L

L&T Finance
LTF

Last Price

Financial Snapshot

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Market Data

Market Cap
₹706.94B
EV
-
Shares Outstanding
2.48B
Beta
0.57
Industry
Financial - Credit Services

Wall Street View

Analyst Rating
OUTPERFORM
Analyst Target Price
Number of Analysts
19
P/E 2026E
23.66x
P/B 2026E
2.55x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2026E
60.19%
Net Profit Margin 2026E
26.51%
ROE 2026E
11.27%
ROA 2026E
2.32%

Dividends

DPS 2026E
₹3.03
Payout Ratio 2026E
25.15%
Div. Yield 2026E
1.06%
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

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About L&T Finance Limited

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L

L&T Finance Limited

LTF

L&T Finance Limited, a non-banking financial company, provides various financial products and services in India. It offers housing loans; personal loans for medical emergency, home renovation, wedding, vacation, education, and debt consolidation; two-wheeler loans; bu...

Sector

Financial Services

Industry

Financial - Credit Services

CEO

Roy, Sudipta

Employees

36,521

IPO Date

2011-08-12

Headquarters

Brindavan, Plot No. 177, CST Road, Kalina, Santacruz (East), Mumbai, Maharashtra, 400098, India

📊 Stock Price & Performance

The current price of L&T Finance (LTF) is ₹287.20, reflecting a +0.74% change compared to the previous close. Last updated: February 15, 2026 at 11:22 PM Eastern Time

Review of Recent LTF Stock Performance trends:Past 1 Month: L&T Finance (LTF) shares changed by -3.90%.Past 3 Months: The stock recorded a change of -3.16%.Past 6 Months: LTF shares posted a change of +35.35%. Last updated: February 15, 2026 at 5:39 PM Eastern Time

Over the last year, L&T Finance (LTF) has established a 52-week price range between a high of ₹329.45 and a low of ₹131.05. This metric is essential for assessing the stock's annual volatility. Last updated: February 15, 2026 at 5:39 PM Eastern Time

L&T Finance (LTF) is considered a low volatility stock. It has a beta of 0.57, which means it typically moves 0.57 times as much as the broader market. Over the past 52 weeks, LTF has traded within a ₹131.05 – ₹329.45 range. Last updated: February 15, 2026 at 5:39 PM Eastern Time

Based on current LTF analyst forecasts, the consensus price target for L&T Finance (LTF) is ₹305.26 for 2027. Relative to the current price of ₹287.20, this implies a positive upside of +7.07%. Price targets reflect forward-looking estimates based on information available at the time and are inherently subject to change as underlying assumptions, company fundamentals, or market conditions evolve. Last updated: February 15, 2026 at 11:22 PM Eastern Time

A ₹1,000 investment in L&T Finance 5 years ago, when the stock was trading around ₹99.20, would be worth approximately ₹2895.16 today, based solely on share price performance (excluding dividends). This represents a total return of 189.52% over the period, equivalent to a compound annual growth rate (CAGR) of 23.69%. Past performance reflects historical price movements only and does not imply future results. Last updated: February 15, 2026 at 5:39 PM Eastern Time

💰 Financial Metrics & Reports

The current L&T Finance (LTF) market capitalization is approximately ₹706.94B, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, L&T Finance's market cap fluctuates with changes in its share price and share count. Last updated: February 15, 2026 at 5:39 PM Eastern Time

In the most recently reported quarter, L&T Finance (LTF) generated ₹29.20B in revenue, representing a +15.15% year over year change. For the next quarter, analyst consensus currently expects revenue of approximately ₹30.70B, implying an expected +26.48% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: February 15, 2026 at 4:56 AM Eastern Time

In the most recently reported fiscal year, L&T Finance (LTF) generated net income of ₹26.44B, compared with ₹23.20B in the prior fiscal year, representing a +13.95% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of ₹30.02B. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: February 15, 2026 at 4:56 AM Eastern Time

Based on the latest available data, L&T Finance (LTF) is currently trading at a last twelve months (LTM) P/E ratio of 25.62x. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: February 15, 2026 at 11:22 PM Eastern Time

📅 Earnings & Dividends

L&T Finance (LTF) is currently scheduled to report its next earnings results on April 22, 2026. Earnings dates are subject to change and may be updated by the company with limited notice. Investors typically monitor upcoming earnings releases closely, as they can result in increased volatility depending on reported results, forward guidance, and management commentary. Last updated: February 15, 2026 at 5:39 PM Eastern Time

In the most recently reported quarter, L&T Finance (LTF) revenue was ₹29.20B, compared with analyst consensus expectations of ₹28.18B, representing a +3.60% revenue surprise versus expectations. Earnings per share (EPS) for the quarter were ₹2.94, compared with consensus estimates of ₹3.13, resulting in an -6.07% EPS surprise. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: 👉 Estimates vs. Actuals Last updated: February 15, 2026 at 4:56 AM Eastern Time

L&T Finance (LTF) has paid dividends over the last twelve months (LTM), totaling ₹2.75 per share. Based on current analyst expectations, dividends over the next twelve months (NTM) are estimated at ₹5.97 per share , implying a forward dividend yield of +2.08% at the current share price. Dividend payments are subject to board approval and may change depending on profitability, cash flow, capital allocation priorities, and broader market conditions. Last updated: February 15, 2026 at 4:56 AM Eastern Time

📈 Analyst Information

Analyst assessments of whether L&T Finance (LTF) consensus price target is overvalued or undervalued are generally expressed relative to consensus valuation frameworks and price targets, rather than as an absolute judgment.Current share price: ₹287.20Consensus price target: ₹305.26Implied return: +7.07% An implied return above current levels indicates that, on average, analysts view the stock as trading below their estimated fair value. Conversely, an implied return below current levels suggests the stock may be fully valued or priced above consensus expectations. This content is for informational purposes only and does not constitute investment advice. Last updated: February 15, 2026 at 11:22 PM Eastern Time

Based on the latest available analyst coverage, L&T Finance (LTF) currently carries a Outperform consensus rating. Analysts' average LTF price target is ₹305.26. Relative to the current share price of ₹287.20, this suggests a potential price change of approximately +7.07%. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: February 15, 2026 at 11:22 PM Eastern Time

Like other publicly traded stocks, L&T Finance (LTF) shares are bought and sold on stock exchanges such as NSEI and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for L&T Finance (LTF) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ℹ️ Company Information

At the top right of this page, you'll see a star icon labeled Add to watchlist. Click it to add LTF to your watchlist.

L&T Finance trades under the ticker symbol LTF on the NSEI stock exchange. The ticker LTF is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, L&T Finance (LTF) employs approximately 36,521 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: February 15, 2026 at 5:39 PM Eastern Time

L&T Finance (LTF) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest L&T Finance (LTF) stock peers based on overlapping products, services, and competitive dynamics:Cholamandalam Investment and Finance (511243)Mahindra & Mahindra Financial Services (M&MFIN)Shriram Finance (511218)Bajaj Finance (BAJFINANCE)Tata Capital (TATACAP)LIC Housing Finance (LICHSGFIN)Sundaram Finance (SUNDARMFIN)HDB Financial Services (HDBFS)CreditAccess Grameen (CREDITACC)SBI Cards and Payment Services (SBICARD) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to L&T Finance.

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Market data is sourced from S&P Global Market Intelligence. All insights and analysis are developed by Gainify. Copyright © 2026, S&P Global Market Intelligence. All rights reserved.

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