Share Price and Basic Stock Data
Last Updated: October 8, 2025, 8:28 pm
| PEG Ratio | 1.22 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
L&T Finance Holdings Ltd, a key player in the Finance & Investments sector, has a market capitalization of ₹64,797 Cr. The company reported a Price-to-Earnings (P/E) ratio of 24.4, Return on Equity (ROE) of 10.8%, and Return on Capital Employed (ROCE) of 8.71%. With an Operating Profit Margin (OPM) of 62%, the company’s Net Profit stood at ₹2,643 Cr. In terms of market presence, L&T Finance Holdings boasts 7,92,374 shareholders. Analyzing the quarterly and annual sales trends, the company has shown consistent growth in revenue, with a focus on controlling expenses to maintain healthy operating profit patterns.
Profitability and Efficiency Metrics
Examining the efficiency metrics, L&T Finance Holdings has demonstrated a strong OPM of 62%, indicating efficient cost management. The company’s Net Profit and Earnings Per Share (EPS) have shown steady growth, reflecting operational effectiveness. ROE and ROCE figures indicate healthy returns on equity and capital employed. However, the Interest Coverage Ratio (ICR) of 1.61x suggests a moderate ability to cover interest payments. The Cash Conversion Cycle (CCC) of 3 days highlights efficient working capital management, contributing to overall profitability.
Balance Sheet Strength and Financial Ratios
L&T Finance Holdings exhibits a robust balance sheet with reserves amounting to ₹23,069 Cr and borrowings of ₹92,372 Cr. The Price-to-Book Value (P/BV) ratio stands at 1.50x, indicating a reasonable valuation. The Interest Coverage Ratio (ICR) of 1.61x suggests adequate earnings to cover interest obligations. The company’s Current and Quick Ratios reflect a healthy liquidity position, while the Debt-Equity ratio signifies a balanced leverage profile. Overall, the balance sheet portrays a sound financial position with manageable debt levels.
Shareholding Pattern and Investor Confidence
Analyzing the shareholding pattern, promoters hold a significant stake of 66.16%, signaling confidence in the company’s performance. Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) hold stakes of 6.19% and 14.10%, respectively, showcasing institutional interest. Public shareholding stands at 13.55%. Changes in promoter and institutional holdings can influence market perception and valuation. A stable and diversified shareholding pattern generally indicates investor confidence and can impact stock performance positively.
Outlook, Risks, and Final Insight
Looking ahead, L&T Finance Holdings is poised for growth driven by expanding market opportunities and a strong financial foundation. Key growth drivers include strategic expansions, innovative product offerings, and prudent risk management practices. However, risks such as economic downturns, regulatory changes, and intense market competition could pose challenges. Monitoring these factors closely will be crucial for sustaining performance. In conclusion, while L&T Finance Holdings exhibits strength in profitability, efficiency, and balance sheet metrics, staying attuned to market dynamics and maintaining a competitive edge will be essential for long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of L&T Finance Holdings Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 537 Cr. | 1,396 | 2,400/1,151 | 63.4 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 84.0 Cr. | 50.0 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 44.2 Cr. | 82.0 | 173/68.6 | 184 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 67.7 Cr. | 52.0 | 76.2/36.0 | 32.2 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.7 Cr. | 34.3 | 165/30.0 | 45.4 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,429.28 Cr | 1,692.40 | 41.91 | 3,643.49 | 0.39% | 10.39% | 11.26% | 7.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,988 | 3,138 | 3,432 | 3,243 | 3,223 | 3,214 | 3,534 | 3,670 | 3,784 | 4,019 | 4,098 | 4,023 | 4,260 |
| Expenses | 1,388 | 1,236 | 1,356 | 1,309 | 1,270 | 1,331 | 1,375 | 1,619 | 1,482 | 1,575 | 1,676 | 1,581 | 1,640 |
| Operating Profit | 1,600 | 1,902 | 2,076 | 1,934 | 1,953 | 1,882 | 2,159 | 2,051 | 2,302 | 2,444 | 2,422 | 2,442 | 2,620 |
| OPM % | 54% | 61% | 60% | 60% | 61% | 59% | 61% | 56% | 61% | 61% | 59% | 61% | 62% |
| Other Income | 187 | 165 | -448 | 202 | 153 | 268 | 47 | 6 | 0 | 5 | 8 | 4 | 0 |
| Interest | 1,413 | 1,438 | 1,501 | 1,445 | 1,364 | 1,325 | 1,353 | 1,335 | 1,351 | 1,476 | 1,569 | 1,600 | 1,636 |
| Depreciation | 27 | 27 | 28 | 29 | 30 | 28 | 29 | 28 | 28 | 33 | 36 | 41 | 41 |
| Profit before tax | 346 | 601 | 99 | 662 | 714 | 797 | 824 | 694 | 922 | 940 | 824 | 806 | 943 |
| Tax % | 25% | 32% | -356% | 37% | 26% | 25% | 22% | 20% | 26% | 26% | 24% | 21% | 26% |
| Net Profit | 261 | 406 | 453 | 417 | 531 | 594 | 639 | 553 | 685 | 697 | 626 | 636 | 701 |
| EPS in Rs | 1.06 | 1.64 | 1.83 | 2.02 | 2.14 | 2.40 | 2.57 | 2.23 | 2.75 | 2.79 | 2.51 | 2.55 | 2.81 |
Last Updated: August 13, 2025, 3:47 pm
Below is a detailed analysis of the quarterly data for L&T Finance Holdings Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 4,260.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,023.00 Cr. (Mar 2025) to 4,260.00 Cr., marking an increase of 237.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,640.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,581.00 Cr. (Mar 2025) to 1,640.00 Cr., marking an increase of 59.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 2,620.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,442.00 Cr. (Mar 2025) to 2,620.00 Cr., marking an increase of 178.00 Cr..
- For OPM %, as of Jun 2025, the value is 62.00%. The value appears strong and on an upward trend. It has increased from 61.00% (Mar 2025) to 62.00%, marking an increase of 1.00%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 4.00 Cr..
- For Interest, as of Jun 2025, the value is 1,636.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,600.00 Cr. (Mar 2025) to 1,636.00 Cr., marking an increase of 36.00 Cr..
- For Depreciation, as of Jun 2025, the value is 41.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 41.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 943.00 Cr.. The value appears strong and on an upward trend. It has increased from 806.00 Cr. (Mar 2025) to 943.00 Cr., marking an increase of 137.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 21.00% (Mar 2025) to 26.00%, marking an increase of 5.00%.
- For Net Profit, as of Jun 2025, the value is 701.00 Cr.. The value appears strong and on an upward trend. It has increased from 636.00 Cr. (Mar 2025) to 701.00 Cr., marking an increase of 65.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 2.81. The value appears strong and on an upward trend. It has increased from 2.55 (Mar 2025) to 2.81, marking an increase of 0.26.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 13, 2025, 3:47 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,221 | 6,456 | 7,440 | 8,532 | 10,215 | 13,365 | 14,104 | 13,353 | 11,930 | 12,775 | 14,252 | 15,924 | 16,399 |
| Expenses | 1,230 | 1,625 | 1,979 | 2,776 | 3,308 | 3,377 | 4,160 | 5,401 | 5,233 | 7,938 | 6,195 | 6,304 | 6,472 |
| Operating Profit | 3,991 | 4,831 | 5,461 | 5,756 | 6,907 | 9,988 | 9,944 | 7,952 | 6,697 | 4,837 | 8,057 | 9,621 | 9,928 |
| OPM % | 76% | 75% | 73% | 67% | 68% | 75% | 70% | 60% | 56% | 38% | 57% | 60% | 61% |
| Other Income | -5 | 16 | 8 | 26 | 49 | -4 | 370 | 836 | 594 | 2,795 | 474 | 16 | 17 |
| Interest | 3,081 | 3,577 | 4,133 | 4,635 | 5,458 | 6,882 | 7,552 | 7,230 | 5,765 | 5,812 | 5,387 | 6,007 | 6,281 |
| Depreciation | 80 | 96 | 83 | 67 | 52 | 50 | 82 | 86 | 103 | 111 | 115 | 139 | 151 |
| Profit before tax | 825 | 1,175 | 1,253 | 1,079 | 1,446 | 3,052 | 2,680 | 1,472 | 1,423 | 1,709 | 3,029 | 3,491 | 3,512 |
| Tax % | 28% | 28% | 32% | 3% | 12% | 27% | 37% | 36% | 26% | 10% | 24% | 24% | |
| Net Profit | 595 | 855 | 857 | 1,048 | 1,278 | 2,232 | 1,700 | 949 | 1,049 | 1,536 | 2,317 | 2,643 | 2,659 |
| EPS in Rs | 2.82 | 4.04 | 3.97 | 4.83 | 5.11 | 9.06 | 6.90 | 3.93 | 4.33 | 6.55 | 9.32 | 10.60 | 10.66 |
| Dividend Payout % | 22% | 16% | 16% | 13% | 16% | 9% | 11% | 0% | 12% | 31% | 27% | 26% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 43.70% | 0.23% | 22.29% | 21.95% | 74.65% | -23.84% | -44.18% | 10.54% | 46.43% | 50.85% | 14.07% |
| Change in YoY Net Profit Growth (%) | 0.00% | -43.46% | 22.05% | -0.34% | 52.70% | -98.48% | -20.34% | 54.71% | 35.89% | 4.42% | -36.78% |
L&T Finance Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 2% |
| 3 Years: | 10% |
| TTM: | 15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 9% |
| 3 Years: | 45% |
| TTM: | 7% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 30% |
| 3 Years: | 42% |
| 1 Year: | 34% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 6% |
| 3 Years: | 7% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 9:30 am
Balance Sheet
Last Updated: August 13, 2025, 3:47 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 1,718 | 1,720 | 1,753 | 1,756 | 1,996 | 1,999 | 2,005 | 2,469 | 2,474 | 2,480 | 2,489 | 2,495 |
| Reserves | 4,107 | 4,656 | 5,442 | 6,138 | 9,411 | 11,450 | 12,688 | 16,304 | 17,474 | 19,049 | 20,950 | 23,069 |
| Borrowings | 36,854 | 43,454 | 52,829 | 61,024 | 75,248 | 91,507 | 93,934 | 88,592 | 85,237 | 83,105 | 76,603 | 92,372 |
| Other Liabilities | 2,182 | 2,912 | 3,775 | 3,593 | 1,117 | 1,094 | 902 | 1,582 | 1,696 | 1,706 | 2,652 | 2,447 |
| Total Liabilities | 44,861 | 52,742 | 63,799 | 72,511 | 87,772 | 106,050 | 109,529 | 108,947 | 106,880 | 106,339 | 102,694 | 120,384 |
| Fixed Assets | 1,228 | 1,184 | 1,313 | 1,230 | 1,151 | 1,127 | 1,100 | 1,138 | 509 | 553 | 519 | 641 |
| CWIP | 140 | 174 | 22 | 28 | 19 | 39 | 62 | 24 | 22 | 5 | 36 | 45 |
| Investments | 2,730 | 2,649 | 3,563 | 6,012 | 5,301 | 8,641 | 5,979 | 8,872 | 11,917 | 14,366 | 12,385 | 11,876 |
| Other Assets | 40,763 | 48,736 | 58,901 | 65,242 | 81,301 | 96,243 | 102,387 | 98,912 | 94,433 | 91,415 | 89,754 | 107,822 |
| Total Assets | 44,861 | 52,742 | 63,799 | 72,511 | 87,772 | 106,050 | 109,529 | 108,947 | 106,880 | 106,339 | 102,694 | 120,384 |
Below is a detailed analysis of the balance sheet data for L&T Finance Holdings Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 2,495.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,489.00 Cr. (Mar 2024) to 2,495.00 Cr., marking an increase of 6.00 Cr..
- For Reserves, as of Mar 2025, the value is 23,069.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,950.00 Cr. (Mar 2024) to 23,069.00 Cr., marking an increase of 2,119.00 Cr..
- For Borrowings, as of Mar 2025, the value is 92,372.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 76,603.00 Cr. (Mar 2024) to 92,372.00 Cr., marking an increase of 15,769.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 2,447.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,652.00 Cr. (Mar 2024) to 2,447.00 Cr., marking a decrease of 205.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 120,384.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 102,694.00 Cr. (Mar 2024) to 120,384.00 Cr., marking an increase of 17,690.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 641.00 Cr.. The value appears strong and on an upward trend. It has increased from 519.00 Cr. (Mar 2024) to 641.00 Cr., marking an increase of 122.00 Cr..
- For CWIP, as of Mar 2025, the value is 45.00 Cr.. The value appears strong and on an upward trend. It has increased from 36.00 Cr. (Mar 2024) to 45.00 Cr., marking an increase of 9.00 Cr..
- For Investments, as of Mar 2025, the value is 11,876.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12,385.00 Cr. (Mar 2024) to 11,876.00 Cr., marking a decrease of 509.00 Cr..
- For Other Assets, as of Mar 2025, the value is 107,822.00 Cr.. The value appears strong and on an upward trend. It has increased from 89,754.00 Cr. (Mar 2024) to 107,822.00 Cr., marking an increase of 18,068.00 Cr..
- For Total Assets, as of Mar 2025, the value is 120,384.00 Cr.. The value appears strong and on an upward trend. It has increased from 102,694.00 Cr. (Mar 2024) to 120,384.00 Cr., marking an increase of 17,690.00 Cr..
However, the Borrowings (92,372.00 Cr.) are higher than the Reserves (23,069.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -33.00 | -39.00 | -47.00 | -56.00 | -69.00 | -82.00 | -84.00 | -81.00 | -79.00 | -79.00 | -68.00 | -83.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 2 | 1 | 1 | 3 | 5 | 3 | 2 | 1 | 0 | 0 | 6 | 3 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 2 | 1 | 1 | 3 | 5 | 3 | 2 | 1 | 0 | 0 | 6 | 3 |
| Working Capital Days | -175 | -129 | -196 | -233 | -914 | -803 | -110 | 13 | 32 | 2 | -17 | -21 |
| ROCE % | 10% | 10% | 10% | 9% | 9% | 10% | 10% | 8% | 7% | 5% | 8% | 9% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Mirae Asset Large & Midcap Fund | 29,704,016 | 1.49 | 611.93 | N/A | N/A | N/A |
| Mirae Asset Midcap Fund | 22,508,003 | 2.7 | 463.69 | N/A | N/A | N/A |
| Mirae Asset Large Cap Fund | 12,782,227 | 0.65 | 263.33 | N/A | N/A | N/A |
| Mirae Asset ELSS Tax Saver Fund | 11,304,477 | 0.88 | 232.88 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund - Regular Plan | 7,477,310 | 0.57 | 154.04 | N/A | N/A | N/A |
| Axis Small Cap Fund | 5,735,710 | 0.45 | 118.16 | N/A | N/A | N/A |
| Axis Flexi Cap Fund | 5,258,018 | 0.81 | 108.32 | N/A | N/A | N/A |
| HDFC Multi Cap Fund | 5,119,463 | 0.57 | 105.47 | N/A | N/A | N/A |
| Mirae Asset Aggressive Hybrid Fund | 3,078,293 | 0.68 | 63.42 | N/A | N/A | N/A |
| Mirae Asset Banking and Financial Services Fund | 1,720,236 | 1.7 | 35.44 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 10.61 | 9.34 | 6.56 | 4.33 | 4.49 |
| Diluted EPS (Rs.) | 10.61 | 9.30 | 6.54 | 4.32 | 4.47 |
| Cash EPS (Rs.) | 11.15 | 9.77 | 6.64 | 4.66 | 4.20 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 102.47 | 94.53 | 87.18 | 81.35 | 76.82 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 102.47 | 94.53 | 87.18 | 81.35 | 76.82 |
| Revenue From Operations / Share (Rs.) | 63.83 | 54.56 | 51.52 | 48.22 | 55.39 |
| PBDIT / Share (Rs.) | 38.59 | 34.23 | 32.42 | 28.61 | 34.65 |
| PBIT / Share (Rs.) | 38.03 | 33.77 | 31.97 | 28.20 | 34.30 |
| PBT / Share (Rs.) | 13.99 | 12.17 | -2.24 | 4.94 | 6.05 |
| Net Profit / Share (Rs.) | 10.60 | 9.31 | 6.20 | 4.24 | 3.84 |
| NP After MI And SOA / Share (Rs.) | 10.60 | 9.32 | 6.55 | 4.33 | 3.93 |
| PBDIT Margin (%) | 60.45 | 62.74 | 62.92 | 59.34 | 62.55 |
| PBIT Margin (%) | 59.58 | 61.89 | 62.05 | 58.48 | 61.92 |
| PBT Margin (%) | 21.92 | 22.30 | -4.35 | 10.25 | 10.93 |
| Net Profit Margin (%) | 16.59 | 17.06 | 12.02 | 8.79 | 6.93 |
| NP After MI And SOA Margin (%) | 16.60 | 17.08 | 12.70 | 8.97 | 7.09 |
| Return on Networth / Equity (%) | 10.34 | 9.89 | 7.54 | 5.36 | 5.17 |
| Return on Capital Employeed (%) | 36.43 | 35.26 | 13.03 | 10.51 | 12.03 |
| Return On Assets (%) | 2.19 | 2.25 | 1.52 | 1.00 | 0.89 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 1.81 | 2.30 | 2.72 |
| Total Debt / Equity (X) | 3.61 | 3.27 | 3.86 | 4.27 | 4.72 |
| Asset Turnover Ratio (%) | 0.14 | 0.12 | 0.11 | 0.01 | 0.00 |
| Current Ratio (X) | 1.24 | 1.26 | 2.25 | 2.55 | 2.71 |
| Quick Ratio (X) | 1.24 | 1.26 | 2.25 | 2.55 | 2.71 |
| Dividend Payout Ratio (NP) (%) | 23.54 | 21.40 | 7.62 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 22.37 | 20.39 | 7.13 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 76.46 | 78.60 | 92.38 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 77.63 | 79.61 | 92.87 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 1.61 | 1.58 | 1.39 | 1.23 | 1.19 |
| Interest Coverage Ratio (Post Tax) (X) | 1.44 | 1.43 | 1.34 | 1.15 | 1.10 |
| Enterprise Value (Cr.) | 119702.45 | 111316.99 | 90724.71 | 97339.03 | 103970.93 |
| EV / Net Operating Revenue (X) | 7.52 | 8.20 | 7.10 | 8.16 | 7.60 |
| EV / EBITDA (X) | 12.43 | 13.06 | 11.29 | 13.75 | 12.15 |
| MarketCap / Net Operating Revenue (X) | 2.40 | 2.90 | 1.59 | 1.67 | 1.73 |
| Retention Ratios (%) | 76.45 | 78.59 | 92.37 | 0.00 | 0.00 |
| Price / BV (X) | 1.50 | 1.68 | 0.94 | 0.99 | 1.26 |
| Price / Net Operating Revenue (X) | 2.40 | 2.90 | 1.59 | 1.67 | 1.73 |
| EarningsYield | 0.06 | 0.05 | 0.07 | 0.05 | 0.04 |
After reviewing the key financial ratios for L&T Finance Holdings Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 10.61. This value is within the healthy range. It has increased from 9.34 (Mar 24) to 10.61, marking an increase of 1.27.
- For Diluted EPS (Rs.), as of Mar 25, the value is 10.61. This value is within the healthy range. It has increased from 9.30 (Mar 24) to 10.61, marking an increase of 1.31.
- For Cash EPS (Rs.), as of Mar 25, the value is 11.15. This value is within the healthy range. It has increased from 9.77 (Mar 24) to 11.15, marking an increase of 1.38.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 102.47. It has increased from 94.53 (Mar 24) to 102.47, marking an increase of 7.94.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 102.47. It has increased from 94.53 (Mar 24) to 102.47, marking an increase of 7.94.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 63.83. It has increased from 54.56 (Mar 24) to 63.83, marking an increase of 9.27.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 38.59. This value is within the healthy range. It has increased from 34.23 (Mar 24) to 38.59, marking an increase of 4.36.
- For PBIT / Share (Rs.), as of Mar 25, the value is 38.03. This value is within the healthy range. It has increased from 33.77 (Mar 24) to 38.03, marking an increase of 4.26.
- For PBT / Share (Rs.), as of Mar 25, the value is 13.99. This value is within the healthy range. It has increased from 12.17 (Mar 24) to 13.99, marking an increase of 1.82.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 10.60. This value is within the healthy range. It has increased from 9.31 (Mar 24) to 10.60, marking an increase of 1.29.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 10.60. This value is within the healthy range. It has increased from 9.32 (Mar 24) to 10.60, marking an increase of 1.28.
- For PBDIT Margin (%), as of Mar 25, the value is 60.45. This value is within the healthy range. It has decreased from 62.74 (Mar 24) to 60.45, marking a decrease of 2.29.
- For PBIT Margin (%), as of Mar 25, the value is 59.58. This value exceeds the healthy maximum of 20. It has decreased from 61.89 (Mar 24) to 59.58, marking a decrease of 2.31.
- For PBT Margin (%), as of Mar 25, the value is 21.92. This value is within the healthy range. It has decreased from 22.30 (Mar 24) to 21.92, marking a decrease of 0.38.
- For Net Profit Margin (%), as of Mar 25, the value is 16.59. This value exceeds the healthy maximum of 10. It has decreased from 17.06 (Mar 24) to 16.59, marking a decrease of 0.47.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 16.60. This value is within the healthy range. It has decreased from 17.08 (Mar 24) to 16.60, marking a decrease of 0.48.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.34. This value is below the healthy minimum of 15. It has increased from 9.89 (Mar 24) to 10.34, marking an increase of 0.45.
- For Return on Capital Employeed (%), as of Mar 25, the value is 36.43. This value is within the healthy range. It has increased from 35.26 (Mar 24) to 36.43, marking an increase of 1.17.
- For Return On Assets (%), as of Mar 25, the value is 2.19. This value is below the healthy minimum of 5. It has decreased from 2.25 (Mar 24) to 2.19, marking a decrease of 0.06.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.61. This value exceeds the healthy maximum of 1. It has increased from 3.27 (Mar 24) to 3.61, marking an increase of 0.34.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. It has increased from 0.12 (Mar 24) to 0.14, marking an increase of 0.02.
- For Current Ratio (X), as of Mar 25, the value is 1.24. This value is below the healthy minimum of 1.5. It has decreased from 1.26 (Mar 24) to 1.24, marking a decrease of 0.02.
- For Quick Ratio (X), as of Mar 25, the value is 1.24. This value is within the healthy range. It has decreased from 1.26 (Mar 24) to 1.24, marking a decrease of 0.02.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 23.54. This value is within the healthy range. It has increased from 21.40 (Mar 24) to 23.54, marking an increase of 2.14.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 22.37. This value is within the healthy range. It has increased from 20.39 (Mar 24) to 22.37, marking an increase of 1.98.
- For Earning Retention Ratio (%), as of Mar 25, the value is 76.46. This value exceeds the healthy maximum of 70. It has decreased from 78.60 (Mar 24) to 76.46, marking a decrease of 2.14.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 77.63. This value exceeds the healthy maximum of 70. It has decreased from 79.61 (Mar 24) to 77.63, marking a decrease of 1.98.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.61. This value is below the healthy minimum of 3. It has increased from 1.58 (Mar 24) to 1.61, marking an increase of 0.03.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.44. This value is below the healthy minimum of 3. It has increased from 1.43 (Mar 24) to 1.44, marking an increase of 0.01.
- For Enterprise Value (Cr.), as of Mar 25, the value is 119,702.45. It has increased from 111,316.99 (Mar 24) to 119,702.45, marking an increase of 8,385.46.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 7.52. This value exceeds the healthy maximum of 3. It has decreased from 8.20 (Mar 24) to 7.52, marking a decrease of 0.68.
- For EV / EBITDA (X), as of Mar 25, the value is 12.43. This value is within the healthy range. It has decreased from 13.06 (Mar 24) to 12.43, marking a decrease of 0.63.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.40. This value is within the healthy range. It has decreased from 2.90 (Mar 24) to 2.40, marking a decrease of 0.50.
- For Retention Ratios (%), as of Mar 25, the value is 76.45. This value exceeds the healthy maximum of 70. It has decreased from 78.59 (Mar 24) to 76.45, marking a decrease of 2.14.
- For Price / BV (X), as of Mar 25, the value is 1.50. This value is within the healthy range. It has decreased from 1.68 (Mar 24) to 1.50, marking a decrease of 0.18.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.40. This value is within the healthy range. It has decreased from 2.90 (Mar 24) to 2.40, marking a decrease of 0.50.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.06, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in L&T Finance Holdings Ltd:
- Net Profit Margin: 16.59%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 36.43% (Industry Average ROCE: 10.39%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 10.34% (Industry Average ROE: 11.26%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.44
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.24
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 24 (Industry average Stock P/E: 41.91)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.61
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.59%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Brindavan, Plot No. 177, CST Road, Kalina, Mumbai Maharashtra 400098 | igrc@ltfs.com http://www.ltfs.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. S N Subrahmanyan | Chairperson & Non Executive Director |
| Mr. Sudipta Roy | Managing Director & CEO |
| Mr. R Shankar Raman | Non Executive Director |
| Dr.(Mrs.) Rajani Gupte | Independent Director |
| Mr. T Thomas Mathew | Independent Director |
| Dr. R Seetharaman | Independent Director |
| Mr. Nishi Vasudeva | Independent Director |
FAQ
What is the intrinsic value of L&T Finance Holdings Ltd?
L&T Finance Holdings Ltd's intrinsic value (as of 09 October 2025) is 213.79 which is 16.49% lower the current market price of 256.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹63,892 Cr. market cap, FY2025-2026 high/low of 265/129, reserves of ₹23,069 Cr, and liabilities of 120,384 Cr.
What is the Market Cap of L&T Finance Holdings Ltd?
The Market Cap of L&T Finance Holdings Ltd is 63,892 Cr..
What is the current Stock Price of L&T Finance Holdings Ltd as on 09 October 2025?
The current stock price of L&T Finance Holdings Ltd as on 09 October 2025 is 256.
What is the High / Low of L&T Finance Holdings Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of L&T Finance Holdings Ltd stocks is 265/129.
What is the Stock P/E of L&T Finance Holdings Ltd?
The Stock P/E of L&T Finance Holdings Ltd is 24.0.
What is the Book Value of L&T Finance Holdings Ltd?
The Book Value of L&T Finance Holdings Ltd is 102.
What is the Dividend Yield of L&T Finance Holdings Ltd?
The Dividend Yield of L&T Finance Holdings Ltd is 1.08 %.
What is the ROCE of L&T Finance Holdings Ltd?
The ROCE of L&T Finance Holdings Ltd is 8.71 %.
What is the ROE of L&T Finance Holdings Ltd?
The ROE of L&T Finance Holdings Ltd is 10.8 %.
What is the Face Value of L&T Finance Holdings Ltd?
The Face Value of L&T Finance Holdings Ltd is 10.0.