WEBSITE BSE:533519 NSE: LTF Inc. Year: 2008 Industry: Finance - NBFC
Last updated: 15:58
L&T Finance Holdings Ltd, a non-banking financial company, provides numerous financial solutions in India. The agency operates through Rural Finance, Housing Finance, Infrastructure Finance, Defocused Business, and Others segments. The Rural Finance section gives farm equipment finance, two wheeler finance, and consumer finance offerings, as well as micro loans. The Housing Finance segment provides domestic loans, loans against belongings, and real estate finance services. The Infrastructure Finance section gives infra finance and infra debt fu...Read More
L&T Finance Holdings Ltd, a non-banking financial company, provides numerous financial solutions in India. The agency operates through Rural Finance, Housing Finance, Infrastructure Finance, Defocused Business, and Others segments. The Rural Finance section gives farm equipment finance, two wheeler finance, and consumer finance offerings, as well as micro loans. The Housing Finance segment provides domestic loans, loans against belongings, and real estate finance services. The Infrastructure Finance section gives infra finance and infra debt funds. The Defocused Business segment presents established company loans, debt capital market, industrial vehicle finance, production equipment finance, SME term loans, and leasing offerings. The Others section gives asset control, wealth control, and so on. The business enterprise operates via 197 branches and 1,395 micro loan assembly facilities. The organisation was previously referred to as L&T Capital Holdings Ltd. L&T Finance Holdings Ltd was incorporated in 2008 and is situated in Mumbai, India. It is a subsidiary of Larsen & Toubro Ltd. ...Read Less
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Market Cap ₹71911 Cr.
Stock P/E 27.2
P/B 2.7
Current Price ₹287.3
Book Value ₹ 108.3
Face Value 10
52W High ₹329.4
Dividend Yield 0.96%
52W Low ₹ 131.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 3214 | 3534 | 3670 | 3784 | 4019 | 4098 | 4023 | 4260 | 4336 | 4578 |
| Other Income | 268 | 47 | 6 | 0 | 5 | 8 | 4 | 0 | 0 | 3 |
| Total Income | 3482 | 3581 | 3676 | 3785 | 4024 | 4105 | 4027 | 4260 | 4336 | 4581 |
| Total Expenditure | 1331 | 1375 | 1619 | 1482 | 1575 | 1676 | 1581 | 1640 | 1662 | 1800 |
| Operating Profit | 2151 | 2207 | 2057 | 2302 | 2449 | 2429 | 2446 | 2620 | 2674 | 2781 |
| Interest Expense | 1325 | 1353 | 1335 | 1351 | 1476 | 1569 | 1600 | 1636 | 1634 | 1703 |
| Depreciation | 28 | 29 | 28 | 28 | 33 | 36 | 41 | 41 | 51 | 58 |
| Profit Before Tax | 797 | 824 | 694 | 922 | 940 | 824 | 806 | 943 | 989 | 992 |
| Provision for Tax | 203 | 185 | 141 | 237 | 243 | 198 | 170 | 242 | 254 | 254 |
| Profit After Tax | 594 | 639 | 553 | 685 | 697 | 626 | 636 | 701 | 735 | 738 |
| Adjustments | 1 | 1 | 1 | 0 | -1 | 1 | 0 | 0 | -0 | 1 |
| Profit After Adjustments | 595 | 640 | 554 | 686 | 696 | 626 | 636 | 701 | 735 | 739 |
| Adjusted Earnings Per Share | 2.4 | 2.6 | 2.2 | 2.8 | 2.8 | 2.5 | 2.5 | 2.8 | 2.9 | 3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6196 | 7289 | 8341 | 10213 | 12990 | 14106 | 13353 | 11930 | 12775 | 13577 | 15924 | 17197 |
| Other Income | 179 | 182 | 242 | 582 | 1841 | 2317 | 2818 | 4341 | 2540 | 2157 | 2253 | 7 |
| Total Income | 6375 | 7471 | 8582 | 10795 | 14830 | 16423 | 16171 | 16271 | 15315 | 15734 | 18177 | 17204 |
| Total Expenditure | 1672 | 2002 | 2801 | 3821 | 4830 | 6088 | 7812 | 9172 | 7250 | 7203 | 8540 | 6683 |
| Operating Profit | 4703 | 5469 | 5782 | 6974 | 10000 | 10335 | 8359 | 7099 | 8064 | 8530 | 9637 | 10521 |
| Interest Expense | 3577 | 4133 | 4635 | 5476 | 6898 | 7573 | 7238 | 5773 | 5822 | 5387 | 6007 | 6573 |
| Depreciation | 96 | 83 | 67 | 52 | 50 | 82 | 86 | 103 | 111 | 115 | 139 | 191 |
| Profit Before Tax | 1175 | 1253 | 1079 | 1446 | 3052 | 2680 | 1261 | 1223 | -557 | 3029 | 3491 | 3730 |
| Provision for Tax | 324 | 399 | 36 | 168 | 820 | 980 | 523 | 374 | 172 | 712 | 848 | 920 |
| Profit After Tax | 851 | 854 | 1042 | 1278 | 2232 | 1700 | 738 | 849 | -729 | 2317 | 2643 | 2810 |
| Adjustments | 4 | 3 | -0 | -23 | -6 | -0 | 233 | 221 | 2352 | 3 | 0 | 1 |
| Profit After Adjustments | 855 | 857 | 1042 | 1255 | 2226 | 1700 | 971 | 1070 | 1623 | 2320 | 2644 | 2811 |
| Adjusted Earnings Per Share | 4 | 3.7 | 5 | 5.8 | 10.4 | 7.9 | 3.9 | 4.3 | 6.5 | 9.3 | 10.6 | 11.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 10% | 2% | 10% |
| Operating Profit CAGR | 13% | 11% | -1% | 7% |
| PAT CAGR | 14% | 46% | 9% | 12% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 106% | 45% | 26% | 18% |
| ROE Average | 11% | 6% | 5% | 10% |
| ROCE Average | 9% | 7% | 7% | 9% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 7740 | 8409 | 9107 | 11407 | 13449 | 14692 | 18773 | 19948 | 21528 | 23438 | 25564 |
| Minority's Interest | 100 | 100 | 119 | 223 | 222 | 220 | 197 | 180 | 89 | 90 | 67 |
| Borrowings | 29401 | 37031 | 43230 | 52287 | 55462 | 58621 | 63593 | 50233 | 40616 | 33029 | 39594 |
| Current Liability | 14630 | 17330 | 19059 | 23842 | 36909 | 35860 | 26383 | 36390 | 44038 | 46042 | 54996 |
| Other Liabilities & Provisions | 581 | 530 | 256 | -1829 | -1765 | -1327 | -1610 | -1378 | -1770 | -1738 | -1594 |
| Total Liabilities | 52452 | 63400 | 71771 | 85931 | 104278 | 108076 | 107336 | 105458 | 104501 | 100861 | 118626 |
| Loans | 34572 | 43881 | 49335 | 77088 | 91325 | 91463 | 87030 | 82469 | 75155 | 81359 | 93773 |
| Investments | 1043 | 1340 | 2176 | 2409 | 3696 | 4198 | 6586 | 6578 | 6825 | 7481 | 6218 |
| Fixed Assets | 1184 | 1313 | 1230 | 756 | 760 | 789 | 811 | 185 | 533 | 519 | 641 |
| Other Loans | 367 | 571 | 597 | 593 | 643 | 901 | 812 | 696 | 677 | 292 | 314 |
| Other Non Current Assets | 471 | 342 | 385 | 231 | 166 | 518 | 101 | 82 | 700 | 695 | 887 |
| Current Assets | 14816 | 15953 | 18048 | 4458 | 7321 | 9801 | 11669 | 14296 | 20591 | 10515 | 16794 |
| Total Assets | 52452 | 63400 | 71771 | 85931 | 104278 | 108076 | 107336 | 105458 | 104501 | 100861 | 118626 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 778 | 859 | 398 | 463 | 1049 | 1827 | 5599 | 6948 | 4916 | 9109 | 3593 |
| Cash Flow from Operating Activities | -6614 | -9213 | -5779 | -15640 | -11643 | 2162 | 5464 | 6078 | 6718 | 686 | -16587 |
| Cash Flow from Investing Activities | 2 | -675 | -2118 | 1549 | -3587 | 160 | -2024 | -5084 | -335 | 849 | 471 |
| Cash Flow from Financing Activities | 6693 | 9426 | 7952 | 14678 | 16008 | 1451 | -2091 | -3023 | -1664 | -7050 | 15419 |
| Net Cash Inflow / Outflow | 81 | -461 | 55 | 587 | 777 | 3772 | 1349 | -2028 | 4720 | -5515 | -697 |
| Closing Cash & Cash Equivalent | 859 | 398 | 453 | 1049 | 1827 | 5599 | 6948 | 4916 | 9109 | 3593 | 2896 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.03 | 3.66 | 4.96 | 5.85 | 10.36 | 7.89 | 3.93 | 4.33 | 6.55 | 9.32 | 10.6 |
| CEPS(Rs) | 4.76 | 4.97 | 5.88 | 6.2 | 10.62 | 8.27 | 3.34 | 3.85 | -2.49 | 9.77 | 11.15 |
| DPS(Rs) | 0.69 | 0.74 | 0.74 | 0.93 | 0.93 | 0.83 | 0 | 0.5 | 2 | 2.5 | 2.75 |
| Book NAV/Share(Rs) | 34.44 | 37.51 | 41.17 | 52.87 | 62.01 | 67.32 | 75.21 | 79.89 | 86.25 | 93.73 | 102.03 |
| Net Profit Margin | 13.73 | 11.71 | 12.5 | 12.51 | 17.18 | 12.05 | 5.53 | 7.12 | -5.71 | 17.07 | 16.6 |
| Operating Margin | 76.68 | 73.9 | 68.51 | 67.78 | 76.6 | 72.69 | 63.65 | 58.65 | 41.22 | 61.99 | 59.64 |
| PBT Margin | 18.96 | 17.19 | 12.94 | 14.16 | 23.5 | 19 | 9.45 | 10.25 | -4.36 | 22.31 | 21.92 |
| ROA(%) | 1.75 | 1.47 | 1.54 | 1.62 | 2.35 | 1.6 | 0.69 | 0.8 | -0.69 | 2.26 | 2.41 |
| ROE(%) | 13.96 | 12.76 | 14.05 | 13.37 | 18.1 | 12.22 | 4.46 | 4.43 | -3.54 | 10.36 | 10.84 |
| ROCE(%) | 10.27 | 9.81 | 8.86 | 8.9 | 10.39 | 9.6 | 7.87 | 6.59 | 5.02 | 8.23 | 8.72 |
| Price/Earnings(x) | 14.51 | 16.17 | 23.17 | 24.98 | 13.69 | 6.06 | 24.35 | 18.62 | 12.53 | 16.97 | 14.46 |
| Price/Book(x) | 1.82 | 1.58 | 2.79 | 2.76 | 2.29 | 0.71 | 1.27 | 1.01 | 0.95 | 1.69 | 1.5 |
| Dividend Yield(%) | 1.27 | 1.26 | 0.65 | 0.64 | 0.66 | 1.75 | 0 | 0.62 | 2.44 | 1.58 | 1.8 |
| EV/Net Sales(x) | 8.62 | 8.72 | 9.84 | 10.33 | 9.25 | 6.83 | 7.77 | 8.14 | 7.09 | 8.21 | 7.54 |
| EV/Core EBITDA(x) | 11.35 | 11.63 | 14.2 | 15.13 | 12.01 | 9.33 | 12.41 | 13.69 | 11.24 | 13.06 | 12.45 |
| Interest Earned Growth(%) | 22.55 | 17.63 | 14.43 | 22.45 | 27.19 | 8.59 | -5.34 | -10.66 | 7.09 | 6.27 | 17.29 |
| Net Profit Growth | 43.02 | 0.35 | 22.11 | 22.55 | 74.72 | -23.82 | -56.58 | 15.04 | -185.83 | 417.9 | 14.08 |
| EPS Growth(%) | 42.77 | -9.12 | 35.47 | 18 | 77.16 | -23.86 | -50.15 | 10.01 | 51.34 | 42.4 | 13.68 |
| Interest Coverage(x) % | 1.33 | 1.3 | 1.23 | 1.26 | 1.44 | 1.35 | 1.17 | 1.21 | 0.9 | 1.56 | 1.58 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 66.02 | 65.9 | 65.86 | 66.37 | 66.29 | 66.25 | 66.24 | 66.16 | 66.1 | 66.03 |
| FII | 12.12 | 10.67 | 11.05 | 7.33 | 6.73 | 5.3 | 5.48 | 6.19 | 6.41 | 6.66 |
| DII | 7.02 | 9.08 | 8.7 | 11.64 | 12.33 | 12.17 | 13.29 | 14.11 | 14.32 | 15.33 |
| Public | 14.85 | 14.36 | 14.4 | 14.65 | 14.65 | 16.27 | 15 | 13.54 | 13.17 | 11.98 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 163.92 | 163.92 | 163.92 | 165.25 | 165.25 | 165.25 | 165.25 | 165.25 | 165.25 | 165.25 |
| FII | 30.09 | 26.53 | 27.49 | 18.26 | 16.77 | 13.23 | 13.66 | 15.46 | 16.01 | 16.66 |
| DII | 17.43 | 22.58 | 21.64 | 28.99 | 30.72 | 30.35 | 33.15 | 35.24 | 35.81 | 38.36 |
| Public | 36.86 | 35.72 | 35.83 | 36.48 | 36.52 | 40.59 | 37.42 | 33.82 | 32.91 | 29.99 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 248.31 | 248.76 | 248.89 | 248.98 | 249.27 | 249.43 | 249.49 | 249.77 | 249.99 | 250.26 |
* The pros and cons are machine generated.
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