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LTF Stock Chart & Stats
₹319.50
₹9.85(3.26%)
At close: 4:00 PM EDT
₹319.50
₹9.85(3.26%)
Day’s Range― - ―
52-Week Range₹234.90 - ₹338.50
Previous CloseN/A
Volume5.92M
Average Volume (3M)430.71K
Market Cap
₹651.92B
Enterprise Value₹1.63T
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)20.6
Beta1.78
Next Earnings
Oct 15, 2026EPS Estimate
3.71Next Dividend Ex-DateN/A
Dividend Yield1.06%
Share Statistics
EPS (TTM)12.71
Shares Outstanding2,506,401,900
10 Day Avg. Volume782,652
30 Day Avg. Volume430,708
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
₹340.00Price Target Upside6.42% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)15.73
Revenue Forecast (FY)₹139.02B
Bulls Say, Bears Say
Bulls Say
Improved ProfitabilityProfitability has improved materially, with strong 2026 operating and net margins after the 2023 operating loss. This indicates better pricing, credit performance, or cost control, creating a stronger earnings base that can support growth and reinvestment over the next several quarters.
Steady Revenue GrowthSustained revenue growth shows that LTF continues expanding its lending activity across its target markets. A growing revenue base can improve operating leverage, strengthen customer reach, and provide a durable foundation for future interest income and earnings generation.
Diversified Lending PlatformLTF's presence across consumer, rural, SME, and housing finance reduces reliance on a single lending segment. Combining branch, partnership, and digital distribution also broadens customer access, supporting scalable origination and potentially more resilient long-term growth.
Bears Say
High LeverageThe elevated debt-to-equity profile reduces financial flexibility and makes profitability more sensitive to funding costs. If borrowing becomes more expensive or asset quality weakens, higher leverage could pressure spreads, capital capacity, and the ability to sustain loan growth.
Volatile Cash GenerationLarge year-to-year swings in operating and free cash flow make cash conversion less predictable, even though 2026 was strongly positive. Lower consistency can complicate funding and capital allocation decisions, particularly for an NBFC that must continuously support loan origination.
Earnings-cycle SensitivityThe shift from an operating loss in 2023 to strong margins in 2026 demonstrates that earnings can vary meaningfully across periods. Such volatility suggests results remain sensitive to credit costs, pricing, and operating conditions, which may limit confidence in margin durability.
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 ₹234.90 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 ₹651.92B.
When is L&T Finance Ltd’s upcoming earnings report date?
L&T Finance Ltd’s upcoming earnings report date is Oct 15, 2026 which is in 3 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 ₹3.6 earnings per share for the quarter, beating the consensus estimate of ₹3.45 by ₹0.15.
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 1.06%. 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 3.71.
How many shares outstanding does L&T Finance Ltd have?
L&T Finance Ltd has 2,506,401,900 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 ₹3.6 in its last earnings report, beating expectations of ₹3.45. 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
₹340.00
▲(6.42% Upside)
Technical Analysis
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