Laxmi India Fin.

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

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.

Answer:<BR>The historical performance of Laxmi India Fin. shows significant growth in various financial metrics over the past year.<BR><BR>Breakdown:<BR>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.

Is Laxmi India Fin. overvalued or undervalued?

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.

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%. <BR><BR>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.

Why is Laxmi India Finance Ltd falling/rising?

As of 17-Mar, Laxmi India Finance Ltd's stock price is rising to Rs 81.30 after a six-day decline, but it remains below its moving averages and near its 52-week low, indicating ongoing challenges despite the short-term increase. Investor participation has also decreased, with delivery volume down by 12.22% compared to the five-day average.

As of 17-Mar, Laxmi India Finance Ltd's stock price is rising, currently at Rs 81.30, reflecting a change of Rs 1.82 or 2.29%. This increase comes after a trend reversal where the stock has gained after six consecutive days of decline. Additionally, the stock has outperformed its sector by 1.49% today. However, it is important to note that despite this rise, the stock is still trading lower than its moving averages across various time frames, indicating a longer-term downward trend. The stock is also close to its 52-week low, being only 4.06% away from Rs 78. Furthermore, there has been a decline in investor participation, with delivery volume falling by 12.22% against the five-day average. Overall, while the stock is experiencing a short-term rise, the broader context suggests ongoing challenges.

Why is Laxmi India Finance Ltd falling/rising?

As of 18-Mar, Laxmi India Finance Ltd's stock price is currently Rs 83.11, reflecting a 3.01% increase today, although it has seen significant declines of 33.41% year-to-date and 21.27% over the past month. The recent rise is attributed to short-term gains despite reduced investor participation and longer-term negative trends.

As of 18-Mar, Laxmi India Finance Ltd's stock price is rising, currently at Rs 83.11, reflecting a change of 2.43 (3.01%) upwards. The stock has shown a positive performance today, outperforming its sector by 1.66%. Additionally, it has been gaining for the last two days, with a total increase of 4.57% during this period. The stock reached an intraday high of Rs 84.87, marking a rise of 5.19%. <BR><BR>Despite these positive movements, it is important to note that the stock has experienced significant declines over longer periods, with a year-to-date drop of 33.41% and a one-month decline of 21.27%. Furthermore, there has been a decrease in investor participation, as evidenced by a 44.47% drop in delivery volume compared to the five-day average. The stock's liquidity remains adequate for trading, but its moving averages indicate that it is currently higher than the five-day moving average while being lower than the 20-day, 50-day, 100-day, and 200-day moving averages. <BR><BR>Overall, the recent rise in Laxmi India Finance Ltd's stock price can be attributed to short-term gains and positive performance today, despite the backdrop of longer-term declines and reduced investor activity.

Why is Laxmi India Finance Ltd falling/rising?

As of 19-Mar, Laxmi India Finance Ltd's stock price is at Rs 80.96, reflecting a 3.17% decline and part of a broader downtrend, with significant underperformance over various periods. The stock is near its 52-week low and trading below key moving averages, indicating bearish sentiment and waning investor confidence.

As of 19-Mar, Laxmi India Finance Ltd's stock price is falling, currently at Rs 80.96, which reflects a decrease of Rs 2.65 or 3.17%. This decline is part of a broader trend, as the stock has underperformed significantly over various periods, including a 1-week drop of 3.32% compared to a 2.40% decline in the Sensex, and a 1-month decrease of 20.41% against a 10.05% drop in the benchmark index.<BR><BR>The stock is also close to its 52-week low, being only 3.66% away from Rs 78. Additionally, it has experienced a trend reversal after two consecutive days of gains, indicating a shift in market sentiment. The stock reached an intraday low of Rs 80.35, which is a 3.9% decrease from its previous value.<BR><BR>Moreover, Laxmi India Finance Ltd is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, suggesting a bearish trend. The finance sector, in which the company operates, has also seen a decline of 3.85%, further contributing to the negative sentiment surrounding the stock. <BR><BR>Investor participation appears to be waning, as evidenced by a delivery volume of 1.12 lacs on March 18, which is down 8.41% compared to the 5-day average. This decrease in trading activity may indicate a lack of confidence among investors, reinforcing the downward pressure on the stock price.

Why is Laxmi India Finance Ltd falling/rising?

As of 20-Mar, Laxmi India Finance Ltd's stock price is rising to Rs 82.80, driven by positive short-term performance and financial results, despite concerns over long-term fundamentals and declining institutional investor participation.

As of 20-Mar, Laxmi India Finance Ltd's stock price is rising, currently at Rs 82.80, reflecting a change of 2.26 (2.81%) upward. This increase can be attributed to several factors. Firstly, the stock outperformed its sector by 3.38% today and opened with a gain of 2.66%, indicating positive market sentiment. Additionally, the stock reached an intraday high of Rs 83.14, which is a 3.23% increase.<BR><BR>Despite a significant decline in its year-to-date performance of -33.65% and a 1-month drop of -18.08%, the company reported positive financial results for the last six months, with a profit after tax (PAT) of Rs 19.46 crore, showing a growth of 31.40%. Furthermore, the net sales for the quarter were the highest at Rs 78.83 crore, suggesting strong operational performance.<BR><BR>However, it is important to note that there are concerns regarding long-term fundamental strength, as indicated by a weak average return on equity (ROE) of 12.56%. Additionally, there has been a decrease in institutional investor participation, with a reduction of -1.71% in their stake over the previous quarter. This decline in institutional interest may pose a risk to sustained price increases in the future.<BR><BR>Overall, the current rise in Laxmi India Finance Ltd's stock price is primarily driven by positive short-term performance and financial results, despite underlying concerns regarding long-term fundamentals and investor participation.

Why is Laxmi India Finance Ltd falling/rising?

As of 23-Mar, Laxmi India Finance Ltd's stock price is Rs. 82.00, down 0.97%, and has declined 34.29% year-to-date, significantly underperforming the Sensex. Key factors for the decline include a new 52-week low, reduced investor participation, and negative sector performance.

As of 23-Mar, Laxmi India Finance Ltd's stock price is currently at Rs. 82.00, reflecting a decrease of Rs. 0.8 or 0.97%. The stock has experienced a significant decline year-to-date, down 34.29%, which is considerably worse than the benchmark Sensex, which has fallen by 14.70% in the same period. <BR><BR>Today, the stock hit a new 52-week low of Rs. 77.49, indicating ongoing downward pressure. Additionally, the finance sector, in which Laxmi India Finance operates, has also seen a decline of 3.81%. Despite outperforming its sector by 2.83% today, the overall trend remains negative, as the stock's performance over the past month shows a drop of 15.83%, compared to a 12.72% decline in the Sensex.<BR><BR>Investor participation appears to be waning, with a delivery volume of 1.02 lacs on March 20, which is down 0.23% compared to the 5-day average. This suggests a decrease in trading interest, which can contribute to the stock's falling price. The stock's moving averages indicate that while it is higher than the 5-day moving average, it remains lower than the 20-day, 50-day, 100-day, and 200-day moving averages, further supporting the bearish trend.<BR><BR>In summary, the combination of hitting a new low, poor year-to-date performance relative to the benchmark, declining investor participation, and negative sector performance are key factors contributing to the falling stock price of Laxmi India Finance Ltd.

Why is Laxmi India Finance Ltd falling/rising?

As of 24-Mar, Laxmi India Finance Ltd's stock price is Rs 80.91, reflecting a decline of 0.82% and underperforming its sector by 3.14%. The stock is trading below all major moving averages and is close to its 52-week low, with a year-to-date drop of 35.17%.

As of 24-Mar, Laxmi India Finance Ltd's stock price is falling, currently at Rs 80.91, which reflects a decrease of Rs 0.67 or 0.82%. The stock has been underperforming, having lost value for the last two consecutive days, resulting in a total decline of 2.28% during this period. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>In the broader market context, while the finance/NBFC sector has gained by 2.45%, Laxmi India Finance Ltd has underperformed its sector by 3.14%. Furthermore, the stock is close to its 52-week low, being only 4.23% above the low of Rs 77.49. Year-to-date, the stock has seen a significant decline of 35.17%, compared to a 13.09% drop in the Sensex, highlighting its relative weakness.<BR><BR>Despite a rise in investor participation, with delivery volume increasing by 55.08% against the 5-day average, the overall performance metrics suggest that the stock is struggling to gain traction in the current market environment.

Why is Laxmi India Finance Ltd falling/rising?

As of 25-Mar, Laxmi India Finance Ltd's stock price is rising to 82.77, showing a 2.64% increase after two days of decline, with significant investor interest reflected in a 106.01% rise in delivery volume. Despite a year-to-date drop of 33.68%, the current upward trend suggests a potential positive shift in the stock's performance.

As of 25-Mar, Laxmi India Finance Ltd's stock price is rising, currently at 82.77, reflecting a change of 2.13 (2.64%) upwards. This increase comes after two consecutive days of decline, indicating a potential trend reversal. Although the stock opened with a loss of 2% today, it managed to reach an intraday high of Rs 85.81, which is a 6.41% increase from its previous close. <BR><BR>The stock's performance today is in line with the finance sector, which has gained by 2.91%. Additionally, there has been a notable rise in investor participation, with delivery volume increasing by 106.01% compared to the 5-day average. This suggests a growing interest in the stock, contributing to its upward movement. <BR><BR>Despite the recent gains, it is important to note that the stock has experienced significant declines over longer periods, with a year-to-date drop of 33.68%. However, the current upward momentum, supported by increased trading activity and sector performance, indicates a positive shift in the stock's trajectory.

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