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L&T Finance Ltd

L&T Finance Ltd

LTF Share Price

NSE
₹261.201.48% (+3.80)
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1D
1W
1M
1Y
5Y
Max
SIP

With a market cap of ₹65,467 cr, stock is ranked 160

Stock is 2.64x as volatile as Nifty

LTF Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹65,467 cr, stock is ranked 160

Stock is 2.64x as volatile as Nifty

LTF Performance & Key Metrics

LTF Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
20.572.341.05%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.962.071.27%

LTF Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
80%
Analysts have suggested that investors can buy this stock

from 20 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

LTF Company Profile

L&T Finance Limited is an India-based non-banking financial company offering personal loans, two-wheeler loans, home loans, rural business loans, farm loans, and SME loans.

Investor Presentation

View older View older 

Jul 10, 2026

PDF
View Older Presentations
PE Ratio
31.41
31.41
1Y Return
6.26%
6.26%
Buy Reco %
84.38
84.38
PE Ratio
22.08
22.08
1Y Return
40.56%
40.56%
Buy Reco %
93.75
93.75
PE Ratio
90.79
90.79
1Y Return
30.17%
30.17%
Buy Reco %
100.00
100.00
PE Ratio
25.92
25.92
1Y Return
2.08%
2.08%
Buy Reco %
84.38
84.38
PE Ratio
27.73
27.73
1Y Return
3.57%
3.57%
Buy Reco %
92.86
92.86
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LTF Sentiment Analysis

LTF Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

LTF Stock Summary · May 2026

Management presented the quarter as a strong operating performance, with Q4 consolidated PAT of ₹807 crore (up 27% YoY) and record retail disbursements of ₹24,107 crore driving 25% year‑on‑year loan book growth. They stressed a constructive, execution‑focused tone, prioritizing Lakshya 2031 targets, accelerated AI underwriting and portfolio analytics (Cyclops and Nostradamus), productivity gains and a Board‑approved payments platform to diversify fee income. Management acknowledged tension between robust volume momentum and margin/near‑term cost pressures: combined NIMs+Fees are being maintained in a 10.0%–10.5% corridor even as branch and gold‑loan expansion will increase operating costs and constrained SR/wholesale capital is dragging reported RoA. An annual ECL recalibration released ₹301 crore of management overlays into Stage‑1 provisioning and was reported to have no P&L impact, with an ongoing Stage‑1 provision assumption of 0.80% for new originations. Near term, they guided FY27 AUM growth >20%, credit costs narrowing to 2.0%–2.2% by exit Q4 FY27 and targeting at least 2.8% RoA by that same exit.

LTF Stock Growth Drivers
LTF Stock Growth Drivers
8
  • Robust FY26 Financial and Operating Results

    The company delivered materially stronger financial outcomes in FY26, reporting the highest-ever annual profit after

  • Strong Retail Origination Momentum and Higher-Yielding Mix

    Retail origination momentum was broad-based and accelerated across higher-yielding product lines, supporting margin uplift. Personal

LTF Stock Challenges
LTF Stock Challenges
7
  • Macroeconomic and Geopolitical External Risks

    Management flagged persistent external headwinds — notably continuing West Asia geopolitical tensions and the risk

  • Profitability Shortfall and Delayed RoA Recovery

    The firm missed its Lakshya RoA objective during FY26, with RoA at 2.4% in Q4FY26

LTF Forecast

LTF Forecasts

Price

Revenue

Earnings

LTF

LTF

Income

Balance Sheet

Cash Flow

LTF Income Statement

LTF Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue3,675.853,784.614,024.024,105.134,027.224,259.604,335.794,581.494,771.105,243.31
Operating & Other expensessubtract2,954.172,833.903,051.163,245.043,180.723,275.693,295.983,531.623,636.833,944.35
Depreciation/Amortizationsubtract27.6628.4433.2936.1940.9840.6950.9557.7060.3562.68
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract140.14236.76243.99197.50169.35242.12254.02253.56267.29333.81
EPS2.232.752.792.512.552.812.942.953.223.60

LTF Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 10PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

Apr 24PDF
Jan 16PDF
Nov 6PDF
+2 more
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 25PDF
Jan 20PDF
Nov 25PDF
Oct 18PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
 

LTF Stock Peers

LTF Past Performance & Peer Comparison

LTF Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
L&T Finance Ltd21.962.341.05%
Bajaj Finance Ltd31.415.110.62%
Shriram Finance Limited22.083.360.92%
Jio Financial Services Limited90.791.060.27%

LTF Stock Price Comparison

Compare LTF with any stock or ETF
Compare LTF with any stock or ETF
LTF
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LTF Holdings

LTF Shareholdings

LTF Promoter Holdings Trend

LTF Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

LTF Institutional Holdings Trend

LTF Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

LTF Shareholding Pattern

LTF Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding65.93%12.65%3.14%7.38%10.89%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

LTF Shareholding History

LTF Shareholding History

JunSepDec '25MarJunSep6.19%6.41%6.66%7.63%7.71%7.38%

Mutual Funds Invested in LTF

Mutual Funds Invested in LTF

No mutual funds holding trends are available

Top 5 Mutual Funds holding L&T Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
3.1092%2.86%0.08%40/74 (+1)
1.4722%2.40%-0.37%17/33 (+1)
0.9636%3.97%0.16%9/47 (+1)

Compare 3-month MF holding change on Screener

LTF Insider Trades & Bulk Stock Deals

LTF Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing LTF stock

smallcases containing LTF stock

Looks like this stock is not in any smallcase yet.

LTF Events

LTF Events

LTF Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

LTF has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.05%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹10.52 every year

Dividends

Corp. Actions

Announcements

Legal Orders

LTF Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

LTF has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 1.05%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹10.52 every year

LTF Upcoming Dividends

LTF Upcoming Dividends

No upcoming dividends are available

LTF Past Dividends

LTF Past Dividends

Cash Dividend

Ex DateEx DateMay 22, 2026

Final
Final | Div/Share: ₹2.75

Dividend/Share

₹2.75

Ex DateEx Date

May 22, 2026

Cash Dividend

Ex DateEx DateMay 27, 2025

Final
Final | Div/Share: ₹2.75

Dividend/Share

₹2.75

Ex DateEx Date

May 27, 2025

Cash Dividend

Ex DateEx DateJun 18, 2024

Final
Final | Div/Share: ₹2.50

Dividend/Share

₹2.50

Ex DateEx Date

Jun 18, 2024

Cash Dividend

Ex DateEx DateJul 21, 2023

Final
Final | Div/Share: ₹2.00

Dividend/Share

₹2.00

Ex DateEx Date

Jul 21, 2023

Cash Dividend

Ex DateEx DateJul 1, 2022

Final
Final | Div/Share: ₹0.50

Dividend/Share

₹0.50

Ex DateEx Date

Jul 1, 2022

LTF Stock News & Opinions

LTF Stock News & Opinions

Corporate
Corporate
L&T Finance Limited’s committee approved allotment of 49,250 equity shares under its 2013 scheme

L&T Finance Limited announced that its ESOP Allotment Committee approved the allotment of 49,250 equity shares to option grantees who exercised their options under the L&TFL Employee Stock Option Scheme – 2013, according to a regulatory filing on October 1, 2026.

1 week agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited to review quarterly, half-year results at board meeting

L&T Finance Limited will hold a board meeting on Thursday, October 15, 2026, to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2026, according to a regulatory filing.

1 week agoCapital Market - Live
Corporate
Corporate
L&T Finance allotted Rs 52,00,00,000 in debentures to investors on a private placement

L&T Finance Limited has allotted 52 subordinated, unsecured, rated, listed, redeemable, non-convertible debentures with a face value of Rs 10,00,000 each on a private placement basis, totaling Rs 52,00,00,000, to identified investors on September 29, 2026, according to a filing with the National Stock Exchange of India Limited and BSE Limited. The debentures, listed on the Negotiated Trade Reporting Platform, have a coupon rate of 8.20% p.a., an original tenor of 3653 days, and a maturity date of July 1, 2036.

1 week agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited will halt securities trading following quarterly results approval

L&T Finance Limited will close its trading window for securities from October 1, 2026, until 48 hours after the unaudited financial results for the quarter ending September 30, 2026, are approved by the board and filed with stock exchanges, according to a regulatory filing.

1 week agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited allotted Rs 650 crore in debentures to investors via private placement

L&T Finance Limited has allotted 65,000 senior, secured, rated, listed, redeemable, non-convertible debentures with a face value of Rs 100,000 each on a private placement basis, for an aggregate nominal value of Rs 650 crore to identified investors, according to a filing with the National Stock Exchange of India Limited and BSE Limited on September 18, 2026. The debentures, which have an original tenor of 1179 days and a coupon rate of 7.8384% per annum, are secured by a charge over fixed deposits and standard receivables and are expected to be listed on the Negotiated Trade Reporting Platform of the National Stock Exchange of India Limited.

3 weeks agoCapital Market - Live
Spotlight
Spotlight
L&T Finance Ltd. secures an ESG rating of 79.15 from Niche Ninety Nine

L&T Finance Ltd announced it has received an Environment Social Governance (“ESG”) rating of 79.15 (rating category – leader) from Niche Ninety Nine Capability and Certifications (OPC) Private Limited (“Niche Ninety Nine”), a SEBI registered ESG Rating Provider under Category II. The rating was sighted on the website of Niche Ninety Nine and the stock exchanges on September 17, 2026, at 6:51 p.m., and there are no enhancements, assignments, or withdrawals related to any instruments; the disclosure pertains solely to this ESG rating.

3 weeks agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited allotted Rs 500 crore in debentures to investors, maturing September 28, 2029

L&T Finance Limited announced the allotment of 50,000 senior, secured, rated, listed, redeemable, non-convertible debentures with a face value of Rs 100,000 each on a private placement basis, for an aggregate nominal value of Rs 500 crore to identified investors on September 2, 2026. The debentures, with an original tenor of 1179 days and a coupon rate of 7.8384% p.a., are scheduled for maturity and redemption on September 28, 2029, and will be listed on the Negotiated Trade Reporting Platform of the National Stock Exchange of India Limited.

1 month agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited’s committee approved allotment of 306,752 equity shares via ESOP scheme

L&T Finance Limited announced that its ESOP Allotment Committee approved the allotment of 3,06,752 equity shares to option grantees under the L&TFL Employee Stock Option Scheme – 2013, according to a regulatory filing on August 28, 2026.

1 month agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited allotted Rs 23.5 billion in debentures to investors on August 20, 2026

L&T Finance Limited announced the allotment of 23,500 senior, secured, rated, listed, redeemable, non-convertible debentures with a face value of Rs 1,00,000 each on a private placement basis, for an aggregate nominal value of Rs 235,00,00,000 to identified investors on August 20, 2026. The debentures, listed on the Negotiated Trade Reporting Platform of the National Stock Exchange of India Limited, have an original tenor of 1893 days and a coupon rate of 7.7942% p.a., with the first coupon payment scheduled for June 27, 2027.

1 month agoCapital Market - Live
Earnings
Earnings
L&T Finance Ltd consolidated sales up 4.21% on year in Q1FY2026, net profit saw a mild growth of 9.64%

L&T Finance Ltd share price ticked higher by 2.69% to Rs 314.7 after the company's net profit saw a marginal increase of 9.64% to Rs 809.16 crore, while revenue from operations slightly gained 4.21% to Rs 4771.03 crore in Q1FY26 over Q4FY25. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 17.07 lakh crore, gaining 7.10%. It has softened by 0.70% over last one week and soared by 15.20% in last one month while the market capitalization of L&T Finance Ltd has inched up 2.78% and 17.88% in the same period respectively. Profit before tax (PBT) of L&T Finance Ltd stood at Rs 1073.92 crore in Q1 FY26, expanding by 33.32% year-on-year, and easing 8.24% quarter-on-quarter. EBITDA came in at Rs 1134 crore, surging by 35.35% YoY and rising 5.80% sequentially. Total expenses grew marginally by 3.83% to Rs 3697.18 crore in Q1FY26 over Q1FY25. During the quarter, employee benefits expense was at Rs 659.72 crore, inching up 1.51% YoY. For the TTM ended FY26, revenue from operations rose 12.49% to Rs 17913.67 crore, while net profit improved by 12.84% to Rs 2982.87 crore, compared to previous TTM. EBITDA soared by 366647% to Rs 4229.65 crore, and PBT expanded by 14.52% to Rs 3998.17 crore compared to previous TTM. L&T Finance Ltd jumped 49.57% in last one year, significantly outperforming the benchmark BSE Sensex which has slipped by 4.36% during the same period.

1 month agoCapital Market - Live

Frequently asked questions

  1. The share price of LTF as on 9th October 2026 is ₹261.20. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of L&T Finance Ltd (LTF) share are
    • Past 1 week: -2.37%
    • Past 1 month: -15.17%
    • Past 3 months: -18.65%
    • Past 6 months: -4.03%
    • Past 1 year: 0.37%
    • Past 3 years: 99.39%
    • Past 5 years: 187.51%

  3. The current dividend yield of L&T Finance Ltd (LTF) is 1.05.

  4. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of L&T Finance Ltd (LTF) is ₹65467.22 Cr as of 9th October 2026.

  5. The 52-week high of L&T Finance Ltd (LTF) is ₹338.60 and the 52-week low is ₹234.90.

  6. The P/E (price-to-earnings) ratio of L&T Finance Ltd (LTF) is 21.96. The P/B (price-to-book) ratio is 2.34.

  7. L&T Finance Ltd (LTF) belongs to the Financials sector & Consumer Finance sub-sector.

  8. You can directly buy L&T Finance Ltd (LTF) shares on Tickertape. Simply sign up, connect your demat account and place your order.