Nifty
:
24631.30
Sensex
:
80597.66
11.95 (0.05%)
57.75 (0.07%)
Nifty
Sensex
:
:
24631.30
80597.66
11.95 (0.05%)
57.75 (0.07%)

L&T Finance Ltd.

Finance - NBFC

Rating :
66/99

BSE: 533519 | NSE: LTF

NSE BSE
202.08
14-Aug-2025
  • Open
  • High
  • Low
  • Previous Close
  •  201.34
  •  202.84
  •  199.76
  •  201.34
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2597438
  •  523142899.49
  •  214.8
  •  129.2

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 50,516.27
  • 19.00
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,32,297.81
  • 1.36%
  • 1.93

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 66.16%
  • 2.01%
  • 10.60%
  • FII
  • DII
  • Others
  • 6.19%
  • 14.04%
  • 1.00%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.13
  • 3.59
  • 7.62

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.40
  • 5.91
  • 5.97

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.97
  • 28.31
  • 10.89

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.67
  • 17.12
  • 16.76

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.64
  • 1.33
  • 1.51

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.86
  • 11.86
  • 11.50

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
9.2
10.5
14
15.29
P/E Ratio
21.97
19.25
14.43
13.22
Revenue
13382
14680
11241
13303
EBITDA
9295
9687
3811
4629
Net Income
2286
2618
2934
3692
ROA
3.9
2.4
2.3
2.5
P/B Ratio
2.17
1.99
1.80
1.63
ROE
12.38
10.8
11.31
12.79
FCFF
600
-16782
1517
1686
FCFF Yield
0.48
-13.41
1.21
1.35
Net Debt
71959
81550
99773
121327
BVPS
93.19
101.39
112
124.24

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
4,259.57
3,784.40
12.56%
4,022.92
3,670.30
9.61%
4,097.58
3,533.96
15.95%
4,019.34
3,213.84
25.06%
Expenses
1,639.95
1,482.49
10.62%
1,580.89
1,619.08
-2.36%
1,675.80
1,374.60
21.91%
1,574.88
1,331.44
18.28%
EBITDA
2,619.62
2,301.91
13.80%
2,442.03
2,051.22
19.05%
2,421.78
2,159.36
12.15%
2,444.46
1,882.40
29.86%
EBIDTM
61.50%
60.83%
60.70%
55.89%
59.10%
61.10%
60.82%
58.57%
Other Income
0.03
0.21
-85.71%
4.30
5.55
-22.52%
7.55
47.30
-84.04%
4.68
268.23
-98.26%
Interest
1,635.74
1,351.41
21.04%
1,599.83
1,335.09
19.83%
1,569.24
1,353.43
15.95%
1,476.28
1,324.91
11.42%
Depreciation
40.69
28.44
43.07%
40.98
27.66
48.16%
36.19
29.19
23.98%
33.29
28.33
17.51%
PBT
943.22
922.27
2.27%
805.52
694.02
16.07%
823.90
824.04
-0.02%
939.57
797.39
17.83%
Tax
242.38
237.02
2.26%
169.68
141.00
20.34%
198.25
184.67
7.35%
242.89
203.17
19.55%
PAT
700.84
685.25
2.28%
635.84
553.02
14.98%
625.65
639.37
-2.15%
696.68
594.22
17.24%
PATM
16.45%
18.11%
15.81%
15.07%
15.27%
18.09%
17.33%
18.49%
EPS
2.81
2.75
2.18%
2.55
2.23
14.35%
2.51
2.57
-2.33%
2.79
2.40
16.25%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
16,399.41
15,924.24
13,576.51
12,774.95
11,929.70
13,352.85
14,106.01
13,004.02
10,212.73
8,340.59
7,288.79
Net Sales Growth
15.47%
17.29%
6.27%
7.09%
-10.66%
-5.34%
8.47%
27.33%
22.45%
14.43%
 
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
16,399.41
15,924.24
13,576.51
12,774.95
11,929.70
13,352.85
14,106.01
13,004.02
10,212.73
8,340.59
7,288.79
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
6,471.52
8,540.19
7,203.45
7,250.43
9,171.61
7,811.69
6,088.34
4,844.59
3,820.60
2,800.63
2,002.25
Power & Fuel Cost
-
0.00
0.00
6.13
6.49
6.29
8.08
8.61
7.76
5.87
8.44
% Of Sales
-
0%
0%
0.05%
0.05%
0.05%
0.06%
0.07%
0.08%
0.07%
0.12%
Employee Cost
-
2,216.51
1,806.37
1,405.93
1,094.84
938.08
1,062.32
824.73
408.70
493.52
487.69
% Of Sales
-
13.92%
13.31%
11.01%
9.18%
7.03%
7.53%
6.34%
4.00%
5.92%
6.69%
Manufacturing Exp.
-
703.61
693.05
95.72
101.74
211.21
138.00
139.63
122.16
198.09
203.66
% Of Sales
-
4.42%
5.10%
0.75%
0.85%
1.58%
0.98%
1.07%
1.20%
2.38%
2.79%
General & Admin Exp.
-
893.29
880.35
1,168.23
926.44
583.52
578.29
835.97
754.21
467.46
438.49
% Of Sales
-
5.61%
6.48%
9.14%
7.77%
4.37%
4.10%
6.43%
7.38%
5.60%
6.02%
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.
-
4,726.78
3,823.68
4,580.55
7,048.59
6,078.88
4,309.73
3,044.26
2,535.53
1,641.57
0.00
% Of Sales
-
29.68%
28.16%
35.86%
59.08%
45.52%
30.55%
23.41%
24.83%
19.68%
11.97%
EBITDA
9,927.89
7,384.05
6,373.06
5,524.52
2,758.09
5,541.16
8,017.67
8,159.43
6,392.13
5,539.96
5,286.54
EBITDA Margin
60.54%
46.37%
46.94%
43.24%
23.12%
41.50%
56.84%
62.75%
62.59%
66.42%
72.53%
Other Income
16.56
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
182.36
Interest
6,281.09
6,006.68
5,386.66
5,822.21
5,773.43
7,237.74
7,573.37
6,898.38
5,476.24
4,635.36
4,133.42
Depreciation
151.15
138.90
114.77
111.24
102.64
85.66
81.59
49.62
51.93
67.30
82.81
PBT
3,512.21
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
1,252.67
Tax
853.20
847.84
711.90
172.37
373.62
523.11
979.82
819.95
168.24
36.44
398.98
Tax Rate
24.29%
24.28%
23.50%
-30.97%
30.55%
41.47%
36.56%
26.87%
11.64%
3.38%
31.85%
PAT
2,659.01
2,643.66
2,320.10
-642.12
870.10
760.29
1,700.17
2,226.30
1,253.85
1,036.44
853.69
PAT before Minority Interest
2,659.25
2,643.42
2,317.13
-728.89
849.23
738.23
1,700.26
2,232.03
1,277.52
1,042.47
853.69
Minority Interest
0.24
0.24
2.97
86.77
20.87
22.06
-0.09
-5.73
-23.67
-6.03
0.00
PAT Margin
16.21%
16.60%
17.09%
-5.03%
7.29%
5.69%
12.05%
17.12%
12.28%
12.43%
11.71%
PAT Growth
7.57%
13.95%
-
-
14.44%
-55.28%
-23.63%
77.56%
20.98%
21.41%
 
EPS
10.65
10.58
9.29
-2.57
3.48
3.04
6.81
8.91
5.02
4.15
3.42

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
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
8,408.55
Share Capital
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
2,966.80
Total Reserves
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
5,317.49
Non-Current Liabilities
37,999.30
31,290.79
56,456.17
56,863.24
61,982.77
67,750.61
57,517.01
47,463.71
43,485.99
37,561.03
Secured Loans
0.00
0.00
55,495.44
54,602.69
58,647.43
63,823.94
54,835.08
44,903.50
31,564.58
25,560.03
Unsecured Loans
39,593.53
33,028.75
2,798.48
3,683.32
4,945.73
5,379.18
4,453.52
4,398.65
11,665.77
11,471.10
Long Term Provisions
38.52
24.61
0.00
0.00
0.00
0.00
0.00
0.00
263.83
346.20
Current Liabilities
54,995.81
46,041.78
26,427.07
28,381.86
26,383.25
25,412.81
33,090.08
26,836.65
19,059.07
17,330.19
Trade Payables
1,371.70
1,221.85
806.39
439.10
376.79
65.64
136.17
185.05
72.64
68.71
Other Current Liabilities
701.32
1,118.44
662.25
763.94
697.54
506.64
659.98
647.87
7,140.43
10,267.38
Short Term Borrowings
52,653.37
43,512.12
24,749.53
26,915.22
24,962.61
24,691.37
32,218.38
25,946.13
11,764.10
6,695.53
Short Term Provisions
269.42
189.37
208.90
263.60
346.31
149.16
75.55
57.60
81.90
298.57
Total Liabilities
1,18,626.23
1,00,860.56
1,04,501.05
1,05,372.63
1,07,336.37
1,08,076.05
1,04,277.95
85,930.58
71,770.97
63,400.07
Net Block
640.72
519.35
533.42
184.63
811.03
789.06
759.64
755.61
1,229.87
1,312.67
Gross Block
1,238.75
1,013.89
934.86
474.99
1,056.61
959.37
880.44
841.67
1,600.62
1,683.86
Accumulated Depreciation
598.03
494.54
401.44
290.36
245.58
170.31
120.80
86.06
370.75
371.19
Non Current Assets
66,022.13
58,034.30
90,492.49
94,596.37
95,667.20
99,070.24
98,943.26
82,983.51
53,722.49
47,447.22
Capital Work in Progress
45.24
35.62
4.81
21.81
23.84
62.04
38.65
19.34
27.89
22.42
Non Current Investment
6,268.87
9,516.60
13,918.63
10,731.11
6,913.35
5,640.89
5,904.36
4,186.83
2,176.02
1,340.01
Long Term Loans & Adv.
313.66
291.67
811.80
827.17
811.75
1,046.70
759.18
699.49
574.24
571.22
Other Non Current Assets
841.36
658.89
50.18
38.03
76.98
69.05
156.80
233.90
379.68
319.70
Current Assets
52,604.10
42,826.26
14,008.56
10,033.83
11,669.17
9,005.81
5,334.69
2,947.07
18,048.37
15,952.85
Current Investments
5,607.10
2,868.29
447.58
1,185.83
2,286.04
743.89
3,104.11
1,509.77
3,835.51
2,223.27
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
116.95
247.28
142.97
63.68
113.35
84.05
117.00
129.77
78.85
26.69
Cash & Bank
10,465.36
4,469.39
12,748.91
7,970.42
8,426.97
7,804.40
1,874.15
1,108.53
594.38
401.53
Other Current Assets
36,414.69
894.08
640.42
776.80
842.81
373.47
239.43
199.00
13,539.63
13,301.36
Short Term Loans & Adv.
35,860.78
34,347.22
28.68
37.10
28.04
34.63
42.77
4.32
12,373.19
12,259.24
Net Current Assets
-2,391.71
-3,215.52
-12,418.51
-18,348.03
-14,714.08
-16,407.00
-27,755.39
-23,889.58
-1,010.69
-1,377.34
Total Assets
1,18,626.23
1,00,860.56
1,04,501.05
1,04,630.20
1,07,336.37
1,08,076.05
1,04,277.95
85,930.58
71,770.96
63,400.07

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-16,586.50
685.64
6,718.25
6,078.06
5,464.30
2,161.76
-11,643.45
-15,639.71
-5,779.41
-9,212.65
PBT
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
1,252.67
Adjustment
2,464.66
2,283.27
2,695.64
3,204.98
3,525.69
2,426.24
1,516.42
1,998.54
1,583.71
909.20
Changes in Working Capital
-21,836.13
-4,308.80
-263.98
-42.34
204.89
111.44
-48.32
250.01
-489.37
542.03
Cash after chg. in Working capital
-15,880.21
1,003.50
4,614.48
4,637.45
5,225.78
5,217.76
4,520.08
3,694.31
2,173.25
2,703.89
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-706.29
-317.86
-1,146.41
-372.11
-261.88
-817.13
-795.60
-649.14
-531.67
-610.78
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
0.00
0.00
3,250.18
1,812.72
500.40
-2,238.87
-15,367.93
-18,684.88
-7,420.99
-11,305.76
Cash From Investing Activity
470.86
848.62
-334.76
-5,083.54
-2,024.48
159.52
-3,587.41
1,548.80
-2,117.54
-674.62
Net Fixed Assets
-223.02
-109.36
-1,015.39
0.00
0.13
-0.80
-0.73
0.08
0.50
0.01
Net Investments
538.80
2,027.02
-5,199.68
867.56
82.90
-1,006.39
-1,305.80
-2,196.22
-73.16
-465.14
Others
155.08
-1,069.04
5,880.31
-5,951.10
-2,107.51
1,166.71
-2,280.88
3,744.94
-2,044.88
-209.49
Cash from Financing Activity
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
9,426.40
Net Cash Inflow / Outflow
-697.13
-5,515.33
4,719.68
-2,028.49
1,349.14
3,771.81
777.33
586.88
55.15
-460.87
Opening Cash & Equivalents
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
859.03
Closing Cash & Equivalent
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
398.17

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
102.03
93.73
86.25
79.89
75.21
67.32
62.01
52.87
41.17
37.51
ROA
2.41%
2.26%
-0.69%
0.80%
0.69%
1.60%
2.35%
1.62%
1.54%
1.47%
ROE
10.84%
10.36%
-3.54%
4.43%
4.46%
12.22%
18.10%
13.37%
14.05%
12.76%
ROCE
8.72%
8.23%
5.02%
6.59%
7.87%
9.60%
10.39%
8.90%
8.86%
9.81%
Fixed Asset Turnover
14.14
13.93
18.12
15.58
13.25
15.33
15.10
8.36
5.08
4.57
Receivable days
4.17
3.40
2.95
2.71
2.70
2.60
3.46
3.73
2.31
1.20
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
28.28
56.79
78.78
33.42
32.67
Cash Conversion Cycle
4.17
3.40
2.95
2.71
2.70
-25.68
-53.32
-75.05
-31.11
-31.47
Total Debt/Equity
3.62
3.28
3.88
4.31
4.77
6.47
6.87
6.63
6.66
6.23
Interest Cover
1.58
1.56
0.90
1.21
1.17
1.35
1.44
1.26
1.23
1.30

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • L&T Finance reports 2% rise in Q1 consolidated net profit
    19th Jul 2025, 11:16 AM

    The total consolidated income of the company increased by 12.55% at Rs 4,259.60 crore for Q1FY26

    Read More
  • L&T Finance raises Rs 1000 crore through NCDs
    15th Jul 2025, 18:00 PM

    The maturity of said NCDs will be on July 15, 2027

    Read More
  • L&T Finance completes acquisition of Paul Merchants Finance's Gold Loan Business
    9th Jun 2025, 11:08 AM

    The acquisition includes PMFL’s 130 branches, approximately 700 employees, and business transfer of its gold loan book size of Rs 1,350 crore to LTF

    Read More
  • L&T Finance raises Rs 1500 crore through NCDs
    27th May 2025, 17:45 PM

    The Debentures are proposed to be listed on the NTRP under New Debt Market of the National Stock Exchange

    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.