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

The projected decline in LTF's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 0.000000
forwardPE 13.096041
debtToEquity 360.392000
earningsGrowth 0.033000
revenueGrowth 0.019000
grossMargins 0.990770
operatingMargins 0.453130
trailingEps 10.620000
forwardEps 14.070000

L&T Finance Limited's Forward PE is within a good range, showing that the stock price compares well to its earnings. This suggests it isn't overpriced and leaves room for growth, making the stock appealing to investors looking for value and growth opportunities.
LTF's high debt-to-equity ratio indicates a strong reliance on debt, meaning the company is heavily leveraged. This could increase financial risks if cash flow or earnings decline, making it more difficult for LTF to manage its debt obligations.
Positive gross and operating margins for LTF highlight the company's profitability. These metrics reflect LTF's efficiency in controlling costs while generating strong revenue from its core operations, signaling robust financial health.
L&T Finance Limited's forward EPS being higher than its trailing EPS suggests that the company is expected to generate stronger profits this year. This points to improving financial performance, with L&T Finance Limited anticipated to deliver better earnings than it did in the prior year.

Price projections:

Price projections for LTF
Price projections for LTF

Over time, LTF's price projections have been revised higher, signaling growing confidence in the company's future. This upward trend suggests analysts anticipate strong performance and increased market value for LTF.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


Analysts have shown a buy bias for LTF, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to LTF, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.