L&T Finance Share Price

Finance company L&T; Finance announced Q1FY27 results Consolidated Financial Highlights: Revenue from Operations: Stood at Rs 5,212.92 crore for Q1FY27. This represents a YoY growth of 22.38% compared to Rs 4,259.57 crore in Q1FY26, and a QoQ increase of 9.26% from Rs 4,771.03 crore in Q4FY26. Total Income: Reached Rs 5,243.31 crore in Q1FY27, marking a YoY increase of 23.09% from Rs 4,259.60 crore in Q1FY26. On a QoQ basis, it grew by 9.90% against Rs 4,771.10 crore in the preceding quarter. Profit Before Tax (PBT): Reported at Rs 1,236.28 crore for Q1FY27, reflecting a robust YoY increase of 31.07% from Rs 943.22 crore in Q1FY26. On a QoQ basis, PBT increased by 15.12% compared to Rs 1,073.92 crore in Q4FY26. Profit After Tax (PAT): Stood at Rs 915.99 crore for Q1FY27. This showcases a YoY surge of 30.70% compared to Rs 700.84 crore, and a QoQ growth of 13.20% from Rs 809.16 crore. Total Comprehensive Income: Reported at Rs 915.04 crore for Q1FY27, a YoY increase of 36.41% from Rs 670.80 crore and a QoQ increase of 7.29% from Rs 852.84 crore. Earnings Per Share (EPS): Basic EPS (not annualized) for Q1FY27, stood at Rs 3.60, improving from Rs 2.81 YoY and Rs 3.22 QoQ. Standalone Financial Highlights: Revenue from Operations: Stood at Rs 5,212.84 crore for Q1FY27, a YoY increase of 22.46% from Rs 4,256.75 crore and a QoQ increase of 5.93% from Rs 4,920.79 crore. Total Income: Reached Rs 5,243.49 crore, translating to an increase of 23.17% YoY from Rs 4,257.07 crore, and a growth of 6.55% QoQ from Rs 4,921.16 crore. Profit Before Tax (PBT): Recorded at Rs 1,213.17 crore, demonstrating a YoY growth of 29.95% from Rs 933.55 crore, and a marginal QoQ increase of 0.14% from Rs 1,211.48 crore. Profit After Tax (PAT): Reached Rs 895.32 crore for Q1FY27, reflecting a YoY growth of 28.99% from Rs 694.09 crore, but registering a QoQ decline of 5.47% from Rs 947.09 crore. Business Highlights: Rural Business Finance: Book size up 22% YoY to Rs 32,493 crore vs. Rs 26,616 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 6,961 crore vs. Rs 5,618 crore, up 24% YoY. Farmer Finance: Book size up 11% YoY to Rs 17,514 crore vs. Rs 15,756 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 2,453 crore vs. Rs 2,200 crore, up 11% YoY. Two-wheeler Finance: Book size up 22% YoY to Rs 15,068 crore vs. Rs 12,331 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 3,006 crore vs. Rs 2,128 crore, up 41% YoY. Personal Loans: Book size up 80% YoY to Rs 16,917 crore vs. Rs 9,383 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 4,380 crore vs. Rs 1,942 crore, up 126% YoY. Housing Loans and Loan Against Property (LAP): Book size up 20% YoY to Rs 31,630 crore in Q1FY27 vs. Rs 26,464 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 3,401 crore vs. Rs 2,780 crore, up 22% YoY. SME Finance: Book size up 28% YoY to Rs 8,884 crore in Q1FY27 vs. Rs 6,964 crore in Q1FY26. Quarterly disbursements for Q1FY27 at Rs.1,567 crore vs. Rs 1,273 crore, up 23% YoY Gold Finance: Book size up 182% YoY to Rs 3,829 crore in Q1FY27 vs. Rs 1,360 in Q1FY26. Quarterly disbursements for Q1FY27 at Rs 1,928 crore vs. Rs 1,530 crore, up 26% YoY Sudipta Roy, Managing Director & CEO, LTF, said: “Q1FY27 was another quarter where we remained focused on disciplined execution amidst an evolving macroeconomic environment marked by geopolitical uncertainties, inflationary pressures and elevated borrowing costs. Despite these external factors, our diversified retail franchise continued to demonstrate resilience, delivering strong business momentum and healthy book growth in line with the goals of our Lakshya 31 strategic plan. Our consistent investments in technology, analytics and AI continue to be a key differentiator, both in terms of customer experience as well as credit outcomes. In our bid to transform into an AI-native organization, we are increasingly embedding our proprietary AI ecosystem across the entire lending stack from sourcing and underwriting through our in-house AI credit engine ‘Project Cyclops’ to portfolio monitoring through ‘Project Nostradamus’ and our expanding suite of in-house developed AI copilots and agents. These capabilities are enabling superior credit selection, improved customer experience, faster turnaround times and enhanced operating efficiencies, while strengthening the quality and sustainability of our growth. The economy continues to exhibit resilience, supported by healthy government spending, improving infrastructure and sustained consumption trends. We are also pleased to note that our Rural Business Finance vertical has resumed its growth trajectory, with healthy business parameters across new customer acquisition, disbursement growth and collection efficiencies. As we embark on the first full year of our Lakshya 31 journey, our focus remains on delivering consistent, profitable and high-quality growth. We will continue to invest in innovation, strengthen our distribution capabilities and enhance customer experience as we build a future-ready, AI-native financial institution that will be resilient across economic cycles.” Result PDF

• Trendlyne
• 20 hours 3 minutes ago

Conference Call with L&T; Finance Management and Analysts on Q4FY26 & Full Year Performance and Outlook. Listen to the full earnings transcript.

• Trendlyne
• 2 months 2 weeks ago

Finance company L&T; Finance announced Q4FY26 & FY26 results Q4FY26 Standalone Financial Highlights: Total Income: Reported at Rs 4,921.16 crore, a growth of 7.41% QoQ from Rs 4,581.71 crore and a growth of 22.28% YoY from Rs 4,024.43 crore. Net Profit: Reported at Rs 947.09 crore, an increase of 29.49% QoQ from Rs 731.42 crore and a growth of 50.20% YoY compared to Rs 630.59 crore. Earnings Per Share (EPS): Basic EPS stood at Rs 3.78 for the quarter, an increase of 29.45% QoQ from Rs 2.92 and 49.41% YoY from Rs 2.53. Total Comprehensive Income: Reported at Rs 990.74 crore, reflecting a growth of 38.23% QoQ and 55.08% YoY. Q4FY26 Consolidated Financial Highlights: Total Income: Reported at Rs 4,771.10 crore, an increase of 4.14% QoQ from Rs 4,581.49 crore and a growth of 18.47% YoY from Rs 4,027.22 crore. Net Profit: Reported at Rs 809.16 crore, up 9.64% QoQ from Rs 737.99 crore and up 27.26% YoY from Rs 635.84 crore. Earnings Per Share (EPS): Basic EPS stood at Rs 3.22, up 9.15% QoQ and 26.27% YoY. Total Comprehensive Income: Reported at Rs 852.84 crore, representing an increase of 17.91% QoQ and 32.41% YoY. FY26 Standalone Financial Highlights: Total Income: Stood at Rs 18,054.20 crore for FY26, a growth of 13.33% YoY compared to Rs 15,930.12 crore in FY25. Net Profit: Reported at Rs 3,100.31 crore, showing a growth of 18.43% YoY from Rs 2,617.81 crore. Net Cash Flows: Net cash used in operating activities was Rs (14,236.69) crore, compared to Rs (16,608.17) crore in the previous year. Earnings Per Share (EPS): Basic EPS for the year was Rs 12.40, a growth of 18.10% YoY from Rs 10.50. Dividend: Recommended a final dividend of Rs 2.75 per Equity Share (27.5% of face value Rs 10). FY26 Consolidated Financial Highlights: Total Income: Stood at Rs 17,917.03 crore for FY26, showing a growth of 12.39% YoY compared to Rs 15,940.98 crore in FY25. Net Profit (Attributable to Owners): Reported at Rs 2,981.18 crore, a growth of 12.77% YoY from Rs 2,643.66 crore. Net Cash Flows: Net cash used in operating activities was Rs (14,189.24) crore, compared to Rs (16,587.47) crore in the previous year. Earnings Per Share (EPS): Basic EPS for the year was Rs 11.92, a growth of 12.35% YoY from Rs 10.61. Business Highlights: New Business Entry: The Board approved entering the business of pre-paid instruments (wallets and cards) and acting as a Third-Party Application Provider, subject to regulatory approvals. Fund Raising: Approved raising funds via non-convertible debentures (NCDs) up to an aggregate amount of Rs 1,23,500 crore. Also approved the issuance of cumulative compulsorily redeemable non-convertible preference shares up to Rs 6,012 crore. Acquisition: On June 9, 2025, the company acquired the gold loan business of Paul Merchants Finance Private Limited (PMFL) for a total consideration of Rs 711.93 crore. Labour Code Impact: The group accounted for an estimated one-time incremental impact as an Exceptional Item amounting to Rs 28.51 crore (Consolidated) and Rs 28.43 crore (Standalone) due to the recognition of past service costs under the New Labour Codes. Asset Quality: Standalone Gross Stage 3 assets stood at 3.41% as of March 31, 2026, compared to 3.69% in the previous year. Net Stage 3 assets improved to 1.44% from 1.84% YoY. Capital Adequacy: Standalone Capital Adequacy Ratio (CRAR) stood at 18.84% as of March 31, 2026. Appointments: Appointed Mr. Sachinn Joshi (as CFO and Whole-time Director for 2 years) and Mr. Raju Dodti (as Whole-time Director for 3 years), effective upon regulatory approvals. Sudipta Roy, Managing Director & CEO, LTF, said: “FY26 has been a good year for us, despite significant headwinds in our microfinance business in the initial months of the year and the end of the year closing with geopolitical tensions. Through the course of the year, we remained steadfast in our approach—tightening credit and risk administration frameworks, strengthening collections infrastructure, accelerating our AI-led technology transformation and continuously focusing on growth across all our business lines. On the microfinance business, our focus was on navigating the cycle with prudence and our efforts have yielded results, with business parameters across both disbursements and collection efficiencies now reverting to near pre-crisis levels, giving us confidence that FY27 will be a stable and productive year for this segment. FY26 also marks the successful completion of our Lakshya 26 strategic plan, achieving most of our stated objectives even amid volatility in the credit environment. This reflects the resilience of our diversified franchise, disciplined execution, and the strength of the digital and analytics capabilities that we built during the plan period. As we embark on our next five-year strategic roadmap, Lakshya 31, we are setting ourselves ambitious and measurable targets to drive consistent growth with improved profitability. While global geopolitical uncertainties persist, we remain confident that the solid foundation established during the Lakshya 26 period will enable us to deliver steady outcomes and create long-term value for all stakeholders and truly transform L&T; Finance into a Risk-first, Technology-first, Multi-product Retail Financier of Choice.” Result PDF

• Trendlyne
• 2 months 2 weeks ago