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Swing Capital

L&T Finance Ltd

NSE: LTF BSE: 533519Banking

L&T Finance Ltd. is a NBFC, offering a range of financial products and services. [1] Company has filed requisite application for necessary registration as Systemically Important Non- Deposit Accepting Core Investment Company (NBFC-CIC)[2]

₹279
52W: ₹169 — ₹329
PE 22.3 · Book ₹111 · +151% vs book
Market Cap₹69,864 Cr
Stock P/E22.3Price to Earnings
ROCE8.5%Return on Capital
ROE11.8%Return on Equity
Div. Yield1%Face Value ₹10

Strengths

  • +Company has delivered good profit growth of 145% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 25.2%

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 11.0% over last 3 years.
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters65.99%
FIIs7.64%
DIIs14.91%
Public11.48%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters66.37%66.29%▼0.166.25%▼0.066.24%▼0.066.16%▼0.166.1%▼0.166.03%▼0.165.99%▼0.0
FIIs7.34%6.73%▼0.65.3%▼1.45.48%▲0.26.19%▲0.76.4%▲0.26.66%▲0.37.64%▲1.0
DIIs11.64%12.33%▲0.712.17%▼0.213.28%▲1.114.1%▲0.814.33%▲0.215.33%▲1.014.91%▼0.4
Public14.66%14.66%16.27%▲1.615.01%▼1.313.55%▼1.513.15%▼0.411.99%▼1.211.48%▼0.5

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses1,3811,6321,4911,5831,6841,5871,6491,6711,8121,903
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit636545679689619631694728731947
EPS ₹2.562.192.732.762.482.532.782.912.923.78

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹62Cr (6% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 14.91% (+9.62pp change). FIIs: 7.64% (-6.26pp change). Promoters hold 65.99%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 22.3x with 8.5% ROCE. Price is 151% above book value of ₹111. Dividend yield: 1%.

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