L&T Finance Limited

L&T Finance Limited (LTF) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

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Key metrics

Price as of 2026-09-04

Stock price
₹314.00
Market cap
78,715 Cr
Stock P/E
24.6
P/B
2.96
Dividend yield
0.9%

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income1,844 Cr1,953 Cr1,988 Cr2,101 Cr2,178 Cr2,237 Cr2,150 Cr2,279 Cr2,403 Cr2,537 Cr2,677 Cr2,925 Cr
Other income268 Cr47 Cr6 Cr0 Cr5 Cr8 Cr4 Cr0.03 Cr0.04 Cr3 Cr0.07 Cr0 Cr
Net operating income2,112 Cr2,000 Cr1,993 Cr2,101 Cr2,183 Cr2,245 Cr2,154 Cr2,279 Cr2,403 Cr2,540 Cr2,677 Cr2,925 Cr
Employee cost449 Cr451 Cr501 Cr519 Cr549 Cr579 Cr569 Cr552 Cr593 Cr650 Cr660 Cr698 Cr
Other expenses383 Cr410 Cr452 Cr418 Cr376 Cr442 Cr393 Cr456 Cr424 Cr399 Cr481 Cr506 Cr
Provisions & contingencies————————————
Depreciation28 Cr29 Cr28 Cr28 Cr33 Cr36 Cr41 Cr41 Cr51 Cr58 Cr60 Cr63 Cr
Profit before tax797 Cr824 Cr694 Cr922 Cr940 Cr824 Cr806 Cr943 Cr989 Cr992 Cr1,074 Cr1,236 Cr
Tax %25.5%22.4%20.3%25.7%25.9%24.1%21.1%25.7%25.7%25.6%24.7%25.9%
Net profit594 Cr639 Cr553 Cr685 Cr697 Cr626 Cr636 Cr701 Cr735 Cr738 Cr809 Cr916 Cr
EPS (₹)₹2.40₹2.57₹2.23₹2.75₹2.79₹2.51₹2.55₹2.81₹2.94₹2.95₹3.22₹3.60

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income4,778 Cr5,731 Cr5,905 Cr5,950 Cr6,768 Cr7,537 Cr8,667 Cr9,896 CrSign in for TTM
Other income312 Cr373 Cr402 Cr394 Cr527 Cr475 Cr17 Cr3 CrSign in for TTM
Net operating income5,090 Cr6,104 Cr6,307 Cr6,344 Cr7,295 Cr8,011 Cr8,683 Cr9,899 CrSign in for TTM
Employee cost825 Cr1,062 Cr1,007 Cr1,095 Cr1,406 Cr1,806 Cr2,217 Cr2,455 CrSign in for TTM
Other expenses721 Cr817 Cr879 Cr1,065 Cr1,316 Cr1,587 Cr1,629 Cr1,760 CrSign in for TTM
Provisions & contingencies————————Sign in for TTM
Depreciation50 Cr82 Cr87 Cr103 Cr111 Cr115 Cr139 Cr210 CrSign in for TTM
Profit before tax3,052 Cr2,680 Cr1,495 Cr1,475 Cr2,183 Cr3,029 Cr3,491 Cr3,998 CrSign in for TTM
Tax %26.9%36.6%36.5%25.3%7.9%23.5%24.3%25.4%Sign in for TTM
Net profit2,232 Cr1,700 Cr949 Cr1,049 Cr1,536 Cr2,317 Cr2,643 Cr2,983 CrSign in for TTM
EPS (₹)₹11.15₹8.50₹4.49₹4.33₹6.56₹9.34₹10.61₹11.92Sign in for TTM
Dividend payout %———0.0%8.1%21.4%23.5%23.0%Sign in for TTM
Sign in for TTM

Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital1,999 Cr2,005 Cr2,469 Cr2,474 Cr2,480 Cr2,489 Cr2,495 Cr2,504 Cr
Reserves11,450 Cr12,688 Cr16,304 Cr—19,049 Cr20,950 Cr23,069 Cr25,479 Cr
Borrowings91,507 Cr93,894 Cr88,556 Cr85,201 Cr83,043 Cr76,541 Cr92,247 Cr1,09,888 Cr
Other liabilities877 Cr942 Cr1,643 Cr19,227 Cr1,701 Cr2,649 Cr2,531 Cr4,284 Cr
Total liabilities1,06,055 Cr1,09,529 Cr1,08,972 Cr1,06,902 Cr1,06,362 Cr1,02,718 Cr1,20,409 Cr1,42,205 Cr
Fixed assets (net)68 Cr———57 Cr355 Cr397 Cr462 Cr
CWIP0 Cr———5 Cr0 Cr0 Cr62 Cr
Investments9,008 Cr5,979 Cr8,872 Cr11,917 Cr14,678 Cr12,385 Cr11,876 Cr10,564 Cr
Loans & advances91,325 Cr91,463 Cr87,030 Cr82,469 Cr75,155 Cr81,359 Cr93,773 Cr1,17,821 Cr
Trade receivables106 Cr65 Cr47 Cr16 Cr6 Cr247 Cr117 Cr102 Cr
Cash & bank1,827 Cr———9,109 Cr3,593 Cr2,896 Cr4,489 Cr
Other assets3,721 Cr12,023 Cr13,022 Cr12,500 Cr7,353 Cr4,778 Cr11,350 Cr8,705 Cr
Total assets1,06,055 Cr1,09,529 Cr1,08,972 Cr1,06,902 Cr1,06,362 Cr1,02,718 Cr1,20,409 Cr1,42,205 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity———6,078 Cr7,490 Cr673 Cr-16,586 Cr-14,189 Cr
Cash from investing———-5,084 Cr-1,107 Cr849 Cr471 Cr367 Cr
Cash from financing———-3,026 Cr-2,191 Cr-7,037 Cr15,419 Cr15,415 Cr
Net cash flow———-2,032 Cr4,193 Cr-5,515 Cr-697 Cr1,593 Cr
Free cash flow (OCF − Capex)———6,001 Cr7,363 Cr555 Cr-16,782 Cr-14,429 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %9.4%9.4%8.1%—7.6%8.4%8.0%7.8%
ROE %16.3%11.6%5.4%5.4%7.5%9.9%10.3%10.7%
Debtor days32100732
Inventory days0———0000
Days payable————————
Cash conversion cycle32100732
Debt / equity6.806.394.72—3.843.253.613.93
Current ratio————————
Net debt / EBITDA9.299.4810.8612.749.849.079.309.62

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA————————
Gross NPA %————————
Net NPA————————
Net NPA %————————
CET1 %————————
Additional Tier 1 %————————
Capital adequacy %————————
NIM %————————
ROA %————————

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