ALFA Finder| Revenue growth | Total income grew 26% YoY in Q4FY26. |
|---|---|
| Margins | NIMs+Fees improved to 10.47% in Q4; guided range 10-10.5%. |
| Order book | Consolidated book size reached ₹1,21,728 Cr in FY26. |
| Demand visibility | Strong domestic demand in urban and rural sectors; resilient economic activity. |
| Management confidence | High; confident in achieving 20%+ growth despite geopolitical headwinds. |
Growth
FY26 Retail book grew 26% YoY to ₹1,19,508 Cr; quarterly retail disbursements hit record ₹24,107 Cr (up 62% YoY).
Outlook
Lakshya 2031 targets 20%+ book CAGR, RoA of 3.0-3.2%, and RoE of 16-18%. FY27 AUM growth guided at 20%+.
Risks
Geopolitical tensions in West Asia, energy shocks, potential fertilizer supply disruptions affecting rural yields, and El Niño impacts.
Earnings Call filed with NSE, NSE: LTF. Summary written with AI assistance from the document.
L&T Finance Ltd: key numbers
- Share price
- ₹271.25
- Market cap
- ₹67,988 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 19.9×Sector 20.8×
- 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: ₹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
L&T Finance received no-objection from BSE and NSE for reclassifying Nabha Power Ltd from Promoter Group to Public. No monetary value is associated with this regulatory reclassification.
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
L&T Finance Debt & Borrowing: ₹1,500 Cr
L&T Finance Ltd has allotted Non-Convertible Debentures (NCDs) worth Rs. 1,500 Crore on a private placement basis. These debentures are senior, secured, and redeemable.
- Value
- ₹1,500 Cr
L&T Finance Debt & Borrowing: ₹10.55 Cr
L&T Finance paid ₹10.55 Cr interest across five STRPP Series C tranches on the due date. All payments were made 21 October 2026 without any delay.
- Value
- ₹10.55 Cr