L&T Finance Limited
LTF · Capital Goods · NSE
₹280
Current Market Price
Fair Value (DCF)
₹423
Margin of Safety
+51.2%
Updated just now
YieldIQ Score
55/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
11%
ROE
10.3%
Debt/Equity
0.00
WACC
10.6%
Market Cap
₹0.70 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
170.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
0.3×
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.08×
Revenue per ₹ of assets
Revenue CAGR (3Y)
46.9%
3-year revenue growth
Revenue CAGR (5Y)
-5.7%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹279.7
Bear case
₹269.72
MoS -3.7%
Base case
₹422.92
MoS +33.9%
Bull case
₹539.44
MoS +48.1%
Ratio Trends
LTF · last 6 annual periods
ROE
10.3%
ROCE
3.0%
Operating Margin
—
Debt / Equity
3.60×
PE
—
EV / EBITDA
—
Historical Financials
LTF · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹13.7K Cr | ₹11.9K Cr | ₹3216 Cr | ₹3670 Cr | ₹9669 Cr | -8.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹8695 Cr | ₹6977 Cr | ₹2107 Cr | ₹2018 Cr | — | -30.6% |
| PAT | ₹949 Cr | ₹1049 Cr | ₹417 Cr | ₹545 Cr | ₹2644 Cr | +29.2% |
| EPS (diluted) | ₹4.47 | ₹3.51 | ₹2.02 | ₹2.18 | — | -16.4% |
| CFO | ₹5464 Cr | ₹6078 Cr | ₹7490 Cr | ₹637 Cr | ₹-16.6K Cr | — |
| CapEx | — | — | — | — | ₹-195 Cr | — |
| FCF | — | — | — | — | ₹-16.8K Cr | — |
| Total Assets | — | ₹106.9K Cr | ₹106.4K Cr | ₹102.4K Cr | ₹120.4K Cr | +3.0% |
| Total Debt | ₹37.6K Cr | ₹39.3K Cr | ₹44.1K Cr | ₹44.4K Cr | ₹92.4K Cr | +25.2% |
| Shareholders' Equity | — | — | ₹21.6K Cr | ₹23.2K Cr | ₹25.6K Cr | +4.3% |
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 | 13.8% | — |
| SUNDARMFIN SUNDARMFIN | — | — | Pending | 14.2% | — |
| RECLTD REC Limited | -100.0% | 20 | Data Limited | 20.3% | — |
| M&MFIN M&MFIN | — | — | Pending | 10.5% | — |
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
0.98%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of LTF →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for LTF →
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Head-to-head with peers
Compare LTF side by side →
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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.