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L&T Finance Ltd

LTF

L&T Finance Ltd

LTF
FinancialsConsumer Finance
MidcapWith a market cap of ₹44,123 cr, stock is ranked 203
Moderate RiskStock is 2.57x as volatile as Nifty
177.010.66% (+1.16)
177.010.66% (+1.16)

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FinancialsConsumer Finance
MidcapWith a market cap of ₹44,123 cr, stock is ranked 203
Moderate RiskStock is 2.57x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
MidcapWith a market cap of ₹44,123 cr, stock is ranked 203
Moderate RiskStock is 2.57x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.831.881.41%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.562.580.76%

Forecast & Ratings

Detailed Forecast 
83%
Analysts have suggested that investors can buy this stock

from 18 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

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.

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

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 1.01%, vs industry avg of 15.21%

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 10.7% to 5.99%

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 0.83%, vs industry avg of 20.98%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue7,470.698,572.3110,266.2613,368.8214,476.7514,189.5912,523.5615,567.0714,055.1214,525.26
Raw Materialssubtract11,173.92
Power & Fuel Costsubtract
Employee Costsubtract487.69493.52408.70824.731,062.32938.071,094.841,405.931,806.37
Selling & Administrative Expensessubtract531.68471.70892.471,826.171,047.791,459.982,410.722,254.722,373.16
Operating & Other expensessubtract5,115.846,460.897,467.407,616.329,604.9710,233.897,492.5010,086.336,731.79
Depreciation/Amortizationsubtract82.8167.3051.9349.6281.5985.66102.64111.24114.77113.62
Interest & Other Itemssubtract
Taxes & Other Itemssubtract395.9836.72191.08825.68979.91501.05352.7585.60708.93763.04
EPS4.595.526.2210.377.904.204.336.559.349.94
DPS0.740.740.930.930.840.000.502.002.504.50
Payout ratio0.160.130.150.090.110.000.120.310.270.45

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2021

Annual report

PDF

Investor Presentation

Apr 29PDF
Jan 15PDF
FY 2022

Annual report

PDF

Investor Presentation

May 2PDF
Apr 29PDF
Jan 21PDF
+2 more
FY 2023

Annual report

PDF

Investor Presentation

Oct 20PDF
Jul 19PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 19PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
L&T Finance Ltd19.021.881.41%
Bajaj Finance Ltd32.666.150.47%
Jio Financial Services Ltd137.361.58
Bajaj Housing Finance Ltd83.5411.82

Price Comparison

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Shareholdings

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

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

Decreased 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 decreased by 3.71%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding66.37%6.93%4.71%7.33%14.65%

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Shareholding History

MarJunSepDec '23MarJun11.35%13.90%12.12%10.67%11.05%7.33%

Mutual Funds Holding Trend

Increased Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has increased by 3.53%

Top 5 Mutual Funds holding L&T Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Mirae Asset Large Cap Fund - Growth - Direct Plan

Growth
0.6440%0.68%0.09%61/80 (0)
DSP Midcap Fund - Growth - Direct Plan

Growth
0.5228%1.14%-0.14%51/67 (-4)
Mirae Asset Large & Midcap Fund - Growth - Direct Plan

Growth
0.5108%0.56%-0.03%87/98 (-11)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

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

Cash Dividend

Ex DateEx DateJul 19, 2019

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Jul 19, 2019

News & Opinions
Corporate
L&T Finance allots NCDs aggregating Rs 1000 cr

L&T Finance has allotted 1,00,000 Partly Paid, Listed, Secured, Rated, Redeemable, Non-Convertible Debentures having face value of Rs. 1,00,000 each, aggregating to Rs. 1000 crore through private placement basis on 13 September 2024. Powered by Capital Market - Live

4 days agoCapital Market - Live
Spotlight
L&T Finance allots NCDs worth Rs 175 crore

The said NCDs have a tenor of 931 days and the redemption date for the same is 25 March 2027. The coupon rate for the aforementioned debt instrument is 7.9918 % p.a. payable annually and on maturity. The debentures have been secured by an exclusive and first ranking charge by way of hypothecation over identified fixed deposits of the company and/or an exclusive and first ranking charge by way of hypothecation on identified standard receivables (hypothecated assets) of the issuer, to the extent that the principal amount of such hypothecated assets (or amount in case of fixed deposits) is equivalent to 1 time of the principal amount and coupon outstanding. In case of default in payment of coupon rate and/or principal redemption on the due dates, additional interest of at 2% per annum over the coupon rate shall be payable by the company for the defaulting period. L&T Finance offers financing for two-wheelers, consumer goods, homes, farm equipment, women entrepreneurs, rural groups, real estate, and infrastructure. It provides financing for small and medium enterprises through term loans and overdraft facilities. The company had reported 29.11% increase in consolidated net profit to Rs 685.51 crore on 12.08% rise in total income to Rs 3,784.61 crore in Q1 FY25 over Q1 FY24. The scrip fell 2.99% to currently trade at Rs 165.40 on the BSE. Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
L&T Finance allots NCDs aggregating Rs 175 cr

L&T Finance has today allotted 17,500 Listed, Secured, Rated, Redeemable, Non-Convertible Debentures having face value of Rs. 1,00,000 each, aggregating to Rs. 175 crore through private placement basis. Powered by Capital Market - Live

1 week agoCapital Market - Live
L&T Finance's Sudipta Roy On Underwriting In The Market | NDTV Profit
1 month agoNDTV Profit
Bankable: After Retail Push, What’s Next For L&T Finance? | NDTV Profit
1 month agoNDTV Profit
Bankable: L&T Finance's Post Retailisation Plans | NDTV Profit
1 month agoNDTV Profit

Buy L&T Finance, target price Rs 230: Motilal Oswal

2 months agoEconomic Times

L&T Finance Q1 Results Review - Strong Quarter; Stable Asset Quality Metrics: ICICI Securities

2 months agoBloomberg Quint

L&T Finance Q1 Results Review - Strategic Shift To Retail Reaping Dividends; Maintaining A Buy: Anand Rathi

2 months agoBloomberg Quint

Good monsoons, stable credit quality to help in improving our performance: Sudipta Roy, L&T Finance

2 months agoEconomic Times