L&T Finance Ltd (LTF)
StalwartFairStock Score: 48/100 — MIXED
Score breakdown: P/E: 1/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1
Key Financials
| Current Price | ₹306.3 |
| Market Cap | ₹76,748.37 Cr |
| P/E Ratio | 24.16 |
| ROCE | 8.71% |
| ROE | 10.99% |
| Dividend Yield | 0.9% |
| Profit Growth | 28.99% |
| Debt/Equity | 3.93 |
| Sales Growth | 23.17% |
| Free Cash Flow | ₹-16,115 Cr |
| Promoter Holding | 66.03% |
| 52-Week Range | ₹229.3 — ₹338.6 |
| Sector | Finance |
| Book Value | ₹112.09 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
At first glance, L&T Finance is a business I can understand: a large Indian NBFC with the L&T name and promoter holding of 66.03 per cent. That ownership alignment matters. But my job is to buy value, and today's price does not allow me to do that. The company is growing at a moderate pace—sales up 10.43 per cent and profit up 9.74 per cent—yet the market is paying a P/E of 25.11 and a P/B of 2.86. Graham would demand a price closer to book value, and a conservative Graham Number of ₹161.20 against a price of ₹292.10 means the margin of safety is deeply negative at -76.15 per cent.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer