L&T Finance Limited
L&T Finance Limited operates in Non Banking Financial Company (NBFC), part of the Financial Services sector. It booked ₹5,484 cr of revenue in its latest quarter (Q2 FY27) and kept 17.8% of sales as profit. It is the 6th largest of 9 Non Banking Financial Company (NBFC) companies we track, by market value.
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 56% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 105–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 43
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in LTF?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-03.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹5,484 cr |
| Other Income | ₹0 cr |
| Total Income | ₹5,484 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹737 cr |
| Finance Costs | ₹1,970 cr |
| Depreciation & Amortisation | ₹72 cr |
| Other Expenses | ₹559 cr |
| Total Expenses | ₹4,165 cr |
| Profit before Tax | ₹1,319 cr |
| Tax Expense | ₹346 cr |
| Net Profit | ₹973 cr |
| Net margin on total income | 17.7% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 4,771 cr | 5,243 cr | 5,484 cr |
| Total income | 4,771 cr | 5,243 cr | 5,484 cr |
| Expenses | 3,697 cr | 4,007 cr | 4,165 cr |
| Profit before tax | 1,074 cr | 1,236 cr | 1,319 cr |
| Tax | 265 cr | 320 cr | 346 cr |
| Net profit (owners' share) | 850 cr | 902 cr | 975 cr |
| Net margin (owners' share, on revenue) | 17.8% | 17.2% | 17.8% |
| EPS (₹) | 3.22 | 3.60 | 3.89 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| Bajaj Finance Limited | ₹970 | ₹6.04 L cr | 24.1 | 20.3% | 25.5% | — |
| Shriram Finance Limited | ₹885 | ₹2.08 L cr | 14.1 | 13.2% | 26.7% | — |
| Cholamandalam Investment and Finance Company Limited | ₹1,650 | ₹1.42 L cr | 21.6 | 20.4% | 18.8% | — |
| Tata Capital Limited | ₹334 | ₹1.41 L cr | 21.3 | 13.6% | 17.8% | — |
| Muthoot Finance Limited | ₹2,528 | ₹1.01 L cr | 7.8 | 29.6% | 32.5% | — |
| L&T Finance Limitedthis company | ₹253 | ₹63,315 cr | 16.2 | 13.3% | 17.8% | — |
| SBI Cards and Payment Services Limited | ₹537 | ₹51,108 cr | 16.4 | 18.1% | 15.1% | — |
| Piramal Finance Limited | ₹1,913 | ₹45,243 cr | 20.2 | 7.0% | 14.7% | — |
| Authum Investment & Infrastructure Limited | ₹528 | ₹44,800 cr | 10.1 | 70.4% | 176.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹2.75 / share | 22 May 2026 |
| Dividend | ₹2.75 / share | 27 May 2025 |
| Dividend | ₹2.5 / share | 18 Jun 2024 |
| Dividend | ₹2 / share | 21 Jul 2023 |
| Dividend | ₹0.5 / share | 1 Jul 2022 |
| Rights issue | 74:17 | 21 Jan 2021 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.