ScoreWhy is L&T Finance Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 3.94% and Operating profit at 2.26%
2
Flat results in Sep 25
- OPERATING CF(Y) Lowest at Rs -16,607.68 Cr
- DEBT-EQUITY RATIO(HY) Highest at 3.72 times
3
With ROE of 10.2, it has a Expensive valuation with a 2.8 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 108.75%, its profits have risen by 4.8% ; the PEG ratio of the company is 6.4
4
High Institutional Holdings at 20.73%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 108.75% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to L&T Finance Ltd should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is L&T Finance Ltd for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
L&T Finance Ltd
108.28%
3.46
31.42%
Sensex
4.83%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Industry P/E
23
Price to Book Value
2.84
EV to EBIT
16.50
EV to EBITDA
16.23
EV to Capital Employed
1.42
EV to Sales
9.86
PEG Ratio
6.35
Dividend Yield
0.90%
ROCE (Latest)
8.59%
ROE (Latest)
10.24%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
DPS(Y)
Highest at Rs 2.75
NET SALES(Q)
Highest at Rs 4,335.75 cr
PBDIT(Q)
Highest at Rs 2,674.06 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 61.67%
PBT LESS OI(Q)
Highest at Rs 988.82 cr.
PAT(Q)
Highest at Rs 734.84 cr.
EPS(Q)
Highest at Rs 2.94
-4What is not working for the Company
OPERATING CF(Y)
Lowest at Rs -16,607.68 Cr
DEBT-EQUITY RATIO(HY)
Highest at 3.72 times
Loading Valuation Snapshot...
Here's what is working for L&T Finance Ltd
Dividend per Share (DPS) - Annually
Highest at Rs 2.75 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Net Sales - Quarterly
Highest at Rs 4,335.75 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,674.06 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 61.67%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 988.82 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 734.84 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 2.94
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for L&T Finance Ltd
Operating Cash Flow - Annually
Lowest at Rs -16,607.68 Cr and Fallen
each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (Rs Cr)
Debt-Equity Ratio - Half Yearly
Highest at 3.72 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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