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Lakshmi Finance & Industrial Corporation (LFIC) Fair Value & Analysis

Financial Services · IN · Market cap ₹446M

LF Lakshmi Finance & Industrial Corporation LFIC · NSE
Price₹145.47
Fair Value₹50.49
Upside-65.3%
Quality46/100
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Evidence: Low Range ₹25.68 – ₹75.41

Fair value as of: Jul 3, 2026

From 3 valuation models · updated today

Share price +3.1% over the past month.

Price vs Fair Value (12 months)

₹217.61 ₹112.50 Fair Value ₹50.49 Jul 2025 Jul 2026

12‑month range ₹112.50 – ₹217.61 · fair‑value band ₹25.68 – ₹75.41 · the ₹145.47 price screens above the ₹50.49 fair value. As of Jul 3, 2026.

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Analysis

Lakshmi Finance & Industrial Corporation (LFIC) currently trades at ₹145.47, while our model-based Fair Value estimate is ₹50.49 — implying the stock looks roughly 65.3% overvalued today. We read business quality at 46/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

Over the trailing twelve months, Lakshmi Finance & Industrial Corporation generated revenue of ₹69.7M at a net margin of -10.3%. Revenue grew 20.8% year over year. It earns a return on equity of -1.2%. The balance sheet holds a net cash position of ₹18.1M. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹69.7M
Revenue growth (YoY) +20.8%
Net margin -10.3%
Return on equity -1.2%
Free cash flow −₹16.2M FY2026
Operating margin -236%
More key figures
EPS (TTM) ₹-2.38
Dividend yield 1.7%
EPS growth (YoY) -21.6%
Net cash ₹18.1M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

About the company

Lakshmi Finance & Industrial Corporation Limited, a non-banking finance company, invests in equity shares, mutual funds, and other securities in India. The company was formerly known as The Andhra Bank Ltd. and changed its name to Lakshmi Finance & Industrial Corporation Limited in April 1980. Lakshmi Finance & Industrial Corporation Limited was incorporated in 1923 and is based in Hyderabad, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Lakshmi Finance & Industrial Corporation reported revenue of ₹64.5M in FY2026 versus ₹48.0M in FY2022, a compound +7.7%/yr. Reported net income was −₹7.1M in FY2026.

Revenue +7.7%/yr
FY22 ₹48.0M
FY23 ₹29.4M
FY24 ₹84.1M
FY25 ₹71.7M
FY26 ₹64.5M
Net income
FY22 ₹57.1M
FY23 ₹5.5M
FY24 ₹104M
FY25 ₹35.8M
FY26 −₹7.1M

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Frequently asked questions

Is Lakshmi Finance & Industrial Corporation (LFIC) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹50.49 versus a price of ₹145.47 — about −65% (overvalued). Model-based estimate, not financial advice.
What is the fair value of LFIC?
Our model-based fair value for Lakshmi Finance & Industrial Corporation is ₹50.49 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹145.47.
What is the quality score of LFIC?
Lakshmi Finance & Industrial Corporation has a Quality Score of 46/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Lakshmi Finance & Industrial Corporation (LFIC)?
Lakshmi Finance & Industrial Corporation reported trailing-twelve-month revenue of about ₹69.7M (latest available figure, as of Jul 3, 2026).
What is the net profit margin of LFIC?
The net profit margin of Lakshmi Finance & Industrial Corporation is about -10.3%, meaning it is currently running at a net loss. Based on the latest reported figures.
Does Lakshmi Finance & Industrial Corporation pay a dividend?
Lakshmi Finance & Industrial Corporation currently shows a dividend yield of about 1.69% relative to its recent price (as of Jul 3, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.