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

With LTF's revenues expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

Financial Ratios:

currentRatio 0.000000
forwardPE 19.210123
debtToEquity 370.750000
earningsGrowth 0.176000
revenueGrowth 0.266000
grossMargins 0.991500
operatingMargins 0.446020
trailingEps 11.200000
forwardEps 15.499640

LTF's Forward PE being in a good range indicates that the stock is valued appropriately based on its earnings. This suggests the stock is not overpriced and leaves room for growth, providing investors with an opportunity for potential appreciation in value.
L&T Finance Limited's high debt-to-equity ratio signals that the company is heavily leveraged. This suggests L&T Finance Limited may be relying more on debt than equity to finance its operations, which could expose the company to greater financial risk in challenging economic conditions.
L&T Finance Limited's positive earnings and revenue growth indicate that the company is expected to continue expanding its business. These trends reflect strong financial health, with increasing profits and sales suggesting sustained growth and success for L&T Finance Limited.
L&T Finance Limited's positive gross and operating margins indicate healthy profitability. These margins reflect the company's ability to generate income efficiently from its operations, signaling strong financial performance and effective cost management.
LTF's forward EPS exceeding its trailing EPS reflects expectations of increased profitability for the current year. This suggests that the company is projected to achieve higher earnings than in the previous financial year, signaling positive growth and improved financial health.

Price projections:

Price projections for LTF
Price projections for LTF

The steady upward revision of L&T Finance Limited's price projections indicates growing confidence in the company's future. Analysts are increasingly optimistic about L&T Finance Limited's potential to deliver strong results and increased market value.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


Analysts have been favoring L&T Finance Limited with a buy bias recently, signaling a promising investment opportunity. This optimistic outlook may attract more investors, positioning L&T Finance Limited as a desirable option for those seeking to invest their money in a stable, profitable company with strong growth potential.