L&T Finance Ltd. (LTF), a leading non-banking financial company (NBFC) in India and part of the Larsen & Toubro Group, has recently made significant strides in its financial performance and strategic initiatives.
Financial Performance
Q1 FY26 Business Update (Quarter ended June 2025):
Retail Loan Book: Grew 18.2% year-on-year to ₹99,800 crore from ₹84,444 crore.
Retail Disbursements: Increased 18% to ₹17,510 crore from ₹14,839 crore.
Retailisation: Improved to 98% of the total lending book, up from 95% a year ago.
Q4 FY25 Results (Quarter ended March 2025):
Net Profit: Rose 14.9% to ₹636.2 crore from ₹553.9 crore year-on-year.
Consolidated Total Income: Up 9.52% to ₹4,027.22 crore from ₹3,677.32 crore.
Dividend: Declared a 27% dividend (₹2.7 per share) with a yield of 2.83%, ex-date May 27, 2025.
Growth Outlook: UBS forecasts a 20% CAGR for LTF’s loan book from FY25 to FY27, with the microfinance (MFI) share expected to decline from 27% to 24%.
Stock Performance
Share Price: As of June 26, 2025, the stock traded at ₹203.86, hitting a 52-week high of ₹197.10 in June 2025 (up from a 52-week low of ₹129.15 in January 2025).
Returns:
Year-to-date (2025): +49.76%.
Past 12 months: +7.64%.
Past 3 years: +149.7% price return, with a total return of 83.99% including dividends.
Strategic Initiatives
Acquisition: LTF acquired Paul Merchants Finance’s gold loan business in June 2025, including 130 branches, 700 employees, and a ₹1,350 crore loan book. This move strengthens LTF’s portfolio with a secured, high-yield product.
AI-Powered Microsite: Launched in June 2025 for the “Aapke Business Ka Game Changer” campaign to support SME growth, aligning with LTF’s Fintechscale strategy under its Lakshya 2026 roadmap.
Bond Issuance: Plans to raise ₹10 billion (with an ₹8 billion greenshoe option) through the reissue of 8.24% June 2027 bonds.
Board Meeting: Scheduled for July 18, 2025, to discuss financial results and other matters.
Market Position
Market Cap: Approximately ₹51,449.17 crore as of June 2025.
Sector: Operates in the NBFC sector, with a focus on retail financing, including personal loans, gold loans, and SME support.
Credit Rating: Rated “AAA” by four leading agencies, reflecting strong financial stability. � Customer Base: Around 2.6 crore customers, leveraged for cross-selling and expansion.
potential 70-90% upside over the next 6 months, a breakout above multi-year resistance (last seen in October 2017).
WHAT EVERY THE FUNDAMENTAL ANALYSIS ASPECT. LTF Made Beautiful Chart Structure Multi Years Breakout (last seen in October 2017) with potential 50-60% upside over the next 3 months. Now You need a Process with Discipline & systematic plan. Follow you rules, avoid you same mistakes, improve results. Calibrate systems as per your risk ability.
Financial Performance
Q1 FY26 Business Update (Quarter ended June 2025):
Retail Loan Book: Grew 18.2% year-on-year to ₹99,800 crore from ₹84,444 crore.
Retail Disbursements: Increased 18% to ₹17,510 crore from ₹14,839 crore.
Retailisation: Improved to 98% of the total lending book, up from 95% a year ago.
Q4 FY25 Results (Quarter ended March 2025):
Net Profit: Rose 14.9% to ₹636.2 crore from ₹553.9 crore year-on-year.
Consolidated Total Income: Up 9.52% to ₹4,027.22 crore from ₹3,677.32 crore.
Dividend: Declared a 27% dividend (₹2.7 per share) with a yield of 2.83%, ex-date May 27, 2025.
Growth Outlook: UBS forecasts a 20% CAGR for LTF’s loan book from FY25 to FY27, with the microfinance (MFI) share expected to decline from 27% to 24%.
Stock Performance
Share Price: As of June 26, 2025, the stock traded at ₹203.86, hitting a 52-week high of ₹197.10 in June 2025 (up from a 52-week low of ₹129.15 in January 2025).
Returns:
Year-to-date (2025): +49.76%.
Past 12 months: +7.64%.
Past 3 years: +149.7% price return, with a total return of 83.99% including dividends.
Strategic Initiatives
Acquisition: LTF acquired Paul Merchants Finance’s gold loan business in June 2025, including 130 branches, 700 employees, and a ₹1,350 crore loan book. This move strengthens LTF’s portfolio with a secured, high-yield product.
AI-Powered Microsite: Launched in June 2025 for the “Aapke Business Ka Game Changer” campaign to support SME growth, aligning with LTF’s Fintechscale strategy under its Lakshya 2026 roadmap.
Bond Issuance: Plans to raise ₹10 billion (with an ₹8 billion greenshoe option) through the reissue of 8.24% June 2027 bonds.
Board Meeting: Scheduled for July 18, 2025, to discuss financial results and other matters.
Market Position
Market Cap: Approximately ₹51,449.17 crore as of June 2025.
Sector: Operates in the NBFC sector, with a focus on retail financing, including personal loans, gold loans, and SME support.
Credit Rating: Rated “AAA” by four leading agencies, reflecting strong financial stability. � Customer Base: Around 2.6 crore customers, leveraged for cross-selling and expansion.
potential 70-90% upside over the next 6 months, a breakout above multi-year resistance (last seen in October 2017).
WHAT EVERY THE FUNDAMENTAL ANALYSIS ASPECT. LTF Made Beautiful Chart Structure Multi Years Breakout (last seen in October 2017) with potential 50-60% upside over the next 3 months. Now You need a Process with Discipline & systematic plan. Follow you rules, avoid you same mistakes, improve results. Calibrate systems as per your risk ability.
Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.
Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.