Laxmi India Finance Ltd
₹ 113
-1.57%
27 May
- close price
About
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]
Key Points
- Market Cap ₹ 585 Cr.
- Current Price ₹ 113
- High / Low ₹ 181 / 70.9
- Stock P/E 11.8
- Book Value ₹ 89.0
- Dividend Yield 0.00 %
- ROCE 12.7 %
- ROE 13.8 %
- Face Value ₹ 5.00
Pros
- Company has delivered good profit growth of 36.5% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
* 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 89 | 98 | 130 | 173 | 246 | 317 | |
| Interest | 50 | 50 | 63 | 83 | 115 | 137 |
| 21 | 28 | 45 | 60 | 84 | 114 | |
| Financing Profit | 19 | 20 | 22 | 29 | 47 | 66 |
| Financing Margin % | 21% | 20% | 17% | 17% | 19% | 21% |
| 0 | 1 | 1 | 2 | 2 | 3 | |
| Depreciation | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 18 | 20 | 22 | 30 | 47 | 66 |
| Tax % | 41% | 25% | 27% | 24% | 24% | 25% |
| 10 | 15 | 16 | 22 | 36 | 50 | |
| EPS in Rs | 8.61 | 9.52 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 35% |
| TTM: | 29% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 37% |
| 3 Years: | 46% |
| TTM: | 38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 14% |
| Last Year: | 14% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 14 | 16 | 18 | 20 | 21 | 26 |
| Reserves | 85 | 111 | 134 | 182 | 237 | 439 |
| Borrowing | 391 | 411 | 615 | 767 | 1,137 | 1,337 |
| 21 | 20 | 11 | 16 | 18 | 15 | |
| Total Liabilities | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
| 5 | 6 | 10 | 11 | 13 | 17 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 20 | 8 | 15 | 29 | 159 |
| 505 | 532 | 761 | 959 | 1,370 | 1,642 | |
| Total Assets | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| -5 | -19 | -169 | -224 | -311 | -280 | |
| -1 | -20 | 5 | -7 | -18 | -134 | |
| 33 | 33 | 213 | 178 | 390 | 354 | |
| Net Cash Flow | 27 | -5 | 48 | -53 | 60 | -60 |
| Free Cash Flow | -5 | -19 | -175 | -226 | -315 | -286 |
| CFO/OP | 0% | -17% | -195% | -193% | -185% | -128% |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 11% | 13% | 11% | 13% | 16% | 14% |
Insights
In beta| Mar 2011 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) ₹ Million |
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| Number of Branches Count |
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| Active Customer Base Count |
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| AUM per Branch ₹ Million |
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| AUM per Employee ₹ Million |
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| Collection Efficiency % |
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| Gross NPA Ratio % |
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| Total Disbursements ₹ Million |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
1d - The Company by way of Circular Resolution has allotted 1,25,203 equity shares of Rs. 5/- each pursuant to Laxmi India Finance Limited Employee Stock Option …
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Compliances-Reg.24(A)-Annual Secretarial Compliance
2d - Annual Secretarial Compliance Report for FY2026 filed; no non-compliances reported.
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
19 May - Pursuant to Regulations 30 and 46 of the SEBI (LODR) Regulations, 2015, the transcript of the Earnings Call with analysts and investors held on Thursday, …
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Announcement under Regulation 30 (LODR)-Newspaper Publication
15 May - Submission of Newspaper Advertisement of Audited Financial Results for the quarter and financial year ended on March 31, 2026.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
14 May - Audio recording of May 14, 2026 earnings call for Q4 and FY26 results posted online.
Concalls
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May 2026Transcript PPT REC
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Feb 2026Transcript PPT
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Feb 2026TranscriptAI SummaryPPT
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Nov 2025Transcript PPT REC
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Aug 2025Transcript PPT
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.