L&T Finance Ltd (LTF) — key facts
NSE-listed · Financial Services. Data as of 11 Nov 2026 (IST) from InvestSights.
Last close: ₹273.7 (+0.53% day change)
Key ratios
- P/E ratio
- 22.96
- P/B ratio
- 2.15
- ROE (%)
- 10.65
- ROCE (%)
- 4.37
- Debt/Equity
- 3.94
- Dividend yield (%)
- 1.14
- Market cap (₹ Cr)
- 68,600.17
Financial health
Industrial forensic models are not applicable. NBFC financial health is assessed using the documented Ind-AS lending framework.
InvestSights quality score
57.9/100 — Average (descriptive data-driven composite; not a recommendation)
Management guidance track record
- Retailisation: guided 80%, delivered 98% (FY26) — exceeded guidance
- Micro Loans customer interest rate: guided 24%, delivered 24% (Q4 FY23) — met guidance
Latest earnings call (Q2 FY27)
AI summary: The central signal was that L&T Finance’s earnings improvement is increasingly being driven by lower credit costs, funding optimisation and technology-led underwriting rather than growth alone. PAT reached ₹975 crore, RoA improved to 2.60%, and credit cost declined to 2.46%, while management reiterated its Q4FY27 targets of 2%-2.2% credit cost and 2.8%-3.0% RoA. Asset-quality…
Full analysis on InvestSights
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