L&T Finance Ltd Stock Price Today (NSE: LTF)
Fundamental Score
L&T Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
L&T Finance Ltd share price today is ₹297.65, up +0.00% on NSE/BSE as of 17 February 2026. L&T Finance Ltd (LTF) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹77.42K (Cr). The 52-week high for LTF share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 28.69x, LTF is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 10.79% and a debt-to-equity ratio of 3.72.
L&T Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
L&T Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of L&T Finance Share Price: Stability Assessment
The Non-Banking Financial Company (NBFC) sector is currently experiencing a period of heightened scrutiny, driven by evolving regulatory landscapes and increased emphasis on asset quality. This financial analysis focuses on the "L&T Finance share price," currently at ₹285.29998779296875, using key financial metrics and a comparative approach to assess its financial stability. This assessment is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra.
L&T Finance Ltd's Price-to-Earnings (PE) ratio stands at 28.69. This suggests that the market is valuing the company at a premium relative to its earnings, perhaps reflecting expectations of future growth or investor confidence. When contextualizing this within its sector, it's crucial to examine the management quality of L&T Finance compared to its peers. For instance, considering
Apollo Finvest, anecdotal accounts suggest differences in corporate governance and risk management strategies, which could influence investor perception and, consequently, valuations.The Return on Capital Employed (ROCE) for L&T Finance is 8.71%. ROCE provides insight into how effectively the company is utilizing its capital to generate profits. While not alarming, a higher ROCE generally indicates a stronger economic moat. The current level suggests that L&T Finance may face challenges in consistently generating superior returns compared to its cost of capital. This has implications for long-term competitiveness, especially when compared to other NBFCs with higher operational efficiencies. How management decides to boost ROCE will impact the L&T Finance share price long term.
It is important to note that this analysis is based on publicly available information and observable financial data. The PE ratio and ROCE metrics provide a snapshot of the company's current financial standing, but a comprehensive risk assessment requires a deeper dive into factors like asset quality, liability management, and macroeconomic trends. Further investigation into the company's specific loan portfolio composition and provisioning policies would be necessary to form a more complete picture of its financial robustness. The observed data provides a starting point for a deeper evaluation.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
L&T Finance Ltd Fundamental Analysis & Valuation Benchmarking
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.
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.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Suboptimal ROCE (8.71%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
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.
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.
Weak Interest Coverage (1.55x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
L&T Finance Ltd Financial Statements
Comprehensive financial data for L&T Finance Ltd including income statement, balance sheet and cash flow
About LTF (L&T Finance Ltd)
L&T Finance Ltd (LTF) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹77.42K (Cr). L&T Finance Ltd has delivered a Return on Equity (ROE) of 10.79% and a ROCE of 8.71%. The debt-to-equity ratio stands at 3.72, reflecting the company's capital structure. Investors tracking LTF share price can monitor key metrics including P/E ratio, promoter holding of 66.10%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
LTF Share Price: Frequently Asked Questions
What is the current share price of L&T Finance Ltd (LTF)?
As of 17 Feb 2026, 10:14 am IST, L&T Finance Ltd share price is ₹297.65. The LTF stock has a market capitalisation of ₹77.42K (Cr) on NSE/BSE.
Is LTF share price Overvalued or Undervalued?
LTF share price 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 L&T Finance Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of LTF share price?
The 52-week high of LTF share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the L&T Finance Ltd share price?
Key factors influencing LTF share price include 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 in LTF shares.
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 share price P/E of 28.69x and ROE of 10.79% against the industry averages to determine competitive standing.
What is the P/E ratio of LTF and what does it mean?
LTF share price has a P/E ratio of 28.69x compared to the industry average of 22.03x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently L&T Finance Ltd generates profits from shareholders capital.
How is LTF 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.
What is LTF dividend yield and is it a good dividend stock?
LTF offers a dividend yield of 0.89%, meaning you receive ₹0.89 annual dividend for every ₹100 invested in L&T Finance Ltd shares.
How has LTF share price 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% pledged. High promoter holding often indicates strong management confidence in L&T Finance Ltd.
What is LTF market capitalisation category?
LTF has a market capitalisation 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 L&T Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is LTF 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 quarterly performance?
Recent quarterly performance shows L&T Finance Ltd 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 L&T Finance Ltd stock.