L&T Finance Ltd
Ticker: LTF
Decent
48/100
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Investing Reference
Price
271.55
Market Cap
67919.54
Debt/Equity
3.6039
ROE %
10.756
PB
2.6499
Promoter %
66.105
Pledge %
0.000
1Y Rev Growth %
8.249
5Y Rev Growth %
1.946
NP Margin %
16.584
NP Margin 5Y Avg %
11.631
Trading Reference
1M Return %
11.586
6M Return %
71.174
1Y Return %
61.589
% Away 52W High
0.236
% Away 52W Low
110.178
Daily Volume
7835400
Investment Verdict
Risky
Score 59/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Momentum
Score 82/100 · Position size: 20%
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
L&T Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for upward movement. However, if it falls below the support, a downside risk is present.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
L&T Finance Ltd is a prominent financial services company in India, providing a range of solutions including loans, investments, and insurance. Tailored for individuals and businesses, it aims to empower customers with financial growth and stability. With a strong backing from the renowned L&T Group, it is committed to transparency and customer satisfaction. L&T Finance Ltd plays a crucial role in fostering economic development by supporting various sectors.
- Part of the trusted L&T Group
- Wide range of financial products
- Focus on customer-centric solutions
- Strong commitment to transparency
- Supports economic growth in India
Investment Thesis
L&T Finance Ltd stands out due to its strong promoter backing and credibility, ensuring stability and trust. The company is well-positioned to capitalize on the growing digital services landscape, offering significant growth potential. Additionally, its attractive valuation compared to peers makes it an appealing investment choice for retail investors seeking long-term gains.
- Strong promoter group enhances credibility and stability.
- Significant growth potential in digital services sector.
- Attractive valuation compared to industry peers.
- Robust financial performance and risk management.
- Focus on sustainable growth and innovation.
Opportunity vs Risk
Opportunities
- Strong growth in retail lending
- Expansion in rural markets
- Digital transformation initiatives
- Government infrastructure spending boost
Risks ⚠️
- High competition in finance sector
- Regulatory changes impact
- Asset quality concerns
- Economic slowdown effects
Peer Perspective
L&T Finance Ltd trades at a discount to peers like HDFC Ltd and Bajaj Finance, primarily due to growth concerns. A sustained improvement in margins and asset quality could trigger a rerating.
Future Outlook
L&T Finance Ltd is well-positioned for growth, driven by strategic initiatives in retail financing. However, successful execution and effective cost control will be crucial to fully realize its potential in the evolving market.
📊 Stock Investment Checklist (100 Points)
L&T Finance Ltd • Updated: 2025-09-18 08:56:58
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8BusinessHighThe financial services sector is evolving with digital transformation, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is stable.
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9ValuationHighValuation metrics are in line with peers, but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Decent
L&T Finance Ltd shows potential in a growing sector, but faces challenges in growth consistency and market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 72/100