| Management target | Revenue 20.0% FY31 |
|---|
| Revenue growth | Consolidated book grew 28% YoY; retail disbursements up 27%. |
|---|---|
| Margins | NIMs stable at 10.48% due to astute liability management. |
| Demand visibility | Strong urban demand; rural demand resilient despite patchy monsoon trends. |
| Management confidence | High; emphasizing 'Lakshya 2031' strategic execution and technology DNA. |
Growth
Retail book grew 29% YoY, driven by personal loans (+72%) and gold loans (+142%) through rapid branch expansion.
Outlook
Targets 20%+ book CAGR through 2031; aims for 2.8-3.0% ROA exit rate by Q4 FY27.
Risks
Drought in Southern India may hit rural cash flows; upcoming IRDAI insurance commission caps threaten fee income.
Earnings Call Transcript filed with NSE, NSE: LTF. Summary written with AI assistance from the document.
L&T Finance Ltd: key numbers
- Share price
- ₹246.50
- Market cap
- ₹61,783 Cr
- Revenue (annual)
- ₹17,914 Cr
- Net profit (annual)
- ₹2,981 Cr
- P/E (TTM)
- 18.1×Sector 19.7×
- 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.
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