Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post

L&T Finance Holdings Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹250.03Overvalued by 20.88%vs CMP ₹316.00

P/E (24.7) × ROE (11.2%) × BV (₹112.00) × DY (0.87%)

₹173.65Overvalued by 45.05%vs CMP ₹316.00
MoS: -82% (Negative)Confidence: 59/100 (Moderate)Models: 1 Fair, 7 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹302.6325%Fair (-4.2%)
Graham NumberEarnings₹168.3718%Over (-46.7%)
Earnings PowerEarnings₹74.5612%Over (-76.4%)
DCFCash Flow₹275.2312%Over (-12.9%)
Net Asset ValueAssets₹111.728%Over (-64.6%)
EV/EBITDAEnterprise₹5.5510%Over (-98.2%)
Earnings YieldEarnings₹112.508%Over (-64.4%)
ROCE CapitalReturns₹111.998%Over (-64.6%)
Consensus (8 models)₹173.65100%Overvalued
Key Drivers: Wide model spread (₹6–₹303) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 21.0%

*Investments are subject to market risks

Analyst Summary

L&T Finance Holdings Ltd operates in the Finance & Investments segment, NSE: LTF | BSE: 533519, current market price is ₹316.00, market cap is 79,153 Cr.. At a glance, stock P/E is 24.7, ROE is 11.2 %, ROCE is 8.40 %, book value is 112, dividend yield is 0.87 %. The latest intrinsic value estimate is ₹173.65, around 45.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹15,924 Cr versus the prior period change of 11.7%, while latest net profit is about ₹2,643 Cr with a prior-period change of 14.1%. The 52-week range shown on this page is 339/215, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisL&T Finance Ltd. is a Public Limited Listed company incorporated on 01/05/2008 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L6712…

This summary is generated from the stock page data available for L&T Finance Holdings Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

61
L&T Finance Holdings Ltd scores 61/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health58/100 · Moderate
ROCE 8.4% AverageROE 11.2% AverageD/E 4.72 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 1.31% (6mo) AccumulatingDII holding up 0.57% MF buyingPromoter holding at 66.0% Stable
Earnings Quality60/100 · Moderate
Working capital: -21 days (improving) Efficient
Quarterly Momentum58/100 · Moderate
Profit (4Q): +10% YoY Positive
Industry Rank55/100 · Moderate
P/E 24.7 vs industry 37.1 Cheaper than peersROCE 8.4% vs industry 9.5% AverageROE 11.2% vs industry 24.0% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: August 25, 2026, 7:13 am

Market Cap 79,153 Cr.
Current Price 316
Intrinsic Value₹173.65
High / Low 339/215
Stock P/E24.7
Book Value 112
Dividend Yield0.87 %
ROCE8.40 %
ROE11.2 %
Face Value 10.0
PEG Ratio1.17

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for L&T Finance Holdings Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
L&T Finance Holdings Ltd 79,153 Cr. 316 339/21524.7 1120.87 %8.40 %11.2 % 10.0
SBI Cards & Payment Services Ltd 61,885 Cr. 650 965/56527.2 1650.38 %10.1 %14.7 % 10.0
Motilal Oswal Financial Services Ltd 59,630 Cr. 990 1,097/61530.1 2140.61 %12.7 %15.5 % 1.00
Manappuram Finance Ltd 34,290 Cr. 365 382/24523.7 1710.55 %8.25 %6.97 % 2.00
IIFL Finance Ltd 29,624 Cr. 696 705/40914.1 3270.57 %10.9 %12.6 % 2.00
Industry Average20,715.38 Cr1,282.3637.083,242.000.41%9.49%24.01%6.58

All Competitor Stocks of L&T Finance Holdings Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue3,4323,2433,2233,2143,5343,6703,7844,0194,0984,0234,2604,3364,578
Interest 1,5011,4451,3641,3251,3531,3351,3511,4761,5691,6001,6361,6341,703
Expenses 1,3561,3091,2701,3311,3751,6191,4821,5751,6761,5811,6401,6621,800
Financing Profit5764895905578067169509688538429841,0401,075
Financing Margin %17%15%18%17%23%20%25%24%21%21%23%24%23%
Other Income -448202153268476058400-25
Depreciation 28293028292828333641415158
Profit before tax 99662714797824694922940824806943989992
Tax % -356%37%26%25%22%20%26%26%24%21%26%26%26%
Net Profit 453417531594639553685697626636701735738
EPS in Rs 1.832.022.142.402.572.232.752.792.512.552.812.942.95
Gross NPA %
Net NPA %

Last Updated: February 5, 2026, 6:10 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 24, 2026, 7:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5,2216,4567,4408,53210,21513,36514,10413,35311,93012,77514,25215,92417,197
Interest 3,0813,5774,1334,6355,4586,8827,5527,2305,7655,8125,3876,0076,573
Expenses 1,2301,6251,9792,7763,3083,3774,1605,4015,2337,9386,1956,3046,683
Financing Profit9101,2541,3281,1201,4493,1052,392722932-9752,6703,6143,941
Financing Margin %17%19%18%13%14%23%17%5%8%-8%19%23%23%
Other Income -51682649-43708365942,79547416-21
Depreciation 8096836752508286103111115139190
Profit before tax 8251,1751,2531,0791,4463,0522,6801,4721,4231,7093,0293,4913,730
Tax % 28%28%32%3%12%27%37%36%26%10%24%24%
Net Profit 5958558571,0481,2782,2321,7009491,0491,5362,3172,6432,810
EPS in Rs 2.824.043.974.835.119.066.903.934.336.559.3210.6011.25
Dividend Payout % 22%16%16%13%16%9%11%0%12%31%27%26%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: July 6, 2026, 4:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 1,7201,7531,7561,9961,9992,0052,4692,4742,4802,4892,4952,504
Reserves 4,6565,4426,1389,41111,45012,68816,30417,47419,04920,95023,06925,479
Borrowing43,45452,82961,02475,24891,50793,93488,59285,23783,10576,60392,372110,298
Other Liabilities 2,9123,7753,5931,1171,0949021,5821,6961,7062,6522,4473,903
Total Liabilities 52,74263,79972,51187,772106,050109,529108,947106,880106,339102,694120,384142,184
Fixed Assets 1,1841,3131,2301,1511,1271,1001,1385095535196411,308
CWIP 174222819396224225364562
Investments 2,6493,5636,0125,3018,6415,9798,87211,91714,36612,38511,87610,564
Other Assets 48,73658,90165,24281,30196,243102,38798,91294,43391,41589,754107,822130,250
Total Assets 52,74263,79972,51187,772106,050109,529108,947106,880106,339102,694120,384142,184

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -6,474-9,213-5,779-15,640-11,6432,1625,4646,0787,490686-16,587-14,189
Cash from Investing Activity + 2-675-2,1181,549-3,587160-2,025-5,087-1,634849472367
Cash from Financing Activity + 6,5529,4267,95214,67816,0081,451-2,091-3,023-1,664-7,05015,41915,415
Net Cash Flow 81-461555877773,7721,349-2,0324,193-5,515-6971,593
Free Cash Flow -6,572-9,292-5,781-15,614-11,7232,1085,4156,0017,394568-16,777-14,427
CFO/OP -125%-158%-91%-217%-109%30%72%96%178%102%-165%-120%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.00-42.00-51.00-59.00-72.00-88.00-89.00-83.00-80.00-76.00-70.00-86.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 211353210063
Inventory Days
Days Payable
Cash Conversion Cycle 211353210063
Working Capital Days -175-129-196-233-914-803-11013322-17-21
ROCE %10%10%10%9%9%10%10%8%7%5%8%9%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters 66.02%65.90%65.86%66.37%66.29%66.25%66.24%66.16%66.10%66.03%65.99%65.96%
FIIs 12.11%10.67%11.04%7.34%6.73%5.30%5.48%6.19%6.40%6.66%7.64%7.71%
DIIs 7.02%9.07%8.69%11.64%12.33%12.17%13.28%14.10%14.33%15.33%14.91%14.90%
Public 14.85%14.36%14.39%14.66%14.66%16.27%15.01%13.55%13.15%11.99%11.48%11.45%
No. of Shareholders 6,95,0236,87,7217,11,5557,39,1807,87,2918,76,8418,46,6827,92,3747,77,4327,75,7287,48,8657,32,902

Shareholding Pattern Chart

No. of Shareholders

L&T Finance Holdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Kotak Midcap Fund 41,833,783 2.03 1197.9139,239,9122025-12-15 01:56:576.61%
Motilal Oswal Midcap Fund 39,998,000 3.33 1145.3437,942,2812026-02-23 00:33:455.42%
Mirae Asset Large & Midcap Fund 21,286,554 1.44 609.5421,797,1362026-01-26 06:02:26-2.34%
Invesco India Midcap Fund 16,854,973 4.8 482.64N/AN/AN/A
Mirae Asset Midcap Fund 14,678,297 2.38 420.3113,908,3852026-02-23 00:33:455.54%
Invesco India Large & Mid Cap Fund 13,404,597 4.28 383.84N/AN/AN/A
DSP Mid Cap Fund 13,113,439 1.97 375.515,565,4712026-02-23 00:33:45-15.75%
Axis Midcap Fund 9,475,873 0.88 271.3411,303,5482026-02-23 00:33:45-16.17%
HDFC Large and Mid Cap Fund 7,477,310 0.76 214.11N/AN/AN/A
Invesco India Smallcap Fund 7,445,366 2.37 213.2N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 10.619.346.564.334.49
Diluted EPS (Rs.) 10.619.306.544.324.47
Cash EPS (Rs.) 11.159.776.644.664.20
Book Value[Excl.RevalReserv]/Share (Rs.) 102.4794.5387.1881.3576.82
Book Value[Incl.RevalReserv]/Share (Rs.) 102.4794.5387.1881.3576.82
Revenue From Operations / Share (Rs.) 63.8354.5651.5248.2255.39
PBDIT / Share (Rs.) 38.5934.2332.4228.6134.65
PBIT / Share (Rs.) 38.0333.7731.9728.2034.30
PBT / Share (Rs.) 13.9912.17-2.244.946.05
Net Profit / Share (Rs.) 10.609.316.204.243.84
NP After MI And SOA / Share (Rs.) 10.609.326.554.333.93
PBDIT Margin (%) 60.4562.7462.9259.3462.55
PBIT Margin (%) 59.5861.8962.0558.4861.92
PBT Margin (%) 21.9222.30-4.3510.2510.93
Net Profit Margin (%) 16.5917.0612.028.796.93
NP After MI And SOA Margin (%) 16.6017.0812.708.977.09
Return on Networth / Equity (%) 10.349.897.545.365.17
Return on Capital Employeed (%) 36.4335.2613.0310.5112.03
Return On Assets (%) 2.192.251.521.000.89
Long Term Debt / Equity (X) 0.000.001.812.302.72
Total Debt / Equity (X) 3.613.273.864.274.72
Asset Turnover Ratio (%) 0.140.120.110.010.00
Current Ratio (X) 1.241.262.252.552.71
Quick Ratio (X) 1.241.262.252.552.71
Dividend Payout Ratio (NP) (%) 23.5421.407.620.000.00
Dividend Payout Ratio (CP) (%) 22.3720.397.130.000.00
Earning Retention Ratio (%) 76.4678.6092.380.000.00
Cash Earning Retention Ratio (%) 77.6379.6192.870.000.00
Interest Coverage Ratio (X) 1.611.581.391.231.19
Interest Coverage Ratio (Post Tax) (X) 1.441.431.341.151.10
Enterprise Value (Cr.) 119702.45111316.9990724.7197339.03103970.93
EV / Net Operating Revenue (X) 7.528.207.108.167.60
EV / EBITDA (X) 12.4313.0611.2913.7512.15
MarketCap / Net Operating Revenue (X) 2.402.901.591.671.73
Retention Ratios (%) 76.4578.5992.370.000.00
Price / BV (X) 1.501.680.940.991.26
Price / Net Operating Revenue (X) 2.402.901.591.671.73
EarningsYield 0.060.050.070.050.04

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

[display_about_company_data title=”About the Company – Qualitative Analysis”]

FAQ

What is the intrinsic value of L&T Finance Holdings Ltd and is it undervalued?

As of 12 September 2026, L&T Finance Holdings Ltd's intrinsic value is ₹173.65, which is 45.05% lower than the current market price of ₹316.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (11.2 %), book value (₹112), dividend yield (0.87 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of L&T Finance Holdings Ltd?

L&T Finance Holdings Ltd is trading at ₹316.00 as of 12 September 2026, with a FY2026-2027 high of ₹339 and low of ₹215. The stock is currently near its 52-week high. Market cap stands at ₹79,153 Cr..

How does L&T Finance Holdings Ltd's P/E ratio compare to its industry?

L&T Finance Holdings Ltd has a P/E ratio of 24.7, which is below the industry average of 37.08. This is broadly in line with or below the industry average.

Is L&T Finance Holdings Ltd financially healthy?

Key indicators for L&T Finance Holdings Ltd: ROCE of 8.40 % is on the lower side compared to the industry average of 9.49%. Dividend yield is 0.87 %.

Is L&T Finance Holdings Ltd profitable and how is the profit trend?

L&T Finance Holdings Ltd reported a net profit of ₹2,643 Cr in Mar 2025 on revenue of ₹15,924 Cr. Compared to ₹1,049 Cr in Mar 2022, the net profit shows an improving trend.

Does L&T Finance Holdings Ltd pay dividends?

L&T Finance Holdings Ltd has a dividend yield of 0.87 % at the current price of ₹316.00. The company pays dividends, though the yield is modest.

Last Updated: August 25, 2026, 7:13 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533519 | NSE: LTF
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in L&T Finance Holdings Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore Industry-wise Stock Analysis Reports