Laxmi India Finance Ltd

Laxmi India Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Laxmi India Finance Ltd

₹ 108 0.48%
14 Jan - close price
lifc.co.in BSE: 544465 NSE: LAXMIINDIA
About

Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]

Key Points

Business Overview:[1]
LIFL is a non-deposit taking non-banking
financial company which specializes in
providing a range of financial products,
and services to individuals, businesses,
and institutions.

Website BSE NSE
  • Market Cap ₹ 567 Cr.
  • Current Price ₹ 108
  • High / Low ₹ 181 / 104
  • Stock P/E 14.2
  • Book Value ₹ 83.3
  • Dividend Yield 0.00 %
  • ROCE 13.7 %
  • ROE 15.7 %
  • Face Value ₹ 5.00
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Pros

  • Company's working capital requirements have reduced from 34.0 days to 18.4 days

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.6% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE IPO

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Quarterly Results

Figures in Rs. Crores

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
50.84 59.42 61.19 74.27 69.68 75.67
18.13 19.52 22.82 23.70 23.63 29.12
Operating Profit 32.71 39.90 38.37 50.57 46.05 46.55
OPM % 64.34% 67.15% 62.71% 68.09% 66.09% 61.52%
0.42 0.71 0.55 0.65 0.40 0.55
Interest 24.06 28.47 30.42 31.67 33.23 33.82
Depreciation 0.37 0.45 0.51 0.57 0.46 0.51
Profit before tax 8.70 11.69 7.99 18.98 12.76 12.77
Tax % 23.79% 25.92% 23.03% 23.23% 23.43% 26.39%
6.63 8.66 6.15 14.57 9.78 9.40
EPS in Rs 4.14 1.47 3.48 2.34 1.80
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
89 98 130 173 246 281
21 28 45 60 84 99
Operating Profit 68 70 85 113 162 182
OPM % 77% 71% 65% 65% 66% 65%
0 1 1 2 2 2
Interest 50 50 63 83 115 129
Depreciation 1 1 1 2 2 2
Profit before tax 18 20 22 30 47 52
Tax % 41% 25% 27% 24% 24%
10 15 16 22 36 40
EPS in Rs 8.61 9.09
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 36%
TTM: 42%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 35%
TTM: 61%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 14%
Last Year: 16%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 14 16 18 20 21 26
Reserves 85 111 134 182 237 409
391 411 615 767 1,137 1,116
21 20 11 16 18 16
Total Liabilities 512 558 779 985 1,413 1,567
5 6 10 11 13 16
CWIP 0 0 0 0 0 0
Investments 1 20 8 15 29 23
505 532 761 959 1,370 1,528
Total Assets 512 558 779 985 1,413 1,567

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-5 -19 -169 -224 -311
-1 -20 5 -7 -18
33 33 213 178 390
Net Cash Flow 27 -5 48 -53 60

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0
Working Capital Days 13 17 47 36 18
ROCE % 14% 13% 13% 14%

Shareholding Pattern

Numbers in percentages

8 Recently
Sep 2025
60.45%
4.61%
5.02%
29.91%
No. of Shareholders 33,099

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

No data available.

DRHP

Concalls