ALFA Finder| Revenue growth | Total income grew 18% YoY driven by 21% retail book growth. |
|---|---|
| Margins | NIM plus fees improved to 10.41% due to treasury efficiencies. |
| Demand visibility | Strong rural and urban demand visibility, especially for retail products. |
| Management confidence | Balanced; highly confident in technology-led credit underwriting (Project Cyclops). |
Growth
Retail disbursements surged 49% YoY to ₹22,701 crore; retail book now comprises 98% of total assets.
Outlook
Targeting 2.8-3.0% ROA by Q4FY27 and a 60:40 secured-to-unsecured loan mix.
Risks
Unsecured loan concentration at 44% and potential credit cost volatility in the microfinance segment remain primary concerns.
Earnings Call filed with BSE, NSE: LTF. Summary written with AI assistance from the document.
L&T Finance Ltd: key numbers
- Share price
- ₹277.45
- Market cap
- ₹69,542 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 20.3×Sector 21.0×
- Promoter holding
- 65.93%-0.03% QoQ
- FII holding
- 7.38%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from L&T Finance Ltd
All →L&T Finance Debt & Borrowing: ₹0.79 Cr
L&T Finance Limited paid monthly interest of Rs.0.01 Crore and Rs.0.78 Crore on two 2019 public issue NCD series, due 13 November 2026. Both payments were made on the due date.
- Value
- ₹0.79 Cr
L&T Finance Debt & Borrowing
L&T Finance redeemed Series P FY2016-17 NCDs at maturity on 13 Nov 2026. The full redemption completes the company's debt servicing obligation for this series.
L&T Finance Debt & Borrowing: ₹4.1 Cr
L&T Finance paid Rs.4.10 Crore interest on its Series B FY 2018-19 NCDs on 2 November 2026. The payment came after the 31 October due date, with no reason for delay given.
- Value
- ₹4.10 Cr
L&T Finance Employee Stock Options
L&T Finance Holdings allotted 52,876 equity shares to employees exercising options under the 2013 ESOP scheme. No cash consideration or price per share is stated in the filing.
L&T Finance Promoter Reclassification
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L&T Finance Debt & Borrowing: ₹1.06 Cr
L&T Finance paid Rs 1.06 Crore interest on Series B debentures on 26 October 2026. Payment was one day after the 25 October due date.
- Value
- ₹1.06 Cr