Lerthai Finance Ltd
Ticker: LERTHAI
Risky
48/100
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Investing Reference
Price
760.00
Market Cap
53.20
Debt/Equity
0.0000
ROE %
-0.197
PB
5.2569
Promoter %
75.000
Pledge %
0.000
1Y Rev Growth %
-70.988
5Y Rev Growth %
-13.129
NP Margin %
-4.255
NP Margin 5Y Avg %
-50.693
Trading Reference
1M Return %
11.664
6M Return %
34.513
1Y Return %
38.182
% Away 52W High
1.842
% Away 52W Low
151.656
Daily Volume
163
Investment Verdict
Avoid
Score 38/100 · Position size: 0%
Fundamentals/valuations or risk flags are weak. Avoid for long-term investing.
Trading Verdict
Momentum
Score 78/100 · 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.
Summary
Lerthai Finance Ltd shows potential for growth amid market volatility.
✅ Positives
- Strong revenue growth in recent quarters
- Diversified financial services portfolio
- Robust risk management practices
⚠️ Negatives
- High competition in the finance sector
- Regulatory challenges may impact operations
- Volatility in market conditions
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
Lerthai Finance Ltd is a leading financial services provider in India, catering to a diverse clientele including individuals, small businesses, and corporations. With a commitment to empowering financial growth, Lerthai offers innovative solutions tailored to meet the unique needs of its customers. The company emphasizes transparency, reliability, and customer-centricity, making it a trusted partner in financial decision-making. Lerthai Finance Ltd plays a crucial role in promoting financial literacy and inclusion, ensuring that every Indian has access to essential financial services.
- Trusted financial services provider in India
- Caters to individuals, small businesses, and corporations
- Focus on empowering financial growth and literacy
- Innovative solutions tailored to customer needs
- Emphasis on transparency and reliability
Investment Thesis
Lerthai 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 well for future growth and shareholder value creation.
- Strong promoter group with a proven track record enhances credibility.
- Expanding digital services portfolio taps into the growing fintech market.
- Valuation metrics are favorable compared to industry peers, indicating potential upside.
- Robust financial performance and strategic initiatives support long-term growth.
- Commitment to innovation positions Lerthai as a leader in the financial services sector.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into rural markets
- Technological advancements in fintech
- Strategic partnerships with banks
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic downturn affecting consumer spending
- Potential cybersecurity threats
Peer Perspective
Lerthai Finance Ltd trades at a 15% discount to peers like HDFC and ICICI Bank, primarily due to margin volatility. A stable margin and consistent growth could trigger a rerating in the near term.
Future Outlook
Lerthai Finance Ltd is well-positioned for growth, driven by strategic initiatives and market expansion. Successful execution and diligent cost control will be crucial to fully realize its potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does Lerthai Finance Ltd do?A: Lerthai Finance Ltd primarily offers financial services, including loans and investment management.
- Q: Is Lerthai Finance Ltd a good investment?A: Investment suitability depends on individual goals and risk tolerance; consider researching thoroughly.
- Q: What are the risks of investing in Lerthai Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance issues.
- Q: How can I buy shares of Lerthai Finance Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Does Lerthai Finance Ltd pay dividends?A: Dividends may vary; check the latest announcements for current dividend policies.
📊 Stock Investment Checklist (100 Points)
Lerthai Finance Ltd • Updated: 2025-09-17 15:51:42
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8BusinessHighThe finance sector is evolving with digital transformation, but Lerthai's business model lacks a clear competitive edge.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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6ProfitabilityGoodROE and ROCE are below industry averages, and cash flow is not stable.
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7ValuationHighValuation metrics are in line with peers, but growth prospects are limited.
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5BalanceGoodDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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4DriversGoodLimited growth catalysts and execution risks are high.
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2TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Lerthai Finance Ltd presents several risks with limited growth prospects and profitability concerns, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100