What the business is, and whether it's a good one at a fair price.
Lends to individuals, farmers and small businesses across India, with a consolidated loan book of Rs 1,29,634 Cr as of Q1FY27. Retail loans account for roughly 98% of the book and drive nearly all earnings, while a smaller wholesale book is being run down. The retail franchise spans urban finance — personal loans, two-wheelers, consumer durables and home loans — alongside microfinance, gold loans, farmer finance and small business loans. Q1FY27 retail disbursements were Rs 23,852 Cr, up 36% year-on-year, led by urban finance disbursements of Rs 10,760 Cr (+57%) and personal loans of Rs 4,380 Cr (+126%) sourced through digital partners including CRED, Google Pay, PhonePe and Amazon. The gold loan vertical had reached 343 branches with a Rs 3,800 Cr book as of Q1FY27, with roughly 500 new branches planned for FY27. Main cost drivers are the weighted average cost of borrowing, guided at 7.35-7.40% for FY27, and employee expenses of Rs 2,455 Cr (13.7% of revenue in FY26). Asset quality is improving, with credit cost falling to 2.54% in Q1FY27 from 3.43% a year earlier and gross stage 3 at 2.86%.
Measured from the filed financials, judged against its Investment Company peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
Loading peers…
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
Loading financials…
Who owns it — and is the promoter stake clean?
Loading shareholding…
Sign up to see the full company file
Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.
Answered from L&T FINANCE LIMITED's filed financials and exchange disclosures
L&T FINANCE LIMITED is a Finance company listed on NSE and BSE, trading under the symbol LTF.
Yes. Over the trailing twelve months L&T FINANCE LIMITED reported a net profit of ₹3,198 Cr on revenue of ₹18,928 Cr.
Yes. The dividend yield is 0.89% at the current price. It paid out 23% of its profit as dividend in FY26.
Effectively yes. It holds ₹4,489 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, L&T FINANCE LIMITED ranks 27 of 52 in Investment Company — cheaper than 49% of them, against an industry median of 23.7×. This is a position, not a valuation judgement.
On a typical session L&T FINANCE LIMITED moves 1.10% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by L&T FINANCE LIMITED appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
