L&T Finance Ltd

Why is L&T Finance Ltd falling/rising?

As of 08-Aug, L&T Finance Ltd's stock price is declining to Rs 310.90, down 2.54%, with significant drops in delivery volume and investor participation. Despite recent positive financial results, concerns over long-term growth prospects and valuation metrics are contributing to the stock's underperformance.

As of 08-Aug, L&T Finance Ltd's stock price is falling, currently at Rs 310.90, which reflects a decrease of Rs 8.1 or 2.54%. The stock has underperformed against the sector today by 0.52%, and it reached an intraday low of Rs 305.7, marking a decline of 4.17%. Additionally, the stock's delivery volume has significantly decreased, with a drop of 66.64% compared to the 5-day average, indicating falling investor participation.<BR><BR>Despite positive financial results over the last three quarters, including record net sales and operating profit, the stock faces challenges such as poor long-term growth prospects, with net sales growing at an annual rate of only 7.34%. The company's return on equity (ROE) stands at 10.7, and it is trading at a premium with a price-to-book value of 2.8, which may deter some investors. Furthermore, while the stock has shown strong performance over the past year with a return of 55.10%, its profits have only increased by 20.5%, leading to a PEG ratio of 1.2, suggesting that the stock may be overvalued relative to its growth. These factors contribute to the current decline in the stock price.

Which are the latest news on L&T Finance Ltd?

Are L&T Finance Ltd latest results good or bad?

L&T Finance Ltd's Q1 FY27 results are strong, with a net profit of ₹902.47 crores (up 28.72%) and net sales of ₹5,212.92 crores (up 22.38%). While the financial performance shows positive growth trends, investors should be cautious of the high P/E ratio of 26.81.

L&T Finance Ltd's latest results for Q1 FY27 can be considered quite strong. The company reported a net profit of ₹902.47 crores, which reflects a significant year-on-year growth of 28.72%. Additionally, net sales reached ₹5,212.92 crores, marking a robust 22.38% increase compared to the same quarter last year. <BR><BR>The operating margin also reached a record high of 62.13%, indicating effective cost management and operational efficiency. Furthermore, the return on equity (ROE) improved to 10.73%, showcasing better capital efficiency.<BR><BR>Overall, the financial performance demonstrates strong operational momentum, with both revenue and profit growth indicating a healthy business trajectory. However, investors should remain mindful of the elevated valuation metrics, such as a P/E ratio of 26.81, which suggests that the stock may be priced at a premium relative to its growth prospects. <BR><BR>In summary, the results are good, reflecting operational excellence and positive growth trends, although caution regarding valuation is warranted.

Should I buy, sell or hold L&T Finance Ltd?

When is the next results date for L&T Finance Ltd?

L&T Finance Ltd will announce its results on 10 July 2026.

L&T Finance Ltd will declare its results on 10 July 2026.

How big is L&T Finance Ltd?

As of 10th June, L&T Finance Ltd has a market capitalization of 66,734.00 Cr, with net sales of 17,944.62 Cr and a net profit of 2,981.18 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: L&T Finance Ltd has a market capitalization of 66,734.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 17,944.62 Cr, while the sum of Net Profit for the same period is 2,981.18 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026. Shareholder's Funds amount to 27,983.53 Cr, and Total Assets are valued at 1,40,383.00 Cr.

Who are in the management team of L&T Finance Ltd?

The management team of L&T Finance Ltd includes Chairperson S N Subrahmanyan, Managing Director & CEO Dinanath Dubhashi, and several independent directors, among others. They are responsible for guiding the company's strategic direction and operations.

The management team of L&T Finance Ltd includes the following key members:<BR><BR>1. **S N Subrahmanyan** - Chairperson<BR>2. **Dinanath Dubhashi** - Managing Director & CEO<BR>3. **Shailesh V Haribhakti** - Chairman & Independent Director<BR>4. **R Shankar Raman** - Director<BR>5. **P V Bhide** - Independent Director<BR>6. **Thomas Mathew T** - Independent Director<BR>7. **Rajani R Gupte** - Independent Director<BR>8. **Pavninder Singh** - Nominee<BR>9. **Apurva Rathod** - Company Secretary & Compliance Officer<BR><BR>This team plays a crucial role in guiding the company's strategic direction and operations.

Who are the peers of the L&T Finance Ltd?

L&T Finance Ltd's peers include Jio Financial, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, SBI Cards, HDB FINANC SER, Sundaram Finance, Authum Invest., and M & M Fin. Serv. In terms of performance, L&T Finance has a 1-year return of 35.95%, with average management risk and below-average growth compared to its peers.

Peers: The peers of L&T Finance Ltd are Jio Financial, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, SBI Cards, HDB FINANC SER, Sundaram Finance, Authum Invest., and M & M Fin. Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Cholaman.Inv.&Fn, Muthoot Finance, and SBI Cards, while Good management risk is found at Aditya Birla Cap, HDB FINANC SER, and Sundaram Finance. Average management risk is present at Jio Financial, L&T Finance Ltd, Authum Invest., and M & M Fin. Serv. In terms of Growth, Excellent growth is seen at Jio Financial, Good growth at Cholaman.Inv.&Fn and Muthoot Finance, while Below Average growth is noted at L&T Finance Ltd, Authum Invest., and HDB FINANC SER. Capital Structure is Excellent for Jio Financial, Muthoot Finance, L&T Finance Ltd, SBI Cards, and Sundaram Finance, while Good capital structure is found at Cholaman.Inv.&Fn and HDB FINANC SER.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Muthoot Finance at 14.11%, while SBI Cards has the lowest at -41.96%. L&T Finance Ltd has a 1-year return of 35.95%, which is significantly higher than SBI Cards but lower than Muthoot Finance. Additionally, peers with negative six-month returns include Jio Financial, Cholaman.Inv.&Fn, Muthoot Finance, SBI Cards, Sundaram Finance, and M & M Fin. Serv.

What does L&T Finance Ltd do?

L&T Finance Ltd is a financial holding company in the NBFC sector, offering a range of financial products and services. As of March 2026, it reported net sales of ₹4,771 Cr and a net profit of ₹807 Cr, with a market cap of ₹66,734 Cr.

Overview:<BR>L&T Finance Ltd is a financial holding company operating in the Non Banking Financial Company (NBFC) sector, offering a focused range of financial products and services.<BR><BR>History:<BR>L&T Finance Holdings Ltd. (LTFH) is the parent company of L&T Finance Ltd, which is registered with the RBI as a CIC-ND-SI. The latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 4,771 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 807 Cr (Quarterly Results - Mar 2026)<BR>- Market Cap: INR 66,734 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>- P/E: 22.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 1.02%<BR>- Debt Equity: 3.94<BR>- Return on Equity: 10.73%<BR>- Price to Book: 2.38<BR><BR>Contact Details:<BR>- Address: Brindavan Plot No 177 CST Road, Kalina Santacruz (East) Mumbai Maharashtra : 400098<BR>- Tel: 91-22-62125000<BR>- Email: igrc@ltfs.com<BR>- Website: http://www.ltfs.com

Is L&T Finance Ltd overvalued or undervalued?

As of October 17, 2025, L&T Finance Ltd is fairly valued with a PE ratio of 24.70, outperforming the Sensex with a year-to-date return of 96.50%, making it a reasonable investment compared to peers like Bajaj Finance and Life Insurance.

As of 17 October 2025, L&T Finance Ltd has moved from an expensive to a fair valuation grade. The company is currently fairly valued, with a PE ratio of 24.70, an EV to EBITDA of 8.25, and a Price to Book Value of 0.25. This places it in a more favorable position compared to peers such as Bajaj Finance, which is very expensive with a PE of 38.21, and Life Insurance, which is very attractive with a PE of 11.49.<BR><BR>In terms of performance, L&T Finance Ltd has shown significant returns, outperforming the Sensex with a year-to-date return of 96.50% compared to the Sensex's 7.44%. The company's ROCE stands at 3.56% and ROE at 1.02%, indicating room for improvement but still reflecting a stable operational performance relative to its peers. Overall, L&T Finance Ltd appears to be a fair investment opportunity within the current market landscape.

How has been the historical performance of L&T Finance Ltd?

L&T Finance Ltd has shown improved sales and profitability from Mar'22 to Mar'25, with net sales rising to 15,924.24 Cr and profit after tax recovering to 2,643.42 Cr. However, the company faces challenges with increasing liabilities and negative cash flow from operating activities.

Answer:<BR>The historical performance of L&T Finance Ltd shows a mixed trend over the years, with significant fluctuations in revenue and profitability.<BR><BR>Breakdown:<BR>L&T Finance Ltd's net sales have shown a steady increase from Mar'22 to Mar'25, rising from 11,929.70 Cr in Mar'22 to 15,924.24 Cr in Mar'25. The total operating income followed a similar trajectory, reaching 15,924.24 Cr in Mar'25. However, the total expenditure, excluding depreciation, also increased to 6,314.06 Cr in Mar'25 from 5,244.27 Cr in Mar'22. Operating profit, excluding other income, improved to 9,610.18 Cr in Mar'25, up from 6,685.43 Cr in Mar'22, while profit before tax rebounded to 3,491.26 Cr in Mar'25 after a loss of -556.52 Cr in Mar'23. Profit after tax also saw a recovery, reaching 2,643.42 Cr in Mar'25 compared to a loss of -728.89 Cr in Mar'23. The company's total liabilities increased to 1,18,626.23 Cr in Mar'25 from 1,05,457.61 Cr in Mar'22, with total debt rising to 92,246.90 Cr in Mar'25. Cash flow from operating activities turned negative at -16,586.00 Cr in Mar'25, contrasting with a positive cash flow of 6,718.00 Cr in Mar'23. Overall, while L&T Finance Ltd has improved its sales and profitability in recent years, challenges remain in managing cash flow and liabilities.

Is L&T Finance Ltd technically bullish or bearish?

As of September 2, 2025, L&T Finance Ltd shows a bullish trend supported by strong MACD and moving averages, despite some short-term weakness indicated by the weekly RSI and mildly bearish signals from KST and Dow Theory.

As of 2 September 2025, the technical trend for L&T Finance Ltd has changed from mildly bullish to bullish. The current stance is bullish with a strong emphasis on the weekly and monthly MACD, both indicating bullish momentum. The daily moving averages also support this bullish outlook. However, the weekly RSI is bearish, suggesting some short-term weakness. The Bollinger Bands are bullish on both weekly and monthly time frames, reinforcing the overall positive sentiment. Despite the mildly bearish signals from KST and Dow Theory on the weekly time frame, the overall technical indicators lean towards a bullish stance, particularly supported by the strong performance relative to the Sensex over various periods.

Who are the top shareholders of the L&T Finance Ltd?

The top shareholders of L&T Finance Ltd are Larsen And Toubro Limited with 66.16%, followed by mutual funds at 8.15%, foreign institutional investors at 6.19%, and Mirae Asset Large & Midcap Fund as the largest public shareholder at 3.47%. Individual investors hold 10.59% of the shares.

The top shareholders of L&T Finance Ltd include Larsen And Toubro Limited, which holds the largest stake at 66.16%. Other significant shareholders are mutual funds, represented by 28 schemes that collectively hold 8.15%, and foreign institutional investors (FIIs), with 147 FIIs holding 6.19%. The highest public shareholder is Mirae Asset Large & Midcap Fund, owning 3.47%. Additionally, individual investors account for 10.59% of the holdings.

Has L&T Finance Ltd declared dividend?

Yes, L&T Finance Ltd has declared a dividend of 27%, amounting to ₹2.7 per share, with an ex-date of May 27, 2025. The company has shown strong total returns across various periods, including a total return of 29.53% over the last 6 months.

L&T Finance Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 27%<BR>- Amount per share: 2.7<BR>- Ex-date: May 27, 2025<BR><BR>Dividend Yield: 2.83%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, L&T Finance Ltd achieved a price return of 27.71%, a dividend return of 1.82%, resulting in a total return of 29.53%.<BR><BR>Over the past year, the company recorded a price return of 19.32%, a dividend return of 3.15%, leading to a total return of 22.47%.<BR><BR>In the 2-year period, the price return was 77.89%, with a dividend return of 6.10%, culminating in a total return of 83.99%.<BR><BR>For the 3-year period, the price return stood at 149.7%, while the dividend return was 11.31%, resulting in a total return of 161.01%.<BR><BR>In the last 4 years, L&T Finance Ltd experienced a price return of 94.87%, a dividend return of 8.11%, which led to a total return of 102.98%.<BR><BR>Over the past 5 years, the company achieved a remarkable price return of 205.31%, with a dividend return of 11.13%, resulting in a total return of 216.44%.<BR><BR>Overall, L&T Finance Ltd has declared a significant dividend and demonstrated strong total returns across multiple periods, indicating robust financial performance and shareholder value enhancement.