| 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
- ₹280.85
- Market cap
- ₹70,391 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 22.1×Sector 21.7×
- Promoter holding
- 65.96%-0.03% QoQ
- FII holding
- 7.71%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 Credit Rating
L&T Finance Ltd received a reaffirmation of its credit ratings from CARE Ratings Limited. The company's various debt instruments continue to hold high ratings with stable outlooks.
L&T Finance Debt & Borrowing: ₹29.71 Cr
L&T Finance paid Rs. 29.71 Crore half-yearly interest on Series A FY 2019-20 bonds on 24 September 2026. The coupon was disbursed on schedule with no delay.
- Value
- ₹29.71 Cr
L&T Finance Other Announcement
L&T Finance has received an ESG rating of 79.15 (Leader category) from Niche Ninety Nine Capability and Certifications (OPC) Private Limited.
L&T Finance Debt & Borrowing: ₹650 Cr
L&T Finance allotted 65,000 senior, secured, non-convertible debentures worth ₹650 Crore on a private placement basis. These instruments carry a coupon of 7.8384% per annum.
- Value
- ₹650.0 Cr
L&T Finance Debt & Borrowing: ₹0.91 Cr
L&T Finance confirmed timely interest payments for four non-convertible debt securities. The company remains compliant with SEBI regulations regarding debt payment obligations.
- Value
- ₹0.91 Cr
L&T Finance Debt & Borrowing: ₹11.49 Cr
L&T Finance Limited has paid ₹11.49 Crore in interest to its debenture holders for Series J, confirming timely completion of the debt obligation.
- Value
- ₹11.49 Cr