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.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

10.76 lacs (-3.14%) 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.

View full answer

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?

10-Feb-2026

As of 09-Feb, Laxmi India Finance Ltd's stock price is rising to 100.31, reflecting a 10.75% increase due to strong relative performance and a recovery in investor sentiment after previous declines. Increased trading activity and delivery volume further indicate growing investor confidence despite recent overall declines.

View full answer

Which are the latest news on Laxmi India Fin.?

10-Feb-2026

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

Compare Laxmi India Fin. with Similar Stocks

India Finsec The Invest.Trust Niyogin Fintech

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Unrated Stock - No Analysis Available

Mojo Parameters

Loading Valuation Snapshot...

Stock DNA

Industry

Non Banking Financial Company (NBFC)

Market cap

INR 540 Cr (Micro Cap)

P/E

15.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

2.57

Return on Equity

8.27%

Price to Book

1.20

Revenue and Profits:

Net Sales:

76 Cr

(Quarterly Results - Sep 2025)

Net Profit:

9 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0%)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-27.99%

6 Months

-35.54%

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

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...

Read full news article

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...

Read full news article

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....

Read full news article

Announcements

Board Meeting Intimation for A Meeting Of The Business Operation Committee Of The Board Of Directors Of The Company Is Scheduled To Be Held On Thursday February 12 2026

09-Feb-2026 | Source : BSE

Laxmi India Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 12/02/2026 inter alia to consider and approve approve the raising of funds by way of private placement of Listed Rated Senior Secured Transferable Redeemable Non-Convertible Debentures of face value of INR 10000/- (Indian Rupees Ten Thousand Only) each aggregating up to INR 500000000/- (Indian Rupees Fifty Crores Only).

Closure of Trading Window

09-Feb-2026 | Source : BSE

Pursuant to the provisions of The Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations 2015 as amended and Code of Conduct to regulate monitor and report trading by designated persons and immediate relatives of designated persons (the Policy) adopted by the Company for Prevention of Insider Trading the trading window for trading in the securities of the Company by the designated persons and their immediate relatives shall continue to remain closed from February 09 2026 until the expiry of 48 hours after the conclusion of meeting of the Business Operations Committee of the Board of Directors.

Announcement under Regulation 30 (LODR)-Credit Rating

05-Feb-2026 | Source : BSE

We wish to inform you that Acuité Ratings & Research Limited has re-affirmed the credit rating assigned to Non-Convertible Debentures of the company.

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

1.26

EV to EBIT

31.54

EV to EBITDA

30.27

EV to Capital Employed

1.09

EV to Sales

5.78

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 : 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

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Sep'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Sep 2025 is 8.60% vs -6.18% in Jun 2025",
        "dir": 1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "QoQ Growth in quarter ended Sep 2025 is -3.89% vs -32.88% in Jun 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'25",
        "Jun'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "75.67",
          "val2": "69.68",
          "chgp": "8.60%",
          "chgp_class": "positive"
        },
        {
          "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"
        },
        {
          "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"
        }
      ]
    }
  },
  {
    "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
      },
      {
        "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": [
        {
          "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(%)"
      ],
      "body": [
        {
          "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
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "245.71",
          "val2": "173.14",
          "chgp": "41.91%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "46.93",
          "val2": "29.29",
          "chgp": "60.23%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "114.63",
          "val2": "83.42",
          "chgp": "37.41%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "36.00",
          "val2": "22.47",
          "chgp": "60.21%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "19.10%",
          "val2": "16.92%",
          "chgp": "2.18%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

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