L&T Finance Ltd
Fundamental Score
L&T Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of LTF across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (54.46%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Strong Cash Generation (₹1830.43 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (66.10%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Suboptimal ROCE (8.71%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Limited Growth History (2.46% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Elevated Debt Levels (D/E: 3.72)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.55x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for L&T Finance Ltd
About LTF
Business Overview
L&T Finance Limited, a non-banking financial company, provides various financial products and services in India. It offers housing loans; personal loans for medical emergency, home renovation, wedding, vacation, education, and debt consolidation; two-wheeler loans; business loans, such as SME, doctor, chartered accountant, and professional loans, as well as supply chain financing solutions; rural loans comprising vikaas loans, vishwas loans, pragati loans, and micro loans against property; farmer loans, including new tractor loans, agri-implement loans, kisan suvidha top up, kisan suvidha top up plus, refinance loan, and warehouse receipt finance services; and loans against property. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
Company Details
Key Leadership
Corporate Events
Latest News
LTF Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of L&T Finance Ltd (LTF)?
As of 29 Jan 2026, 10:33 am IST, L&T Finance Ltd (LTF) is currently trading at ₹289.15. The stock has a market capitalization of ₹77.42K (Cr).
Is LTF share price Overvalued or Undervalued?
LTF is currently trading at a P/E ratio of 28.69x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the L&T Finance Ltd share price?
Key factors influencing LTF's price include its quarterly earnings growth (Sales Growth: 7.87%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is L&T Finance Ltd a good stock for long-term investment?
L&T Finance Ltd shows a 5-year Profit Growth of 9.23% and an ROE of 10.79%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.72 before investing.
How does L&T Finance Ltd compare with its industry peers?
L&T Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare LTF's P/E of 28.69x and ROE of 10.79% against the industry averages to determine its competitive standing.
What is the P/E ratio of LTF and what does it mean?
LTF has a P/E ratio of 28.69x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹29 for every ₹1 of annual earnings.
How is LTF performing according to Bull Run's analysis?
LTF has a Bull Run fundamental score of 35/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does LTF belong to?
LTF operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting L&T Finance Ltd.
What is Return on Equity (ROE) and why is it important for LTF?
LTF has an ROE of 10.79%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently L&T Finance Ltd generates profits from shareholders' equity.
How is LTF's debt-to-equity ratio and what does it indicate?
LTF has a debt-to-equity ratio of 3.72, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is LTF's dividend yield and is it a good dividend stock?
LTF offers a dividend yield of 0.89%, which means you receive ₹0.89 annual dividend for every ₹100 invested.
How has LTF grown over the past 5 years?
LTF has achieved 5-year growth rates of: Sales Growth 2.46%, Profit Growth 9.23%, and EPS Growth 8.97%.
What is the promoter holding in LTF and why does it matter?
Promoters hold 66.10% of LTF shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is LTF's market capitalization category?
LTF has a market capitalization of ₹77417 crores, placing it in the Large-cap category.
How volatile is LTF stock?
LTF has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for LTF?
LTF has a 52-week high of ₹N/A and low of ₹N/A.
What is LTF's operating profit margin trend?
LTF has a 5-year average Operating Profit Margin (OPM) of 54.46%, indicating the company's operational efficiency.
How is LTF's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 7.87% and YoY Profit Growth of 5.64%.
What is the institutional holding pattern in LTF?
LTF has FII holding of 6.40% and DII holding of 14.33%. Significant institutional holding often suggests professional confidence in the stock.