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

Investors may be wary of LTF as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 13.096041
debtToEquity 360.392000
earningsGrowth 0.033000
revenueGrowth 0.019000
grossMargins 0.990770
operatingMargins 0.453130
trailingEps 10.620000
forwardEps 14.070000

L&T Finance Limited's Forward PE is in an attractive range, meaning its stock price aligns well with earnings and isn't inflated. This creates room for growth, making it a solid investment opportunity for those looking to benefit from potential price appreciation.
LTF's elevated debt-to-equity ratio suggests that the company is using significant debt to finance its operations. This level of leverage can amplify financial risk, particularly if profitability decreases or external conditions become unfavorable.
With positive gross and operating margins, LTF demonstrates its profitability and efficiency. These metrics show that the company is managing costs well while generating strong revenue, highlighting robust financial health.
L&T Finance Limited's forward EPS being higher than its trailing EPS suggests that the company is expected to generate stronger profits this year. This points to improving financial performance, with L&T Finance Limited anticipated to deliver better earnings than it did in the prior year.

Price projections:

Price projections for LTF
Price projections for LTF

L&T Finance Limited's price projections have gradually increased over time, indicating that analysts are becoming more optimistic about the company's prospects. This suggests confidence in L&T Finance Limited's ability to achieve future growth.

Recommendation changes over time:

Recommendations trend for LTF
Recommendations trend for LTF


A recent buy bias from analysts toward LTF indicates strong confidence in the stock's future performance. This could encourage investors to park their money in LTF, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.