ALFA Finder| Management target | Revenue 20.0% FY31 |
|---|
| Margins | NIMs + Fees stable at 10.47%; Opex improved to 4.03%. |
|---|---|
| Order book | Book size ₹1,29,634 Cr (+27% YoY). |
| Demand visibility | Strong retail disbursement growth across Urban, Farmer, and SME segments. |
| Management confidence | High; accelerating growth agenda under Lakshya 2031. |
Growth
Retail book grew 27% YoY to ₹1,29,634 Cr; disbursements increased 36% YoY to ₹23,852 Cr.
Outlook
Lakshya 2031 targets 20%+ book growth, RoA of 3.0-3.2%, and RoE of 16-18%.
Risks
Credit costs at 2.54% and RoE at 12.71% remain 'Work In Progress' against ambitious 2031 targets.
Last quarter's promises, checked
Delivered
- Guided Retailization >95% → delivered 98% (= BEAT)
- Guided Retail book growth 25% CAGR → delivered 28% (= BEAT)
- Guided GS3 <3% and NS3 <1% → delivered 2.88% and 0.96% (= BEAT)
Partly delivered
- Guided Credit Cost 2.0-2.2% by Q4FY27 → delivered 2.64% (= PARTIAL)
Missed
- Guided RoA 2.8-3.0% → delivered 2.4% (= MISS)
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
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- Value
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- Value
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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
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- Value
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