NSE LTF · BSE 533519 · Consumer Financial Services · NIFTY 500

L&T Finance Share Price

Market open · NSE price as of Mon 28 Sep
₹280.85 ▼ −₹3.15 · 1.11%
Day range · 28 Sep
₹277.90Low₹283.55High
52-week range
₹232.20Low · 2 Apr 2026₹338.50High · 7 Jul 2026

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 ₹280.85 on the NSE, down 1.11% on the day. That is 17.0% below the 52-week high of ₹338.50 and 21.0% above the 52-week low of ₹232.20. The stock trades at 22.12× earnings, below the sector average of 22.34. Its market value is ₹70,391 Cr.

NSE closing prices — daily for the last year, weekly before that — ending at the latest price (Mon 28 Sep). Hover, tap or use the arrow keys to read a day.

Price returns

1 Day▼ −1.11%
1 Week▼ −8.76%
This month▼ −12.51%
3 Months▼ −6.07%
6 Months▲ +11.60%
This year▼ −11.11%
1 Year▲ +18.85%

Share price growth a year (CAGR): 3 years ▲ +31.1% · 5 years ▲ +26.9% · 10 years ▲ +12.5%

Against the market: 1 Month ▼ −5.52% · 3 Months ▼ −0.90% · 6 Months ▲ +12.38% · This year ▲ +3.66% · 1 Year ▲ +27.80%

Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST). Its quotes are not real-time — the time at the top shows how current the price is.

Moving averages — price is above 0 of 6

  1. 50-day average₹310.63 ▼ price 9.6% below
  2. 20-day average₹307.26 ▼ price 8.6% below
  3. 100-day average₹300.87 ▼ price 6.7% below
  4. 10-day average₹300.52 ▼ price 6.5% below
  5. 5-day average₹297.74 ▼ price 5.7% below
  6. 300-day average₹294.04 ▼ price 4.5% below
  7. Today's price₹280.85

Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.

L&T Finance Financial Results

Revenue and net profit in ₹ crore, with the full statements underneath.

Revenue₹ crore
17,853
Net profit₹ crore · losses below zero
2,981

Year by year

Fiscal yearRevenueGrowthNet profitNet marginEPSDividend
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

Balance sheet — FY26

Owes (liabilities)Shareholders' equity
80%
20%
  • 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

Operating activities
▼ −₹14,189 Cr
Investing activities
▲ ₹367 Cr
Financing activities
▲ ₹15,415 Cr
Free cash flow
▼ −₹14,429 Cr
Net change in cash
▲ ₹1,593 Cr

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
₹ croreFY20FY21FY22FY23FY24FY25FY26
Total revenue14,465.3713,743.2312,315.6313,295.2514,055.0915,758.3417,852.81
Cost of revenue18.8917.141.820.820.58——
Gross profit14,446.4813,726.0912,313.8113,294.4314,054.51——
Operating expenses3,961.004,610.983,964.847,077.274,829.606,177.446,636.00
Operating income10,504.379,132.258,350.796,217.989,225.499,580.9011,216.81
Depreciation65.9277.6799.54109.39114.58138.90209.69
Profit before tax2,680.081,261.341,222.85−556.523,029.033,491.263,998.17
Tax506.44523.11373.62172.37711.90847.841,015.30
Net profit1,700.17970.941,070.111,623.252,320.102,643.662,981.18
EPS (₹)10.193.503.51−2.599.3010.6111.88
Dividend per share (₹)0.84—0.502.002.502.752.75

L&T Finance vs Peers

Side by side with other consumer financial services companies. The small bars compare each column.

CompanyPriceChangeMarket capP/EP/BROE (5 yr)Net marginDiv. yield
L&T Finance This stock ₹280.85 ▼ −1.11% ₹70,391 Cr 22.12 2.51 7.18% 16.90% 0.98%
Bajaj Finance ₹985.00 ▼ −1.01% ₹6,13,257 Cr 25.01 5.76 19.79% 23.72% 0.51%
Shriram Finance ₹979.00 ▼ −2.00% ₹2,30,357 Cr 13.87 2.95 16.15% 20.94% 1.04%
Jio Financial Services ₹220.25 ▼ −2.97% ₹1,45,434 Cr 95.47 1.15 1.11% 49.84% 0.21%
Tata Capital ₹328.55 ▼ −3.13% ₹1,39,485 Cr 20.47 3.26 14.39% 15.95% 0.16%
Power Finance Corporation ₹330.15 ▼ −2.52% ₹1,08,953 Cr 5.42 1.01 20.90% 29.13% 4.58%

Peer prices and ratios as last reported by the data provider. Company names link to their own pages.

Shareholding Pattern

Who owns L&T Finance shares, quarter by quarter (latest on top).

PromoterFIIMFOther
Jun '26
66.0%
11.6%
14.8%
Mar '26
Dec '25
Sep '25
HolderSep '25Dec '25Mar '26Jun '26Change
Promoter66.10%66.03%65.99%65.96% ▼ −0.03 pts
FII6.40%6.66%7.64%7.71% ▲ +0.07 pts
MF10.51%11.86%11.54%11.56% ▲ +0.02 pts
Other16.99%15.45%14.83%14.77% ▼ −0.06 pts

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.

L&T FinanceBenchmarkRule-of-thumb bands

Valuation The price against earnings, book value and sales

P/E (TTM)Price ÷ yearly earnings per share
22.12
▼ 1% below the sector average of 22.34
P/E, 12-month rangeLow 13.26 · high 28.18
59%
Today's P/E sits 59% of the way from its low to its high
P/BPrice ÷ book value per share
2.51
P/SMarket cap ÷ last 12 months' revenue
3.72
P/CFPrice ÷ cash flow per share
20.75
PEGP/E ÷ earnings growth rate
0.81

Profitability Of every ₹100 of sales, how much is kept?

Gross marginKept after the cost of goods
62.72%
Operating marginKept after running costs
26.28%
▼ below its 5-yr average of 60.85%
Pre-tax marginKept before tax
22.68%
▲ above its 5-yr average of 15.26%
Net marginKept as profit
16.90%
▲ above its 5-yr average of 11.00%

Returns & efficiency How well does it use its money?

Return on equityProfit on shareholders' money
11.13%
▲ above its 5-yr average of 7.18%
Return on assetsProfit on everything it owns
2.27%
▲ above its 5-yr average of 1.43%
Return on investmentProfit on long-term capital
4.03%
▲ above its 5-yr average of 2.41%
Return on capital employedProfit before interest and tax on equity + debt
3.12%

Growth Is the business getting bigger?

Revenue — last 12 months
+16.9%
▲ growing
Revenue — 3 yr, a year
+10.3%
▲ growing
Revenue — 5 yr, a year
+5.4%
▲ growing
Net profit — 3 yr, a year
+22.5%
▲ growing
Net profit — 5 yr, a year
+25.2%
▲ growing (off the scale)
EPS — last 12 months
+19.3%
▲ growing
EPS — 5 yr, a year
+27.7%
▲ growing (off the scale)
Dividend — 3 yr, a year
+11.2%
▲ growing
Book value — 5 yr, a year
+8.0%
▲ growing

Financial strength Can it pay its bills and debts?

Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
3.94×
• Normal for a lender
Payout ratioShare of profit paid as dividend
23.15%
• Keeps most

Per share What each share stands for

EPS (TTM)
₹12.67
Book value
₹111.74
Cash flow
₹13.66
Dividend
₹2.75
Revenue
₹75.34

The share price is 2.51× 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

P/E excluding extraordinary items, most recent fiscal year23.90
Current Dividend Yield - Common Stock Primary Issue, LTM0.97
Price to Book - most recent fiscal year2.54
P/E Basic excluding extraordinary items - TTM24.44
P/E including extraordinary items - TTM22.41
P/E excluding extraordinary items low, trailing 12 months13.26
Price to Tangible Book - most fiscal year2.59
Dividend Yield - 5 Year Average1.47
Price to sales - most recent fiscal year3.99
Dividend Yield - indicated annual dividend divided by closing price0.97
Price to Cash Flow per share - trailing 12 month20.75
Peg Ratio0.81
P/E Normalized, most recent fiscal year15.38
P/E excluding extraordinary items high, trailing 12 months28.18
P/E excluding extraordinary items, most recent fiscal year quarter22.41
Price to sales - trailing 12 month3.76
Net Debt, LFY10,58,087.00

Per share

Dividend Per Share - 5 year average2.10
Cash Flow per share - trailing 12 month13.66
Cash Flow per share - most recent fiscal year12.72
EPS including extraordinary items - trailing 12 month12.67
EPS including extraordinary items - most recent fiscal year11.88
EBITD per share - trailing 12 month29.69
Revenue/share - trailing 12 month75.34
EPS excluding extraordinary items - trailing 12 month12.67
EPS Basic excluding extraordinary items - most recent fiscal year11.92
EPS Basic excluding extraordinary items - trailing 12 month12.71
Book value per share - most recent fiscal year111.74
Dividend per share - most recent fiscal year2.75
Revenue/share - most recent fiscal year71.15
EPS Normalized - most recent fiscal year18.46
Book value (tangible) per share - most recent fiscal year109.70
Dividends per share - trailing 12 month2.75
EPS excluding extraordinary items - most recent fiscal year11.88
Cash per share - most recent fiscal year17.92

Margins

Operating margin - trailing 12 month26.28
Operating margin - 1st historical fiscal year62.83
Operating Margin - 5 year average60.85
Net Profit Margin % - 1st historical fiscal year16.71
Net Profit Margin % - trailing 12 month16.90
Net Profit Margin - 5 year average11.00
Pretax Margin - 5 year average15.26
Pretax margin - 1st historical fiscal year22.40
Pretax margin - trailing 12 month22.68
Free Operating Cash Flow/Revenue, 5 Year Average−26.23
Gross Margin - trailing 12 month62.72

Growth

EPS Change %, TTM over TTM19.32
Revenue growth rate, 5 year5.37
EPS growth rate, 5 year27.67
Revenue Change % - most recent quarter 1 year ago25.63
Growth rate% - dividend, 3 year11.20
Revenue/share (5 yr growth)2.36
Tangible Book Value, Total Equity, 5 Year CAGR8.82
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year Interim CAGR9.01
Capital Spending growth rate, 5 year35.42
Revenue Change %, TTM over TTM16.89
Growth rate% - Revenue, 3 year10.32
Book value per share growth rate, 5 year8.01
EPS Change % - most recent quarter 1 year ago28.21
Net Profit Margin growth rate, 5 year25.48
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR2.64
Total Debt, 5 Year CAGR4.47

Financial strength

Net Interest coverage - most recent fiscal year1.88
Free Cash Flow - most recent fiscal year−1,51,154.70
LT debt/equity - most recent fiscal year1.91
Payout ratio - trailing 12 month21.58
Current EV/Free Cash Flow, LFY78.12
Total debt/total equity - most recent fiscal year3.94
Net Interest coverage - trailing 12 month10.60
Payout ratio - most recent fiscal year23.04

Returns & efficiency

Return on average equity - 5 year average7.18
Net Income/employee - trailing 12 month7,74,320.30
Revenue/employee - most recent fiscal year45,88,114.00
Return on investment - most recent fiscal year4.03
Return on average assets - most recent fiscal year2.27
Receivables turnover - most recent fiscal year162.73
Revenue/employee - trailing 12 month45,81,637.00
Return on average assets - 5 year average1.43
Net Income/employee - most recent fiscal year7,66,587.90
Asset turnover - most recent fiscal year0.14
Return on average equity - most recent fiscal year11.13
Return on investment - 5 year average2.41

Price & volume

Market Cap70,202.93
52 week Low Date2 Apr 2026
Price - 1 Day % Change0.71
Relative (S&P500) price percent change - 13 week−0.90
Avg trading volume last 10 days7.11
Price - 13 week price percent change−5.02
Price - 52 week price percent change16.36
Avg Trading Volume Last 3 months131.72
Price - 5 Day % Change−9.21
Price % Change Month To Date−11.53
Relative (S&P500) price percent change - 04 week−5.52
52 week High Date7 Jul 2026
Price - 26 week price percent change12.86
PDATE25 Sep 2026
Price - YTD price percent change−10.11
Relative (S&P500) price percent change - 52 week27.80
NPRICE284.00
Relative (S&P500) price percent change - 26 week12.38
52 week Low234.90
52 week High338.60
Beta1.95
Relative (S&P500) price percent change - Year to Date3.66

Dividends & Corporate Events

Payouts to shareholders, splits and bonus issues, and company meetings — newest first.

Dividend per share₹ per share, by fiscal year
₹2.75
₹2.75
  • Dividend yield0.98%
  • Payout ratio23.15%
  • 5-year average dividend₹2.10 a share
  • Latest dividend₹2.75 per share · 22 May 2026

Corporate calendar

  • 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
Show 11 older events
  • MeetingAnnual General Meeting
  • 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₹70,391 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.

Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →

Frequently Asked Questions

L&T Finance (NSE: LTF) last traded at ₹280.85 on the NSE, down 1.11% (₹3.15) on the day, as of 28 Sep 2026. The day's range was ₹277.90 – ₹283.55.

L&T Finance's 52-week high is ₹338.50 (7 Jul 2026) and its 52-week low is ₹232.20 (2 Apr 2026). At ₹280.85 the share is 17.0% below its high and 21.0% above its low.

L&T Finance's market capitalisation is ₹70,391 Cr (₹70,391 Cr). It is part of the NIFTY 500 index.

L&T Finance's P/E ratio (trailing 12 months) is 22.12. The sector average is 22.34, so investors pay 1% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹12.67.

L&T Finance shares are up 18.85% over the last year, down 11.11% so far this year, up 11.60% over 6 months, down 6.07% over 3 months. Over the last year the stock did 27.80% better than the market.

In FY26 (year to Mar 2026), L&T Finance reported revenue of ₹17,853 Cr (up 13.29% on the year before) and a net profit of ₹2,981 Cr. Earnings per share were ₹11.88.

Yes. L&T Finance's latest dividend is ₹2.75 per share (28%, final dividend), with an ex-date of 22 May 2026. The dividend yield is 0.98%. It has paid 5 dividends in the records shown on this page.

As of Jun 2026: Promoter 65.96%, FII 7.71%, MF 11.56%, Other 14.77%. Promoter holding fell by 0.03 percentage points from Mar 2026.

L&T Finance's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.

No. L&T Finance has debt — its debt-to-equity ratio is 3.94 and total debt was ₹1,10,298 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business.