L&T Finance Limited

Web: ltfs.com NSE: LTF BSE: 533519 SECTOR: Financial Services - Finance

304 2(-1%)

Volume

49L as on 22, Jul

Open

301

High

306

Low

298

306

VWAP

307

52 Week High

339

52 Week Low

194

Viand Research Rating

Quality Score

56/100

Growth Score

9/100

Valuation Score

50/100

Momentum Score

50/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

76,122

No. of Shares

251

P/E

15.45

P/B

1.64

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

10.61

ROCE

Profit Growth

Listing Date

12-Aug-11

Promoter Holding

65.96%

FII Holding

7.71%

DII Holding

14.9%

Price Chart

Price Performance

1 Week2%

1 Month6%

3 Months4%

6 Months6%

1 Year43%

YTD4%

Moving Average

5 Day SMA308

10 Day SMA313

20 Day SMA314

30 Day SMA303

50 Day SMA292

61 Day SMA292

80 Day SMA287

200 Day SMA287

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	320	309	315	321
Resistance 2	315	308	311	316
Resistance 1	311	308	309	312
Pivot Point	306	307	306	306
Support 1	302	306	302	303
Support 2	296	305	300	297
Support 3	292	304	296	293

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 65.96%	(0.01) 65.99%	(-0.11) 66.03%	(-0.11) 66.10%	(-0.11) 66.16%	(0.01) 66.24%	(0.01) 66.25%	(-0.11) 66.29%	(0.51) 66.37%	(0.01) 65.86%	(-0.11) 65.90%	(-0.11) 66.02%	(0.01) 66.10%	(0.01) 66.11%	(0.01) 66.15%	(0.01) 66.20%	(0.01) 66.23%	(2.81) 66.26%	(0.01) 63.50%	(0.01) 63.53%
FIIs	(0.11) 7.71%	(1.01) 7.64%	(0.31) 6.66%	(0.21) 6.40%	(0.71) 6.19%	(0.21) 5.48%	(-1.41) 5.30%	(-0.61) 6.73%	(-3.71) 7.34%	(0.41) 11.04%	(-1.41) 10.67%	(-1.81) 12.11%	(2.61) 13.90%	(0.11) 11.35%	(4.51) 11.24%	(0.11) 6.75%	(-0.31) 6.61%	(-1.01) 6.91%	(-0.41) 7.86%	(0.01) 8.25%
DIIs	(0.01) 14.90%	(-0.41) 14.91%	(1.01) 15.33%	(0.21) 14.33%	(0.81) 14.10%	(1.11) 13.28%	(-0.21) 12.17%	(0.71) 12.33%	(3.01) 11.64%	(-0.41) 8.69%	(2.11) 9.07%	(1.71) 7.02%	(-1.31) 5.29%	(0.51) 6.58%	(0.71) 6.05%	(0.01) 5.35%	(0.81) 5.34%	(-1.51) 4.57%	(-0.51) 6.11%	(0.01) 6.57%
Public	11.45%	11.48%	11.99%	13.15%	13.55%	15.01%	16.27%	14.66%	14.66%	14.39%	14.36%	14.85%	14.73%	15.96%	16.56%	21.69%	21.82%	22.26%	22.53%	21.66%
No. of Shareholders	732,902	748,865	775,728	777,432	792,374	846,682	876,841	787,291	739,180	711,555	687,721	695,023	663,769	708,237	707,070	750,885	763,709	786,113	767,715	720,629

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	5213	4771	4578	4336	4260	4023	4098	4019	3784	3670	3534	3214	3223	3243	3432	3138	2988	2947	2971	2958	3054
Sales Growth % (YoY)	22.4%	18.6%	11.7%	7.9%	12.6%	9.6%	16%	25.1%	17.4%	13.2%	3%	2.4%	7.9%	10%	15.5%	6.1%	-2.1%	-13.7%	-12.2%	-13.2%	-9.8%
Sales Growth % (QoQ)	9.3%	4.2%	5.6%	1.8%	5.9%	-1.8%	2%	6.2%	3.1%	3.8%	10%	-0.3%	-0.6%	-5.5%	9.4%	5%	1.4%	-0.8%	0.4%	-3.1%	-
Expenses	1974	1890	1800	1662	1640	1581	1676	1575	1482	1619	1375	1331	1270	1309	1356	1236	1388	1228	1299	1312	1405
Operating Profit	1269	1134	1075	1040	984	842	853	968	950	716	806	557	590	489	576	1902	1600	1719	1672	1646	1649
OPM %	24	24	23	24	23	21	21	24	25	20	23	17	18	15	17	61	54	58	56	56	54
Other Income	30	0	-25	0	0	4	8	5	0	6	47	268	153	202	-448	165	187	172	180	134	109
Interest	1970	1747	1703	1634	1636	1600	1569	1476	1351	1335	1353	1325	1364	1445	1501	1438	1413	1392	1407	1445	1510
Depreciation	63	60	58	51	41	41	36	33	28	28	29	28	30	29	28	27	27	28	24	28	23
Profit before tax	1236	1074	992	989	943	806	824	940	922	694	824	797	714	662	99	601	346	470	420	306	226
Tax %	26	25	26	26	26	21	24	26	26	20	22	25	26	37	-356	32	25	27	27	27	22
Net Profit	916	809	738	735	701	636	626	697	685	553	639	594	531	417	453	406	261	341	308	223	177
Net Profit Growth % (QoQ)	13.2%	9.6%	0.4%	4.9%	10.2%	1.6%	-10.2%	1.8%	23.9%	-13.5%	7.6%	11.9%	27.3%	-7.9%	11.6%	55.6%	-23.5%	10.7%	38.1%	26%	-
Net Profit Growth % (YoY)	30.7%	27.2%	17.9%	5.5%	2.3%	15%	-2%	17.3%	29%	32.6%	41.1%	46.3%	103.4%	22.3%	47.1%	82.1%	47.5%	-	-	-	-
TTM Net Profit	3198	2983	2810	2698	2660	2644	2561	2574	2471	2317	2181	1995	1807	1537	1461	1316	1133	1049	708	400	0
EPS in Rs	3.6	3.22	2.95	2.94	2.81	2.55	2.51	2.79	2.75	2.23	2.57	2.4	2.14	2.02	1.83	1.64	1.06	1.38	1.32	0.91	0.72

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	17914	15924	14252	12775	11930	13353	14104	13365	10215	8532	7440	6456	5221	3990
Sales Growth %	12.5%	11.7%	11.6%	7.1%	-10.7%	-5.3%	5.5%	30.8%	19.7%	14.7%	15.2%	23.6%	30.9%	32.8%
Expenses	6946	6304	6195	7935	5233	5401	4160	3377	3308	2776	1979	1625	1230	1025
Operating Profit	4234	3614	2670	-972	932	722	2392	3105	1449	1120	1328	1254	910	2965
OPM %	24	23	19	-8	8	5	17	23	14	13	18	19	17	74
Other Income	-26	16	474	2792	594	836	370	-4	49	26	8	16	-5	419
Interest	6734	6007	5387	5812	5765	7230	7552	6882	5458	4635	4133	3577	3081	2330
Depreciation	210	139	115	111	103	86	82	50	52	67	83	96	80	65
Profit before tax	3998	3491	3029	1709	1423	1472	2680	3052	1446	1079	1253	1175	825	989
Tax %	25	24	24	10	26	36	37	27	12	3	32	28	28	26
Net Profit	2983	2643	2317	1536	1049	949	1700	2232	1278	1048	857	855	595	730
Net Profit Growth %	12.9%	14.1%	50.8%	46.4%	10.5%	-44.2%	-23.8%	74.6%	21.9%	22.3%	0.2%	43.7%	-18.5%	-
EPS in Rs	11.9	10.6	9.32	6.55	4.33	3.93	6.9	9.06	5.11	4.83	3.97	4.04	2.82	3.46
Dividend Payout %	23	26	27	31	12	0	11	9	16	13	16	16	22	18

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	-14189	-16587	686	7490	6078	5464	2162	-11643	-15640	-5779	-9213	-6474	-6083	-6096
Cash from Investing Activity	367	472	849	-1634	-5087	-2025	160	-3587	1549	-2118	-675	2	-1032	-1671
Cash from Financing Activity	15415	15419	-7050	-1664	-3023	-2091	1451	16008	14678	7952	9426	6552	7602	7947
Net Cash Flow	1593	-697	-5515	4193	-2032	1349	3772	777	587	55	-461	81	487	180

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	2504	2500	2495	2493	2489	2480	2474	2469	2005	1999	1996	1756	1753	1720	1718	1717
Reserves	25479	23858	23069	21775	20950	19049	17474	16304	12688	11450	9411	6138	5442	4656	4107	3753
Borrowings	0	0	0	84985	0	0	0	0	0	0	0	0	0	0	0	28997
Other Liabilities	3903	2904	2447	2563	2652	1706	1696	1582	902	1094	1117	3593	3775	2912	2182	2102
Total Liabilities	142184	127232	120384	111815	102694	106339	106880	108947	109529	106050	87772	72511	63799	52742	44861	36570
Fixed Assets	1308	1113	641	576	519	553	509	1138	1100	1127	1151	1230	1313	1184	1228	1131
CWIP	62	0	45	0	36	5	22	24	62	39	19	28	22	174	140	89
Investments	10564	11389	11876	12471	12385	14366	11917	8872	5979	8641	5301	6012	3563	2649	2730	1843
Other Assets	130250	114730	107822	98768	89754	91415	94433	98912	102387	96243	81301	65242	58901	48736	40763	33507
Total Assets	142184	127232	120384	111815	102694	106339	106880	108947	109529	106050	87772	72511	63799	52742	44861	36570

OI Chart

Price

Delivery

#	Date	256 32% 339	Value (Cr)	Q/T 125	Del 44	Del 269
1	22-Jul	306	150	101	37	56
2	21-Jul	307	212	123	41	87
3	20-Jul	306	208	121	48	100
4	17-Jul	310	59	89	28	16
5	16-Jul	310	102	90	40	41
6	15-Jul	312	112	94	34	38
7	14-Jul	315	363	138	34	125
8	13-Jul	325	706	147	24	168
9	10-Jul	321	311	83	40	125
10	9-Jul	321	298	96	39	117
11	8-Jul	314	279	126	35	97
12	7-Jul	334	136	102	38	52
13	6-Jul	336	225	102	26	59
14	3-Jul	327	286	82	40	113
15	2-Jul	315	128	89	42	54
16	1-Jul	313	224	156	50	112
17	30-Jun	311	332	118	54	179
18	29-Jun	299	813	187	64	523
19	25-Jun	299	255	139	35	90
20	24-Jun	297	171	143	31	54
21	23-Jun	286	56	74	33	18
22	22-Jun	289	51	63	38	20
23	19-Jun	286	136	129	51	70
24	18-Jun	287	101	108	39	40
25	17-Jun	294	81	101	49	40
26	16-Jun	294	111	134	38	42
27	15-Jun	293	403	131	30	123
28	12-Jun	276	199	114	34	68
29	11-Jun	257	59	92	39	23
30	10-Jun	260	75	117	37	28
31	9-Jun	266	94	111	41	39
32	8-Jun	262	176	108	56	99
33	5-Jun	269	211	92	31	65
34	4-Jun	267	111	127	42	47
35	3-Jun	268	110	95	35	39
36	2-Jun	271	117	97	42	49
37	1-Jun	271	178	116	32	57
38	29-May	287	290	168	54	156
39	27-May	282	54	88	34	18
40	26-May	283	115	114	48	55
41	25-May	279	125	119	37	47
42	22-May	270	187	88	43	80
43	21-May	270	167	130	43	71
44	20-May	276	114	86	40	45
45	19-May	278	110	112	51	56
46	18-May	279	87	76	33	29
47	15-May	281	82	95	29	24
48	14-May	281	240	150	45	107

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	76,122c	551c	0.72
22-Jul	76,673c	351c	0.46
21-Jul	77,024c	476c	0.61
17-Jul	77,500c	201c	0.26
16-Jul	77,701c	739c	0.94
15-Jul	78,440c	175c	0.22
14-Jul	78,615c	2,669c	3.28
13-Jul	81,284c	50c	0.06
10-Jul	81,334c	977c	1.22
09-Jul	80,357c	1,491c	1.89
08-Jul	78,866c	4,969c	5.93
07-Jul	83,834c	326c	0.39
06-Jul	84,160c	5,324c	6.75
02-Jul	78,836c	388c	0.50
01-Jul	78,447c	777c	1.00
30-Jun	77,671c	1,867c	2.46
29-Jun	75,804c	965c	1.29
26-Jun	74,840c	877c	1.16
25-Jun	75,716c	1,340c	1.80
24-Jun	74,376c	2,719c	3.79
23-Jun	71,658c	827c	1.14
22-Jun	72,484c	639c	0.89
19-Jun	71,845c	63c	0.09
18-Jun	71,908c	1,817c	2.46
17-Jun	73,725c	188c	0.26
16-Jun	73,537c	125c	0.17
15-Jun	73,411c	4,322c	6.26
12-Jun	69,089c	4,197c	6.47
11-Jun	64,893c	1,704c	2.56
10-Jun	66,596c	0	0

Stock Checklist

Price is above from 52 week high low average: 52%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

No mutual fund holding data available.

Strategy Builder

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Events

Date	Purpose
10-Jul-26	Q1 2027