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Stock Research: L&T Finance Holdings

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L&T Finance Holdings

NSI:LTF INE498L01015
14
  • Value
    26
  • Growth
    61
  • Safety
    Safety
    29
  • Combined
    36
  • Sentiment
    16
  • 360° View
    360° View
    14
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Company Description

L&T Finance Limited is an India-based non-banking financial company with presence across the lending business, catering to the diverse financing needs of both urban and rural segments. It offers personal loans, two-wheeler loans, home loans, rural business finance, farm loans, loans against property, business loans and gold loans. It offers personal loans for medical emergencies, home renovations, weddings and celebrations, vacations and education, among others. Its two-wheeler loans include electric two-wheeler loan, super bike loan and commuter tw loan. Its business loans include small and medium-sized enterprises (SME) loans, doctor loans, chartered accountant loans, professional loans and supply chain financing. Its rural business finance includes Vikaas Loan (Group Loan), Vishwas Loan (Group Loan), Pragati Loan (Group Loan) and Micro Loan Against Property. It also offers a range of insurance products, such as Life Insurance, Health Insurance and General Insurance.

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ANALYSIS: With an Obermatt 360° View of 14 (better than 14% compared with alternatives), overall professional sentiment and financial characteristics for the stock L&T Finance Holdings are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for L&T Finance Holdings. The consolidated Growth Rank has a good rank of 61, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. It ranks higher than 61% of competitors in the same industry. The other indicators are below average, namely the Value, Safety, and Sentiment Ranks.The Value Rank at 26 means that the share price of L&T Finance Holdings is on the high side compared with its peers regarding revenues, profits, and invested capital. The stock price is higher than for 74% of alternative stocks in the same industry. The consolidated Safety Rank has a riskier rank of 29, which means that the company has a riskier financing structure than 71% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. The consolidated Sentiment Rank also has a low rank of 16, indicating professional investors are more pessimistic about the stock than for 84% of alternative investment opportunities. ...read more

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Strongest Rank Refinancing
Weakest Rank Stock Returns
Country India
Industry Other Financial Services
Size Large
Website ltfinance.com
Index
L&T Finance Holdings stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
26 57 41 57
Growth
61 25 63 59
Safety
Safety
29 62 63 61
Sentiment
16 37 61 69
360° View
360° View
14 33 59 87
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Metrics Current 2025 2024 2023
Analyst Opinions
21 75 71 70
Opinions Change
22 31 50 18
Pro Holdings
n/a 49 95 76
Market Pulse
58 31 30 50
Sentiment
16 37 61 69
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Metrics Current 2025 2024 2023
Value
26 57 41 57
Growth
61 25 63 59
Safety Safety
29 62 63 61
Combined
36 44 61 74
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
37 62 43 59
Price vs. Earnings (P/E)
22 49 40 67
Price vs. Book (P/B)
40 61 42 67
Dividend Yield
59 40 30 26
Value
26 57 41 57
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Metrics Current 2025 2024 2023
Revenue Growth
61 76 68 56
Profit Growth
57 52 44 64
Capital Growth
15 10 46 82
Stock Returns
93 19 83 13
Growth
61 25 63 59
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Metrics Current 2025 2024 2023
Leverage
25 38 18 18
Refinancing
1 75 77 87
Liquidity
64 61 76 66
Safety Safety
29 62 63 61

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Frequently Asked
Questions

The only positive is high growth. The stock is expensive (low Value Rank), risky to finance, and carries critical professional sentiment. This is a risky proposition. Avoid unless you have exceptional conviction that the growth alone will overcome the price and financial risks.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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