NSE LTF · BSE 533519 · Consumer Financial Services · NIFTY 500
L&T Finance Share Price
L&T Finance Overview
Where the price stands, how it has moved and how it sits against its averages.
L&T Finance shares last traded at ₹284.70 on the NSE, down 8.93% on the day. That is 15.9% below the 52-week high of ₹338.50 and 22.6% above the 52-week low of ₹232.20. The stock trades at 24.44× earnings, above the sector average of 23.98. Its market value is ₹70,917 Cr.
Price returns
Against the market: 1 Month ▼ −0.39% · 3 Months ▲ +7.56% · 6 Months ▲ +19.34% · This year ▲ +11.74% · 1 Year ▲ +38.04%
Shading grows with the size of the move. Prices refresh every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next update from Mon 28 Sep, 9:15 AM.
Moving averages — price is above 0 of 6
- 50-day average₹312.16 ▼ price 8.8% below
- 20-day average₹311.34 ▼ price 8.6% below
- 10-day average₹305.92 ▼ price 6.9% below
- 5-day average₹304.66 ▼ price 6.6% below
- 100-day average₹300.61 ▼ price 5.3% below
- 300-day average₹294.23 ▼ price 3.2% below
- Today's price₹284.70
Averages above today's price sit higher on the ladder. Price above most of its averages is usually read as an upward trend.
L&T Finance Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹17,853 Cr | ▲ +13.3% | ₹2,981 Cr | 16.7% | ₹11.88 | ₹2.75 |
| FY 2025 | ₹15,758 Cr | ▲ +12.1% | ₹2,644 Cr | 16.8% | ₹10.61 | ₹2.75 |
| FY 2024 | ₹14,055 Cr | ▲ +5.7% | ₹2,320 Cr | 16.5% | ₹9.30 | ₹2.50 |
| FY 2023 | ₹13,295 Cr | ▲ +8.0% | ₹1,623 Cr | 12.2% | −₹2.59 | ₹2.00 |
| FY 2022 | ₹12,316 Cr | ▼ −10.4% | ₹1,070 Cr | 8.7% | ₹3.51 | ₹0.50 |
| FY 2021 | ₹13,743 Cr | ▼ −5.0% | ₹971 Cr | 7.1% | ₹3.50 | — |
| FY 2020 | ₹14,465 Cr | — | ₹1,700 Cr | 11.8% | ₹10.19 | ₹0.84 |
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹5,243 Cr | ▲ +9.9% | ₹902 Cr | 17.2% | ₹3.59 |
| Q4 FY26 | ₹4,771 Cr | ▲ +4.1% | ₹807 Cr | 16.9% | ₹3.21 |
| Q3 FY26 | ₹4,581 Cr | ▲ +5.9% | ₹739 Cr | 16.1% | ₹2.94 |
| Q2 FY26 | ₹4,327 Cr | ▲ +3.7% | ₹735 Cr | 17.0% | ₹2.93 |
| Q1 FY26 | ₹4,174 Cr | ▲ +4.0% | ₹701 Cr | 16.8% | ₹2.80 |
| Q4 FY25 | ₹4,014 Cr | ▼ −0.9% | ₹636 Cr | 15.8% | ₹2.54 |
| Q3 FY25 | ₹4,052 Cr | ▲ +2.6% | ₹626 Cr | 15.5% | ₹2.50 |
| Q2 FY25 | ₹3,949 Cr | — | ₹696 Cr | 17.6% | ₹2.78 |
Balance sheet — FY26
- Total assets₹1,42,205 Cr
- Total liabilities₹1,14,222 Cr
- Shareholders' equity₹27,984 Cr
- Total debt₹1,10,298 Cr
- Cash & investments₹4,489 Cr
- Revenue growth, 5 yr5.37% a year
- EPS growth, 5 yr27.67% a year
- Operating margin (TTM)26.28%
- Net margin (TTM)16.90%
Cash flow — FY26
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 14,465.37 | 13,743.23 | 12,315.63 | 13,295.25 | 14,055.09 | 15,758.34 | 17,852.81 |
| Cost of revenue | 18.89 | 17.14 | 1.82 | 0.82 | 0.58 | — | — |
| Gross profit | 14,446.48 | 13,726.09 | 12,313.81 | 13,294.43 | 14,054.51 | — | — |
| Operating expenses | 3,961.00 | 4,610.98 | 3,964.84 | 7,077.27 | 4,829.60 | 6,177.44 | 6,636.00 |
| Operating income | 10,504.37 | 9,132.25 | 8,350.79 | 6,217.98 | 9,225.49 | 9,580.90 | 11,216.81 |
| Depreciation | 65.92 | 77.67 | 99.54 | 109.39 | 114.58 | 138.90 | 209.69 |
| Profit before tax | 2,680.08 | 1,261.34 | 1,222.85 | −556.52 | 3,029.03 | 3,491.26 | 3,998.17 |
| Tax | 506.44 | 523.11 | 373.62 | 172.37 | 711.90 | 847.84 | 1,015.30 |
| Net profit | 1,700.17 | 970.94 | 1,070.11 | 1,623.25 | 2,320.10 | 2,643.66 | 2,981.18 |
| EPS (₹) | 10.19 | 3.50 | 3.51 | −2.59 | 9.30 | 10.61 | 11.88 |
| Dividend per share (₹) | 0.84 | — | 0.50 | 2.00 | 2.50 | 2.75 | 2.75 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 1,09,544.65 | 1,08,971.65 | 1,06,902.18 | 1,06,362.14 | 1,02,717.55 | 1,20,409.36 | 1,42,205.31 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 5,598.69 | 6,947.79 | 4,915.98 | 9,108.68 | 3,593.35 | 2,896.22 | 4,488.94 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 81.91 | 61.47 | 55.21 | 112.26 | 409.82 | 513.74 | 858.55 |
| Total liabilities | 94,852.23 | 90,198.45 | 86,954.48 | 84,833.77 | 79,279.11 | 94,845.30 | 1,14,221.78 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 93,950.19 | 88,638.09 | 85,246.38 | 83,116.37 | 76,631.79 | 92,372.44 | 1,10,297.66 |
| Total equity | 14,692.42 | 18,773.20 | 19,947.70 | 21,528.37 | 23,438.44 | 25,564.06 | 27,983.53 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | 2,161.76 | 5,464.30 | 6,078.06 | 7,490.47 | 673.47 | −16,586.50 | −14,189.24 |
| From investing | 159.52 | −2,024.48 | −5,083.54 | −1,106.98 | 848.62 | 470.86 | 366.90 |
| From financing | 1,450.53 | −2,090.68 | −3,023.01 | −1,663.81 | −7,037.42 | 15,418.51 | 15,415.06 |
| Capital expenditure | −79.71 | −52.58 | −77.55 | −127.92 | −118.76 | −195.28 | −239.46 |
| Dividends paid | −484.13 | 0.00 | — | −123.75 | −496.61 | −622.46 | −686.77 |
| Net change in cash | 3,772.04 | 1,349.10 | −2,028.49 | 4,719.68 | −5,515.33 | −697.13 | 1,592.72 |
What Analysts Say
Recommendations from 20 analysts who cover L&T Finance.
▲ 15 bullish (75.0%) · 3 hold (15.0%) · ▼ 2 bearish (10.0%)
Votes
How the votes changed
| Rating | 3M ago | 2M ago | 1M ago | 1W ago | Now | 3-month change |
|---|---|---|---|---|---|---|
| Strong Buy | 7 | 8 | 8 | 8 | 8 | ▲ +1 |
| Buy | 7 | 6 | 7 | 7 | 7 | — |
| Hold | 3 | 3 | 3 | 3 | 3 | — |
| Sell | 1 | 1 | 1 | 1 | 1 | — |
| Strong Sell | 1 | 1 | 1 | 1 | 1 | — |
Analyst ratings are opinions, not a guarantee of returns.
L&T Finance vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield | Rating |
|---|---|---|---|---|---|---|---|---|---|
| L&T Finance | ₹284.70 | ▼ −8.93% | ₹70,917 Cr | 24.44 | 2.77 | 7.18% | 16.90% | 0.89% | This stock |
| Bajaj Finance | ₹982.10 | ▼ −5.57% | ₹6,11,451 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% | Moderately Bearish |
| Shriram Finance | ₹991.00 | ▼ −1.59% | ₹2,33,181 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% | Bearish |
| Jio Financial Services | ₹227.00 | ▼ −2.03% | ₹1,49,891 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% | Bearish |
| Tata Capital | ₹334.55 | ▼ −4.43% | ₹1,42,033 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% | Bearish |
| Power Finance Corporation | ₹339.25 | ▼ −2.15% | ₹1,11,956 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% | Bearish |
Rating = the data provider's overall technical view of each peer. Company names link to their own pages.
L&T Finance Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
Valuation Is the price reasonable?
Profitability Of every ₹100 of sales, how much is kept?
Returns & efficiency How well does it use its money?
Growth Is the business getting bigger?
Financial strength Can it pay its bills and debts?
Per share What each share stands for
The share price is 2.55× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 104 metrics from the data provider
Valuation
Per share
Margins
Growth
Financial strength
Returns & efficiency
Price & volume
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
- Dividend yield0.89%
- Payout ratio23.04%
- 5-year average dividend₹2.10 a share
- Latest dividend₹2.75 per share · 22 May 2026
Corporate calendar
- Upcoming · MeetingPostal Ballot
- BoardQuarterly Results
- MeetingAnnual General Meeting
- Dividend₹2.75 per share · 28% · Final dividend
- BoardAudited Results & Final Dividend
- BoardQuarterly Results
- BoardQuarterly Results
- BoardQuarterly Results
- MeetingAnnual General Meeting
Show 10 older events
- Dividend₹2.75 per share · 28% · Final dividend
- BoardAudited Results & Final Dividend
- BoardQuarterly Results
- BoardQuarterly Results
- MeetingAnnual General Meeting
- Dividend₹2.50 per share · 25% · Final dividend
- MeetingPostal Ballot
- MeetingCOM
- Dividend₹2.00 per share · 20% · Final dividend
- Dividend₹0.50 per share · 5% · Final dividend
About L&T Finance
Consumer Financial Services
L&T Finance Limited is an India-based non-banking financial company engaged in the provision of retail and wholesale financial services. It offers personal loans, two-wheeler loans, home loans, rural business finance, farm loans, loans against property, business loans and gold loans. It offers personal loans for medical emergencies, home renovations, weddings and celebrations, vacations and education, among others. Its two-wheeler (TW) loans include electric two-wheeler loan, super bike loan and commuter TW loan. Its business loans include small and medium-sized enterprises (SME) loans, doctor loans, chartered accountant loans, professional loans and supply chain financing. Its rural business finance includes Vikaas Loan (Group Loan), Vishwas Loan (Group Loan), Pragati Loan (Group Loan) and Micro Loan Against Property. It also offers a range of insurance products, such as Life Insurance, Health Insurance and General Insurance.
Key people
- Sudipta RoyChief Executive Officer, Managing Director, Executive Director
- Sachinn Roopnarayan JoshiChief Financial Officer
- Asheesh GoelChief Executive - Farmer Finance
- Manish Kumar GuptaChief Executive - Urban Unsecured Assets, Payments & Digital Partnerships
- Sonia KrishnankuttyChief Executive - Rural Business Finance
- Jinesh ShahChief Executive - Urban Secured Assets & 3rd Party Products
Company facts
- NSE symbolLTF
- BSE code533519
- ISININE498L01015
- IndustryConsumer Financial Services
- IndexNIFTY 500
- Market cap₹70,917 Cr
- Revenue (FY26)₹17,853 Cr
- Net profit (FY26)₹2,981 Cr
In the News
Recent headlines about L&T Finance — they open on Mint in a new tab.
- Banks, NBFC insurance income at risk on Irdai fee caps
Irdai’s proposed insurance commission caps could sharply cut distribution income for banks and NBFCs, especially from credit-life policies, while ending compulsory loan-insurance bundling. The proposals may pressure earnings at lenders and insurers, triggering a sell-off in related stocks.
24 Sep 2026 · 4 min read · Mint ↗ - ₹85,000 crore gone! PB Fintech to HDFC Bank — these 5 financial stocks witness highest wealth erosion on IRDAI's move
Financial stocks faced significant selloff on Thursday due to proposed changes by IRDAI to insurance distribution and commission structures, erasing ₹1.12 lakh crore in market capitalisation. Major losses were seen in Bajaj Finance, PB Fintech, HDFC Bank, and Axis Bank, leading the decline.
24 Sep 2026 · 4 min read · Mint ↗ - PB Fintech leads slump in insurance stocks on IRDAI's fee cap plan
The IRDAI has proposed measured that could slash insurance fee income for banks and digital brokers by as much as 90% in high-margin categories.
24 Sep 2026 · 1 min read · Mint ↗ - Yes to Shanghvi, no to Tata: Why RBI did not follow its precedent set in 2023
Like Shanghvi Finance, Tata Sons too paid off all its borrowings and applied to surrender its NBFC licence but didn't get a reprieve on listing from the RBI.
14 Sep 2026 · 5 min read · Mint ↗ - Stocks to watch today: Reason why these shares are in focus for Wednesday's trading session | Full list
Stock market today: Benchmark indices Sensex and Nifty closed marginally lower on Tuesday amid concerns over elevated crude oil prices and renewed tensions between the US and Iran, which weighed on investor sentiment.
2 Sep 2026 · 2 min read · Mint ↗ - Industrial output growth narrows to 6.7% in July from 8.8% in June
Manufacturing and capital goods drove India’s industrial output in July, keeping overall growth strong despite a slight moderation from June and a dip in mining.
28 Aug 2026 · 3 min read · Mint ↗ - Bharat Dynamics to L&T - Jay Thakkar suggests 3 stocks to buy or sell for short-term in F&O segment
Domestic benchmark indices continued to decline on Wednesday, with Nifty 50 falling 0.35% to 24,070.65 and Sensex down 0.32% to 76,991.33. Concerns over elevated crude oil prices and rising bond yields pressured investor sentiment amid a broad-based market weakness.
19 Aug 2026 · 4 min read · Mint ↗ - Buy or sell: Gift Nifty hints at a volatile session, Vaishali Parekh recommends three stocks to buy today — 19 August
Buy or sell: Vaishali Parekh recommends three stocks to buy today — Data Patterns, L&T Finance, and Piramal Pharma
19 Aug 2026 · 2 min read · Mint ↗
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