| 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
- ₹284.00
- Market cap
- ₹71,180 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 22.4×Sector 22.0×
- 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