L&T Finance Q2FY27: Book up 28% YoY at Rs 1.36L Cr, PAT rises 33%

Management guided margin improvementMulti-year targets disclosedInvestor Communications View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

-3.1%Reaction day

₹262.00

prior close

₹264.00

announcement price

After-mkt

timing

Nifty Midcap 150market-0.1%-3.0% vs market

Investment Company peers, median of 60sector+0.2%-3.3% vs sector

On the reaction day the stock moved 3.0 pts less than Nifty Midcap 150 and 3.3 pts less than its Investment Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-5.4

10m

-6.1

15m

-6.2

30m

-4.6

Sessions after the filingfrom the prior close

StockMarketvs marketSectorvs sector

Reaction day

-3.1-0.1-3.0+0.2-3.3

Next day

-3.4-1.2-2.3-0.6-2.8

-6.3-2.6-3.7-1.9-4.4

-6.8-3.3-3.5-3.0-3.8

-9.4-5.3-4.0-5.1-4.3

-8.0-4.3-3.6-5.0-2.9

-5.7-3.2-2.5-4.2-1.6

15d

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UpDownMarket · Nifty Midcap 150Sector · Investment Company peers, median of 60Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

L&T Finance Q2FY27 results: Loan book up 28% YoY at Rs 1,36,635 Cr, disbursements up 27% at Rs 24,027 Cr. PAT grew 33% to Rs 975 Cr. ROA at 2.60% (up 19bps YoY), ROE at 13.56% (up 223bps YoY). NIMs plus fees at 10.48%. Credit cost fell to 2.46% from 2.98%. Gold finance book jumped 242% YoY. Lowest-ever WACB at 6.95%. Lakshya 2031 goals: 20%+ book growth, ROA 3-3.2%, ROE 16-18%, credit cost under 2%.

Likely market impact

Strong growth and falling credit cost are positives. ROA and ROE still trail Lakshya 2031 targets, watch margin execution.