L&T Finance Ltd
NSE: LTF BSE: 533519
₹275.65
(-0.83%)
Thu, 21 May 2026, 05:47 pm
Market Cap696.39B
PE Ratio23.20
Dividend0.99
Finance
Finance/Rental/Leasing
24.5KL&T Finance Analysis
dividend
- Dividends paid are thoroughly covered by earnings (8.5x coverage).
- Dividends after 3 years are expected to be thoroughly covered by earnings (8.7x coverage).
- L&T Finance Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Dividend payments have increased, but L&T Finance Holdings only paid a dividend in the past 7 years.
- Whilst dividend payments have been stable, L&T Finance Holdings has been paying a dividend for less than 10 years.
- L&T Finance Holdings's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- L&T Finance Holdings's earnings growth is expected to exceed the India market average.
- L&T Finance Holdings's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- L&T Finance Holdings's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- Performance (ROE) is expected to be above the current IN Diversified Financial industry average.
- An improvement in L&T Finance Holdings's performance (ROE) is expected over the next 3 years.
- L&T Finance Holdings's earnings are expected to grow by 19.4% yearly, however this is not considered high growth (20% yearly).
- L&T Finance Holdings's earnings are expected to decrease over the next year.
- L&T Finance Holdings's net income is expected to increase but not above the 50% threshold in 2 years time.
- L&T Finance Holdings is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- L&T Finance Holdings's revenue is expected to increase but not above the 50% threshold in 2 years time.
- L&T Finance Holdings's revenue is expected to grow by 5% yearly, however this is not considered high growth (20% yearly).
- L&T Finance Holdings's revenue growth is positive but not above the India market average.
health
- L&T Finance Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- L&T Finance Holdings is profitable, therefore cash runway is not a concern.
- L&T Finance Holdings is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.1x debt.
- L&T Finance Holdings's cash and other short term assets cover its long term commitments.
- Low level of unsold assets.
- Debt is not well covered by operating cash flow (2.3%, less than 20% of total debt).
- The level of debt compared to net worth has increased over the past 5 years (541.9% vs 629.6% today).
- L&T Finance Holdings's level of debt (629.6%) compared to net worth is high (greater than 40%).
management
- The tenure for the L&T Finance Holdings board of directors is about average.
- Dinanath's remuneration is about average for companies of similar size in India.
- Dinanath's compensation has been consistent with company performance over the past year, both up more than 20%.
- The tenure for the L&T Finance Holdings management team is about average.
misc
- L&T Finance Holdings has significant price volatility in the past 3 months.
past
- L&T Finance Holdings has delivered over 20% year on year earnings growth in the past 5 years.
- L&T Finance Holdings's 1-year earnings growth is negative, it can't be compared to the 5-year average.
- L&T Finance Holdings used its assets less efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
- L&T Finance Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- L&T Finance Holdings's 1-year earnings growth is negative, it can't be compared to the IN Diversified Financial industry average.
value
- L&T Finance Holdings is good value based on expected growth next year.
- L&T Finance Holdings is good value based on earnings compared to the IN Diversified Financial industry average.
- L&T Finance Holdings is good value based on earnings compared to the India market.
- L&T Finance Holdings's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- L&T Finance Holdings's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- L&T Finance Holdings is overvalued based on assets compared to the IN Diversified Financial industry average.
- L&TFH underperformed the Diversified Financial industry which returned -37.3% over the past year.
- L&TFH underperformed the Market in India which returned -14.5% over the past year.
- NSEI:L&TFH is up 6.8% underperforming the Diversified Financial industry which returned 10.8% over the past month.
- NSEI:L&TFH is up 6.8% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800