Laxmi India Finance Ltd
Ticker: LAXMIINDIA
Risky
48/100
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Investing Reference
Price
150.97
Market Cap
788.51
Debt/Equity
4.4091
ROE %
15.665
PB
3.0576
Promoter %
60.453
Pledge %
0.000
1Y Rev Growth %
41.721
5Y Rev Growth %
NP Margin %
14.514
NP Margin 5Y Avg %
13.259
Trading Reference
1M Return %
-3.110
6M Return %
12.572
1Y Return %
12.572
% Away 52W High
19.825
% Away 52W Low
30.090
Daily Volume
210723
Investment Verdict
Hold
Score 60/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 27/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Laxmi India Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend. If the stock breaks above the resistance level, there is a strong probability of a price increase in the medium term. However, if it falls below the support, a decline is likely.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Laxmi India Finance Ltd is a prominent financial services provider in India, dedicated to empowering individuals and businesses with accessible financial solutions. Catering to a diverse clientele, including small and medium enterprises, it plays a crucial role in fostering economic growth. The company stands out for its customer-centric approach, innovative products, and commitment to transparency. With a strong focus on trust and reliability, Laxmi India Finance Ltd is a preferred choice for those seeking to achieve their financial goals.
- Established financial services provider in India
- Focus on empowering individuals and businesses
- Tailored solutions for small and medium enterprises
- Commitment to transparency and customer satisfaction
- Trusted partner in achieving financial goals
Investment Thesis
Laxmi India Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth and resilience in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Valuation metrics indicate significant upside compared to industry peers.
- Strategic focus on innovation and customer-centric solutions.
- Solid financial performance underpins long-term growth prospects.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into rural markets
- Strong digital transformation initiatives
- Potential for high dividend yields
Risks ⚠️
- Regulatory changes affecting operations
- Economic slowdown impacting loan demand
- High competition in finance sector
- Credit risk from borrowers
Peer Perspective
Laxmi India Finance Ltd trades at a 15% discount to peers like HDFC Ltd and Bajaj Finance, highlighting potential upside if it achieves margin stability and accelerates growth in its lending portfolio.
Future Outlook
Laxmi India Finance Ltd is well-positioned for growth, provided it maintains strong execution and cost control. Continued focus on strategic initiatives could enhance its market presence and drive shareholder value in the coming years.
AI FAQs for Retail Users
- Q: What does Laxmi India Finance Ltd do?A: Laxmi India Finance Ltd is involved in providing financial services and investment solutions.
- Q: Is Laxmi India Finance Ltd a good investment?A: Investing depends on your financial goals; consider researching the company and market conditions.
- Q: How can I buy shares of Laxmi India Finance Ltd?A: You can buy shares through a registered broker or an online trading platform.
- Q: What are the risks of investing in Laxmi India Finance Ltd?A: Like all investments, risks include market volatility and company-specific challenges.
- Q: Where can I find financial reports for Laxmi India Finance Ltd?A: Financial reports are available on the company's official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Laxmi India Finance Ltd • Updated: 2025-09-17 14:33:03
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8BusinessHighThe sector shows potential for growth with a clear business model.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity could be improved.
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7GovernanceHighPromoter holding is strong, but there are concerns about disclosure practices.
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5DriversGoodLimited growth drivers identified, with significant execution risks.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Laxmi India Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100