L&T Finance Limited
Financial trend (87/100) does the heavy lifting; valuation (24/100) is the drag.
Fair valueOvervaluedOur blended model reads L&T Finance Limited as a Hold at 45/100. At ₹284 it trades above our blended DCF and relative-multiples fair value of ₹192.11, about 32% downside to that estimate — we read it as overvalued by 32%. On 25.0x trailing earnings it sits roughly in line with the Financial Services median of about 24.3x. The price is about 15% below its 52-week high of ₹335.6 and 21% above the low of ₹233.88. Financial health scores 76/100, with a Piotroski F-score of 1/9. The average analyst target of ₹307.75 implies about 8% upside across 20 analysts. It clears 5 of 13 investability checks, with durability 63, valuation 48 and momentum 30 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹153.69.
Analyst views
1-year price
EOD · 2026-09-2552-week range
-15.38% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 11.1%
- Fail: Low debt (D/E < 0.5): 3.93x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 32%
- Pass: Earnings growing: 26%
- Pass: Net margin ≥ 10%: 33.1%
- Pass: Current ratio > 1.5: 2.25
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- Pass: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter66.0%
- Institutions19.7%
- Public & other14.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (33.1%).
Opportunities
- Earnings growing (26% YoY).
- Revenue growing (32% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (1/9).
Threats
- Trades ~32% above our estimated fair value.
About L&T Finance Limited
L&T Finance Limited operates as a non-banking financial company offering housing loans, personal loans for medical, home renovation, wedding, vacation, education and debt consolidation purposes, two-wheeler loans, and business loans including SME, doctor, chartered accountant and professional variants. The company also provides supply chain financing solutions and rural loan products.
L&T Finance Limited — frequently asked questions
Is L&T Finance Limited a buy, hold or sell?
StocksWizard currently rates L&T Finance Limited (LTF) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is L&T Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates L&T Finance Limited's fair value at about ₹192.11, versus a current price of ₹284 — roughly 32% downside. On that basis the stock looks overvalued by 32%.
Is L&T Finance Limited financially healthy?
L&T Finance Limited scores 76/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has L&T Finance Limited's share price performed?
L&T Finance Limited is up 18% over the past year and down 9% over three months, and last traded at ₹284. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.