L&T Finance Limited
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
Nothing crossed the threshold for this company yet — see the data-coverage note below.
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Finance › Non Banking Financial Company (NBFC).
- Market cap
- ₹66,366 cr
- FY2026 total income
- ₹17,917 cr
- FY2026 net profit
- —
- Net worth
- —
- Advances
- —
- EPS (basic)
- —
- Listed
- NSE · BSE
- Reporting
- Banking (Sch. III)Apr–Mar
Peer set used on this page: 3 non banking financial company (nbfc).
Is the business growing?
Total income and profit over the loaded history are shown above.
- Advances growth per year
- —over 7 years
- Advances growth
- —vs last year
- Deposits growth
- —vs last year
- Net profit growth
- —vs last year
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Q1 FY27 net profit was ₹916 cr, up 30.7% from ₹701 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 total income was ₹5,243 cr, up 23.1% from ₹4,260 cr in Q1 FY26 a year earlier.
Rule QTR_REVENUE_GROWTH_YOY
Q1 FY27 EBIT was ₹3,206 cr, up 24.3% from ₹2,579 cr a year earlier.
Rule QTR_OPERATING_PERFORMANCE_CHANGE_YOY
A. Quarterly results
| Quarter | Total income | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q2 FY25 | 4,024 | — | 697 | — |
| Q3 FY25 | 4,105 | +14.6% | 626 | −2.1% |
| Q4 FY25 | 4,027 | +9.5% | 636 | +15.0% |
| Q1 FY26 | 4,260 | +12.6% | 701 | +2.3% |
| Q2 FY26 | 4,336 | +7.7% | 735 | +5.5% |
| Q3 FY26 | 4,581 | +11.6% | 738 | +18.0% |
| Q4 FY26 | 4,771 | +18.5% | 809 | +27.3% |
| Q1 FY27 | 5,243 | +23.1% | 916 | +30.7% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Total income
- ₹18,932 crTTM
- PBT
- ₹4,291 crTTM
- Net profit
- ₹3,198 crTTM
C. Corporate actions
Is it becoming more profitable?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- NIM FY2026
- —
- Cost-to-income
- —
- ROE FY2026
- —
- ROA FY2026
- —
Is financial health improving?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- Gross NPA FY2026
- —
- Net NPA
- —
- Credit cost
- —of advances
- Credit / deposit
- —
How does it compare with peers?
Ranked against 3 non banking financial company (nbfc) (FY2026, consolidated). No peer-relative rule fired for this company.
P/E ratio
LTF · 2nd of 3 · set median 20.8×
- P / E
- 20.8×TTM to Jun 26
- P / B
- —latest book
- P / S
- 3.5×TTM sales
- Earnings yield
- 4.8%TTM to Jun 26
On the trailing twelve months. Last full year: · P/S 3.7×.
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- +2.5%
- 3-year return
- —
- 5-year return
- —
- From 52-wk high
- −21.0%
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹308
- vs 200-day avg
- Below₹293
- RSI (14)
- 28.5oversold
- MACD histogram
- -4.3
- From 52-wk high
- −21.0%
- From 52-wk low
- +10.3%
- 30-day volatility
- 38.2%ann.
- 6-month return
- +10.3%
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
Nothing is flagged for review for this company.
- The price-adjusted series does not correct for a rights issue (ex-date 2021-01-21) — BSE's corporate-actions feed does not carry the subscription price or ratio a rights adjustment needs, unlike splits and bonuses, which are corrected. Returns spanning that date may be modestly overstated or understated.
- Bank-specific metrics (NIM, GNPA/NNPA, CASA, cost-to-income, capital adequacy) are not yet mapped — asset-quality and spread insights are unavailable.
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Total income | 13,302 | 14,548 | 14,080 | 12,324 | 13,302 | 14,055 | 15,941 | 17,917 |
| Interest earned | 11,638 | 13,245 | 13,105 | 11,704 | 12,565 | 12,914 | 14,663 | 16,616 |
| Total debt | 35,785 | 44,523 | 37,583 | 39,324 | 44,140 | 44,430 | 61,559 | 77,146 |
| Deposits | 0 | 0 | 0 | 0 | 0 | — | 0 | — |
| Borrowings | 35,785 | 44,523 | 37,583 | 39,324 | 44,140 | 44,430 | 61,559 | 77,146 |
| Investments | 8,641 | 5,979 | 8,872 | 11,917 | 14,366 | 12,385 | 11,876 | 10,564 |
| Operating cash flow | — | — | 5,464 | 6,078 | 7,490 | 673 | −16,587 | −14,189 |
| Ratio | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Growth | ||||||||
| Advances growth YoY | — | — | — | — | — | — | — | — |
| Deposits growth YoY | — | — | — | — | — | — | — | — |
| Profit growth YoY | — | — | — | — | — | — | — | — |
| Profitability | ||||||||
| Net interest margin % | — | — | — | — | — | — | — | — |
| Cost-to-income % | — | — | — | — | — | — | — | — |
| Return on equity % | — | — | — | — | — | — | — | — |
| Return on assets % | — | — | — | — | — | — | — | — |
| Asset quality | ||||||||
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| Credit cost % | — | — | — | — | — | — | — | — |
| Credit / deposit % | — | — | — | — | — | — | — | — |