L&T Finance Ltd (LTF.NS) stock analysis

In our weekly check, L&T Finance Ltd is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 6.

About L&T Finance Ltd

L&T Finance Ltd is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as LTF.NS.

What our checks show for LTF.NS

Red flags

• Profits not backed by cash
• The stock has fallen as much as 77% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.1 years.
• Return on capital (ROCE) is only 4.1%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Analysts expect only about 1.6% a year of growth in revenue.
• Free cash flow is only 0% of revenue.
• The price swings a lot: 36% annual volatility. Expect large ups and downs.

Strengths

• The net margin rose by 8.3 points over 5 years, to 17.7%.
• The gross margin is 60.1% and has risen by 10.8 points: pricing power is holding.
• Analysts expect earnings per share to grow about 24.2% a year over the next years.
• Analysts expect the net margin to improve by 11.4 points from today's 17.7%.
• Revenue grew 16.2% a year over the last 3 years.
• Earnings per share grew 27.7% a year over the last 3 years.

Next earnings report: 2027-01-08

Similar companies

MA · RECLTD.NS · V · SUNDARMFIN.BO · MUTHOOTFIN.NS · PFC.NS

Questions

What grade does L&T Finance Ltd (LTF.NS) have?

In our weekly check, L&T Finance Ltd is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of LTF.NS stock?

This week's biggest flags for L&T Finance Ltd: Profits not backed by cash, Deep past fall, Slow recovery after falls. In total 10 of 24 checks show a warning or a red flag.

What does L&T Finance Ltd do?

L&T Finance Ltd is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as LTF.NS.

When does L&T Finance Ltd report earnings next?

The next earnings report is expected on 2027-01-08. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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