LTFH
OVERVALUEDL&T Finance
Finance · NSE
↓ 149.2% vs fair value
52W Low
₹169
+59.7% from low
52W High
₹329
-17.9% from high
Valuation Gauge
Current Price
₹270
Fair Value
₹109
Fair Value Analysis
₹109
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 3.1%) — returns on capital are falling; verify this isn't a value trap. | COVID-resilient: PAT dropped from ₹2232Cr (FY2019) to ₹949Cr (FY2021) during COVID but has fully recovered.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 11.1% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 3.9x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 23.6x trades at a 64% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-14,429 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 22.5% is below the Finance sector average of 23.9%
Dividend
Dividend yield of 1.0% provides moderate shareholder returns
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-19.5%
Free cash flow / market cap
Revenue Growth (YoY)
+18.6%
Year-on-year revenue change
Profit Growth (YoY)
+27.2%
Year-on-year PAT change
Operating Cash Flow
₹-14.2K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹11.9
P/E Ratio
23.6x
P/B Ratio
2.5x
ROE
11.1%
ROCE
—
Debt / Equity
3.93x
Beta
0.69
Div Yield
1%
FCF (Cr)
₹-14,429 Cr
Revenue (Cr)
₹10,635 Cr
EPS Growth 5Y
22.5%
Mkt Cap (Cr)
₹70,341 Cr
52W High
₹329.5
52W Low
₹169.3
Book Value/Share
₹111.4
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹17.9K Cr | ₹4.2K Cr | 24.0% | ₹3.0K Cr | ₹11.90 |
| 2025-03-31 | ₹15.9K Cr | ₹3.6K Cr | 23.0% | ₹2.6K Cr | ₹10.60 |
| 2024-03-31 | ₹14.3K Cr | ₹2.7K Cr | 19.0% | ₹2.3K Cr | ₹9.32 |
| 2023-03-31 | ₹12.8K Cr | ₹-975 Cr | -8.0% | ₹1.5K Cr | ₹6.55 |
| 2022-03-31 | ₹11.9K Cr | ₹932 Cr | 8.0% | ₹1.0K Cr | ₹4.33 |
| 2021-03-31 | ₹13.4K Cr | ₹722 Cr | 5.0% | ₹949 Cr | ₹3.93 |
| 2020-03-31 | ₹14.1K Cr | ₹2.4K Cr | 17.0% | ₹1.7K Cr | ₹6.90 |
| 2019-03-31 | ₹13.4K Cr | ₹3.1K Cr | 23.0% | ₹2.2K Cr | ₹9.06 |
| 2018-03-31 | ₹10.2K Cr | ₹1.4K Cr | 14.0% | ₹1.3K Cr | ₹5.11 |
| 2017-03-31 | ₹8.5K Cr | ₹1.1K Cr | 13.0% | ₹1.0K Cr | ₹4.83 |
| 2016-03-31 | ₹7.4K Cr | ₹1.3K Cr | 18.0% | ₹857 Cr | ₹3.97 |
| 2015-03-31 | ₹6.5K Cr | ₹1.3K Cr | 19.0% | ₹855 Cr | ₹4.04 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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