L&T Finance Limited
LTF · Capital Goods · NSE
₹260
Current Market Price
Fair Value (P/B + Residual Income)
₹254
Discount to FV
-2.6%
Updated just now
YieldIQ Score
43/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
25%
ROE
10.7%
Debt/Equity
3.94
Cost of Equity
10.9%
Market Cap
₹65,229 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
7.0%
Return on capital employed
Revenue CAGR (3Y)
9.1%
3-year revenue growth
Revenue CAGR (5Y)
-3.1%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹260.35
Bear case
Discount -46.6%
Base case
Discount -2.6%
Bull case
Discount +26.7%
Ratio Trends
LTF · last 7 annual periods
ROE
10.7%
ROCE
8.4%
Operating Margin
—
Debt / Equity
3.94×
PE
—
EV / EBITDA
—
Historical Financials
LTF · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹11.9K Cr | ₹6521 Cr | ₹7859 Cr | ₹9669 Cr | ₹10.6K Cr | -2.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹6977 Cr | ₹5241 Cr | ₹8406 Cr | — | — | +4.8% |
| PAT | ₹1049 Cr | ₹1623 Cr | ₹2320 Cr | ₹2644 Cr | ₹2981 Cr | +29.8% |
| EPS (diluted) | ₹3.51 | ₹-2.58 | ₹9.30 | — | — | +27.6% |
| CFO | ₹6078 Cr | ₹6718 Cr | ₹686 Cr | ₹-16.6K Cr | ₹-14.2K Cr | — |
| CapEx | ₹-77.5 Cr | ₹-128 Cr | ₹-119 Cr | ₹-195 Cr | ₹-239 Cr | — |
| FCF | ₹6001 Cr | ₹6590 Cr | ₹567 Cr | ₹-16.8K Cr | ₹-14.4K Cr | — |
| Total Assets | ₹106.9K Cr | ₹106.4K Cr | ₹102.7K Cr | ₹120.4K Cr | ₹142.2K Cr | +7.4% |
| Total Debt | ₹39.3K Cr | ₹83.1K Cr | ₹76.6K Cr | ₹92.4K Cr | ₹110.3K Cr | +29.4% |
| Shareholders' Equity | ₹19.9K Cr | ₹21.5K Cr | ₹23.4K Cr | ₹25.6K Cr | ₹28.0K Cr | +8.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
LTF vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 SBICARD SBICARD | — | — | Pending | 13.9% | — |
 HDBFS HDBFS | — | — | Pending | 12.3% | — |
 SUNDARMFIN SUNDARMFIN | — | — | Pending | 14.2% | — |
 RECLTD RECLTD | — | — | Pending | 20.3% | — |
 M&MFIN M&MFIN | — | — | Pending | 10.7% | 13.9× |
Click a ticker to view its fair-value analysis.
Dividend History
9 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹7.75/sh
Last payout
2025-05-27
₹2.75
Peak payout
₹2.75
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. L&T Finance Limited (LTF.NS) trades at 260.35 vs a model fair value of 253.65, a gap of -2.6%. Piotroski F-score: 4/9. Moat label: None. ...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of LTF →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for LTF →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse LTFNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.