LTF · NSE
L&T Finance Limited
₹312.8
+3.47% (+₹10.5)
Prev. close
₹302.3
Volume
46,47,669
Delivery %
44.7%
As of
18 Sept 2026
Price history
Analyst sentiment
Analysts lean bullish
1 analyst stance · last 90 days · one per analyst
Trackable
1 · 1 bull / 0 neutral / 0 bear
Long-Horizon
none in window
Commentary
none in window
Trackable = verdict-bearing calls · Long-Horizon = 1yr+ horizon, verdict pending · Commentary = context, not graded
Analyst opinions
| Call | Analyst | Instrument | Verdict | Actions |
|---|---|---|---|---|
| “Recommends buying L&T Finance Ltd at ₹302 with a target of ₹332 and a stop-loss at ₹295.8. The stock has shown a technic…” | Vinay RajaniHDFC Securities | L&T Finance Ltd | NOT GRADED |
Fundamentals
About L&T Finance Limited
L&T Finance Limited, a non-banking financial company, provides various financial products and services in India. It offers housing loans; personal loans for medical emergencies, home renovation, wedding, vacation, education, and debt consolidation; two-wheeler loans; business loans, such as SME, doctor, chartered accountant, and professional loans, as well as supply chain financing solutions; rural loans comprising vikaas loans, vishwas loans, pragati loans, RLAP balance transfer, and micro loans against property; farmer loans, including new tractor loans, agri-implement loans, kisan suvidha top up, kisan suvidha top up plus, refinance loan, and warehouse receipt finance services; gold loans, such as sukhad loan, sampati loan, saraswati loan, safalta loan, sugam loan, and shubh loan; and loans against property. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. The company was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Sudipta Roy
Headquarters
Mumbai
Employees
41,301
Website
ltfinance.comExchange
View on NSE ↗Key stats
Market cap
₹75,767.03 Cr
P/E ratio (TTM)
23.8
Dividend yield
0.93%
EPS (TTM)
₹12.68
Beta (1Y · daily vs NIFTY 50)
1.66
Beta (5Y · monthly vs NIFTY 50)
1.92
Shares float
84.38 Cr
EPS · quarter ended Jun 2026
₹3.59
Upcoming earnings
14 Oct 2026
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide. EBITDA is omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹13,678.07 Cr | ₹11,929.70 Cr | ₹6,521.26 Cr | ₹7,859.26 Cr | ₹9,669.18 Cr | ₹10,635.18 Cr | |
| EBITDA | ₹8,782.21 Cr | — | ₹5,351.96 Cr | ₹8,520.99 Cr | ₹9,626.92 Cr | ₹10,927.94 Cr |
| ₹971.00 Cr | ₹1,070.11 Cr | ₹1,623.25 Cr | ₹2,320.10 Cr | ₹2,643.66 Cr | ₹2,981.18 Cr | |
| Diluted EPS | ₹4.47 | ₹4.32 | ₹6.54 | ₹9.3 | ₹10.57 | ₹11.88 |
EBITDA has filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1.09 L Cr | ₹1.07 L Cr | ₹1.06 L Cr | ₹1.03 L Cr | ₹1.20 L Cr | ₹1.42 L Cr | |
| Total debt | — | — | ₹83,104.90 Cr | ₹76,603.45 Cr | ₹92,372.44 Cr | ₹1.10 L Cr |
| Stockholders' equity | ₹18,773.00 Cr | ₹19,948.00 Cr | ₹21,529.00 Cr | ₹23,439.00 Cr | ₹25,564.00 Cr | ₹27,983.00 Cr |
Inventory, Receivables (trade + unbilled), Trade receivables, Unbilled receivables (contract assets), Cash & equivalents, CWIP, Total debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹5,464.00 Cr | ₹6,078.00 Cr | ₹7,490.00 Cr | ₹686.00 Cr | ₹-16,587.00 Cr | ₹-14,189.00 Cr | |
| Investing cash flow | ₹-2,024.48 Cr | ₹-5,083.54 Cr | ₹-334.76 Cr | ₹848.62 Cr | ₹470.86 Cr | ₹366.90 Cr |
| ₹-2,090.68 Cr | ₹-3,026.33 Cr | ₹-1,663.81 Cr | ₹-7,037.42 Cr | ₹15,418.51 Cr | ₹15,415.06 Cr | |
| Capital expenditure | ₹-53.00 Cr | ₹-78.00 Cr | ₹-128.00 Cr | ₹-119.00 Cr | ₹-195.00 Cr | ₹-239.00 Cr |
| End cash position | ₹6,947.79 Cr | ₹4,915.98 Cr | ₹9,108.68 Cr | ₹3,593.35 Cr | ₹2,896.22 Cr | ₹4,488.94 Cr |
Debt issued, Debt repaid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21 | Mar 22 | Jun 22 | Sep 22 | Dec 22 | Mar 23 | Jun 23 | Sep 23 | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 63.53% | 63.50% | 66.26% | 66.23% | 66.20% | 66.15% | 66.11% | 66.10% | 66.02% | 65.90% | 65.86% | 66.37% | 66.29% | 66.25% | 66.24% | 66.16% | 66.10% | 66.03% | 65.99% | 65.96% |
| Public | 36.47% | 36.50% | 33.74% | 33.77% | 33.80% | 33.85% | 33.89% | 33.90% | 33.98% | 34.10% | 34.14% | 33.63% | 33.71% | 33.75% | 33.76% | 33.84% | 33.90% | 33.97% | 34.01% | 34.04% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| L&T Finance Limited | ₹74,053.65 Cr | ₹302.3 | 23.3 | 2.65 | 10.7% | 3.94 | +10.0% | +24.5% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 16
Concall transcripts
Show all 10
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
40 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.