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L&T Finance Ltd

L&T Finance Ltd

LTF Share Price

NSE
₹244.402.65% (-6.65)
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With a market cap of ₹61,256 cr, stock is ranked 166

Stock is 2.62x 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 ₹61,256 cr, stock is ranked 166

Stock is 2.62x as volatile as Nifty

LTF Performance & Key Metrics

LTF Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.902.191.12%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
15.602.021.30%

LTF Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
85%
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 

Oct 15, 2026

PDF
View Older Presentations
PE Ratio
30.73
30.73
1Y Return
10.76%
10.76%
Buy Reco %
87.50
87.50
PE Ratio
19.32
19.32
1Y Return
11.50%
11.50%
Buy Reco %
91.18
91.18
PE Ratio
89.79
89.79
1Y Return
33.99%
33.99%
Buy Reco %
100.00
100.00
PE Ratio
25.99
25.99
1Y Return
7.35%
7.35%
Buy Reco %
87.50
87.50
PE Ratio
27.84
27.84
1Y Return
2.16%
2.16%
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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Quarterjun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026sep 2026
Total Revenue3,784.614,024.024,105.134,027.224,259.604,335.794,581.494,771.105,243.315,484.23
Operating & Other expensessubtract2,833.903,051.163,245.043,180.723,275.693,295.983,531.623,636.833,944.354,093.65
Depreciation/Amortizationsubtract28.4433.2936.1940.9840.6950.9557.7060.3562.6871.74
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract236.76243.99197.50169.35242.12254.02253.56267.29333.81343.74
EPS2.752.792.512.552.812.942.953.223.603.89

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

Oct 15PDF
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
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 Ltd20.552.191.12%
Bajaj Finance Ltd30.735.000.64%
Shriram Finance Limited19.322.941.05%
Jio Financial Services Limited89.791.050.27%
ScreenerCompare valuation on Screener

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)
0.4921%1.55%-0.21%46/69 (-2)
0.4296%0.94%0.31%67/95 (+12)
0.3871%0.71%-0.09%80/105 (-5)

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 1.12%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹11.24 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 1.12%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹11.24 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 52,876 equity shares to employees

L&T Finance Limited announced that its ESOP Allotment Committee approved the allotment of 52,876 equity shares to option grantees who exercised their options under the L&TFL Employee Stock Option Scheme – 2013, according to a regulatory filing on Friday, October 30, 2026.

2 days agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited allotted Rs 1500 crore in debentures to investors on a private placement

L&T Finance Limited announced the allotment of 1,50,000 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 1500 crore to identified investors on October 21, 2026. The debentures, with an original tenor of 1179 days and a coupon rate of 7.8384% per annum, are proposed to be listed on the Negotiated Trade Reporting Platform of the National Stock Exchange of India Limited and will mature on September 28, 2029.

1 week agoCapital Market - Live
Earnings
Earnings
L&T Finance Ltd consolidated sales up 14.95% on year in Q3FY2026, net profit jumped 20.22%

L&T Finance Ltd share price gained 1.70% to Rs 262.85 after the company's net profit soared by 20.22% to Rs 972.76 crore, while revenue from operations edged up 14.95% to Rs 5484.16 crore in Q3FY26 over Q1FY26. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 19.11 lakh crore, easing 8.07%. It has inched up 0.52% over last one week and declined by 9.06% in last one month while the market capitalization of L&T Finance Ltd has improved by 1.06% and 15.18% in the same period respectively. Profit before tax (PBT) of L&T Finance Ltd stood at Rs 1318.84 crore in Q3 FY26, rallying 39.82% year-on-year, and surging by 22.81% quarter-on-quarter. EBITDA came in at Rs 1390 crore, jumping 41.33% YoY and expanding by 22.60% sequentially. Total expenses advancing by 12.66% to Rs 4165.39 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 737.21 crore, improving by 11.75% YoY. For the TTM ended FY26, revenue from operations grew 12.49% to Rs 17913.67 crore, while net profit expanded by 12.84% to Rs 2982.87 crore, compared to previous TTM. EBITDA witnessed a strong improvement of 366647% to Rs 4229.65 crore, and PBT improved 14.52% to Rs 3998.17 crore compared to previous TTM. L&T Finance Ltd declined by 3.20% in last one year, significantly outperforming the benchmark BSE Sensex which has slipped by 10.04% during the same period.

2 weeks agoCapital Market - Live
Earnings
Earnings
L&T Finance Ltd consolidated sales up 14.95% on year in Q3FY2026, net profit soared by 20.22%

L&T Finance Ltd share price ticked higher by 1.70% to Rs 262.85 after the company's net profit surged by 20.22% to Rs 972.76 crore, while revenue from operations increased 14.95% to Rs 5484.16 crore in Q3FY26 over Q1FY26. The market capitalization of Non Banking Financial Company (NBFC) industry group stocks on BSE stood at Rs 19.11 lakh crore, gaining 8.07%. It has marginally improved by 1.78% over last one week and dropped by 9.06% in last one month while the market capitalization of L&T Finance Ltd has inched up 2.24% and 15.18% in the same period respectively. Profit before tax (PBT) of L&T Finance Ltd stood at Rs 1318.84 crore in Q3 FY26, expanding by 39.82% year-on-year, and rallying 22.81% quarter-on-quarter. EBITDA came in at Rs 1390 crore, surging by 41.33% YoY and jumping 22.60% sequentially. Total expenses increased by 12.66% to Rs 4165.39 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 737.21 crore, registering a growth of 11.75% YoY. For the TTM ended FY26, revenue from operations grew 12.49% to Rs 17913.67 crore, while net profit registered a growth of 12.84% to Rs 2982.87 crore, compared to previous TTM. EBITDA jumped by 366647% to Rs 4229.65 crore, and PBT improved 14.52% to Rs 3998.17 crore compared to previous TTM. L&T Finance Ltd slipped 1.64% in last one year, significantly outperforming the benchmark BSE Sensex which has slipped by 11.27% during the same period.

2 weeks agoCapital Market - Live
Corporate
Corporate
L&T Finance Limited issued Rs 800 crore in debentures to investors on a private placement

L&T Finance Limited has allotted 80,000 subordinated, unsecured, 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 800 crore to identified investors on October 12, 2026. The debentures, listed on the Negotiated Trade Reporting Platform under the New Debt Market of the National Stock Exchange of India Limited, carry a coupon rate of 8.57% per annum, with the first coupon payable on October 12, 2027, and a maturity date of October 10, 2036.

2 weeks agoCapital Market - Live
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 month 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 month 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 month 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 month 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.

1 month agoCapital Market - Live

Frequently asked questions

  1. The share price of LTF as on 30th October 2026 is ₹244.40. 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: 0.12%
    • Past 1 month: -10.15%
    • Past 3 months: -20.20%
    • Past 6 months: -12.63%
    • Past 1 year: -8.77%
    • Past 3 years: 84.52%
    • Past 5 years: 193.05%

  3. The current dividend yield of L&T Finance Ltd (LTF) is 1.12.

  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 ₹61256.46 Cr as of 30th October 2026.

  5. The 52-week high of L&T Finance Ltd (LTF) is ₹338.60 and the 52-week low is ₹229.20.

  6. The P/E (price-to-earnings) ratio of L&T Finance Ltd (LTF) is 20.55. The P/B (price-to-book) ratio is 2.19.

  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.