L&T Finance Limited

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

283 3(1%)

Volume

41L as on 26, May

Open

288

High

290

Low

284

279

VWAP

282

52 Week High

329

52 Week Low

154

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

70,854

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

65.99%

FII Holding

7.64%

DII Holding

14.91%

Price Chart

Price Performance

1 Week2%

1 Month3%

3 Months6%

6 Months8%

1 Year64%

YTD11%

Moving Average

5 Day SMA276

10 Day SMA278

20 Day SMA284

30 Day SMA285

50 Day SMA275

61 Day SMA276

80 Day SMA279

200 Day SMA273

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	291	282	286	293
Resistance 2	286	281	283	287
Resistance 1	283	280	281	284
Pivot Point	278	279	278	278
Support 1	274	279	274	276
Support 2	269	278	272	270
Support 3	266	277	269	268

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	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) 65.99%	(-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	(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	(-0.41) 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	11.48%	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	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

	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	4771	4578	4336	4260	4023	4098	4019	3784	3670	3534	3214	3223	3243	3432	3138	2988	2947	2971	2958	3054
Expenses	1890	1800	1662	1640	1581	1676	1575	1482	1619	1375	1331	1270	1309	1356	1236	1388	1228	1299	1312	1405
Operating Profit	1134	1075	1040	984	842	853	968	950	716	806	557	590	489	576	1902	1600	1719	1672	1646	1649
OPM %	24	23	24	23	21	21	24	25	20	23	17	18	15	17	61	54	58	56	56	54
Other Income	0	-25	0	0	4	8	5	0	6	47	268	153	202	-448	165	187	172	180	134	109
Interest	1747	1703	1634	1636	1600	1569	1476	1351	1335	1353	1325	1364	1445	1501	1438	1413	1392	1407	1445	1510
Depreciation	60	58	51	41	41	36	33	28	28	29	28	30	29	28	27	27	28	24	28	23
Profit before tax	1074	992	989	943	806	824	940	922	694	824	797	714	662	99	601	346	470	420	306	226
Tax %	25	26	26	26	21	24	26	26	20	22	25	26	37	-356	32	25	27	27	27	22
Net Profit	809	738	735	701	636	626	697	685	553	639	594	531	417	453	406	261	341	308	223	177
EPS in Rs	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
Expenses	6946	6304	6195	7938	5233	5401	4160	3377	3308	2776	1979	1625	1230	1025
Operating Profit	4234	3614	2670	-975	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	2795	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
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	6718	6078	5464	2162	-11643	-15640	-5779	-9213	-6474	-6083	-6096
Cash from Investing Activity	367	472	849	-862	-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	235 30% 305	Value (Cr)	Q/T 100	Del 43	Del 65
1	27-May	282	54	88	34	18
2	26-May	283	115	114	48	55
3	25-May	279	125	119	37	47
4	22-May	270	187	88	43	80
5	21-May	270	167	130	43	71
6	20-May	276	114	86	40	45
7	19-May	278	110	112	51	56
8	18-May	279	87	76	33	29
9	15-May	281	82	95	29	24
10	14-May	281	240	150	45	107
11	13-May	282	177	111	61	107
12	12-May	281	189	119	49	93
13	11-May	295	103	71	42	43
14	8-May	303	77	86	42	32
15	7-May	304	114	95	37	43
16	6-May	300	265	122	32	84
17	5-May	290	134	116	40	53
18	4-May	286	142	87	44	62
19	30-Apr	280	106	77	45	48
20	29-Apr	285	97	79	38	37
21	28-Apr	286	163	99	33	54
22	27-Apr	288	459	131	24	112
23	24-Apr	290	104	85	30	31
24	23-Apr	292	102	92	36	36
25	22-Apr	294	99	108	50	50
26	21-Apr	292	157	107	46	72
27	20-Apr	290	135	98	34	46
28	17-Apr	287	97	77	37	36
29	16-Apr	280	153	110	41	63
30	15-Apr	281	150	89	48	73
31	13-Apr	274	131	71	41	54
32	10-Apr	278	162	106	45	73
33	9-Apr	272	128	91	34	43
34	8-Apr	275	237	115	30	71
35	7-Apr	255	147	88	39	57
36	6-Apr	255	293	122	25	74
37	2-Apr	240	120	86	41	49
38	1-Apr	245	127	50	43	55
39	30-Mar	240	230	107	49	113
40	27-Mar	252	179	58	49	87
41	25-Mar	261	136	92	40	55
42	24-Mar	255	170	143	42	72
43	23-Mar	248	202	113	46	93
44	20-Mar	261	167	106	34	57

Daily Market Cap

Date	Total Market Cap	Change	Chg %
26-May	70,854c	827c	1.18
25-May	70,027c	3,282c	4.92
22-May	66,745c	1,328c	1.95
21-May	68,073c	1,065c	1.54
20-May	69,138c	526c	0.76
19-May	69,664c	877c	1.27
18-May	68,787c	1,741c	2.47
15-May	70,528c	213c	0.30
14-May	70,316c	13c	0.02
13-May	70,303c	100c	0.14
12-May	70,403c	3,433c	4.65
11-May	73,836c	2,295c	3.01
07-May	76,130c	1,753c	2.36
06-May	74,377c	1,503c	2.06
05-May	72,874c	1,102c	1.54
04-May	71,772c	1,470c	2.09
30-Apr	70,302c	1,330c	1.86
29-Apr	71,632c	55c	0.08
28-Apr	71,687c	992c	1.36
24-Apr	72,679c	834c	1.13
23-Apr	73,513c	326c	0.44
22-Apr	73,839c	501c	0.68
21-Apr	73,338c	852c	1.17
20-Apr	72,486c	664c	0.92
17-Apr	71,822c	1,793c	2.56
16-Apr	70,029c	486c	0.69
15-Apr	70,515c	0	0

Stock Checklist

Price is above from 52 week high low average: 47%

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

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