L&T Finance
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L&T Finance share price

L&T Finance Ltd.

NSE: LTF BSE: 533519 SECTOR: Finance - NBFC  3.14 L   1.14 K   322

209.00
+0.75 (0.36%)
NSE: Today, 02:34 PM

Price Summary

Today's High

₹ 210.82

Today's Low

₹ 207.71

52 Week High

₹ 211.2

52 Week Low

₹ 129.2

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 52202.17 Cr.

Advances

₹ 57912.28 Cr.

No. of Shares

249.77 Cr.

P/E

19.94

P/B

2.07

Face Value

₹ 10

Div. Yield

1.31 %

Book Value (TTM)

₹  100.84

Operating Revenue

₹ 15912.13 Cr.

Net Profit

₹ 2617.81 Cr.

Promoter Holding

66.24 %

EPS (TTM)

₹  10.48

Sales Growth

17.22

ROE

10.85 %

ROCE

8.71%

Profit Growth

14.5 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 25Indices.

NFT150MOM50

Nifty Midcap150 Momentum 50
62788.35
  -62.5500000000029 (-0.099521247905765%)

NIFTYMIDCAP

NIFTY Midcap 100
59244.85
  -170.599999999999 (-0.287130704219185%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
30273.4
  113.050000000003 (0.374829867690529%)

NIFTY500

Nifty 500
23529.85
  -42.7000000000007 (-0.181142897140962%)

NIFTYMIDCAP150

Nifty Midcap 150
21840.85
  -45.3000000000029 (-0.206980213514041%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20397.55
  -0.5 (-0.00245121469943932%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
18704.9
  -3.14999999999782 (-0.0168376714836493%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18188.75
  -5.65000000000146 (-0.0310535109704135%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
16491.2
  -38.0999999999985 (-0.230499779179993%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16455.3
  -14.25 (-0.0865233112015806%)

NFT500EQUAL

Nifty 500 Equal Weight
14607.85
  13.6000000000004 (0.0931873854429055%)

NIFTY200

Nifty 200
14196.3
  -36.9500000000007 (-0.259603393462493%)

NIFTYTOTALMCAP

Nifty Total Market index
13244.85
  -21.2999999999993 (-0.160559016745621%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

NIFTYHIGHBETA

Nifty High Beta 50
3820.9
  -11.5499999999997 (-0.301373794830972%)

MIDCAP

S&P Bse Mid Cap
46650.34
  -98.070000000007 (-0.209782535919423%)

BSE500

S&P Bse 500
36930.96
  -68.0599999999977 (-0.183950818156797%)

MID150

S&P Bse 150 MidCap
16231.37
  -27.619999999999 (-0.169875250553686%)

FIN

S&P Bse Finance
12821.76
  3.30999999999949 (0.0258221547847048%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
12300.83
  0.459999999999127 (0.0037397249025739%)

BSE1000

Bse 1000
11004.64
  -16.8600000000006 (-0.152973733157924%)

LMI250

S&P Bse 250 LargeMidCap
10955.08
  -26.4200000000001 (-0.240586440832313%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
10319.66
  72.75 (0.709970127579918%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year17.22%
3 Year261.84%
5 Year101.8%

Profit Growth

1 Year14.5%
3 Year128.93%
5 Year57.89%

ROE%

1 Year10.85%
3 Year11.03%
5 Year7.27%

ROCE %

1 Year8.71%
3 Year10.45%
5 Year7.44%

ROA%

2.3932

PEG Ratio

1.4

PAT Margin (%)

16.4517

EPS Growth(%)

14.231

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 66.24 0.00
Dec 2024 66.25 0.00
Sep 2024 66.29 0.00
Jun 2024 66.37 0.00
Mar 2024 65.86 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.5176 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 261.837396139756%.
  • The company has delivered substantial profit growth of 128.932646235292% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 269.254792351759%.
  • Promoters shareholding is 66.24%.

 Limitations

  • Provision and contingencies have increased by 23.5058761423654%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 3669.74 3782.09 4015.2 4095.09 4019.75
Other Income 5.95 0.56 5.05 7.7 4.68
Interest Expended 1335.08 1351.4 1476.27 1569.23 1599.83
Operating Expenses 1631.55 1491.1 1582.84 1684.27 1587.28
Total Provisions 0 0 0 0 0
Depreciation 26.1 27.01 31.81 34.69 39.46
Profit Before Tax 682.96 913.14 929.33 814.6 797.86
Tax 138.08 234.22 240.21 195.42 167.27
Net Profit 544.88 678.92 689.12 619.18 630.59
Adjusted EPS (RS) 2.19 2.73 2.76 2.48 2.53

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 171.26 335.87 12898.2 13574.43 15912.13
Other Income 20.16 14.62 2572.14 2152.23 2254.04
Interest 192.96 73.49 5822.21 5386.64 6006.65
Operating Expenses 26.03 22.32 2808.16 3527.52 3979.13
Total Provisions 8.32 0.25 4487.14 3825.86 4725.46
Exceptional Items 224.68 0 170.92 0 0
Profit Before Tax 188.79 254.43 2523.75 2986.64 3454.93
Tax 72.74 36.25 603.88 700.41 837.12
Profit After Tax 116.05 218.18 1919.87 2286.23 2617.81
Adjusted EPS (Rs.) 0.47 0.88 7.74 9.19 10.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 2469.45 2474.04 2479.67 2488.94 2494.87
Total Reserves 8540.84 8797.09 18839.17 20706.02 22799.85
Borrowings 1324.47 99.82 60096.44 33028.75 39593.53
Other N/C liabilities -0.34 0.32 -1841.32 -1768.73 -1625.1
Current liabilities 504.92 52.75 24611.81 46053.37 55001.02
Total Liabilities 12839.34 11424.02 104185.77 100508.35 118264.17
Assets
Loans 1297.19 1150.25 75154.55 47012.17 57912.28
Net Block 0.93 0.56 216.46 207.69 332.74
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 4.81 35.62 45
Investments 10069.68 9202.12 14387.79 7153.06 6228.88
Other Loans 20.47 25.17 674.7 289.52 311.4
Other N/C Assets 0 867.56 0 658.24 836.73
Current Assets 1451.07 178.36 13747.46 45152.05 52597.14
Total Assets 12839.34 11424.02 104185.77 100508.35 118264.17
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 65.86 66.37 66.29 66.25 66.24
larsen and toubro limited... 65.86 66.37 66.29 66.25 66.24
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 34.14 33.63 33.71 33.75 33.76
icici prudential life ins... 1.51 1.50 1.46 1.44 1.44
invesco india flexi cap f... - - - 1.17 1.29
investor education and pr... - - 0.01 - 0.01
l&t employees welfare fou... 1.02 1.46 1.46 1.61 1.61
life insurance corporatio... 1.94 1.94 1.94 2.07 2.28
llp 0.04 0.04 0.03 0.02 0.01
mirae asset large & midca... - 1.74 2.57 2.88 3.46
tata aia life insurance c... - - - 1.46 1.54
investor education and pr... 0.01 0.01 - 0.01 -
invesco india arbitrage f... - 1.23 1.07 - -
bnp paribas financial mar... 2.43 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2025
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit CARE
Credit ICRA
Credit CARE
TYPE AGENCY Link
TYPE AGENCY Link
Research Geojit
Research HDFC Securities
Research HDFC Securities
Research Nuvama
Research Geojit BNP Paribas

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY22
Concall Q3FY24
Concall Q2FY25
Concall Q2FY24
Concall Q1FY25
Concall Q1FY24
Concall Q1FY20
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY25
Presentation Q4FY24
Presentation Q4FY22
Presentation Q4FY22
Presentation Q4FY21
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY23
Presentation Q3FY23
Presentation Q3FY22
Presentation Q2FY25
Presentation Q2FY25
Presentation Q2FY25
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY20
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY23

Company News

L&T Finance informs about updates 3 Jul, 5:45 PM L&T Finance informs about allotment of ESOP 28 Jun, 1:21 PM L&T Finance completes acquisition of Paul Merchants Finance's Gold Loan Business 9 Jun, 11:08 AM L&T Finance informs about disclosure 9 Jun, 10:13 AM L&T Finance raises Rs 1500 crore through NCDs 27 May, 5:45 PM L&T Finance informs about press release 9 May, 5:20 PM L&T Finance reports 15% jump in Q4 consolidated net profit 28 Apr, 4:29 PM L&T Finance - Quaterly Results 25 Apr, 7:12 PM L&T Finance - Quaterly Results 25 Apr, 7:12 PM L&T Finance raises Rs 1000 crore through NCDs 16 Apr, 11:52 AM L&T Finance informs about conference call 9 Apr, 5:21 PM L&T Finance reports 19% growth in retail loan book during Q4FY25 4 Apr, 12:59 PM L&T Finance informs about credit rating 15 Mar, 11:03 AM L&T Finance informs about investors meet 6 Mar, 5:16 PM L&T Finance raises Rs 360 crore through NCDs 13 Feb, 4:16 PM L&T Finance enters into gold loan business 8 Feb, 4:15 PM L&T Finance informs about change in the senior management 5 Feb, 10:57 AM L&T Finance launches Knowledgeable AI on new corporate website 3 Feb, 12:45 PM L&T Finance informs about change in senior management personnel 25 Jan, 3:55 PM L&T Finance reports marginal fall in Q3 consolidated net profit 21 Jan, 12:41 PM L&T Finance - Quaterly Results 20 Jan, 6:36 PM L&T Finance - Quaterly Results 20 Jan, 6:36 PM L&T Finance informs about allotment of equity shares 20 Jan, 11:32 AM L&T Finance informs about disclosure 18 Jan, 3:42 PM L&T Finance raises Rs 500 crore through NCDs 14 Dec, 3:00 PM L&T Finance submits investor presentation 25 Nov, 5:15 PM L&T Finance’s consolidated net profit rises 17% in Q2FY25 19 Oct, 1:00 PM L&T Finance - Quaterly Results 18 Oct, 6:44 PM L&T Finance - Quaterly Results 18 Oct, 6:44 PM L&T Finance informs about allotment under ESOP 18 Oct, 5:07 PM L&T Finance informs about board meeting 4 Oct, 4:50 PM L&T Finance raises Rs 100 crore through NCDs 14 Sep, 12:10 PM L&T Finance informs about analyst meet 11 Sep, 2:42 PM L&T Finance raises Rs 175 crore through NCDs 5 Sep, 5:42 PM L&T Finance informs about transcript of analyst meet 25 Jul, 5:08 PM L&T Finance informs about earnings call transcript 25 Jul, 5:02 PM L&T Finance reports 29% rise in Q1 consolidated net profit 17 Jul, 12:45 PM L&T Finance - Quaterly Results 16 Jul, 7:14 PM L&T Finance - Quaterly Results 16 Jul, 7:14 PM L&T Finance informs about closure of trading window 29 Jun, 5:20 PM L&T Finance aiming at 25% CAGR over next few years 16 May, 3:50 PM L&T Finance reports 11% rise in Q4 consolidated net profit 29 Apr, 12:02 PM L&T Finance - Quaterly Results 27 Apr, 7:21 PM L&T Finance - Quaterly Results 27 Apr, 7:21 PM L&T Finance informs about allotment of ESOP 27 Apr, 5:04 PM L&T Finance informs about disclosure 10 Apr, 3:35 PM L&T Finance Holdings reports 33% rise in retail disbursements during Q4FY24 4 Apr, 11:12 AM L&T Finance Holdings informs about disclosure 15 Mar, 3:35 PM L&T Finance Holdings informs about disclosure 12 Mar, 4:52 PM L&T Finance Holdings raises Rs 221 crore through NCDs 21 Feb, 5:58 PM

L&T Finance Stock Price Analysis and Quick Research Report. Is L&T Finance an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

L&T Finance stock price today is Rs 209. To understand the functions of the L&T Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of L&T Finance is Rs 2617.81 Cr and the compounded growth of profit in the past 3 years is 128.930750090982 %. The PAT margin of L&T Finance is 16.4517 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In L&T Finance , the EPS grew by 14.231 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): L&T Finance has a average ROE track record. The ROE of L&T Finance is at 10.8465 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of L&T Finance is worth at the current levels at Rs 209. The stock is trading at a current P/E ratio of 14.6005 and the average historical P/E for the last 5 years was 67.50326.

  • P/B ratio can be one of the best metrics to value such companies. Currently, L&T Finance is trading at a P/B of 2.0849 . The average historical P/B of L&T Finance for the last 5 years was 1.63352. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of L&T Finance is Rs 209. One can use valuation calculators of ticker to know if L&T Finance share price is undervalued or overvalued.

Last Updated on:
Brief about L&T Finance
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