L&T Finance Ltd

L&T Finance Ltd Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

L&T Finance Ltd

₹ 263 -1.37%
14 Oct 4:07 p.m.
ltfs.com BSE: 533519 NSE: LTF
About

L&T Finance Ltd. is a NBFC, offering a range of financial products and services. [1]
Company has filed requisite application for necessary registration as Systemically Important Non- Deposit Accepting Core Investment Company (NBFC-CIC)[2]

Key Points

Retail Products: [1]
1) Urban Finance (56% AUM)
a) 2W Finance: It offers 2-Wheelers financing with an average ticket size of Rs 1 lakh through 137 locations across India. It disbursed loans amounting to Rs. 9,285 Cr in FY25.[2]

Website BSE NSE
  • Market Cap ₹ 65,724 Cr.
  • Current Price ₹ 263
  • High / Low ₹ 269 / 129
  • Stock P/E 25.0
  • Book Value ₹ 101
  • Dividend Yield 1.05 %
  • ROCE 8.70 %
  • ROE 10.8 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 57.9% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 26.4%

Cons

  • Stock is trading at 2.59 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.7% 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 500 Nifty 500 BSE MidCap Nifty Midcap 100 Nifty 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
20 111 3,399 3,324 3,158 3,214 3,533 3,670 3,782 4,015 4,095 4,020 4,257
5 18 1,302 1,235 1,215 1,343 1,381 1,632 1,491 1,583 1,684 1,587 1,649
Operating Profit 15 93 2,096 2,089 1,942 1,871 2,152 2,038 2,291 2,432 2,411 2,432 2,608
OPM % 77% 84% 62% 63% 62% 58% 61% 56% 61% 61% 59% 61% 61%
3 286 -53 202 154 262 48 6 1 5 8 5 0
Interest 2 2 1,501 1,445 1,364 1,325 1,353 1,335 1,351 1,476 1,569 1,600 1,636
Depreciation 0 0 28 27 28 27 28 26 27 32 35 39 39
Profit before tax 16 377 515 819 704 781 818 683 913 929 815 798 934
Tax % 63% 13% 18% 30% 26% 26% 22% 20% 26% 26% 24% 21% 26%
6 326 424 577 524 581 636 545 679 689 619 631 694
EPS in Rs 0.02 1.32 1.71 2.33 2.11 2.34 2.56 2.19 2.73 2.76 2.48 2.53 2.78
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
291 327 427 315 461 498 502 191 350 12,898 13,574 15,912 16,387
28 36 32 24 23 20 37 34 22 5,155 5,561 6,335 6,503
Operating Profit 263 291 395 291 438 478 465 158 328 7,743 8,013 9,577 9,884
OPM % 90% 89% 92% 92% 95% 96% 93% 82% 94% 60% 59% 60% 60%
0 0 1 0 17 28 20 225 0 698 469 18 18
Interest 66 39 27 46 162 202 201 193 73 5,812 5,387 6,007 6,281
Depreciation 0 0 0 0 0 0 0 1 0 106 109 133 145
Profit before tax 197 252 368 245 293 304 284 189 254 2,524 2,987 3,455 3,475
Tax % 0% -4% -3% -1% 9% 12% 6% 39% 14% 24% 23% 24%
196 262 378 249 266 267 267 116 218 1,920 2,286 2,618 2,633
EPS in Rs 0.93 1.24 1.75 1.15 1.08 1.09 1.08 0.47 0.88 7.74 9.19 10.49 10.55
Dividend Payout % 66% 53% 37% 56% 75% 75% 68% 0% 57% 26% 27% 26%
Compounded Sales Growth
10 Years: 47%
5 Years: 100%
3 Years: 257%
TTM: 15%
Compounded Profit Growth
10 Years: 26%
5 Years: 58%
3 Years: 129%
TTM: 8%
Stock Price CAGR
10 Years: 15%
5 Years: 36%
3 Years: 51%
1 Year: 59%
Return on Equity
10 Years: 7%
5 Years: 8%
3 Years: 11%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 1,718 1,720 1,753 1,756 1,996 1,999 2,005 2,469 2,474 2,480 2,489 2,495
Reserves 1,809 1,826 2,221 2,355 5,678 5,832 5,840 8,541 8,797 18,839 20,706 22,800
1,660 1,912 1,811 2,187 1,499 2,200 3,461 1,773 105 83,105 76,603 92,372
146 155 170 80 14 19 32 56 48 1,603 2,552 2,366
Total Liabilities 5,333 5,614 5,955 6,378 9,187 10,049 11,338 12,840 11,424 106,027 102,351 120,033
0 0 0 0 0 1 1 1 1 216 208 333
CWIP 0 0 0 0 0 0 0 0 0 5 36 45
Investments 4,925 5,106 5,571 5,644 7,840 9,146 10,070 10,070 9,202 14,402 12,375 11,836
408 507 384 734 1,346 902 1,267 2,769 2,221 91,404 89,733 107,819
Total Assets 5,333 5,614 5,955 6,378 9,187 10,049 11,338 12,840 11,424 106,027 102,351 120,033

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
84 145 456 -128 -272 775 82 -170 408 6,360 650 -16,608
-50 -180 -400 -56 -2,191 -1,306 -1,006 272 -1 -505 859 499
-37 20 -47 144 2,474 521 924 1,296 -1,664 -1,659 -7,053 15,441
Net Cash Flow -3 -15 9 -40 11 -11 0 1,398 -1,257 4,196 -5,544 -668

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 46 7 0 0 0 0 7 3
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 46 7 0 0 0 0 7 3
Working Capital Days -381 -276 -403 -439 209 -646 -1,002 -24 887 2 -18 -21
ROCE % 5% 5% 7% 5% 6% 5% 5% 1% 3% 14% 8% 9%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
66.15% 66.11% 66.10% 66.02% 65.90% 65.86% 66.37% 66.29% 66.25% 66.24% 66.16% 66.10%
11.24% 11.35% 13.90% 12.11% 10.67% 11.04% 7.34% 6.73% 5.30% 5.48% 6.19% 6.40%
6.05% 6.58% 5.29% 7.02% 9.07% 8.69% 11.64% 12.33% 12.17% 13.28% 14.10% 14.33%
16.56% 15.96% 14.73% 14.85% 14.36% 14.39% 14.66% 14.66% 16.27% 15.01% 13.55% 13.15%
No. of Shareholders 7,07,0707,08,2376,63,7696,95,0236,87,7217,11,5557,39,1807,87,2918,76,8418,46,6827,92,3747,77,432

* 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.

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