L&T Finance
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L&T Finance share price

L&T Finance Ltd.

NSE: LTF BSE: 533519 SECTOR: Finance - NBFC  3.27 L   1.16 K   325

233.50
+0.75 (0.32%)
BSE: 11 Sep 04:01 PM

Price Summary

Today's High

₹ 235.05

Today's Low

₹ 232.25

52 Week High

₹ 236.5

52 Week Low

₹ 129.15

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 58371.96 Cr.

Advances

₹ 57912.28 Cr.

No. of Shares

249.99 Cr.

P/E

22.17

P/B

2.26

Face Value

₹ 10

Div. Yield

1.18 %

Book Value (TTM)

₹  103.54

Operating Revenue

₹ 15912.13 Cr.

Net Profit

₹ 2617.81 Cr.

Promoter Holding

66.16 %

EPS (TTM)

₹  10.53

Sales Growth

17.22

ROE

10.85 %

ROCE

8.71%

Profit Growth

14.5 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year17.22%
3 Year261.84%
5 Year101.8%

Profit Growth

1 Year14.5%
3 Year128.93%
5 Year57.89%

ROE%

1 Year10.85%
3 Year11.03%
5 Year7.27%

ROCE %

1 Year8.71%
3 Year10.45%
5 Year7.44%

ROA%

2.3932

PEG Ratio

1.56

PAT Margin (%)

16.4517

EPS Growth(%)

14.231

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 66.16 0.00
Mar 2025 66.24 0.00
Dec 2024 66.25 0.00
Sep 2024 66.29 0.00
Jun 2024 66.37 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.5176 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 261.837396139756%.
  • The company has delivered substantial profit growth of 128.932646235292% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 269.254792351759%.
  • Promoters shareholding is 66.16%.

 Limitations

  • Provision and contingencies have increased by 23.5058761423654%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 3782.09 4015.2 4095.09 4019.75 4256.75
Other Income 0.56 5.05 7.7 4.68 0.32
Interest Expended 1351.4 1476.27 1569.23 1599.83 1635.73
Operating Expenses 1491.1 1582.84 1684.27 1587.28 1648.66
Total Provisions 0 0 0 0 0
Depreciation 27.01 31.81 34.69 39.46 39.13
Profit Before Tax 913.14 929.33 814.6 797.86 933.55
Tax 234.22 240.21 195.42 167.27 239.46
Net Profit 678.92 689.12 619.18 630.59 694.09
Adjusted EPS (RS) 2.73 2.76 2.48 2.53 2.78

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 171.26 335.87 12898.2 13574.43 15912.13
Other Income 20.16 14.62 2572.14 2152.23 2254.04
Interest 192.96 73.49 5822.21 5386.64 6006.65
Operating Expenses 26.03 22.32 2808.16 3527.52 3979.13
Total Provisions 8.32 0.25 4487.14 3825.86 4725.46
Exceptional Items 224.68 0 170.92 0 0
Profit Before Tax 188.79 254.43 2523.75 2986.64 3454.93
Tax 72.74 36.25 603.88 700.41 837.12
Profit After Tax 116.05 218.18 1919.87 2286.23 2617.81
Adjusted EPS (Rs.) 0.47 0.88 7.74 9.19 10.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 2469.45 2474.04 2479.67 2488.94 2494.87
Total Reserves 8540.84 8797.09 18839.17 20706.02 22799.85
Borrowings 1324.47 99.82 60096.44 33028.75 39593.53
Other N/C liabilities -0.34 0.32 -1841.32 -1768.73 -1625.1
Current liabilities 504.92 52.75 24611.81 46053.37 55001.02
Total Liabilities 12839.34 11424.02 104185.77 100508.35 118264.17
Assets
Loans 1297.19 1150.25 75154.55 47012.17 57912.28
Net Block 0.93 0.56 216.46 207.69 332.74
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 4.81 35.62 45
Investments 10069.68 9202.12 14387.79 7153.06 6228.88
Other Loans 20.47 25.17 674.7 289.52 311.4
Other N/C Assets 0 867.56 0 658.24 836.73
Current Assets 1451.07 178.36 13747.46 45152.05 52597.14
Total Assets 12839.34 11424.02 104185.77 100508.35 118264.17
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 66.37 66.29 66.25 66.24 66.16
larsen and toubro limited... 66.37 66.29 66.25 66.24 66.16
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 33.63 33.71 33.75 33.76 33.84
icici prudential life ins... 1.50 1.46 1.44 1.44 1.47
invesco india flexi cap f... - - 1.17 1.29 1.65
investor education and pr... - 0.01 - 0.01 0.01
l&t employees welfare fou... 1.46 1.46 1.61 1.61 1.26
life insurance corporatio... 1.94 1.94 2.07 2.28 1.70
llp 0.04 0.03 0.02 0.01 0.02
mirae asset large & midca... 1.74 2.57 2.88 3.46 3.47
tata aia life insurance c... - - 1.46 1.54 1.58
investor education and pr... 0.01 - 0.01 - -
invesco india arbitrage f... 1.23 1.07 - - -

Annual Reports

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Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

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Company News

L&T Finance Stock Price Analysis and Quick Research Report. Is L&T Finance an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse L&T Finance. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of L&T Finance is Rs 2617.81 Cr. and the compounded growth of profit in the past 3 years is 128.930750090982%. The PAT margin of L&T Finance is 16.4517%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In L&T Finance , the EPS grew by 14.231% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): L&T Finance has a average ROE track record. The ROE of L&T Finance is at 10.8465% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of L&T Finance is worth at the current levels at Rs 233.51. L&T Finance is trading at a current P/E ratio of 14.6005 and the average historical P/E for the last 5 years was 67.50326.
  • P/B ratio can be one of the best metrics to value such companies. Currently, L&T Finance is trading at a P/B of 2.25521792584852. The average historical P/B for the last 5 years was 1.63352. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of L&T Finance in Ticker for free. Also, one can get the intrinsic value of L&T Finance by using Valuation Calculators, which are available with a Finology ONE subscription. 

L&T Finance FAQs

Q1. What is L&T Finance share price today?
Ans: The current share price of L&T Finance is Rs 233.51.

Q2. What is the market capitalisation of L&T Finance?
Ans: L&T Finance has a market capitalisation of Rs 58374.462992291 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of L&T Finance?
Ans: The PE ratio of L&T Finance is 22.1704248753857 and the P/B ratio of L&T Finance is 2.25521792584852, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of L&T Finance share?
Ans: The 52-week high share price of L&T Finance is Rs 236.45, and the 52-week low share price of L&T Finance is Rs 129.2.

Q5. Does L&T Finance pay dividends?
Ans: Currently, L&T Finance pays dividends. Dividend yield of L&T Finance is around 1.177%.

Q6. What are the face value and book value of L&T Finance shares?
Ans: The face value of L&T Finance shares is Rs 10, while the book value per share of L&T Finance is around Rs 103.5421. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of L&T Finance?
Ans: The ROE of L&T Finance is 10.8465% and ROCE of L&T Finance is 8.7092%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is L&T Finance a good buy for the long term?
Ans: The L&T Finance long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is L&T Finance undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the L&T Finance appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check L&T Finance’s financials?
Ans: You can review L&T Finance’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about L&T Finance
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