Laxmi India Finance Ltd (LAXMIINDIA) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

87.23 k (-28.65%) Volume

Shareholding (Sep 2025)

FII

4.61%

Held by 12 FIIs

DII

5.02%

Held by 1 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.

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.

Which are the latest news on Laxmi India Fin.?

15-Dec-2025

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

Why is Laxmi India Fin. falling/rising?

16-Dec-2025

As of 15-Dec, Laxmi India Finance Ltd's stock price is declining, currently at 131.00, reflecting a bearish trend due to underperformance, low investor participation, and trading below key moving averages.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Unrated Stock - No Analysis Available

Mojo Parameters

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Stock DNA

Industry

Non Banking Financial Company (NBFC)

Market cap

INR 681 Cr (Micro Cap)

P/E

19.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

2.57

Return on Equity

8.27%

Price to Book

1.59

Revenue and Profits:

Net Sales:

76 Cr

(Quarterly Results - Sep 2025)

Net Profit:

9 Cr

Total Returns

Total Returns (Price + Dividend)

Company does not have enough history

Risk Adjusted Returns v/s

Returns Beta

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

News & Corporate Actions

News

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 c...

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 Cr, an increase from 173.14 Cr in March 2024. The total operating income also rose to 245.71 Cr from 173.14 Cr, while total expenditure increased to 198.78 Cr from 143.85 Cr. Operating profit (PBDIT) excluding other income improved to 46.93 Cr from 29.29 Cr, leading to an overall operating profit of 49.26 Cr, up from 31.17 Cr. Despite a rise in interest expenses to 114.63 Cr from 83.42 Cr, profit before tax increased to 47.36 Cr from 29.63 Cr, and profit after tax rose to 36.00 Cr from 22.47 Cr. The earnings per share (EPS) improved to 8.61 from 5.66, and the PAT margin increased to 14.65% from 12.98%. On the balance sheet, total assets grew to 1,412.52 Cr from 984.84 Cr, wit...

Is Laxmi India Fin. overvalued or undervalued?

As of 13 November 2025, Laxmi India Fin. has moved from a fair to an attractive valuation grade. The company is currently considered undervalued based on its financial ratios, which include a PE ratio of 21.39, an EV to EBITDA of 36.06, and a ROE of 13.96%. In comparison to its peers, Laxmi India Fin. has a more favorable valuation than Bajaj Finance, which has a PE ratio of 34.18, and Bajaj Finserv, with a PE ratio of 33.91, both categorized as expensive. The valuation metrics suggest that Laxmi India Fin. is positioned well within the Non-Banking Financial Company (NBFC) sector, especially with a PEG ratio of 0.00 indicating potential growth at a reasonable price. Additionally, the stock has outperformed the Sensex over the past week, returning 2.65% compared to the Sensex's 1.40%, reinforcing the attractiveness of its current valuation....

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

9.63%

ROE (avg)

12.56%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.57

EV to EBIT

34.55

EV to EBITDA

33.15

EV to Capital Employed

1.19

EV to Sales

6.33

PEG Ratio

Dividend Yield

ROCE (Latest)

3.45%

ROE (Latest)

8.27%

Technicals key factors

Indicator

Weekly

Monthly

No records

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

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 12 FIIs (4.61%)

Promoter with highest holding

Hirak Vinimay Private Limited (41.61%)

Highest Public shareholder

Mukul Mahavir Agrawal (3.83%)

Individual Investors Holdings

23.46%

Financial

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    "header": "Quarterly Results Snapshot (Standalone) - Sep'25 - QoQ",
    "rhs": [
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        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Sep 2025 is 8.60% vs -6.18% in Jun 2025",
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        "prefix": "Standalone Net Profit ",
        "suffix": "QoQ Growth in quarter ended Sep 2025 is -3.89% vs -32.88% in Jun 2025",
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        "Sep'25",
        "Jun'25",
        "Change(%)"
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          "field": "Net Sales",
          "val1": "75.67",
          "val2": "69.68",
          "chgp": "8.60%",
          "chgp_class": "positive"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "46.55",
          "val2": "46.05",
          "chgp": "1.09%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "33.82",
          "val2": "33.23",
          "chgp": "1.78%",
          "chgp_class": "negative"
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        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "9.40",
          "val2": "9.78",
          "chgp": "-3.89%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "61.52%",
          "val2": "66.09%",
          "chgp": "-4.57%",
          "chgp_class": "negative"
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    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2025 is 31.84% vs 50.82% in Sep 2024",
        "dir": -1
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        "prefix": "Standalone Net Profit ",
        "suffix": " Growth in half year ended Sep 2025 is 25.52% vs 163.45% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'25",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "145.35",
          "val2": "110.25",
          "chgp": "31.84%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "25.56",
          "val2": "20.08",
          "chgp": "27.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "67.05",
          "val2": "52.54",
          "chgp": "27.62%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "19.18",
          "val2": "15.28",
          "chgp": "25.52%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "17.59%",
          "val2": "18.21%",
          "chgp": "-0.62%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
        "dir": 0
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
        "dir": 0
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'25",
        "Change(%)"
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      "body": [
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          "field": "Net Sales",
          "val1": "171.44",
          "val2": "148.77",
          "chgp": "15.24%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "58.45",
          "val2": "53.59",
          "chgp": "9.07%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "82.96",
          "val2": "73.09",
          "chgp": "13.50%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "21.43",
          "val2": "15.20",
          "chgp": "40.99%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "34.09%",
          "val2": "36.02%",
          "chgp": "-1.93%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
        "dir": 0
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
        "dir": 0
      }
    ],
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      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
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          "field": "Net Sales",
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          "val2": "173.14",
          "chgp": "41.91%",
          "chgp_class": "positive"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "46.93",
          "val2": "29.29",
          "chgp": "60.23%",
          "chgp_class": "positive"
        },
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          "field": "Interest",
          "val1": "114.63",
          "val2": "83.42",
          "chgp": "37.41%",
          "chgp_class": "negative"
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        {
          "field": "Exceptional Items",
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          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Standalone Net Profit",
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          "chgp_class": "positive"
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "16.92%",
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          "chgp_class": "positive"
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Quarterly Results Snapshot (Standalone) - Sep'25 - QoQ

Sep'25

Jun'25

Change(%)

Net Sales

75.67

69.68

8.60%

Operating Profit (PBDIT) excl Other Income

46.55

46.05

1.09%

Interest

33.82

33.23

1.78%

Exceptional Items

0.00

Standalone Net Profit

9.40

9.78

-3.89%

Operating Profit Margin (Excl OI)

61.52%

66.09%

-4.57%

Values in Rs Cr.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Sep 2025 is 8.60% vs -6.18% in Jun 2025

Standalone Net Profit

QoQ Growth in quarter ended Sep 2025 is -3.89% vs -32.88% in Jun 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'24

Dec'24

Sep'25

Change(%)

Net Sales

171.44

148.77

15.24%

Operating Profit (PBDIT) excl Other Income

58.45

53.59

9.07%

Interest

82.96

73.09

13.50%

Exceptional Items

0.00

Standalone Net Profit

21.43

15.20

40.99%

Operating Profit Margin (Excl OI)

34.09%

36.02%

-1.93%

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 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

Laxmi India Fin.

1Day

52 Week

CASH

FII

DII

Promoter

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

Watch in Real-Time

Is Laxmi India Fin. overvalued or undervalued?

Which are the latest news on Laxmi India Fin.?

Why is Laxmi India Fin. falling/rising?

MarketsMojo — Loved in India, Now Global

Dashboard

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

Returns Beta

News

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

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

Is Laxmi India Fin. overvalued or undervalued?

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

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

Half Yearly Results Snapshot (Standalone) - Sep'25

Nine Monthly Results Snapshot (Standalone) - Dec'24

Annual Results Snapshot (Standalone) - Mar'25

About Laxmi India Finance Ltd

Company Coordinates