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L&T Finance Ltd

LTF Share Price

204.591.05% (-2.18)
High
Low
Returns
1D
1W
1M
1Y
5Y
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1W
1M
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SIP

With a market cap of ₹51,100 cr, stock is ranked 194

Stock is 2.40x 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

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹51,100 cr, stock is ranked 194

Stock is 2.40x as volatile as Nifty

LTF Performance & Key Metrics

LTF Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
19.331.991.34%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.162.481.01%

LTF Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
87%
Analysts have suggested that investors can buy this stock

from 15 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 

Apr 25, 2025

PDF
View Older Presentations
PE Ratio
34.85
34.85
1Y Return
34.31%
34.31%
Buy Reco %
62.50
62.50
PE Ratio
128.36
128.36
1Y Return
6.39%
6.39%
Buy Reco %
0.00
0.00
PE Ratio
30.24
30.24
1Y Return
9.09%
9.09%
Buy Reco %
61.76
61.76
PE Ratio
13.16
13.16
1Y Return
21.99%
21.99%
Buy Reco %
87.50
87.50
PE Ratio
19.88
19.88
1Y Return
44.15%
44.15%
Buy Reco %
64.71
64.71
Compare with Peers

LTF Sentiment Analysis

LTF Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

LTF Stock Summary · May 2025

Despite facing geopolitical challenges and regulatory pressures, the company demonstrated resilience with a 14% year-over-year increase in consolidated profit after tax, driven by strong growth in personal loans and strategic initiatives like Project Cyclops. The anticipated recovery in rural demand, bolstered by favorable agricultural conditions, is expected to enhance disbursement momentum, particularly in high-yield secured products such as gold loans and Micro LAP. While the microfinance sector grapples with lingering issues, management remains optimistic about achieving normalized credit costs and operational efficiencies in the latter half of FY26. The focus on prime customer acquisition and digital partnerships is set to strengthen the company's competitive positioning, ensuring sustainable growth amidst evolving market dynamics.

LTF Stock Growth Drivers
LTF Stock Growth Drivers
8
  • Strong Financial Performance

    The company reported a consolidated Profit After Tax (PAT) of ₹2,644 crore for the year,

  • Growth in Retail and Urban Finance Segments

    The Retail book reached ₹95,180 crore, reflecting a 19% year-over-year growth. The Urban Finance segment

LTF Stock Challenges
LTF Stock Challenges
6
  • Decline in Wholesale Business

    The company reported a significant reduction in its Wholesale business, with the wholesale book decreasing

  • Challenges in Microfinance Sector

    The microfinance sector is facing a challenging operating environment influenced by state-specific events, such as

LTF Forecast

LTF Forecasts

Price

Revenue

Earnings

LTF

LTF

Income

Balance Sheet

Cash Flow

LTF Income Statement

LTF Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 1.95%, vs industry avg of 16.16%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 9.48% to 5.32%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 9.23%, vs industry avg of 20.03%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue8,572.3110,266.2613,368.8214,476.7514,189.5912,523.5615,567.0714,726.2515,940.9815,940.98
Raw Materialssubtract12,310.82
Power & Fuel Costsubtract
Employee Costsubtract493.52408.70824.731,062.32938.071,094.841,405.931,806.372,216.51
Selling & Administrative Expensessubtract471.70892.471,826.171,047.791,459.982,410.722,254.723,043.111,848.59
Operating & Other expensessubtract6,460.897,467.407,616.329,604.9710,233.897,492.5010,086.336,732.978,245.72
Depreciation/Amortizationsubtract67.3051.9349.6281.5985.66102.64111.24114.77138.90138.90
Interest & Other Itemssubtract
Taxes & Other Itemssubtract36.72191.08825.68979.91501.05352.7585.60708.93847.60847.60
EPS5.526.2210.377.904.204.336.559.3410.6110.60
DPS0.740.930.930.840.000.502.002.502.752.50
Payout ratio0.130.150.090.110.000.120.310.270.260.24

LTF Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual report

PDF

Investor Presentation

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

Annual report

PDF

Investor Presentation

Jul 19PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Oct 20PDF
Jul 19PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 2PDF
Apr 29PDF
Jan 21PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
 

LTF Stock Peers

LTF Past Performance & Peer Comparison

LTF Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

Loading...

StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
L&T Finance Ltd19.331.991.34%
Bajaj Finance Ltd34.855.860.60%
Jio Financial Services Ltd128.361.490.15%
Cholamandalam Investment and Finance Company Ltd30.246.580.13%

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 Holding66.24%7.06%6.22%5.48%15.00%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

LTF Shareholding History

LTF Shareholding History

Dec '23MarJunSepDec '24Mar10.67%11.05%7.33%6.73%5.30%5.48%

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)
0.8343%1.09%0.09%65/113 (+5)
0.7885%2.08%0.88%18/60 (+23)
0.7465%2.36%0.30%45/88 (+2)

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 trend available

Dividends

Corp. Actions

Announcements

Legal Orders

LTF Dividend Trend

No dividend trend available

LTF Upcoming Dividends

LTF Upcoming Dividends

No upcoming dividends are available

LTF Past Dividends

LTF Past Dividends

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

Cash Dividend

Ex DateEx DateMar 26, 2020

Interim
Interim | Div/Share: ₹0.90

Dividend/Share

0.90

Ex DateEx Date

Mar 26, 2020

LTF Stock News & Opinions

LTF Stock News & Opinions

Corporate
L&T Finance to table results

L&T Finance will hold a meeting of the Board of Directors of the Company on 18 July 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
L&T Finance announces cessation of director

L&T Finance announced that Thomas Mathew T. completed his second term of 5 consecutive years as an Independent Director of the Company on 30 June 2025 and accordingly ceased to be a Director of the Company with effect from 01 July 2025. Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
L&T Finance allots 3.30 lakh equity shares under ESOS

L&T Finance has allotted 3,30,048 equity shares under ESOS on 28 June 2025. Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
L&T Finance allots NCDs aggregating Rs 225 cr

L&T Finance has allotted 22,500 Senior, Secured, Rated, Listed, Redeemable, Non-Convertible Debentures having face value of Rs. 1,00,000 each, aggregating to Rs. 225 crore through private placement basis, to the identified investors on 26 June 2025. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
L&T Finance acquires loan business of Paul Merchants Finance

L it's about solidifying our position as a comprehensive financial partner for our customers across the country,' added Roy. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
L&T Finance appoints Chief Executive - Urban Unsecured Assets, Payments & Digital Partnerships

L&T Finance has appointed Manish Gupta as Chief Executive - Urban Unsecured Assets, Payments & Digital Partnerships with effect from 19 May 2025. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
L&T Finance to conduct AGM

L&T Finance announced that the 17th Annual General Meeting(AGM) of the company will be held on 3 June 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Board of L&T Finance recommends final dividend

L&T Finance announced that the Board of Directors of the Company at its meeting held on 25 April 2025, inter alia, have recommended the final dividend of Rs 2.75 per equity Share (i.e. 27.5%) , subject to the approval of the shareholders.Powered by Capital Market - Live

2 months agoCapital Market - Live
Earnings
L&T Finance consolidated net profit rises 14.86% in the March 2025 quarter

Net profit of L&T Finance rose 14.86% to Rs 636.17 crore in the quarter ended March 2025 as against Rs 553.88 crore during the previous quarter ended March 2024. Sales rose 9.61% to Rs 4022.92 crore in the quarter ended March 2025 as against Rs 3670.30 crore during the previous quarter ended March 2024. For the full year,net profit rose 13.95% to Rs 2643.66 crore in the year ended March 2025 as against Rs 2320.10 crore during the previous year ended March 2024. Sales rose 17.29% to Rs 15924.24 crore in the year ended March 2025 as against Rs 13576.51 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales4022.923670.30 10 15924.2413576.51 17 OPM %60.7055.89 -60.3559.27 - PBDT846.50721.68 17 3630.163143.80 15 PBT805.52694.02 16 3491.263029.03 15 NP636.17553.88 15 2643.662320.10 14 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
L&T Finance raises Rs 1000 cr via private placement of NCDs

L&T Finance has allotted 1,00,000 Senior, Secured, Rated, Listed, Redeemable, Non-Convertible Debentures having face value of Rs. 1,00,000 each, aggregating to Rs. 1000 crore through private placement basis, to the identified investors on 15 April 2025. Powered by Capital Market - Live

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of L&T Finance Ltd (LTF) today?

    The share price of LTF as on 11th July 2025 is ₹204.59. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on L&T Finance Ltd (LTF) share?

    The past returns of L&T Finance Ltd (LTF) share are
    • Past 1 week: 1.96%
    • Past 1 month: 6.52%
    • Past 3 months: 31.60%
    • Past 6 months: 56.31%
    • Past 1 year: 14.14%
    • Past 3 years: 180.07%
    • Past 5 years: 222.19%

  3. What are the peers or stocks similar to L&T Finance Ltd (LTF)?
  4. What is the dividend yield % of L&T Finance Ltd (LTF) share?

    The current dividend yield of L&T Finance Ltd (LTF) is 1.34.

  5. What is the market cap of L&T Finance Ltd (LTF) share?

    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 ₹51100.68 Cr as of 11th July 2025.

  6. What is the 52 week high and low of L&T Finance Ltd (LTF) share?

    The 52-week high of L&T Finance Ltd (LTF) is ₹211.20 and the 52-week low is ₹129.20.

  7. What is the PE and PB ratio of L&T Finance Ltd (LTF) stock?

    The P/E (price-to-earnings) ratio of L&T Finance Ltd (LTF) is 19.33. The P/B (price-to-book) ratio is 1.99.

  8. Which sector does L&T Finance Ltd (LTF) belong to?

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

  9. How to buy L&T Finance Ltd (LTF) shares?

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