Nifty
:
24250.20
Sensex
:
77654.60
264.85 (1.10%)
888.68 (1.16%)
Nifty
Sensex
:
:
24250.20
77654.60
264.85 (1.10%)
888.68 (1.16%)

L&T Finance Ltd.

Finance - NBFC

Rating :
69/99

BSE: 533519 | NSE: LTF

NSE BSE
309.15
29-Jul-2026
  • Open
  • High
  • Low
  • Previous Close
  •  313
  •  313.05
  •  301.05
  •  311.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  14431153
  •  4406008727.35
  •  338.6
  •  194.4

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 77,524.53
  • 24.36
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,79,708.15
  • 0.89%
  • 2.69

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 65.96%
  • 1.20%
  • 9.20%
  • FII
  • DII
  • Others
  • 7.71%
  • 14.75%
  • 1.18%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.94
  • 8.47
  • 9.68

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 4.83
  • 26.35
  • 6.87

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.14
  • 27.93
  • 8.72

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.70
  • 17.82
  • 18.32

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.57
  • 1.61
  • 1.97

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.76
  • 12.15
  • 11.63

Earnings Forecasts:

(Updated: 25-07-2026)
Description
2026
2027
2028
2029
Adj EPS
73
1
25.66
11.95
P/E Ratio
4.23
309.15
12.05
25.87
Revenue
20.69
16.71
13.67
11259
EBITDA
13876.1
16529.4
19172.6
4670.75
Net Income
5643.2
6964.6
4941.6
2978.07
ROA
3767.25
4634.65
5900.25
2.28
P/B Ratio
0.00
0.00
0.00
2.77
ROE
2.57
2.32
2
11.13
FCFF
13.1
14.9
15.55
-
FCFF Yield
-
-
-
-
Net Debt
-
-
-
101954
BVPS
130686
161431
196770
111.45

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Net Sales
5,212.92
4,259.57
22.38%
4,771.03
4,022.92
18.60%
4,578.27
4,097.58
11.73%
4,335.75
4,019.34
7.87%
Expenses
1,974.28
1,639.95
20.39%
1,889.80
1,580.89
19.54%
1,800.09
1,675.80
7.42%
1,661.69
1,574.88
5.51%
EBITDA
3,238.64
2,619.62
23.63%
2,881.23
2,442.03
17.99%
2,778.18
2,421.78
14.72%
2,674.06
2,444.46
9.39%
EBIDTM
62.13%
61.50%
60.39%
60.70%
60.68%
59.10%
61.67%
60.82%
Other Income
30.39
0.03
1,01,200.00%
0.07
4.30
-98.37%
3.22
7.55
-57.35%
0.04
4.68
-99.15%
Interest
1,970.07
1,635.74
20.44%
1,747.03
1,599.83
9.20%
1,703.02
1,569.24
8.53%
1,634.29
1,476.28
10.70%
Depreciation
62.68
40.69
54.04%
60.35
40.98
47.27%
57.70
36.19
59.44%
50.95
33.29
53.05%
PBT
1,236.28
943.22
31.07%
1,073.92
805.52
33.32%
992.17
823.90
20.42%
988.86
939.57
5.25%
Tax
320.29
242.38
32.14%
264.76
169.68
56.03%
254.18
198.25
28.21%
253.98
242.89
4.57%
PAT
915.99
700.84
30.70%
809.16
635.84
27.26%
737.99
625.65
17.96%
734.88
696.68
5.48%
PATM
17.57%
16.45%
16.96%
15.81%
16.12%
15.27%
16.95%
17.33%
EPS
3.60
2.81
28.11%
3.22
2.55
26.27%
2.95
2.51
17.53%
2.94
2.79
5.38%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
18,897.97
17,913.67
15,924.24
13,576.51
12,774.95
11,929.70
13,352.85
14,106.01
12,989.72
10,212.73
8,340.59
Net Sales Growth
15.24%
12.49%
17.29%
6.27%
7.09%
-10.66%
-5.34%
8.59%
27.19%
22.45%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
18,897.97
17,913.67
15,924.24
13,576.51
12,774.95
11,929.70
13,352.85
14,106.01
12,989.72
10,212.73
8,340.59
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
7,325.86
9,030.96
8,394.71
7,203.45
7,250.43
9,171.61
7,811.69
6,088.34
4,830.29
3,820.60
2,800.63
Power & Fuel Cost
-
0.00
0.00
0.00
6.13
6.49
6.29
8.08
8.61
7.76
5.87
% Of Sales
-
0%
0%
0%
0.05%
0.05%
0.05%
0.06%
0.07%
0.08%
0.07%
Employee Cost
-
2,455.00
2,216.51
1,806.37
1,405.93
1,094.84
938.08
1,062.32
824.73
408.70
493.52
% Of Sales
-
13.70%
13.92%
13.31%
11.01%
9.18%
7.03%
7.53%
6.35%
4.00%
5.92%
Manufacturing Exp.
-
879.50
834.29
693.05
517.76
539.29
516.14
372.27
622.32
627.20
391.93
% Of Sales
-
4.91%
5.24%
5.10%
4.05%
4.52%
3.87%
2.64%
4.79%
6.14%
4.70%
General & Admin Exp.
-
640.24
617.13
880.35
746.19
488.89
278.59
344.02
353.28
249.17
273.62
% Of Sales
-
3.57%
3.88%
6.48%
5.84%
4.10%
2.09%
2.44%
2.72%
2.44%
3.28%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
5,056.22
4,726.78
3,823.68
4,580.55
7,048.59
6,078.88
4,309.73
3,029.96
2,535.53
0.00
% Of Sales
-
28.23%
29.68%
28.16%
35.86%
59.08%
45.52%
30.55%
23.33%
24.83%
19.68%
EBITDA
11,572.11
8,882.71
7,529.53
6,373.06
5,524.52
2,758.09
5,541.16
8,017.67
8,159.43
6,392.13
5,539.96
EBITDA Margin
61.23%
49.59%
47.28%
46.94%
43.24%
23.12%
41.50%
56.84%
62.81%
62.59%
66.42%
Other Income
33.72
2,268.39
2,252.79
2,157.40
2,539.58
4,340.83
2,817.97
2,317.37
1,840.55
581.80
241.61
Interest
7,054.41
6,914.73
6,152.16
5,386.66
5,822.21
5,773.43
7,237.74
7,573.37
6,898.38
5,476.24
4,635.36
Depreciation
231.68
209.69
138.90
114.77
111.24
102.64
85.66
81.59
49.62
51.93
67.30
PBT
4,291.23
4,026.68
3,491.26
3,029.03
2,130.65
1,222.85
1,035.73
2,680.08
3,051.98
1,445.76
1,078.90
Tax
1,093.21
1,015.30
847.84
711.90
172.37
373.62
523.11
979.82
819.95
168.24
36.44
Tax Rate
25.48%
25.39%
24.28%
23.50%
-30.97%
30.55%
41.47%
36.56%
26.87%
11.64%
3.38%
PAT
3,198.02
2,981.18
2,643.66
2,320.10
-642.12
870.10
760.29
1,700.17
2,226.30
1,253.85
1,036.44
PAT before Minority Interest
3,182.55
2,982.87
2,643.42
2,317.13
-728.89
849.23
738.23
1,700.26
2,232.03
1,277.52
1,042.47
Minority Interest
-15.47
-1.69
0.24
2.97
86.77
20.87
22.06
-0.09
-5.73
-23.67
-6.03
PAT Margin
16.92%
16.64%
16.60%
17.09%
-5.03%
7.29%
5.69%
12.05%
17.14%
12.28%
12.43%
PAT Growth
20.27%
12.77%
13.95%
-
-
14.44%
-55.28%
-23.63%
77.56%
20.98%
 
EPS
12.76
11.90
10.55
9.26
-2.56
3.47
3.03
6.79
8.89
5.00
4.14

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
27,983.53
25,564.06
23,438.44
21,528.37
19,947.70
18,773.20
14,692.42
13,448.60
11,406.74
9,107.34
Share Capital
2,504.39
2,494.87
2,488.94
2,479.67
2,474.04
2,469.45
2,004.83
1,998.81
1,995.68
2,969.12
Total Reserves
25,410.38
22,959.55
20,839.81
18,907.67
17,290.96
16,103.98
12,506.32
11,327.85
9,347.43
6,016.13
Non-Current Liabilities
51,867.43
37,999.30
31,290.79
38,845.54
48,854.96
50,146.85
57,293.78
53,697.61
50,458.70
43,485.99
Secured Loans
52,752.03
38,972.81
31,292.75
38,191.21
49,414.96
47,431.65
54,032.12
51,352.18
48,268.20
31,564.58
Unsecured Loans
436.08
620.72
1,736.00
2,424.35
817.84
4,293.87
4,588.92
4,110.21
4,019.18
11,665.77
Long Term Provisions
90.14
38.52
24.61
0.49
1.89
6.19
7.50
6.82
5.42
263.83
Current Liabilities
60,481.54
54,995.81
46,041.78
44,037.70
36,390.14
38,219.17
35,859.68
36,909.48
23,841.66
19,059.07
Trade Payables
1,770.01
1,371.70
1,221.85
806.39
432.61
371.74
64.84
119.69
163.99
72.64
Other Current Liabilities
1,610.11
701.32
1,118.44
595.01
727.39
677.06
379.73
676.47
664.59
7,140.43
Short Term Borrowings
56,699.58
52,653.37
43,512.12
42,427.89
34,968.43
36,830.25
35,273.45
36,044.59
22,960.90
11,764.10
Short Term Provisions
401.84
269.42
189.37
208.41
261.71
340.12
141.66
68.73
52.18
81.90
Total Liabilities
1,40,383.00
1,18,626.23
1,00,860.56
1,04,501.05
1,05,372.63
1,07,336.37
1,08,066.09
1,04,277.95
85,930.58
71,770.97
Net Block
1,307.63
640.72
519.35
533.42
184.63
811.03
789.06
759.64
755.61
1,229.87
Gross Block
2,403.98
1,677.55
1,013.89
934.86
474.99
1,056.61
959.37
880.44
841.67
1,600.62
Accumulated Depreciation
1,096.35
1,036.83
494.54
401.44
290.36
245.58
170.31
120.80
86.06
370.75
Non Current Assets
1,26,229.74
1,01,832.06
90,345.93
83,909.75
90,334.08
95,421.64
98,180.19
96,957.32
81,472.69
53,722.59
Capital Work in Progress
61.87
45.24
35.62
4.81
21.81
23.84
62.04
38.65
19.34
27.89
Non Current Investment
5,142.02
6,218.02
7,481.01
6,824.91
6,578.10
5,646.49
4,198.16
3,695.97
2,408.94
2,176.02
Long Term Loans & Adv.
394.93
313.66
291.67
677.28
695.99
663.87
901.24
642.97
593.37
596.76
Other Non Current Assets
1,502.26
841.36
658.89
695.68
59.93
918.90
456.18
127.80
211.98
357.26
Current Assets
14,153.26
16,794.17
10,514.63
20,591.30
14,296.12
11,914.73
9,801.36
7,320.63
4,457.89
18,048.37
Current Investments
5,421.79
5,657.95
4,903.88
7,541.29
5,338.84
3,225.64
1,781.11
4,944.84
2,892.55
3,835.51
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
102.47
116.95
247.28
5.88
15.92
47.31
64.74
106.37
126.44
78.85
Cash & Bank
7,704.07
10,465.36
4,469.39
12,748.87
7,970.42
8,396.61
7,796.45
1,844.47
1,064.68
594.38
Other Current Assets
924.93
553.91
894.08
295.26
970.94
245.17
159.06
424.95
374.22
13,539.63
Short Term Loans & Adv.
0.00
0.00
0.00
0.00
4.29
0.00
0.00
0.00
0.00
12,373.19
Net Current Assets
-46,328.28
-38,201.64
-35,527.15
-23,446.40
-22,094.02
-26,304.44
-26,058.32
-29,588.85
-19,383.77
-1,010.69
Total Assets
1,40,383.00
1,18,626.23
1,00,860.56
1,04,501.05
1,04,630.20
1,07,336.37
1,07,981.55
1,04,277.95
85,930.58
71,770.96

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-14,189.24
-16,587.47
685.64
6,718.25
6,078.06
5,464.30
2,161.76
-11,643.45
-15,639.71
-5,779.41
PBT
3,998.17
3,491.26
3,029.03
2,182.82
1,474.81
1,495.20
2,680.08
3,051.98
1,445.76
1,078.90
Adjustment
2,431.53
2,144.16
2,283.27
2,695.64
3,204.98
3,525.69
2,426.24
1,516.42
1,998.54
1,583.71
Changes in Working Capital
5,559.00
-6,920.33
-4,308.80
-263.98
-42.34
204.89
111.44
-48.32
250.01
-489.37
Cash after chg. in Working capital
11,988.70
-1,284.91
1,003.50
4,614.48
4,637.45
5,225.78
5,217.76
4,520.08
3,694.31
2,173.25
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-1,023.23
-706.29
-317.86
-1,146.41
-372.11
-261.88
-817.13
-795.60
-649.14
-531.67
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-25,154.71
-14,596.27
0.00
3,250.18
1,812.72
500.40
-2,238.87
-15,367.93
-18,684.88
-7,420.99
Cash From Investing Activity
366.90
471.83
848.62
-334.76
-5,083.54
-2,024.48
159.52
-3,587.41
1,548.80
-2,117.54
Net Fixed Assets
-728.53
-223.02
-109.36
-1,015.39
0.00
0.13
-0.80
-0.73
0.08
0.50
Net Investments
1,203.47
538.80
2,027.02
-5,199.68
867.56
0.00
-923.49
-1,305.80
-2,196.22
-73.16
Others
-108.04
156.05
-1,069.04
5,880.31
-5,951.10
-2,024.61
1,083.81
-2,280.88
3,744.94
-2,044.88
Cash from Financing Activity
15,415.06
15,418.51
-7,049.59
-1,663.81
-3,023.01
-2,090.68
1,450.53
16,008.19
14,677.79
7,952.10
Net Cash Inflow / Outflow
1,592.72
-697.13
-5,515.33
4,719.68
-2,028.49
1,349.14
3,771.81
777.33
586.88
55.15
Opening Cash & Equivalents
2,896.22
3,593.35
9,108.68
4,915.98
6,947.79
5,598.69
1,826.65
1,049.39
462.51
398.17
Closing Cash & Equivalent
4,488.94
2,896.22
3,593.35
9,108.68
4,915.98
6,947.79
5,598.69
1,826.65
1,049.39
453.31

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
111.46
102.03
93.73
86.25
79.89
75.21
67.32
62.01
52.87
41.17
ROA
2.30%
2.41%
2.26%
-0.69%
0.80%
0.69%
1.60%
2.35%
1.62%
1.54%
ROE
11.18%
10.84%
10.36%
-3.54%
4.43%
4.46%
12.22%
18.10%
13.37%
14.05%
ROCE
8.54%
8.86%
8.23%
5.02%
6.59%
7.87%
9.60%
10.39%
8.90%
8.86%
Fixed Asset Turnover
8.78
11.83
13.93
18.12
15.58
13.25
15.33
15.10
8.36
5.08
Receivable days
2.24
4.17
3.40
2.95
2.71
2.70
2.60
3.46
3.73
2.31
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
28.28
56.79
78.78
33.42
Cash Conversion Cycle
2.24
4.17
3.40
2.95
2.71
2.70
-25.68
-53.32
-75.05
-31.11
Total Debt/Equity
3.94
3.62
3.28
3.88
4.31
4.77
6.47
6.87
6.63
6.66
Interest Cover
1.58
1.57
1.56
0.90
1.21
1.17
1.35
1.44
1.26
1.23

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • L&T Finance reports 29% growth in Q1 consolidated net profit
    13th Jul 2026, 14:59 PM

    Consolidated total income of the company increased by 23.09% to Rs 5,243.31 crore in Q1FY27

    Read More
  • L&T Finance - Quarterly Results
    11th Jul 2026, 00:00 AM

    Read More
  • L&T Finance raises Rs 380 crore through NCDs
    2nd Jul 2026, 10:44 AM

    The NCDs have a tenor of 3653 days and carry a coupon rate of 8.20% per annum

    Read More
  • L&T Finance raises Rs 1500 crore through NCDs
    16th Jun 2026, 10:27 AM

    The NCDs have a tenor of 1110 days and carry a coupon rate of 8.12% per annum

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.