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L&T FINANCE
Intrinsic Value | Fundamental Analysis

BOM : 533519     NSE : LTF    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Jun 09,2025
Price(EOD): ₹ 192.90
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 48,174.85 Cr
Value of ₹ 1 Lac invested in L&T FINANCE
on Jun 09,2020 (price: ₹ 57.53)

₹ 1 L

₹ 3.35 L

1W : 11.3% 1M : 19.5% 1Y : 27%
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SUNDARAM FINANCE 2% 1.8% 15.9%

FUNDAMENTAL ANALYSIS OF L&T FINANCE

 
Fundamentals Score
[ Q(TTM): Mar2025, Y: Mar2025
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF L&T FINANCE

 
Valuation Score
[As on : Jun 09,2025 ]

Ratio Consolidated
P/E
P/B
P/S
18.22
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 2,643.42 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

1.89
P/B Calculated based on Book Value of Rs 25,454.40 Cr
[Latest Year - Mar2025 - Consolidated Results ]

3.03
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 15,924.20 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF L&T FINANCE

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
458%
-16%
59%

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SHARE PRICE MOMENTUM OF L&T FINANCE


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L&T FINANCE vs SENSEX


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DEBT OF L&T FINANCE

Year Debt/Equity ratio
Standalone Consolidated
2025
2024
2023
Avg_3yrs
3.66
3.32
3.92
3.63
3.62
3.28
3.88
3.59
[Last Annual Data : Mar2025]
Financial Ratios →

PLEDGED PROMOTER SHARES OF L&T FINANCE

Pledged Promoter Shares
0 %
As on : Mar2025

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF L&T FINANCE

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
-1.82%
0.84%
-2.23%
1.63%
9.61%
19.05%
16.07%
14.98%
QtrlyTrend
4
Latest Qtr: Mar2025
Quarterly Result Analysis →


L&T FINANCE related INDICES

BSE Indices1W1M1Y
BSE ALLCAP 6.4% 8.9% 7.5%
BSE MIDSMALLCAP 4.7% 9% 8.4%
BSE LARGEMIDCAP 4.5% 7.2% 8.3%
BSE 400 MIDSMALLCAP INDEX 3% 12.2% 8.2%
BSE 150 MIDCAP INDEX 2.9% 10.8% 7.9%
NSE Indices1W1M1Y
NIFTY MIDSMALL FINANCIAL SERVICES 6% 20% 38.4%
NIFTY FINANCIAL SERVICES EX-BANK 5.4% 14.1% 30.2%
NIFTY MIDCAP 100 3.3% 12.1% 11.9%
NIFTY MIDSMALLCAP 400 3.2% 13.1% 10%
NIFTY MIDCAP 150 3.1% 11.8% 10.2%

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FAQ about L&T FINANCE


Is L&T FINANCE good for long term investment?

As on Jun 09,2025, the Fundamentals of L&T FINANCE look Strong and hence it may be good for long term investment! See Financial Performance of L&T FINANCE . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is L&T FINANCE UnderValued or OverValued?

As on Jun 09,2025, L&T FINANCE is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of L&T FINANCE ?

As on Jun 09,2025, the Intrinsic Value of L&T FINANCE is Rs. 121.56 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 34.58
Fair Value [Median EV / Sales Model] : Rs. 229.68
Fair Value [Median Price / Sales Model] : Rs. 121.56
Estimated Median Fair Value of L&T FINANCE : Rs. 121.56

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is L&T FINANCE trading at a Premium or Discount?

As on Jun 09,2025, L&T FINANCE is trading at a Premium of 59% based on the estimates of Median Intrinsic Value!