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

Revenues for LTF are forecasted to decline from last year's levels, prompting caution among investors. When revenues fall, it can have a significant negative impact on the company's bottom line, reducing profitability and making the stock less attractive to risk-averse investors.

Financial Ratios:

currentRatio 59.335000
forwardPE 19.510798
debtToEquity 370.750000
earningsGrowth 0.054000
revenueGrowth 0.099000
grossMargins 0.991000
operatingMargins 0.450310
trailingEps 10.770000
forwardEps 14.070000

LTF's current ratio, being 59.335, means the company is well-positioned to meet its short-term debt obligations. This reflects LTF's strong liquidity, as its cash reserves and current assets provide more than enough coverage for its immediate liabilities.
LTF's Forward PE being in a good range suggests that its stock price is aligned well with earnings. The stock is not considered overpriced, offering room for future growth, which makes it an appealing investment opportunity with the potential for value appreciation.
LTF's high debt-to-equity ratio reveals that the company is heavily reliant on debt for financing. This high level of leverage increases the risk of financial strain if profits decline or interest rates rise.
LTF's positive gross and operating margins suggest that the company is operating profitably. These strong margins indicate effective cost management and revenue generation, contributing to a solid financial foundation.
LTF's forward EPS exceeding its trailing EPS means that the company is expected to increase profitability in the current financial year. This reflects improved earnings potential, signaling that LTF is likely to outperform its previous year's financial performance.

Price projections:

Price projections for LTF
Price projections for LTF

The steady upward revision of LTF's price projections indicates growing confidence in the company's performance. Analysts are becoming increasingly optimistic about LTF's future prospects and potential for growth.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


The analysts' recent buy bias for LTF indicates strong confidence in the stock's future performance. This could encourage more investors to view LTF as a worthwhile investment, positioning the company as a top choice for those seeking financial security and long-term growth opportunities.