LAXMIINDIA Share Price | Laxmi India Finance Ltd Stock Analysis & Recommendation

Q: How has been the historical performance of Laxmi India Fin.?

Answer:The historical performance of Laxmi India Fin. shows significant growth in various financial metrics over the past year.Breakdown:In the standalone annual results for March 2025, Laxmi India Fin. reported net sales of 245.71 crore, a notable increase from 173.14 crore in March 2024. The total operating income also rose to 245.71 crore from 173.14 crore, while total expenditure increased to 198.78 crore from 143.85 crore, driven by higher employee costs and other expenses. The operating profit (PBDIT) grew to 49.26 crore from 31.17 crore, reflecting an improved operating profit margin of 19.1%, up from 16.92%. Profit before tax increased to 47.36 crore from 29.63 crore, and profit after tax rose to 36.00 crore from 22.47 crore, resulting in a PAT margin of 14.65%, up from 12.98%. The company's equity capital increased to 20.91 crore from 19.86 crore, and reserves grew to 236.98 crore from 181.87 crore. Earnings per share improved to 8.61 from 5.66, while the book value per share adjusted to 61.68 from 50.78. On the balance sheet, total assets rose to 1,412.52 crore from 984.84 crore, with total liabilities also increasing to 1,412.52 crore from 984.84 crore, primarily due to a rise in short-term borrowings. Cash flow analysis indicates a net cash inflow of 60.00 crore in March 2025, compared to a net outflow of 53.00 crore in March 2024, with closing cash and cash equivalents increasing to 102.00 crore from 42.00 crore. Overall, Laxmi India Fin. has demonstrated strong growth in sales, profits, and cash flow, indicating a positive trend in its financial performance.

Q: Is Laxmi India Fin. overvalued or undervalued?

As of 4 December 2025, the valuation grade for Laxmi India Fin. has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued. Key ratios include a PE Ratio of 19.69, an EV to EBITDA of 33.66, and a ROE of 8.27%. In comparison to peers, Laxmi India Fin. stands out with a lower PE ratio than Bajaj Finance, which is very expensive at 34.9, and a more favorable PEG ratio of 0.00 compared to Bajaj Finserv's PEG of 2.45. While the stock has shown a slight decline of 0.44% over the past week, it remains an attractive investment opportunity within the Non-Banking Financial Company sector.

Q: Why is Laxmi India Finance Ltd falling/rising?

As of 02-Apr, Laxmi India Finance Ltd's stock price is falling, currently at 78.90, reflecting a change of -0.48 (-0.6%). The stock has underperformed significantly compared to the benchmark Sensex over various periods, with a decline of 4.68% over the past week and 12.73% over the past month, while the Sensex has decreased by 2.60% and 8.62%, respectively. Year-to-date, the stock has dropped by 36.78%, compared to a 13.96% decline in the Sensex.Additionally, the stock is trading below its moving averages across all time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. The finance/NBFC sector has also seen a decline of 8.45%, contributing to the negative sentiment surrounding the stock. Furthermore, there has been a significant drop in investor participation, with delivery volume falling by 75.68% against the 5-day average, suggesting reduced interest from investors. These factors collectively indicate a downward trend in Laxmi India Finance Ltd's stock price.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.44 lacs (-64.49%) Volume

Shareholding (Dec 2025)

FII

3.31%

Held by 9 FIIs

DII

4.61%

Held by 0 DIIs

Promoter

60.45%

How has been the historical performance of Laxmi India Fin.?

17-Nov-2025

Laxmi India Fin. has shown significant growth in financial performance, with net sales increasing to 245.71 crore in March 2025 from 173.14 crore in March 2024, and profit after tax rising to 36.00 crore from 22.47 crore. The company also reported improved margins, increased equity capital, and a positive cash flow trend.

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Is Laxmi India Fin. overvalued or undervalued?

05-Dec-2025

As of December 4, 2025, Laxmi India Fin. is considered very attractive and undervalued, with a PE ratio of 19.69, an EV to EBITDA of 33.66, and a ROE of 8.27%, making it a favorable investment compared to peers like Bajaj Finance and Bajaj Finserv.

View full answer

Why is Laxmi India Finance Ltd falling/rising?

03-Apr-2026

As of 02-Apr, Laxmi India Finance Ltd's stock price is at 78.90, down 0.6%, and has significantly underperformed the Sensex, declining 36.78% year-to-date. The stock is trading below all moving averages, indicating a bearish trend, and has seen a 75.68% drop in investor participation.

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Which are the latest news on Laxmi India Fin.?

03-Apr-2026

Laxmi India Finance Ltd Falls to 52-Week Low of Rs 74 as Sell-Off Deepens
Laxmi India Finance Ltd is Rated Sell

Compare Laxmi India Fin. with Similar Stocks

Unifinz Capital Mangal Credit NDL Ventures

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.56%

Falling Participation by Institutional Investors

Mojo Parameters

Loading Valuation Snapshot...

Stock DNA

Industry

Non Banking Financial Company (NBFC)

Market cap

INR 396 Cr (Micro Cap)

P/E

9.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

2.57

Return on Equity

8.27%

Price to Book

0.96

Revenue and Profits:

Net Sales:

79 Cr

(Quarterly Results - Dec 2025)

Net Profit:

10 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0%)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-37.16%

6 Months

-46.39%

1 Year

0.0%

2 Years

0.0%

3 Years

0.0%

4 Years

0.0%

5 Years

0.0%

Laxmi India Fin. for the last several years.

Risk Adjusted Returns v/s

Returns Beta

Beta has not been calculated since enough price history is not available

News & Corporate Actions

News

Laxmi India Finance Ltd Falls to 52-Week Low of Rs 74 as Sell-Off Deepens

Read full news article

Laxmi India Finance Ltd is Rated Sell

Laxmi India Finance Ltd is rated 'Sell' by MarketsMOJO, with this rating last updated on 18 Nov 2025. However, the analysis and financial metrics discussed here reflect the stock's current position as of 25 March 2026, providing investors with the latest insights into its performance and outlook.

Read full news article

Laxmi India Finance Ltd Falls to 52-Week Low of Rs 77.49 Amid Sector and Market Weakness

Read full news article

Announcements

No announcement available

Corporate Actions

BOARD MEETING

No Upcoming Board Meetings

DIVIDEND

No Dividend history available

SPLITS

No Splits history available

BONUS

No Bonus history available

RIGHTS

No Rights history available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

41.90%

EBIT Growth (5y)

59.78%

Net Debt to Equity (avg)

4.42

Institutional Holding

7.92%

ROE (avg)

12.56%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.95

EV to EBIT

28.50

EV to EBITDA

27.34

EV to Capital Employed

0.98

EV to Sales

5.22

PEG Ratio

Dividend Yield

ROCE (Latest)

3.45%

ROE (Latest)

8.27%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

KST

Dow Theory

Bearish

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 9 FIIs (3.31%)

Promoter with highest holding

Hirak Vinimay Private Limited (41.61%)

Highest Public shareholder

Mukul Mahavir Agrawal (3.83%)

Individual Investors Holdings

23.86%

Financial

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Quarterly Results Snapshot (Standalone) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

78.83

75.67

4.18%

Operating Profit (PBDIT) excl Other Income

47.10

46.55

1.18%

Interest

34.03

33.82

0.62%

Exceptional Items

0.00

Standalone Net Profit

10.06

9.40

7.02%

Operating Profit Margin (Excl OI)

59.75%

61.52%

-1.77%

Values in Rs Cr.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is 4.18% vs 8.60% in Sep 2025

Standalone Net Profit

QoQ Growth in quarter ended Dec 2025 is 7.02% vs -3.89% in Sep 2025

All Quarterly Results

Half Yearly Results Snapshot (Standalone) - Sep'25

Sep'25

Sep'24

Change(%)

Net Sales

145.35

110.25

31.84%

Operating Profit (PBDIT) excl Other Income

25.56

20.08

27.29%

Interest

67.05

52.54

27.62%

Exceptional Items

0.00

Standalone Net Profit

19.18

15.28

25.52%

Operating Profit Margin (Excl OI)

17.59%

18.21%

-0.62%

Values in Rs Cr.

Compare with Peers

Net Sales

Growth in half year ended Sep 2025 is 31.84% vs 50.82% in Sep 2024

Standalone Net Profit

Growth in half year ended Sep 2025 is 25.52% vs 163.45% in Sep 2024

All Half Yearly Results

Nine Monthly Results Snapshot (Standalone) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

224.18

171.44

30.76%

Operating Profit (PBDIT) excl Other Income

72.66

58.45

24.31%

Interest

101.08

82.96

21.84%

Exceptional Items

0.00

Standalone Net Profit

29.24

21.43

36.44%

Operating Profit Margin (Excl OI)

32.41%

34.09%

-1.68%

Values in Rs Cr.

Compare with Peers

Net Sales

YoY Growth in nine months ended Dec 2025 is 30.76% vs 12.84% in Dec 2024

Standalone Net Profit

YoY Growth in nine months ended Dec 2025 is 36.44% vs 35.12% in Dec 2024

All Nine Monthly Results

Annual Results Snapshot (Standalone) - Mar'25

Mar'25

Mar'24

Change(%)

Net Sales

245.71

173.14

41.91%

Operating Profit (PBDIT) excl Other Income

46.93

29.29

60.23%

Interest

114.63

83.42

37.41%

Exceptional Items

0.00

Standalone Net Profit

36.00

22.47

60.21%

Operating Profit Margin (Excl OI)

19.10%

16.92%

2.18%

Values in Rs Cr.

Compare with Peers

Net Sales

Not Applicable: The company has declared_date for only one period

Standalone Net Profit

Not Applicable: The company has declared_date for only one period

All Annual Results

Company CV

About Laxmi India Finance Ltd

Laxmi India Finance Ltd

Micro Cap

Non Banking Financial Company (NBFC)

No Details Available.

Company Coordinates

No Company Details Available