L&T Finance
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L&T Finance share price

L&T Finance Ltd.

NSE: LTF BSE: 533519 SECTOR: Finance - NBFC  267k   1k   280

137.75
-2.00 (-1.43%)
BSE: Today, 04:00 PM

Price Summary

Today's High

₹ 139

Today's Low

₹ 135.5

52 Week High

₹ 194.2

52 Week Low

₹ 134.1

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
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

₹ 34358.56 Cr.

Advances

₹ 81359.39 Cr.

No. of Shares

249.43 Cr.

P/E

13.48

P/B

1.43

Face Value

₹ 10

Div. Yield

1.81 %

Book Value (TTM)

₹  96.27

Operating Revenue

₹ 13574.43 Cr.

Net Profit

₹ 2286.23 Cr.

Promoter Holding

66.29 %

EPS (TTM)

₹  10.22

Sales Growth

5.24

ROE

10.33 %

ROCE

8.22%

Profit Growth

19.08 %

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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
54385.35
  -162.900000000001 (-0.298634694971889%)

NIFTY500

Nifty 500
21820.85
  -183.5 (-0.833926019173481%)

NIFTYMIDCAP150

Nifty Midcap 150
20180.9
  -77.1999999999971 (-0.381082135047206%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
18989.75
  -86.25 (-0.452138813168379%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15270.4
  -112.75 (-0.732944812993441%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
15236.4
  -104.300000000001 (-0.679890748140577%)

MIDCAP50

Nifty Midcap 50
15167.55
  -17.4500000000007 (-0.114916035561419%)

NIFTY200

Nifty 200
13129.7
  -115.099999999999 (-0.869020294757172%)

NIFTYTOTALMCAP

NIFTY Total Market
12302.6
  -103.449999999999 (-0.833867346979889%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
24992.45
  12.7000000000007 (0.0508411813568976%)

NFT500EQUAL

Nifty 500 Equal Weight
13723.64
  100.23 (0.735718883891767%)

NFTMIDSMLFINSER

Nifty MidSmall Financial Services
15186.06
  95.1999999999989 (0.630845425641735%)

NIFTYHIGHBETA

Nifty High Beta 50
3567.01
  17.5700000000002 (0.495007663180669%)

NIFTYFULLMIDCAP100

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

MIDCAP

Bse MidCap
44467.99
  -162.970000000001 (-0.365150111043999%)

BSE500

Bse 500
34361.41
  -289.419999999998 (-0.835246947908597%)

MID150

Bse 150 MidCap Index
15286.7
  -56.0499999999993 (-0.365319124667995%)

MSL400

Bse 400 MidSmallCap Index
11623.42
  -57.1299999999992 (-0.489103680905434%)

FINSER

BSE Financial Services
11180.3
  -73.2000000000007 (-0.650464299995568%)

LMI250

Bse 250 LargeMidCap Index
10169.78
  -87.0299999999988 (-0.848509429344979%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P LARGEMIDCAP

Bse LargeMidCap
10145.52
  39.9300000000003 (0.395127845083754%)

S&P MIDSMLCAP

Bse MidSmallCap
12963.76
  118.380000000001 (0.921576473409114%)

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 Year5.24%
3 Year329.55%
5 Year94.95%

Profit Growth

1 Year19.08%
3 Year170.08%
5 Year53.64%

ROE%

1 Year10.33%
3 Year8.07%
5 Year5.79%

ROCE %

1 Year8.22%
3 Year8.45%
5 Year6.61%

ROA%

2.2338

PEG Ratio

0.72

PAT Margin (%)

16.8422

EPS Growth(%)

18.6402

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 66.29 0.00
Jun 2024 66.37 0.00
Mar 2024 65.86 0.00
Dec 2023 65.90 0.00
Sep 2023 66.02 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.7051 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 329.551813919236%.
  • The company has delivered substantial profit growth of 170.079481693405% over past 3 years.
  • Promoters shareholding is 66.29%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 3213.77 3533.38 3669.74 3782.09 4015.2
Other Income 261.92 47.52 5.95 0.56 5.05
Interest Expended 1324.9 1353.43 1335.08 1351.4 1476.27
Operating Expenses 1343.08 1381.3 1631.55 1491.1 1582.84
Total Provisions 0 0 0 0 0
Depreciation 26.81 27.74 26.1 27.01 31.81
Profit Before Tax 780.9 818.43 682.96 913.14 929.33
Tax 199.52 182.77 138.08 234.22 240.21
Net Profit 581.38 635.66 544.88 678.92 689.12
Adjusted EPS (RS) 2.34 2.56 2.19 2.73 2.76

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 475.44 171.26 335.87 12898.2 13574.43
Other Income 46.94 20.16 14.62 2572.14 2152.23
Interest 200.75 192.96 73.49 5822.21 5400.03
Operating Expenses 37.1 26.03 22.32 2808.16 3495.9
Total Provisions 0.79 8.32 0.25 4487.14 3844.09
Exceptional Items 0 224.68 0 170.92 0
Profit Before Tax 283.74 188.79 254.43 2523.75 2986.64
Tax 16.93 72.74 36.25 603.88 700.41
Profit After Tax 266.81 116.05 218.18 1919.87 2286.23
Adjusted EPS (Rs.) 1.24 0.47 0.88 7.74 9.19

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 2004.83 2469.45 2474.04 2479.67 2488.94
Total Reserves 5840.02 8540.84 8797.09 18839.17 20706.02
Borrowings 1717.84 1324.47 99.82 60096.44 56243.57
Other N/C liabilities -0.29 -0.34 0.32 -1841.32 -1842.48
Current liabilities 1775.13 504.92 52.75 24611.81 22912.3
Total Liabilities 11337.53 12839.34 11424.02 104185.77 100508.35
Assets
Loans 0 0 0 75154.55 81359.39
Net Block 0.96 0.93 0.56 216.46 207.69
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 4.81 35.62
Investments 10069.68 10069.68 9202.12 6902.28 7153.07
Other Loans 30.45 20.47 25.17 674.7 289.52
Other N/C Assets 82.9 0 867.56 0 0
Current Assets 1153.54 2748.26 1328.61 21232.97 11463.06
Total Assets 11337.53 12839.34 11424.02 104185.77 100508.35
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 66.02 65.90 65.86 66.37 66.29
larsen and toubro limited... 66.02 65.90 65.86 66.37 66.29
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 33.98 34.10 34.14 33.63 33.71
icici prudential life ins... 1.97 1.74 1.51 1.50 1.46
invesco india arbitrage f... - - - 1.23 1.07
investor education and pr... 0.01 - - - 0.01
l&t employees welfare fou... - 1.02 1.02 1.46 1.46
life insurance corporatio... 1.95 1.94 1.94 1.94 1.94
llp 0.06 0.07 0.04 0.04 0.03
mirae asset large & midca... - - - 1.74 2.57
investor education and pr... - 0.01 0.01 0.01 -
bnp paribas financial mar... - 2.43 2.43 - -
max life insurance co lt... - 1.21 - - -
bnp paribas arbitrage - o... 3.57 - - - -
government pension fund g... 1.05 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 Holdings raises Rs 205 crore through NCDS 30 Jan, 9:29 AM L&T Finance Holdings reports 41% rise in Q3 consolidated net profit 24 Jan, 2:08 PM L&T Finance Holdings - Quaterly Results 23 Jan, 7:12 PM L&T Finance Holdings - Quaterly Results 23 Jan, 7:12 PM L&T Finance Holdings raises Rs 150 crore through NCDs 19 Jan, 12:00 PM L&T Finance Holdings completes merger of subsidiaries with itself 4 Dec, 10:58 AM L&T Finance Holdings informs about disclosure 4 Dec, 9:49 AM L&T Finance Holdings - Quaterly Results 20 Oct, 6:14 PM L&T Finance Holdings - Quaterly Results 20 Oct, 6:14 PM Bain Capital divests 2.8% stake in L&T Finance Holdings 13 Sep, 11:29 AM L&T Finance Holdings informs about disclosure 5 Sep, 12:15 PM L&T Finance Holdings reports over 2-fold jump in Q1 consolidated net profit 20 Jul, 11:18 AM L&T Finance Holdings - Quaterly Results 19 Jul, 5:23 PM L&T Finance Holdings - Quaterly Results 19 Jul, 5:23 PM L&T Finance Holdings - Quaterly Results 19 Jul, 5:23 PM L&T Finance Holdings informs about conference call 14 Jul, 2:54 PM L&T Finance Holdings informs about allotment of equity shares 14 Jul, 12:13 PM L&T Finance Holdings informs about press release 1 Jul, 3:14 PM L&T Finance Holdings informs about outcome of board meeting 8 Jun, 5:10 PM L&T Finance Holdings reports 46% rise in Q4 consolidated net profit 28 Apr, 6:26 PM L&T Finance Holdings - Quaterly Results 28 Apr, 5:11 PM L&T Finance Holdings - Quaterly Results 28 Apr, 5:11 PM L&T Finance Holdings - Quaterly Results 28 Apr, 5:11 PM L&T Finance Holdings informs about analyst meet 24 Apr, 3:57 PM L&T Finance Holdings conferred Dun & Bradstreet ESG Award 2023 for ‘Business Sustainability’ 28 Mar, 12:36 PM L&T Finance Holdings informs about transcript of the investor meet 23 Jan, 12:32 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 137.74. 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 2286.23 Cr and the compounded growth of profit in the past 3 years is 170.076798342561 %. The PAT margin of L&T Finance is 16.8422 %.

  • 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 18.6402 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): L&T Finance has a average ROE track record. The ROE of L&T Finance is at 10.3302 % 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 137.74. The stock is trading at a current P/E ratio of 17.2172 and the average historical P/E for the last 5 years was 72.3077972536569.

  • 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 1.4298 . The average historical P/B of L&T Finance for the last 5 years was 1.59892414593564. 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 137.74. 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

L&T Finance Holdings Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

 

L&T Finance Holdings Ltd. is a leading financial services company in India that offers a wide range of financial products and services to its customers.  We will take a closer look at L&T Finance Holdings Ltd. stock analysis page and explore various aspects of the company that can help long-term investors make informed investment decisions.

L&T Finance Holdings Ltd. Share Price

L&T Finance Holdings Ltd.'s share price has been on a steady upward trend in recent years. The company's strong financial performance and growth prospects have attracted a lot of investor interest, leading to an increase in demand for its shares. Investors can track the company's share price on Ticker's stock analysis page, which provides real-time updates on the stock's performance.

L&T Finance Holdings Ltd. Balance Sheet

L&T Finance Holdings Ltd.'s balance sheet is a reflection of its financial health and stability. The company has a strong balance sheet, with a healthy mix of debt and equity. Ticker pre-built screening tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach and DuPont analysis can help investors evaluate the company's financial performance and calculate its fair value. Investors can access the company's balance sheet on Ticker's stock analysis page, along with other financial data such as quarterly results and profit and loss statements.

L&T Finance Holdings Ltd. Annual Report

L&T Finance Holdings Ltd.'s annual report provides a comprehensive overview of the company's performance over the past year. The report includes detailed information on the company's financials, operations, and growth prospects. Investors can download the company's annual report from Ticker's stock analysis page. The report can help investors gain a better understanding of the company's business model, competitive landscape, and growth potential.

L&T Finance Holdings Ltd. Dividend

L&T Finance Holdings Ltd. has a track record of paying dividends to its shareholders. The company's dividend policy is based on its financial performance and growth prospects. Investors can access the company's dividend history on Ticker's stock analysis page. 

L&T Finance Holdings Ltd. Quarterly Result

L&T Finance Holdings Ltd.'s quarterly results provide a snapshot of the company's financial performance over the past quarter. The results include information on the company's revenue, profits, and margins. Investors can download the company's quarterly results from Ticker's stock analysis page. Ticker pre-built screening tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach and DuPont analysis can help investors evaluate the company's financial performance and calculate its fair value.

L&T Finance Holdings Ltd. Stock Price

L&T Finance Holdings Ltd.'s stock price is a reflection of its financial performance and growth prospects. The company's stock price is influenced by various factors such as market trends, investor sentiment, and the company's financials. Investors can track the company's stock price on Ticker's stock analysis page, which provides real-time updates on the stock's performance.

L&T Finance Holdings Ltd. Price Chart

L&T Finance Holdings Ltd.'s price chart provides a visual representation of the company's stock price movement over a period. The chart includes information on the company's stock price, volume, and trends. Investors can access the company's price chart on Ticker's stock analysis page. The chart can help investors gain insights into the company's stock price movement and identify trends.

L&T Finance Holdings Ltd. News

L&T Finance Holdings Ltd.'s news section provides updates on the company's latest developments and announcements. The section includes information on the company's product launches, partnerships, and collaborations. Investors can access the company's news section on Ticker's stock analysis page. The news section can help investors stay updated on the company's latest developments and make informed investment decisions.

L&T Finance Holdings Ltd. Concall Transcripts

L&T Finance Holdings Ltd.'s concall transcripts provide a detailed account of the company's earnings conference call. The transcripts include information on the company's financial performance, growth prospects, and future plans. Investors can download the company's concall transcripts from Ticker's stock analysis page. The transcripts can help investors gain insights into the company's performance and future prospects.

L&T Finance Holdings Ltd. Investor Presentations

L&T Finance Holdings Ltd.'s investor presentations provide a detailed overview of the company's business model, operations, and growth prospects. The presentations include information on the company's financials, product portfolio, and competitive landscape. Investors can download the company's investor presentations from Ticker's stock analysis page. The presentations can help investors gain a better understanding of the company's business model and growth potential.

L&T Finance Holdings Ltd. Promoters

L&T Finance Holdings Ltd.'s promoters are the key drivers of the company's growth and success. The promoters have a significant stake in the company and are actively involved in its operations and decision-making. Investors can access information on the company's promoters on Ticker's stock analysis page. The information can help investors evaluate the promoters' track record and their contribution to the company's growth.

L&T Finance Holdings Ltd. Shareholders

L&T Finance Holdings Ltd.'s shareholders are the owners of the company and have a stake in its financial performance and growth prospects. The company has a diverse shareholder base, including institutional investors and retail investors. Investors can access information on the company's shareholders on Ticker's stock analysis page. The information can help investors evaluate the company's shareholder base and their contribution to the company's growth.

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