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

LTF's revenue projections indicate a decrease from last year's performance, which could lead to investor caution. A fall in revenue is likely to negatively impact the company's profitability, causing concern for shareholders who may view this as a signal of declining financial health.

Financial Ratios:

currentRatio 0.00000
forwardPE 18.48545
debtToEquity 370.75000
earningsGrowth 0.17600
revenueGrowth 0.26600
grossMargins 0.99150
operatingMargins 0.44602
trailingEps 11.20000
forwardEps 15.57982

LTF's Forward PE ratio suggests the stock price is reasonable in relation to earnings. It's not overpriced, providing room for future growth, making the stock a potentially valuable investment for those seeking long-term gains.
LTF's high debt-to-equity ratio suggests a heavily leveraged capital structure. The company relies on debt to fund operations, which could heighten financial risks, particularly if economic conditions deteriorate or profitability declines.
With positive growth in both earnings and revenue, L&T Finance Limited is expected to grow its business. These indicators highlight a strong financial outlook, with the company on track for continued expansion and increasing profitability.
L&T Finance Limited's positive gross and operating margins reflect strong financial performance. These metrics indicate that the company is efficiently managing its operations and generating healthy profits, contributing to a solid financial position.
LTF's forward EPS being higher than its trailing EPS indicates that the company is expected to achieve greater profitability this financial year. This suggests improving earnings and a stronger financial position compared to the previous year's performance.

Price projections:

Price projections for LTF
Price projections for LTF

Price projections for L&T Finance Limited have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for L&T Finance Limited's future.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


A recent buy bias from analysts toward L&T Finance Limited indicates strong confidence in the stock's future performance. This could encourage investors to park their money in L&T Finance Limited, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.