L&T Finance Ltd (IN:LTF)
:LTF
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LTF Stock Chart & Stats
₹287.35
₹4.04(2.90%)
At close: 4:00 PM EST
₹287.35
₹4.04(2.90%)
Day’s Range― - ―
52-Week Range₹187.50 - ₹329.40
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹717.95B
Enterprise Value₹1.76T
Total Cash (Recent Filing)₹80.81B
Total Debt (Recent Filing)₹979.70B
Price to Earnings (P/E)24.1
Beta1.76
Next Earnings
Jul 21, 2026EPS Estimate
3.23Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)10.81
Shares Outstanding2,505,506,000
10 Day Avg. Volume316,895
30 Day Avg. Volume257,629
Financial Highlights & Ratios
PEG Ratio1.63
Price to Book (P/B)2.15
Price to Sales (P/S)3.46
P/FCF Ratio5.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹290.00Price Target Upside0.92% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)15.07
Revenue Forecast (FY)₹135.84B
Bulls Say, Bears Say
Bulls Say
Diversified Origination & DistributionA multi-channel distribution model (branches, partners, digital) is a durable competitive strength for an NBFC. It spreads customer acquisition risk, supports diversified loan flow across segments, and enables scalable growth and better customer segmentation over cycles.
Improved Margins And ProfitabilitySustained positive operating and net margins signal better pricing, credit outcomes and cost control. Higher margins provide a buffer against funding cost moves and support reinvestment and provisioning, enhancing longer-term earnings resilience if maintained.
Demonstrated Large Cash Generation In 2026Ability to produce substantial operating and free cash in 2026 shows the business can generate real cash from lending activities. Durable cash conversion when achieved supports debt servicing, securitisation capacity and reinvestment, improving strategic flexibility.
Bears Say
High LeverageA persistently high debt-to-equity ratio materially increases funding and interest-rate sensitivity for an NBFC. Elevated leverage reduces buffer against asset-quality deterioration, constrains flexibility for opportunistic investments, and raises refinancing and liquidity risk over months.
Volatile Cash ConversionLarge swings in operating and free cash impede reliable forecasting of debt service and capital allocation. For a heavily funded lender, inconsistent cash conversion increases reliance on external markets in weak periods and raises the probability of costly funding or asset sales.
Earnings Sensitivity To Credit CycleSignificant prior-year swings and a past operating loss indicate provisioning and credit costs can quickly reverse profits. For a retail-focused NBFC, cyclical asset-quality shifts can compress margins and return metrics, making multi-month earnings visibility limited.
L&T Finance Ltd News
LTF FAQ
What was L&T Finance Ltd’s price range in the past 12 months?
L&T Finance Ltd lowest stock price was ₹187.50 and its highest was ₹329.40 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹717.95B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Jul 21, 2026 which is in 30 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Apr 24, 2026. The company reported ₹3.205 earnings per share for the quarter, beating the consensus estimate of ₹3.19 by ₹0.015.
Is L&T Finance Ltd overvalued?
According to Wall Street analysts L&T Finance Ltd’s price is currently Undervalued.
Does L&T Finance Ltd pay dividends?
L&T Finance Ltd pays a Annually dividend of ₹2.75 which represents an annual dividend yield of 0.91%. See more information on L&T Finance Ltd dividends here
What is L&T Finance Ltd’s EPS estimate?
L&T Finance Ltd’s EPS estimate is 3.23.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,505,506,000 shares outstanding.
What happened to L&T Finance Ltd’s price movement after its last earnings report?
L&T Finance Ltd reported an EPS of ₹3.205 in its last earnings report, beating expectations of ₹3.19. Following the earnings report the stock price went down -0.565%.
Which hedge fund is a major shareholder of L&T Finance Ltd?
Currently, no hedge funds are holding shares in IN:LTF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
L&T Finance Ltd
L&T Finance Limited, an Indian non-banking financial company (NBFC), provides a comprehensive suite of financial products and services throughout the country. Its business operations are strategically divided into four primary segments: Retail Finance, Wholesale Finance, Defocused Business, and an 'Others' category. The Retail Finance division caters to a diverse clientele, offering services such as farmer finance (including equipment and agri-allied financing), rural business finance (like microfinance and broader rural business loans), urban finance (which covers two-wheeler, consumer, retail housing, and loans against property), financing for Small and Medium Enterprises (SMEs), and the acquisition of retail portfolios. The Wholesale Finance segment, on the other hand, specializes in providing funding for real estate and infrastructure projects. Furthermore, the Defocused Business segment deals with structured corporate loans and services related to debt capital markets. The 'Others' segment mainly encompasses asset management services. Originally incorporated in 1994 and headquartered in Mumbai, India, the company was formerly known as L&T Finance Holdings Limited until it adopted its current name, L&T Finance Limited, in March 2024. It operates as a subsidiary of Larsen & Toubro Limited.
LTF Stock 12 Month Forecast
Average Price Target
₹290.00
▲(0.92% Upside)
Technical Analysis
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