L&T Finance
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L&T Finance share price

L&T Finance Ltd.

NSE: LTF BSE: 533519 SECTOR: Finance - NBFC  201k   943   267

167.55
-0.20 (-0.12%)
NSE: Today, 09:34 AM

Price Summary

Today's High

₹ 169

Today's Low

₹ 166.5

52 Week High

₹ 179

52 Week Low

₹ 93.5

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 41717.26 Cr.

Advances

₹ 0 Cr.

No. of Shares

248.98 Cr.

P/E

18.25

P/B

1.8

Face Value

₹ 10

Div. Yield

1.49 %

Book Value (TTM)

₹  93.16

Operating Revenue

₹ 347.37 Cr.

Net Profit

₹ 2571.7 Cr.

Promoter Holding

65.86 %

EPS (TTM)

₹  9.18

Sales Growth

3.42

ROE

20.82 %

ROCE

25.04%

Profit Growth

1078.71 %

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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 23 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
50901.75
  -33.4000000000015 (-0.0655735773822275%)

NIFTYALPHA

Nifty Alpha 50
50451.05078125
  -585.049218749999 (-1.14634389922035%)

NFTY200MOM30

Nifty200 Momentum 30
32796.44921875
  -395.600781250003 (-1.19185401700107%)

NIFTY500

Nifty 500
20985.25
  25.7000000000007 (0.122617136341185%)

NIFTYMIDCAP150

Nifty Midcap 150
18883.94921875
  -23.7507812500007 (-0.125614333049506%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
17807.349609375
  -25.3003906250015 (-0.141876785699269%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
14569.849609375
  4.19960937500036 (0.0288322826307086%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
14515.900390625
  6.10039062500073 (0.0420432440488616%)

MIDCAP50

Nifty Midcap 50
14209.5498046875
  20.2498046875007 (0.142711794715034%)

NIFTY200

Nifty 200
12673.2001953125
  22.0501953125004 (0.174293999458541%)

NIFTYTOTALMCAP

Nifty Total Market index
11796.2001953125
  12.5001953124993 (0.106080393361152%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
23986.94
  -18.2700000000004 (-0.0761084781178756%)

NIFTYHIGHBETA

Nifty High Beta 50
4018.39
  -22.5700000000002 (-0.558530646183086%)

NIFTYFULLMIDCAP100

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

MIDCAP

S&P Bse Mid Cap
42243.06
  -171.470000000001 (-0.404271837976278%)

BSE500

S&P Bse 500
33118.7
  40.0699999999997 (0.121135609304246%)

MID150

S&P Bse 150 MidCap
14266.25
  -47.6000000000004 (-0.332545052519062%)

MSL400

S&P Bse 400 MidSmallCap
10874.61
  -29.6999999999989 (-0.272369365874581%)

FIN

S&P Bse Finance
10801.58
  9 (0.0833906257817763%)

LMI250

S&P Bse 250 LargeMidCap
9825.97
  14.5199999999986 (0.14799035820392%)

ALLCAP

S&P Bse Allcap
9662.66
  9.77000000000044 (0.101213211794615%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
9758.19
  -61.1700000000001 (-0.622953023414974%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
11967.34
  -46.0699999999997 (-0.38348811869402%)

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 Year3.42%
3 Year-9.93%
5 Year-5.24%

Profit Growth

1 Year1078.71%
3 Year112.82%
5 Year57.42%

ROE%

1 Year20.82%
3 Year8.02%
5 Year6.21%

ROCE %

1 Year25.04%
3 Year10.31%
5 Year8.15%

ROA%

20.3527563118118

PEG Ratio

0.02

PAT Margin (%)

740.334513630999

EPS Growth(%)

1076.0251280594

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 65.86 0
Dec 2023 65.9 0
Sep 2023 66.02 0
Jun 2023 66.1 0
Mar 2023 66.11 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 675.374856620846%.
  • Company has maintained a good ROA of 7.70373221898383% in last 3 years.
  • The company is trading at 1.49435215556571 times the book value
  • Promoters shareholding is 65.86%.

 Limitations

  • The company has delivered poor profit growth of -9.93294036782175% over past 3 years
  • The company has delivered poor Operating Income growth of -9.93294036782175% over past 3 years.
  • Provision and contingencies have increased by 144%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 3324.14 51.15 44.94 3533.38 3669.74
Other Income 202.04 5.23 7.25 47.52 5.95
Interest Expended 1444.9 0.01 0.03 1353.43 1335.08
Operating Expenses 1235.11 9.72 12.23 1381.3 1631.55
Total Provisions 0 0 0 0 0
Depreciation 26.96 0.04 0.04 27.74 26.1
Profit Before Tax 819.21 46.61 39.89 818.43 682.96
Tax 242.65 11.85 10.1 182.77 138.08
Net Profit 576.56 34.76 29.79 635.66 544.88
Adjusted EPS (RS) 2.33 0.14 0.12 2.56 2.19

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 482.11 475.44 171.26 335.87 347.37
Other Income 48.28 46.94 20.16 14.62 12.66
Interest 202.05 200.75 192.96 73.49 6.05
Operating Expenses 23.17 37.1 26.03 22.32 70.26
Total Provisions 1.14 0.79 8.32 0.25 0.61
Exceptional Items 0 0 224.68 0 2858.09
Profit Before Tax 304.03 283.74 188.79 254.43 3141.2
Tax 36.97 16.93 72.74 36.25 569.5
Profit After Tax 267.06 266.81 116.05 218.18 2571.7
Adjusted EPS (Rs.) 1.24 1.24 0.47 0.88 10.37

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 1998.81 2004.83 2469.45 2474.04 2479.67
Total Reserves 5831.54 5840.02 8540.84 8797.09 11273.1
Borrowings 1032.29 1717.84 1324.47 99.82 0
Other N/C liabilities -31.47 -0.29 -0.34 0.32 -0.6
Current liabilities 1184.05 1775.13 504.92 52.75 95.08
Total Liabilities 10015.22 11337.53 12839.34 11424.02 13847.25
Assets
Loans 0 0 0 0 0
Net Block 0.79 0.96 0.93 0.56 0.29
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 9146.19 10152.58 10069.68 9202.12 11377.5
Other Loans 1.21 30.45 20.47 25.17 28.9
Other N/C Assets 0 0 0 867.56 0
Current Assets 867.03 1153.54 2748.26 1328.61 2440.56
Total Assets 10015.22 11337.53 12839.34 11424.02 13847.25
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 66.11 66.10 66.02 65.90 65.86
larsen and toubro limited... 66.11 66.10 66.02 65.90 65.86
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 33.89 33.90 33.98 34.10 34.14
bnp paribas financial mar... - - - 2.43 2.43
icici prudential life ins... 2.04 2.01 1.97 1.74 1.51
investor education and pr... - - - 0.01 0.01
l&t employees welfare fou... - - - 1.02 1.02
life insurance corporatio... 2.15 1.95 1.95 1.94 1.94
llp 0.03 0.05 0.06 0.07 0.04
max life insurance co lt... - - - 1.21 -
bnp paribas arbitrage - o... 2.34 2.33 3.57 - -
government pension fund g... - - 1.05 - -
investor education and pr... 0.01 0.01 0.01 - -
bc asia growth investment... 2.67 2.67 - - -
bc investments vi limited... 1.37 1.37 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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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 penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry 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.

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 2571.7 Cr and the compounded growth of profit in the past 3 years is 112.815270431436 %. The PAT margin of L&T Finance is 740.334513630999 %.

  • 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 1075.9950107722 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): L&T Finance has a healthy ROE track record. The ROE of L&T Finance is at 20.8233216019796 % 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 167.75. The stock is trading at a current P/E ratio of 7.90947922592589 and the average historical P/E for the last 5 years was 91.1478781965517.

  • 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 1.8006 . The average historical P/B of L&T Finance for the last 5 years was 2.15530129436924. 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 167.75. 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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