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L&T Finance Ltd

L&T Finance

Large Cap•36,521 Employees•IPO 2011
Current Price
₹271.05
-4.75 (-1.72%)Updated
NSE :LTF
BSE :533519
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
23.84vs 19.86
P/B Ratio
2.54vs 2.24
Div Yield
0.92%vs 0.55%
Today's Range
₹265.55
₹271.05
union icon
₹273.70
52 Week Range
52W Low₹134.13
52W High₹329.45
₹271.05
union icon
Downside102.08%
Upside21.55%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹74,569.36 Cr
Market Cap
Total market value of company
P/E Ratio
26.53
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
2.36
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹11.21
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
5.28%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
8.71%
ROCE
Return on Capital Employed. >15% is good
Net Margin
16.44%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
5.89%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
1.73%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
7.87%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
5.64%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.61
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹102.47
Book Value
Net asset value per share
Dividend Yield
0.92%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
66.10%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

4 points
  • •L&T Finance exhibits a robust Return on Equity (ROE) of 10.80% and an impressive Operating Profit Margin (OPM) of 60.80%, highlighting strong profitability and highly efficient operational management.
  • •The company benefits from a significant promoter holding of 66.10% as of September 2025, indicating strong insider confidence and stability in the company's long-term strategic direction.

Weaknesses

4 points
  • •The company carries a high debt-to-equity ratio of 3.72, which signifies substantial financial leverage and could expose it to increased interest rate risks and economic downturns.
  • •L&T Finance's Return on Capital Employed (ROCE) at 8.71% is relatively low compared to several industry peers, suggesting potential inefficiencies in capital allocation and utilization.

Opportunities

3 points
  • •Continued economic growth and increasing financialization in the broader market present significant opportunities for L&T Finance to expand its lending and investment portfolios.
  • •There is potential for the company to explore new geographical markets or diversify into emerging financial product segments, tapping into unmet customer demands and expanding its reach.

Threats

3 points
  • •Intensifying competition from established banks and agile fintech players poses a significant threat, potentially impacting market share and pricing power in key financial segments.
  • •Adverse fluctuations in interest rates could increase the company's borrowing costs, given its high debt, thereby squeezing net interest margins and impacting overall profitability.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹290.95+₹19.90+7.34%
R3₹282.80+₹11.75+4.33%
R2₹278.25+₹7.20+2.66%
R1₹274.65+₹3.60+1.33%
PIVOT₹270.10-0.95-0.35%
CURRENT₹271.05--
S1₹250.20-₹20.85-7.69%
S2₹258.35-₹12.70-4.69%
S3₹261.95-₹9.10-3.36%
S4₹266.50-₹4.55-1.68%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
8.23M
(04 Mar 2026)
-15.4% vs avg
Delivery %
53.9%
(04 Mar 2026)
+10.2% vs avg
Avg Volume (20D)
9.73M
(04 Feb - 04 Mar)
20-day average
Avg Delivery %
43.7%
(04 Feb - 04 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
ABCAPITAL
Aditya Birla Capital Ltd
BAJAJFINSV
Bajaj Finserv Ltd
BAJFINANCE
Bajaj Finance Ltd
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
HDBFS
HDB Financial Services Ltd
JIOFIN
Jio Financial Services Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
MUTHOOTFIN
Muthoot Finance Ltd
POONAWALLA
Poonawalla Fincorp Ltd
SBICARD
SBI Cards & Payment Services Ltd
SHRIRAMFIN
Shriram Finance Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP
UYFINCORP
U. Y. Fincorp Ltd

About

LTF

L&T Finance Ltd

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.

COMPANY FACTS - LTF

Registered Address

Brindavan, Plot no. 177,CST Road, Kalina, Santacruz (East)

Mumbai

MAHARASHTRA

IN

Tel: 912262125000

Website:https://www.ltfinance.com/

Investor Relations:http://www.ltfs.com/investors.html
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 36,521

IPO Date: 12/08/2011

MANAGEMENT - LTF

Mr. Sekharipuram Subrahmanyan

Non-Executive Chairperson of the Board

Mr. Sudipta Roy

Chief Executive Officer, Managing Director, Executive Director

Mr. Sachinn Joshi

Chief Financial Officer

Mr. Asheesh Goel

Chief Executive - Farmer Finance

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

Mr. Nilesh Dange

Chief Human Resources Officer

Ms. Kavita Jagtiani

Chief Marketing Officer

Ms. Apurva Rathod

Compliance Officer, Company Secretary, Chief Sustainability Officer

Mr. Ramesh Aithal

Chief Digital Officer

Investor Questions Answered

L&T Finance Ltd (LTF) Stock FAQs

Get answers to the most common questions about L&T Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of L&T Finance Ltd (LTF) is ₹271.05. Today, the stock has declined by ₹4.75 (1.72%), trading in a range of ₹265.55 to ₹273.7. The stock opened at ₹270.6 with a trading volume of 82,34,278 shares.
L&T Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹74,569.36 crores, P/E ratio of 26.53, ROE of 5.28%, and ROCE of 8.71%. The dividend yield stands at 0.92%. 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.
The 52-week high price of L&T Finance Ltd (LTF) is ₹329.45, while the 52-week low is ₹134.13. Currently trading at ₹271.05, the stock is 70.1% away from its 52-week low and 17.7% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy L&T Finance Ltd stock at ₹271.05 depends on multiple factors. The stock is currently trading with a P/E ratio of 26.53 and P/B ratio of N/A. Today's performance shows a loss of 1.72%. 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.
L&T Finance Ltd offers a dividend yield of 0.92%, which means for every ₹100 invested at the current price of ₹271.05, you can expect to receive approximately ₹0.92 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.
L&T Finance Ltd's key financial metrics include: P/E Ratio: 26.53, P/B Ratio: N/A, ROE: 5.28%, ROCE: 8.71%, Dividend Yield: 0.92%, EPS: ₹11.21, Book Value: ₹102.47, Debt-to-Equity: 3.61, and Current Ratio: N/A. The company's market cap stands at ₹74,569.36 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
L&T Finance Ltd stock opened at ₹270.6 and is currently trading at ₹271.05, showing a decline of ₹4.75 (1.72%). The intraday high is ₹273.7 and low is ₹265.55. The trading volume stands at 82,34,278 shares, indicating strong market participation today.
L&T Finance Ltd has a Price-to-Earnings (P/E) ratio of 26.53, which means investors are willing to pay ₹26.53 for every ₹1 of earnings. With an EPS of ₹11.21, 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.
L&T Finance Ltd has a market capitalization of ₹74,569.36 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹271.05) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
L&T Finance Ltd has a book value of ₹102.47 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹271.05, which is 164.5% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
L&T Finance Ltd has a Return on Equity (ROE) of 5.28% and Return on Capital Employed (ROCE) of 8.71%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
L&T Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
L&T Finance Ltd has a debt-to-equity ratio of 3.61, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
L&T Finance Ltd has an Earnings Per Share (EPS) of ₹11.21, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹271.05 and P/E ratio of 26.53, investors are paying 26.53 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
L&T Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
L&T Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze L&T Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (26.53), ROE (5.28%), debt-to-equity (3.61), and growth rates. 2) Technical Analysis - Check 52-week range (₹134.13 - ₹329.45), moving averages, and chart patterns. 3) Valuation - Compare current price (₹271.05) with book value (₹102.47) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of L&T Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹271.05 is 2611x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in L&T Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹134.13 - ₹329.45). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.61 indicates leverage. 4) Liquidity Risk - Based on trading volume of 82,34,278 shares. 5) Valuation Risk - P/E of 26.53 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
L&T Finance Ltd operates in the industry with key metrics: P/E ratio of 26.53, ROE of 5.28%, market cap of ₹74,569.36 crores, and dividend yield of 0.92%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.61), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for L&T Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹271.05, with a 52-week range of ₹134.13 to ₹329.45. Based on fundamentals like P/E (26.53), ROE (5.28%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling L&T Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹271.05. 2) Fundamental Deterioration - Declining ROE (currently 5.28%), increasing debt (D/E: 3.61), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for L&T Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.92%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.