Updates
Appointment
L&T Finance Limited has informed the Exchange regarding Appointment of Mr Prashant Kumar as Independent Director of the company w.e.f. July 10, 2026.
Outcome of Board Meeting
L&T Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
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 Limited: business, sector, key facts.
What L&T Finance Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
L&T Finance Limited 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 Limited (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 Limited (LTF)?
The current share price of L&T Finance Limited (LTF) is ₹327.95. Today, the stock has gained by ₹6.70 (2.09%), trading in a range of ₹318 to ₹333.4. The stock opened at ₹321.25 with a trading volume of 1,23,36,381 shares.
02Is L&T Finance Limited stock a good investment for long-term?
L&T Finance Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹82,055.33 crores, P/E ratio of 25.35, ROE of 11.20%, and ROCE of 8.40%. The dividend yield stands at 1.71%. 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 Limited stock?
The 52-week high price of L&T Finance Limited (LTF) is ₹338.6, while the 52-week low is ₹194.4. Currently trading at ₹327.95, the stock is 92.6% away from its 52-week low and 3.1% 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 Limited stock at the current price?
Whether to buy L&T Finance Limited stock at ₹327.95 depends on multiple factors. The stock is currently trading with a P/E ratio of 25.35 and P/B ratio of 2.89. Today's performance shows a gain of 2.09%. 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 Limited and when is the next dividend?
L&T Finance Limited offers a dividend yield of 1.71%, which means for every ₹100 invested at the current price of ₹327.95, you can expect to receive approximately ₹1.71 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 Limited?
L&T Finance Limited's key financial metrics include: P/E Ratio: 25.35, P/B Ratio: 2.89, ROE: 11.20%, ROCE: 8.40%, Dividend Yield: 1.71%, EPS: ₹11.88, Book Value: ₹112.09, and Debt-to-Equity: 0.04. The company's market cap stands at ₹82,055.33 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is L&T Finance Limited stock performing today in the market?
L&T Finance Limited stock opened at ₹321.25 and is currently trading at ₹327.95, showing a gain of ₹6.70 (2.09%). The intraday high is ₹333.4 and low is ₹318. The trading volume stands at 1,23,36,381 shares, indicating strong market participation today.
08What is the P/E ratio of L&T Finance Limited and what does it indicate?
L&T Finance Limited has a Price-to-Earnings (P/E) ratio of 25.35, which means investors are willing to pay ₹25.35 for every ₹1 of earnings. With an EPS of ₹11.88, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about L&T Finance Limited (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.