L&T Finance Ltd

LTF
NSE· Financial Services
321.25
+0.15 (+0.05%)
Updated 12:32 pm IST
52W Low · ₹194.4052W High · ₹338.60
Near 52W High
Market Cap
₹67297.90L Cr
Volume
95.97L
Prev Close
₹321.10
ISIN
INE498L01015

Orion Score

Fundamentals-based quality & risk · not a recommendation

47/100
Caution

L&T Finance Ltd scores 47/100 (Caution) on the Orion Score — weak business quality (42), weak growth (44), moderate balance-sheet safety (64) and fair valuation (41). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Quality
42
Growth
44
Safety
64
Value
41

Full Orion analysis

Risk checks

  • No size, liquidity or track-record concerns
  • Profitable — 10% return on equity

Forensic accounting

Forensic screens (Piotroski, Altman, Beneish) are built for non-financial companies. Banks & NBFCs are judged on capital adequacy, asset quality & returns instead.

Technical / Momentum

Price Trend

66/100

Neutral

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION
High Debt
D/E 3.93x — elevated leverage
QUALITY
Average
ROCE 11.1% — decent returns
MOMENTUM
Bullish
RSI 61.3 — strong momentum

Price Chart

SMA 20
SMA 50
SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio
22.63
ROCE
11.12%
ROE (1Y)
11.12%
D/E Ratio
3.93x
OPM
TTM EPS
₹11.87
Dividend Yield
102.00%
Qtrly Sales
₹2,821.39 Cr
Qtrly Profit
₹806.63 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit
QuarterRevenueNet ProfitOPMEPS
Q4 2026₹2,821.39₹806.63₹3.21
Q3 2026₹2,717.23₹738.61₹2.94
Q1 2026₹2,534.12₹701.1₹2.80
Q4 2025₹2,332.6₹636.17₹2.54
Q3 2025₹2,610.64₹626.4₹2.50

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit
YearRevenueNet ProfitEBITDAOPM
FY 2026₹10,635.18₹2,981.18
FY 2025₹9,669.18₹2,643.66
FY 2024₹7,859.26₹2,320.1
FY 2023₹6,521.26₹1,623.25

Peer Comparison — Financial Services

Top companies in the same sector by market cap

CompanyMkt CapP/EROCEROED/EOPM
LTF₹67,298 Cr22.6311.12%11.12%3.93x
ICICIBANK₹9,05,033 Cr16.8916.36%16.36%
SBIN₹9,02,477 Cr10.7315.48%15.48%
BAJAJHFL₹73,351 Cr28.593.22%12.06%4.61x31.70%
ANGELONE₹31,612 Cr34.6114.23%15.53%1.29x38.76%
CDSL₹29,927 Cr61.7225.37%23.91%0.00x37.64%

Balance Sheet

All values in ₹ Crores

MetricFY 2025FY 2024FY 2023FY 2022
Total Assets₹1,20,409.36₹1,02,717.55₹1,06,362.14₹1,06,902.18
Equity₹25,564.06₹23,438.44₹21,528.37₹19,947.7
Total Debt₹92,372.44₹76,603.45₹83,104.9₹84,851.03
Cash₹6,041.8₹3,647.86₹8,904.07₹6,088.07
Net Debt₹86,205.1₹72,893.01₹74,139.38₹78,727.43
Working Capital

Shareholding Pattern

Q1 FY2027

Promoter
65.99%
FII
10.56%
DII
8.64%
Public
14.81%

Quarter-over-Quarter Trend

QuarterPromoterFIIDIIPublic
Q1 FY202765.99% ↓10.56% ↑8.64% ↓14.81% ↑
Q3 FY202666.03% ↓6.66% ↑15.33% ↑11.99% ↓
Q2 FY202666.1% ↓6.4% ↑14.33% ↑13.15% ↓
Q1 FY202666.16% ↓6.19% ↑14.1% ↑13.55% ↓
Q4 FY202566.24% ↓5.48% ↑13.28% ↑15.01% ↓
Q3 FY202566.25% ↓5.3% ↓12.17% ↓16.27% ↑
Q2 FY202566.29% ↓6.73% ↓12.33% ↑14.66%
Q1 FY202566.37%7.34%11.64%14.66%

Corporate Actions

Ex-DateActionDetails
2026-05-22
DIVIDEND
Dividend - Rs 2.75 Per Share

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About L&T Finance Ltd (LTF) Stock

L&T Finance Ltd is listed on the NSE under the Financial Services sector, Investment Company industry. ISIN: INE498L01015. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.