L&T Finance Ltd.
NSE: LTFL&T Finance Ltd.: A 30-second snapshot
L&T Finance trades at ₹312.5, up 36.96% over the past year and 21.64% over the past three months, sitting 7.71% below its 52-week high and currently below its 50-DMA (₹315.07) while remaining above its 200-DMA (₹291.95). The NBFC carries a debt-to-equity ratio of roughly 3.93x (393.44% as reported, percent-scaled in the source data), a leverage level structural to lending businesses, alongside 5-year revenue growth of 29.3% and earnings growth of 28.2%. Mean analyst rating is 2.05 across 21 analysts on a 1-5 scale where lower is more constructive.
P/E
24.4
Forward P/E
15.8
ROE
—
Debt / Equity
393.44
Profit Margin
+33.1%
Div. Yield
+0.9%
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
66/100
News
4 headlines · 1 positive · 0 negative
NBFC സെക്ടരിലെ പുതിയ വളർച്ച ചക്രത്തിന്റെ സൂചന: Motilal Oswal L&T Finance-നും PNB Housing-നും പണയിട്ടിരിക്കുന്നു - Whalesbook
Whalesbook
L&T Finance Gains 2.84% to ₹315: Stock Approaches Key Resistance Zone - Beta Neutral Pair - siam.in
siam.in
L&T Finance launches Gold Loan campaign featuring Jasprit Bumrah - MediaBrief
MediaBrief
L&T Finance Unveils Gold Loan Campaign Featuring Brand Ambassador Jasprit Bumrah - theprint.in
theprint.in
Recent context
- ·News flow over the sample window is thin (4 articles: 1 positive, 3 neutral, 0 negative), covering a gold-loan marketing campaign and price movement toward technical resistance
- ·A September 1 item referenced a broader NBFC-sector growth-cycle narrative naming L&T Finance alongside PNB Housing
- ·Mid-August coverage noted a 2.84% single-session gain to ₹315 as price approached a resistance zone
Strengths
- +Revenue grew 29.3% and earnings grew 28.2% over the trailing 5-year window
- +Profit margin of 33.08%, with a forward PE of 15.78 against a trailing PE of 24.35
- +Price up 36.96% over 12 months and 21.64% over the past 3 months, trading above its 200-DMA (₹291.95)
- +Quality score of 57, ranking 3rd of 6 names in the tracked peer set on that metric
Weaknesses
- −ROE has not exceeded 15% in any of the tracked years (roeYearsAbove15 = 0), with an overall consistency score of 45/100
- −Free cash flow was positive in only 2 of the tracked years, alongside a debt-to-equity ratio of roughly 3.93x classified with a rising trend
- −Current-period ROE figure is unavailable (null) in both the fundamental dataset and LTF's own row in the sector peer ranking table
- −Price trades below its 50-DMA (₹315.07) despite remaining above the 200-DMA (₹291.95), and sits 7.71% below its 52-week high
Open questions
- ?Does the combination of 29%+ revenue and earnings growth with ROE never clearing 15% in any tracked year reflect a balance sheet still scaling toward mature returns, or a structurally lower-return lending mix?
- ?What is driving the rising debt-to-equity trend, and how does it compare with funding-cost and asset-quality disclosures in recent filings?
- ?How does the heterogeneous peer set (banks, an insurer, and NBFC peers) affect how LTF's PE and quality-score rankings shown here should be read?
- ?What would need to change in free-cash-flow generation, positive in only 2 of the tracked years, for cash generation to track reported earnings growth more closely?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| LTF | L&T Finance Ltd.You're viewing | 24.4 | — | 57 |
| Industry avg | across 5 peers | 30.1 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 14.0 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.4 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 32.4 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 30.7 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.2 | +10.8% | 33 |
Technical state
Current price
₹312.50
SMA 50
₹315.07
SMA 200
₹291.95
RSI (14)
48.3 (neutral)
From 52w high
-7.7%
1Y return
+37.0%
3M return
+21.6%
50-DMA
Below
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE has not exceeded 15% in any tracked year (roeYearsAbove15 = 0) and the consistency score is 45/100, while free cash flow was positive in only 2 of the tracked years. Debt-to-equity is approximately 3.93x (393.44% as reported, percent-scaled), which is structurally normal for an NBFC lending model, but the debt trend is classified as rising and combined with a 0/5 ROE-above-15% record, returns have not clearly scaled alongside the growing balance sheet.
- lowPoint-in-time ROE (keyMetrics.roe) is null in the fundamental dataset, and LTF's own row in the sector ranking table also shows ROE as null, so no current-period ROE figure is available despite persistence metrics referencing ROE thresholds.
- lowThe peer set used for sector comparison mixes two banks (AXISBANK, HDFCBANK), two NBFCs (BAJFINANCE, BAJAJFINSV) and one insurer (HDFCLIFE) under a single 'Banking' sector tag, with only 6 names total. This heterogeneity limits how directly LTF's PE (rank 3 of 6) and quality-score (rank 3 of 6) comparisons can be read against true NBFC peers.
- lowNews sample is thin at 4 articles (1 positive, 3 neutral, 0 negative) over the tracked window, limiting how representative the neutral sentiment label is of broader coverage.
Cross-section contradictions
- 5-year revenue growth of 29.3% and earnings growth of 28.2% have not been matched by ROE clearing 15% in any tracked year (roeYearsAbove15 = 0), and free cash flow was positive in only 2 of the tracked years -- rapid top-line and earnings compounding has not shown up equally in return-on-equity or cash-generation persistence.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 10 Sept 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 8 Sept 2026 · rotates through NIFTY 500 every ~5 days