ScoreWhy is L&T Finance Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 4.90% and Operating profit at 4.36%
2
Positive results in Dec 25
- PBDIT(Q) Highest at Rs 2,778.18 cr.
- PAT(Q) Highest at Rs 759.82 cr.
- NET SALES(Q) Highest at Rs 4,578.27 cr
3
With ROE of 10.2, it has a Expensive valuation with a 2.7 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 103.04%, its profits have risen by 10.6% ; the PEG ratio of the company is 2.5
4
High Institutional Holdings at 21.99%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.26% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 103.04% 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
103.21%
3.39
30.41%
Sensex
8.37%
0.76
11.24%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Industry P/E
22
Price to Book Value
2.71
EV to EBIT
15.63
EV to EBITDA
15.35
EV to Capital Employed
1.39
EV to Sales
9.38
PEG Ratio
2.48
Dividend Yield
0.94%
ROCE (Latest)
8.59%
ROE (Latest)
10.24%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PBDIT(Q)
Highest at Rs 2,778.18 cr.
PAT(Q)
Highest at Rs 759.82 cr.
NET SALES(Q)
Highest at Rs 4,578.27 cr
PBT LESS OI(Q)
Highest at Rs 1,017.46 cr.
EPS(Q)
Highest at Rs 2.95
-1What is not working for the Company
DEBT-EQUITY RATIO(HY)
Highest at 3.72 times
Loading Valuation Snapshot...
Here's what is working for L&T Finance Ltd
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,778.18 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 759.82 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Sales - Quarterly
Highest at Rs 4,578.27 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,017.46 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,017.46 cr has Grown at 24.64%
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 759.82 cr has Grown at 21.3%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 2.95
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
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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