L&T Finance Ltd.

NSE: LTF · Financial Services

₹277.50-0.39%06 Nov 2026

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Instant answers about L&T Finance Ltd. — computed from its filings, no language model

Market cap₹69,551 cr

Current price₹277.50

High / Low₹336 / ₹238

P/E—

P/B—

Book value—

ROE—

ROCE—

Debt / equity—

Dividend yield0.99%

EPS (TTM)—

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY20	FY21	FY22	FY23	FY24	FY26
Total income	14,548	14,080	12,324	13,302	14,055	17,917
Tax	980	546	374	172	712	1,015
Operating cash flow	—	—	6,078	7,490	673	-14,189
Capex	—	—	78	128	119	239
Dividend paid	—	—	0	124	497	687
Total assets	1,09,545	1,08,972	1,06,902	1,06,362	1,02,718	1,42,205
Equity	14,692	18,773	19,948	—	—	—

Quarterly performance

last 24 quarters · ₹ crore

showing latest 8 of 24 periods

	DEC '18	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	MAR '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	3,516	3,736	3,427	3,398	3,509	3,622	3,587	3,201	3,067	3,491	3,418	3,377	3,482	3,581	3,677	3,785	4,024	4,105	4,260	4,336	4,581	4,771	5,243	5,484
Other income	272	105	72	10	101	119	172	61	120	59	202	153	268	47	6	0	5	8	0	0	3	0	0	0
Tax	195	134	71	-48	81	61	452	61	129	-354	246	183	203	185	141	237	243	198	242	254	254	265	320	346
Revenue YoY	—	6.2%	—	—	—	-3.0%	4.7%	-5.8%	-14.5%	—	11.4%	—	—	2.6%	7.6%	12.1%	15.6%	14.6%	12.6%	7.7%	11.6%	—	23.1%	26.5%

Earlier results (standalone, Sep '11 – Sep '18)

₹ crore · from BSE, before the NSE XBRL filings begin

L&T Finance Ltd. reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†
Total income	172	258	291	349	278	450
Pre-provision op. profit	131	229	255	316	254	432
Operating margin	76.1%	89.1%	87.8%	90.8%	91.4%	96.0%
Other income	29	34	36	79	37	28
Interest	—	66	39	27	46	66
Depreciation	0	0	0	0	0	—
Profit before tax	367	197	252	368	245	395
Tax	56	0	-10	-10	-4	27
Net profit	311	196	262	378	249	368

Quarters

showing latest 8 of 29 periods

	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†
Total income	23	24	65	13	21	11	128	12	169	67	10	9	10	85	187	12	132	191	14	13	14	11	239	16	14	21	400	32	98
Pre-provision op. profit	21	15	51	6	12	1	112	4	158	61	6	-0	3	75	178	8	123	181	4	7	7	5	235	13	7	16	396	26	94
Operating margin	92.0%	61.2%	77.8%	45.6%	58.7%	10.3%	87.6%	37.4%	93.4%	91.8%	57.9%	-5.5%	29.1%	87.9%	95.3%	66.6%	93.6%	95.0%	27.2%	50.3%	50.6%	46.1%	98.2%	85.2%	49.4%	77.9%	99.0%	80.0%	95.8%
Other income	—	—	18	3	4	6	15	13	6	6	9	10	8	7	11	15	19	21	23	10	9	8	9	10	11	5	2	21	2
Interest	5	—	—	—	—	9	19	18	18	17	13	15	9	6	9	6	5	5	11	13	12	10	11	15	13	20	18	36	57
Depreciation	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—	—	—
Profit before tax	16	15	68	9	17	234	108	-1	147	50	1	-6	2	75	181	18	138	197	16	4	4	4	233	8	5	1	380	11	38
Tax	2	7	8	4	5	45	2	0	0	-0	0	-0	0	-0	-10	-4	-5	0	-0	1	-1	-8	4	0	0	-6	32	0	5
Net profit	14	8	60	5	11	189	106	-1	146	50	1	-6	1	76	190	22	143	197	16	3	5	12	229	8	5	7	348	10	34
EPS ₹	0.09	0.04	0.35	0.03	0.06	1.10	0.61	-0.10	0.76	0.17	—	-0.16	-0.16	0.27	0.93	-0.09	0.59	0.90	-0.14	-0.13	-0.12	-0.08	1.03	-0.13	-0.12	-0.11	1.82	0.05	0.17
Revenue YoY	—	—	—	—	-8.1%	-54.4%	95.9%	-7.5%	713.6%	508.9%	-92.2%	-22.7%	-94.2%	27.2%	1787.6%	35.3%	1235.2%	124.5%	-92.6%	7.8%	-89.7%	-94.0%	1625.4%	20.8%	-0.6%	79.5%	67.1%	104.8%	623.8%
Profit YoY	—	—	—	—	-18.8%	2379.9%	76.8%	-124.7%	1214.8%	-73.5%	-99.1%	—	-99.0%	50.7%	19700.0%	—	9502.0%	160.6%	-91.5%	-86.5%	-96.4%	-94.1%	1315.3%	180.8%	-7.5%	-40.2%	52.0%	26.2%	597.5%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 13 periods

	SEP '20	DEC '20	MAR '21	JUN '21	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
Asset turnover	0.13	0.13	0.13	0.13	0.14	0.14	0.14	0.14	0.13	0.14	0.13	0.13	0.13

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 16 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22‡	MAR '23	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	2,718	3,084	2,967	2,969	3,030	1,999	2,005	2,469	2,474	—	—	—	—	—	—	—
Reserves	4,107	4,656	5,324	6,020	10,554	11,450	12,688	16,304	17,474	—	—	—	—	—	—	—
Total equity	6,826	7,740	8,290	8,989	13,584	13,449	14,692	18,773	19,948	—	—	—	—	—	—	—
Deposits	—	—	—	—	—	—	—	—	—	0	0	—	0	0	—	—
Borrowings	35,854	42,091	51,616	59,811	71,577	91,507	93,894	88,556	85,201	44,140	41,981	44,430	51,361	63,029	77,146	86,078
Total assets	44,861	52,742	63,801	72,514	89,231	1,06,055	1,09,545	1,08,972	1,06,902	1,06,362	1,00,997	1,02,718	1,11,815	1,27,232	1,42,205	1,57,796
Advances	196	279	9,716	707	1,031	91,325	91,462	87,030	82,469	—	—	—	—	—	—	—
Investments	2,730	2,649	3,563	6,012	4,843	8,641	5,979	8,872	11,917	14,366	12,878	12,385	12,471	11,389	10,564	8,662
Fixed assets	571	531	666	580	467	68	48	31	24	—	—	—	—	—	—	—
Cash & bank balances	783	862	402	594	1,063	1,874	7,804	8,427	7,970	—	—	—	—	—	—	—

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 7 periods

	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY26
Cash from operations	-11,643	2,162	5,464	6,078	7,490	673	-14,189
Cash from investing	-3,587	160	-2,024	-5,084	-1,107	849	367
Cash from financing	16,008	1,451	-2,091	-3,026	-2,191	-7,037	15,415
Capex	91	80	53	78	128	119	239
Free cash flow	-11,735	2,082	5,412	6,001	7,363	555	-14,429
Dividends paid	270	484	—	0	124	497	687

Where the assets sit

Sep '26 · ₹ crore

Investments

₹8,662 cr5%

Other assets

₹1,49,134 cr95%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
L&T Finance Ltd.	69,551	277.50	—	—	—

StoxGud checklist: Bearish setup · 3/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+6.6%

6 months-8.6%

1 year+3.5%

3Y CAGR+24.9%

5Y CAGR+26.0%

10Y CAGR+10.4%

50-day avg₹280.02

200-day avg₹287.37

RSI (14)66

Compare L&T Finance Ltd. with

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FAQs

What is the share price of L&T Finance Ltd.?

L&T Finance Ltd. (LTF) closed at ₹277.50 on NSE on 06 Nov 2026.

What is the market cap of L&T Finance Ltd.?

₹69,551 crore at the latest close.

How fast is L&T Finance Ltd. growing?

L&T Finance Ltd.: revenue has compounded at 13.3% a year over three years. Latest-quarter revenue is up 26.5% year on year.

How profitable is L&T Finance Ltd.?

Profitability ratios for L&T Finance Ltd. aren't available yet.

How much debt does L&T Finance Ltd. have?

Debt to equity isn't meaningful for L&T Finance Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from L&T Finance Ltd.'s own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from DEC '18, annual from FY20, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.