L&T Finance Limited (LTF) Fair Value & Analysis
Financial Services · IN · Market cap ₹819B
Fair value as of: Jul 5, 2026
From 12 valuation models · updated today
Share price +22.0% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹193.66 – ₹326.95 · fair‑value band ₹178.47 – ₹297.44 · the ₹326.95 price screens above the ₹237.96 fair value. As of Jul 5, 2026.
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L&T Finance Limited (LTF) currently trades at ₹326.95, while our model-based Fair Value estimate is ₹237.96 — implying the stock looks roughly 27.2% overvalued today. We read business quality at 59/100 (solid 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: medium).
Over the trailing twelve months, L&T Finance Limited generated revenue of ₹90.1B at a net margin of 33.1%. Revenue grew 31.9% year over year. It earns a return on equity of 11.1%. Net debt stands at ₹1.0T. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹178.47 (bear case) to ₹297.44 (bull case); at ₹326.95, the current price sits above that range. The share trades about 1% below its 52-week high and 70% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -16% fair-value upside — at -27%, LTF screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
L&T Finance Limited, a non-banking financial company, engages in the provision of various financial products and services in India. It offers farmer finance services, that includes farm equipment finance; rural business finance services, such as agri allied, micro finance, and rural group loans; urban finance services, that includes two-wheeler finance, consumer loans, home loans, and loans against property; SME loans; and real estate finance and infrastructure finance services. The company was formerly known as L&T Finance Holdings Limited and changed its name to L&T Finance Limited in March 2024. L&T Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Limited operates as a subsidiary of Larsen & Toubro Limited.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
L&T Finance Limited reported revenue of ₹106B in FY2026 versus ₹55.9B in FY2022, a compound +17.4%/yr. Reported net income was ₹29.8B in FY2026, compounding +29.2%/yr from FY2022.
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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹889.40 | ₹559.13 | -37% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$357.68 | R$715.36 | +100% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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Frequently asked questions
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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.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.