Want to see IN:LTF full AI Analyst Report?
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₹194.40 - ₹338.50
Previous CloseN/A
Volume15.16M
Average Volume (3M)257.63K
Market Cap
₹804.44B
Enterprise Value₹1.76T
Total Cash (Recent Filing)₹80.81B
Total Debt (Recent Filing)₹979.70B
Price to Earnings (P/E)26.9
Beta1.82
Next Earnings
Oct 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)10.81
Shares Outstanding2,505,660,200
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
₹320.00Price Target Upside11.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)15.11
Revenue Forecast (FY)₹136.00B
Bulls Say, Bears Say
Bulls Say
Distribution & Origination MixA diversified origination network—branches, dealer/channel partners and growing digital capabilities—supports durable access to retail and SME borrowers. This mix reduces single-channel concentration, aids market penetration across segments and enhances scalability of loan flows and fee income over time.
Revenue & Margin ImprovementSteady revenue growth with materially improved operating and net margins versus prior years indicates better pricing, cost control and credit outcomes. Sustained margins increase internal cash generation capacity and strengthen the company's ability to fund growth and absorb future credit cycles without structural profitability erosion.
Improving Return On EquityRising ROE demonstrates more effective use of capital and improving operational leverage. Over the medium term, higher ROE can support shareholder value creation and justify reinvestment in originations or technology, provided asset quality and capital mix remain controlled.
Bears Say
High LeverageA materially elevated debt-to-equity ratio limits financial flexibility and raises refinancing and liquidity risk if funding costs rise or access tightens. High leverage also amplifies downside from higher credit costs or macro stress, requiring stronger earnings and provisioning discipline to preserve capital.
Volatile Cash GenerationLarge swings in operating and free cash flow reduce predictability of debt servicing and reinvestment capacity. Volatility may reflect securitisation timing, collection variability or working-capital shifts and complicates liquidity management, increasing reliance on external funding during stress periods.
Earnings Sensitivity To Credit CycleHistorical swings—an operating loss in 2023 contrasted with later profits—show earnings are exposed to provisioning and asset-quality swings. For an NBFC focused on retail/SME lending, credit-cycle sensitivity makes future earnings and capital needs less predictable and raises reserve buffer requirements.
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 ₹194.40 and its highest was ₹338.50 in the past 12 months.
What is L&T Finance Ltd’s market cap?
L&T Finance Ltd’s market cap is ₹804.44B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Oct 21, 2026 which is in 102 days.
How were L&T Finance Ltd’s earnings last quarter?
L&T Finance Ltd released its earnings results on Jul 10, 2026. The company reported ₹3.602 earnings per share for the quarter, beating the consensus estimate of ₹3.467 by ₹0.135.
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 for its next earnings report is not yet available.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,505,660,200 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 ₹3.602 in its last earnings report, beating expectations of ₹3.467. Following the earnings report the stock price went up 0.062%.
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
₹320.00
▲(11.36% Upside)
Technical Analysis
Bajaj Finance Limited
―
Cholamandalam Investment and Finance Co. Ltd.
―
Mahindra & Mahindra Financial Services Ltd.
―
Shriram Finance Limited
―
Sundaram Finance Limited
―






