Flash Finance

L&T Finance LimitedLTFBank / NBFC

Financial Services Credit Services Latest results: Sep 2026 16 quarters of data
Consolidated Standalone
₹253.85
MCap ₹63,616 Cr · P/E 18.0
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹5,484 Cr
Interest Earned · Sep 2026
+26.6% YoY
₹1,312 Cr
Operating Profit · Sep 2026
₹968 Cr
Net Profit · Sep 2026
+33.0% YoY
₹3.86
EPS · Sep 2026
+32.6% YoY
—
Gross NPA % · Sep 2026
—
Net NPA % · Sep 2026

📝 L&T Finance Limited — results explained

Quarter ended September 2026 (Q2 FY27)

L&T Finance Limited reported total income of ₹5,484 crore for the quarter ended September 2026 (Q2 FY27), up 26.6% from ₹4,333 crore in the same quarter last year, and up 4.6% sequentially over the June 2026 quarter.

Of this, interest earned contributed ₹5,484 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹1,970 crore) worked out to ₹3,514 crore.

Net profit rose 33.0% year-on-year to ₹968 crore, from ₹728 crore. Earnings per share (EPS) came in at ₹3.86.

Full year and trailing twelve months

For the full year FY26, L&T Finance Limited posted total income of ₹18,093 crore, a growth of 13.6% over FY25, with a net profit of ₹3,101 crore (up 18.4% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹20,231 crore with a net profit of ₹3,542 crore.

Valuation snapshot

At the current price of ₹253.85, LTF has a market capitalisation of ₹63,616 crore and a trailing P/E of about 18.0.

Within the Credit Services industry, it is the 8th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 65.93%, foreign institutional investors (FIIs) 7.38%, domestic institutional investors (DIIs) 15.79%, public shareholders 10.89% of L&T Finance Limited.

Promoter holding slipped from 65.99% to 65.93% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹63,616 Cr
Current Price ?
₹253.8
P/E ?
17.96above ind
Industry P/E ?
15.80
P/B ?
2.19
P/S ?
3.14
P/FCF ?
-4.40
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.90
Earnings Yield ?
5.6%
Dividend Yield ?
1.08%
Profitability & Returns
Total Income (TTM) ?
₹20,231 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹3,542 Cr
EPS (TTM) ?
₹14.13
ROCE ?
N/A
ROE ?
12.2%
ROA ?
2.2%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹5,484 Cr
PAT — latest qtr ?
₹968 Cr
YoY qtr sales growth ?
26.6%
YoY qtr profit growth ?
33.0%
Sales growth (3y) ?
12%
Sales growth (5y) ?
148%
Profit growth (3y) ?
20%
Profit growth (5y) ?
145%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
65.93%
Change in promoter holding ?
-0.23%
Pledged percentage ?
N/A
Market
Return 3 months ?
-18.1%
Return 6 months ?
-11.6%

🗓️ Quarterly results (16 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 YoY % QoQ %
Interest Earned 533,32451453,3063,6703,4523,6543,8064,0203,9144,3334,2404,9215,2135,484 +26.6% +5.2%
Other Income 39202572756330366296534303420310 — -98.6%
Total Income 9313056523,5813,6763,7834,0204,1034,0244,2574,3334,5824,9215,2435,484 +26.6% +4.6%
Interest Expended 21,445001,3531,3351,3511,4761,5691,6001,6361,6341,7031,7471,9701,970 +20.6% +0.0%
Operating Profit 62—47401,151—1,3031,4801,544—1,476—1,601—1,2131,312 — +8.1%
Provisions 1——-0333—390551729—542—590——— — —
Profit Before Tax 2,63711247408186839139298157989349799831,2111,2131,312 +34.0% +8.1%
Net Profit 2,1361033530636545679689619631694728731947895968 +33.0% +8.1%
EPS 8.622.330.140.122.562.192.732.772.482.532.782.912.923.783.573.86 +32.6% +8.1%
Gross NPA % — — — — — — — — — — — — — — — — — —
Net NPA % — — — — — — — — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹14,932 Cr ₹17,408 Cr ₹19,858 Cr +16.6%
Other Income ₹998 Cr ₹684 Cr ₹373 Cr -31.4%
Total Income ₹15,930 Cr ₹18,093 Cr ₹20,231 Cr +13.6%
Interest Expended ₹5,997 Cr ₹6,720 Cr ₹7,391 Cr +12.1%
Net Interest Income ₹8,935 Cr ₹10,689 Cr ₹12,467 Cr +19.6%
Operating Profit ₹4,327 Cr ₹3,077 Cr ₹4,126 Cr -28.9%
Provisions ₹1,670 Cr ₹1,132 Cr ₹590 Cr -32.2%
Profit Before Tax ₹3,455 Cr ₹4,106 Cr ₹4,719 Cr +18.8%
Tax ₹837 Cr ₹491 Cr ₹913 Cr -41.4%
Net Profit ₹2,618 Cr ₹3,101 Cr ₹3,542 Cr +18.4%
EPS ₹10.51 ₹12.39 ₹14.13 +17.9%

🏛️ Balance Sheet (latest 5 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026 % Chg
Equity Capital 2,4802,4892,4952,5042,506 +0.1%
Reserves 18,83920,70622,80025,32926,596 +5.0%
Borrowing 83,10576,60392,372110,298123,869 +12.3%
Other Liabilities 1,6032,5522,3663,8124,578 +20.1%
Total Liabilities 106,027102,351120,033141,943157,550 +11.0%
Fixed Assets 2162083331,0021,181 +17.9%
CWIP 536456260 -3.2%
Investments 14,40212,37511,83610,6338,759 -17.6%
Other Assets 91,40489,733107,819130,246147,551 +13.3%
Total Assets 106,027102,351120,033141,943157,550 +11.0%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 6,360650-16,608-14,237 +14.3%
Cash from Investing Activity -505859500398 -20.4%
Cash from Financing Activity -1,659-7,05315,44115,433 -0.1%
Net Cash Flow 4,196-5,544-6681,594 +338.6%
Free Cash Flow 6,263531-16,794-14,471 +13.8%
CFO/OP 96%12%-166%-119% +28.3%

💧 Half-year Cash Flow (latest 1 periods)

Metric Sep 2026 % Chg
Cash from Operating Activity -13,766 —
Cash from Investing Activity 1,633 —
Cash from Financing Activity 12,719 —
Net Cash Flow 586 —

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 11%10%11%12% +9.1%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
Promoters 66.16%66.10%66.03%65.99%65.93% -0.1%
FIIs 6.19%6.40%6.66%7.64%7.38% -3.4%
DIIs 14.10%14.33%15.33%14.91%15.79% +5.9%
Public 13.55%13.15%11.99%11.48%10.89% -5.1%
No. of Shareholders 7,92,3747,77,4327,75,7287,48,8657,38,634 -1.4%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 15.9 20,052 4,871 12.7% 24.3% 12.4% 67.1% 26.5% 32.4%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 20.2 18,902 2,761 31.0% 14.6% — — 10.6% 38.3%
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 34.7 8,900 1,088 15.8% 12.2% 60.9% 652.7% 70.1% 405.2%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was L&T Finance Limited's total income in Q2 FY27?
L&T Finance Limited reported total income of ₹5,484 crore for the quarter ended September 2026 (Q2 FY27), up 26.6% from ₹4,333 crore in the same quarter last year, and up 4.6% sequentially over the June 2026 quarter.
What was L&T Finance Limited's net profit in Q2 FY27?
Net profit rose 33.0% year-on-year to ₹968 crore, from ₹728 crore. Earnings per share (EPS) came in at ₹3.86.
What is LTF's market capitalisation and P/E ratio?
At the current price of ₹253.85, LTF has a market capitalisation of ₹63,616 crore and a trailing P/E of about 18.0.
Who owns L&T Finance Limited? (shareholding pattern)
As of Sep 2026, promoters held 65.93%, foreign institutional investors (FIIs) 7.38%, domestic institutional investors (DIIs) 15.79%, public shareholders 10.89% of L&T Finance Limited.
TTM ends 2026-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI