Nifty
:
24666.90
Sensex
:
81330.56
88.55 (0.36%)
182.34 (0.22%)
Nifty
Sensex
:
:
24666.90
81330.56
88.55 (0.36%)
182.34 (0.22%)

L&T Finance Ltd.

Finance - NBFC

Rating :
N/A

BSE: 533519 | NSE: LTF

NSE BSE
150.76
06-Feb-2025
  • Open
  • High
  • Low
  • Previous Close
  •  152.86
  •  153.90
  •  150.11
  •  152.86
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2402830
  •  3651.32
  •  194.25
  •  129.20

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 43,766.08
  • 16.56
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,25,547.62
  • 1.57%
  • 1.72

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 66.24%
  • 2.40%
  • 11.62%
  • FII
  • DII
  • Others
  • 5.48%
  • 13.24%
  • 1.02%

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
  • 16.71
  • 16.92
  • 16.59

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.62
  • 1.28
  • 1.42

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.86
  • 11.68
  • 11.51

Earnings Forecasts:

Description
2024
2025
2026
2027
Adj EPS
9.34
11.22
13.97
17.35
P/E Ratio
15.07
12.55
10.08
8.11
Revenue
13393
10070
12162
14681
EBITDA
9340
12041
15024
18084
Net Income
2320
2788
3457
4265
ROA
2.2
2.5
2.6
2.8
P/B Ratio
1.5
1.37
1.24
1.1
ROE
10.32
11.38
12.81
14.07
FCFF
554.71
FCFF Yield
0.52

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Net Sales
4,022.92
3,670.30
9.61%
4,097.58
3,533.96
15.95%
4,019.34
3,213.84
25.06%
3,784.40
3,223.32
17.41%
Expenses
1,580.89
1,619.08
-2.36%
1,675.80
1,374.60
21.91%
1,574.88
1,331.44
18.28%
1,482.49
1,269.85
16.75%
EBITDA
2,442.03
2,051.22
19.05%
2,421.78
2,159.36
12.15%
2,444.46
1,882.40
29.86%
2,301.91
1,953.47
17.84%
EBIDTM
60.70%
55.89%
59.10%
61.10%
60.82%
58.57%
60.83%
60.60%
Other Income
4.30
5.55
-22.52%
7.55
47.30
-84.04%
4.68
268.23
-98.26%
0.21
153.46
-99.86%
Interest
1,599.83
1,335.09
19.83%
1,569.24
1,353.43
15.95%
1,476.28
1,324.91
11.42%
1,351.41
1,363.76
-0.91%
Depreciation
40.98
27.66
48.16%
36.19
29.19
23.98%
33.29
28.33
17.51%
28.44
29.59
-3.89%
PBT
805.52
694.02
16.07%
823.90
824.04
-0.02%
939.57
797.39
17.83%
922.27
713.58
29.25%
Tax
169.68
141.00
20.34%
198.25
184.67
7.35%
242.89
203.17
19.55%
237.02
183.06
29.48%
PAT
635.84
553.02
14.98%
625.65
639.37
-2.15%
696.68
594.22
17.24%
685.25
530.52
29.17%
PATM
15.81%
15.07%
15.27%
18.09%
17.33%
18.49%
18.11%
16.46%
EPS
2.55
2.23
14.35%
2.51
2.57
-2.33%
2.79
2.40
16.25%
2.75
2.14
28.50%

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
-
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
-
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
Gross Profit
-
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%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
-
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
-
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
-
46.37%
46.94%
43.24%
23.12%
41.50%
56.84%
62.75%
62.59%
66.42%
72.53%
Other Income
-
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
-
6,006.68
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
-
138.90
114.77
111.24
102.64
85.66
81.59
49.62
51.93
67.30
82.81
PBT
-
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
-
847.84
711.90
172.37
373.62
523.11
979.82
819.95
168.24
36.44
398.98
Tax Rate
-
24.28%
23.50%
-30.97%
30.55%
41.47%
36.56%
26.87%
11.64%
3.38%
31.85%
PAT
-
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
-
2,643.42
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
2.97
86.77
20.87
22.06
-0.09
-5.73
-23.67
-6.03
0.00
PAT Margin
-
16.60%
17.09%
-5.03%
7.29%
5.69%
12.05%
17.12%
12.28%
12.43%
11.71%
PAT Growth
-
13.95%
-
-
14.44%
-55.28%
-23.63%
77.56%
20.98%
21.41%
 
EPS
-
10.60
9.30
-2.57
3.49
3.05
6.81
8.92
5.03
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.
58,225.94
47,303.84
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
122.51
250.50
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
36,409.13
890.86
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
4.27
5.29
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
4.27
5.29
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 15% jump in Q4 consolidated net profit
    28th Apr 2025, 16:29 PM

    Total consolidated income of the company increased by 9.56% at Rs 4,027.22 crore for Q4FY25

    Read More
  • L&T Finance raises Rs 1000 crore through NCDs
    16th Apr 2025, 11:52 AM

    The company has allotted 1,00,000 Senior, Secured, Rated, Listed, Redeemable, Non-Convertible Debentures

    Read More
  • L&T Finance reports 19% growth in retail loan book during Q4FY25
    4th Apr 2025, 12:59 PM

    Its retail disbursements stood at Rs 14,870 crore (estimated) in Q4FY25, marginally down from Rs 15,044 crore in Q4FY24

    Read More
  • L&T Finance raises Rs 360 crore through NCDs
    13th Feb 2025, 16:16 PM

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

    Read More
  • L&T Finance enters into gold loan business
    8th Feb 2025, 16:15 PM

    The gold loan franchise will be an addition to LTF’s portfolio of secured loan products

    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.