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

Investors are expected to be cautious with L&T Finance Limited, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 13.736727
debtToEquity 348.876000
earningsGrowth -0.027000
revenueGrowth -0.045000
grossMargins 0.992050
operatingMargins 0.455970
trailingEps 10.240000
forwardEps 14.070000

L&T Finance Limited's Forward PE ratio suggests that the stock is priced appropriately in relation to its earnings. Not being overpriced, it offers room for growth, signaling potential upside for investors looking for a stock with reasonable valuation and growth potential.
L&T Finance Limited's elevated debt-to-equity ratio reflects substantial leverage, meaning the company relies heavily on borrowed funds. This could increase financial risk, particularly in times of economic uncertainty or if the company's profitability declines.
LTF's low earnings and revenue growth point to a likely decrease in profits. This suggests that the company is facing financial difficulties and may struggle to maintain its current level of profitability.
LTF's positive gross and operating margins suggest the company is performing profitably. These margins reflect efficient cost management and strong revenue generation, signaling healthy financial performance and operational effectiveness.
LTF's forward EPS exceeding its trailing EPS implies that the company is projected to be more profitable this year. This suggests an improvement in financial performance, with analysts expecting LTF to generate stronger earnings compared to the previous financial year.

Price projections:

Price projections for LTF
Price projections for LTF

L&T Finance Limited's price projections have been revised downward gradually, indicating that analysts are tempering their expectations. This downward shift suggests a more cautious outlook on the company's growth prospects.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


With analysts showing a buy bias for LTF, investors may be more inclined to see the stock as an attractive investment. The favorable outlook could spur increased interest, positioning LTF as a safe and profitable place for investors to allocate their funds and seek growth.