Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

L&T Finance Limited, a non-banking financial company, engages in the provision of various financial products and services in India. It offers farmer finance services, that includes farm equipment finance; rural business finance services, such as agri allied, micro finance, and rural group loans; urban finance services, that includes two-wheeler finance, consumer loans, home loans, and loans against property; SME loans; and real estate finance and infrastructure finance services. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.

Revenue projections:

Revenue projections for LTF
Revenue projections for LTF

LTF is projected to see a decline in revenue compared to last year, which could lead to investor caution. A drop in earnings is often viewed as a negative signal for profitability, making it more difficult for the company to maintain investor confidence in its financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 16.749289
debtToEquity 360.392000
earningsGrowth 0.033000
revenueGrowth 0.019000
grossMargins 0.990770
operatingMargins 0.453130
trailingEps 10.630000
forwardEps 14.070000

L&T Finance Limited's Forward PE is at a healthy level, indicating that the stock price is well-positioned relative to its earnings. With the stock not being overvalued, there remains room for future growth, suggesting a balanced opportunity for investors seeking potential upside.
LTF's elevated debt-to-equity ratio suggests the company is highly leveraged, meaning it has significant debt compared to equity. This can be risky, particularly if LTF's cash flow or profits decrease, making it harder to meet debt obligations.
LTF's positive gross and operating margins suggest strong profitability. These margins reflect effective cost management and revenue generation, indicating that the company is efficiently managing its operations and maintaining financial health.
LTF's forward EPS surpasses its trailing EPS, indicating that the company is expected to be more profitable in the current financial year. This reflects growing confidence in LTF's earnings potential, suggesting stronger financial performance compared to the previous year.

Price projections:

Price projections for LTF
Price projections for LTF

Price projections for L&T Finance Limited have been revised upward over time, signaling increasing optimism about the company's future. This steady increase reflects a positive outlook for L&T Finance Limited's growth and market performance.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


Analysts have shown a buy bias for L&T Finance Limited, marking it as a favorable investment option. This could inspire investors to see L&T Finance Limited as a strong place to park their money, given the positive outlook and growth potential associated with the stock in recent evaluations.