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Lakshmi Finance & Industrial Corporation Ltd (LFIC)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: LFIC Finance - NBFC | Small Cap | Lakshmi Finance&Indl Share Price

BSE Share Price
Not Listed

Lakshmi Finance & Industrial Corporation Ltd (LFIC)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: LFIC Finance - NBFC | Small Cap | Lakshmi Finance&Indl Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹43 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹-2.4
Book Value per Share
₹190.8
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
25.2
Price to Book (P/B)
0.74
Lower than its 5-year historical median
EV/EBITDA
-37.71
Lower than its 5-year historical median
Dividend Yield
1.74%
Profitability Efficiency
Return on Equity (ROE)
6.21%
Return on Capital Employed (ROCE)
4.29%
Return on Assets (ROA)
5.96%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-48.45%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
4.14%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹6.5 Cr.
Reserves
₹57 Cr.
Equity
₹3 Cr.
Face Value
₹10
All Time Low / High
- / -

Lakshmi Finance & Industrial Corporation stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is Lakshmi Finance & Industrial Corporation Ltd a good quality company?
Lakshmi Finance & Industrial Corporation Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Lakshmi Finance & Industrial Corporation Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Lakshmi Finance & Industrial Corporation Ltd vs Industry Peers?
Lakshmi Finance & Industrial Corporation Ltd AUM CAGR is 13.46%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Lakshmi Finance & Industrial Corporation Ltd?
Promoters hold 47.00% of the Lakshmi Finance & Industrial Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Lakshmi Finance & Industrial Corporation Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 11.38% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Lakshmi Finance & Industrial Corporation Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)4.54.16.12.92.71583.614.97.76
YoY Gr. Rt. %--9.2%48.5%-51.9%-7%449.2%-47.1%-54.9%314%-48.2%-
Adj EPS (₹ ) 12.110.515.42.1-2230.5191.834.611.9-2.4
YoY Gr. Rt. %--13.3%46.7%-86.6%-1160.4%NA-37.7%-90.3%1779.9%-65.5%-
BVPS (₹ )118.7129.1140.3137.7112.4140.8156.8155.6188.4196.2190.8
YoY Gr. Rt. %-8.8%8.7%-1.9%-18.4%25.3%11.4%-0.8%21.1%4.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)9.98.111.11.5-17.723.812.11.119.160

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income6%23%-1.1%-48.2%
Adj EPS-0.2%NA-14.4%-65.5%
BVPS5.8%11.8%7.8%4.1%
Share Price - 11.1% -1.9% -32.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)8076.375.521.1-240.760.971.715.369.946.5-11.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)10.68.511.41.5-17.624.112.81.220.16.2-1.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 4.924.496.653.493.3115.497.973.6014.897.72
Interest Income4.544.126.122.942.7415.037.963.5914.867.69
Other Income 000.25210.9500.051.5402.81
Exceptional Items 0.380.370.530.550.580.470.010.010.030.03
Expenditure + 1.161.301.913.5112.521.501.713.422.075.29
Interest Expense 0000.030.020.010.040.030.010.04
Operating Expenses 1.161.301.661.471.551.491.631.852.062.44
Provisions 000.25210.9500.051.5402.81
Exceptional Items 0000000000
Profit Before Tax 3.763.194.74-0.01-9.2113.996.250.1812.812.43
Taxes 0.130.040.12-0.64-2.624.840.55-0.372.44-1.15
Profit After Tax 3.633.154.620.62-6.599.155.710.5510.383.58
Adjusted EPS (₹)12.110.515.42.1-22.030.519.01.834.611.9
Dividend Payout Ratio (%)28.90%33.40%26%120.70%-9.10%9.80%15.80%109%11.60%25.10%

Valuation of Lakshmi Finance&Indl - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +35.5938.7442.0941.3233.7242.2347.0546.6856.5158.85
Share Capital 3333333333
Reserves 32.5935.7439.0938.3230.7239.2344.0543.6853.5155.85
Short term borrowings0000000000
Long Term Borrowings0.210.220.51-0.20-2.621.481.551.032.420.61
Current Liabilities 1.980.820.901.141.080.921.170.990.791.05
Trade Payables0000.010.010.020.020.020.010.02
Other Liabilities-0-0-0-0.01-0.01-0.02-0.02-0.02-0.01-0.02
Total Liabilities 37.7939.7843.5042.2532.1744.6449.7648.7059.7260.50

Assets

Non Current Asset +32.4036.6234.1934.9626.8338.6040.8146.4552.9055.31
Loan Asset 0000000000
Other Non Current Asset 32.4036.6234.1934.9626.8338.6040.8146.4552.9055.31
Current Asset +5.393.169.317.295.346.048.952.256.825.20
Current Investment0000000000
Other Current Asset5.393.169.317.295.346.048.952.256.825.20
Total Assets 37.7939.7843.5042.2532.1744.6449.7648.7059.7260.50

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -3.04-1.10-3.961.880.79-2.96-0.191.24-3.27-3.29
Cash Flow From Investing Activity 2.880.178.640.40-0.292.635.81-4.277.632.16
Cash Flow From Financing Activity -0.87-0.95-1.01-1.19-0.87-0.71-1.06-1.12-0.86-1.40
Net Cash Flow -1.04-1.893.671.10-0.37-1.044.56-4.153.50-2.53

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)12.1010.5015.402.10-2230.50191.8034.6011.90
DPS (₹)3.503.5042.50233243
BVPS (₹)118.7129.1140.3137.7112.4140.8156.8155.6188.4196.2

Performance Ratios

ROA (%)9.98.111.11.5-17.723.812.11.119.16.0
ROE (%)10.68.511.41.5-17.624.112.81.220.16.2
ROCE (%)10.98.611.70.0-24.536.914.10.424.94.3

Valuation Parameters

Price/Book(x)0.30.50.60.60.40.60.60.80.90.9

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Lakshmi Finance & Industrial Corporation Ltd FAQs

The current trading price of Lakshmi Finance&Indl on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of Lakshmi Finance&Indl stood at ₹42.62 Cr

The latest P/E ratio of Lakshmi Finance&Indl as of 31-Dec-1969 is 0.00.

The latest P/B ratio of Lakshmi Finance&Indl as of 31-Dec-1969 is 0.74.

The 52-week high of Lakshmi Finance&Indl is ₹0.00 and the 52-week low is ₹0.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Lakshmi Finance&Indl is ₹6.45 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Lakshmi Finance & Industrial Corporation Ltd is a below average quality company.

The key valuation ratios of Lakshmi Finance & Industrial Corporation Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Lakshmi Finance & Industrial Corporation Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Lakshmi Finance & Industrial Corporation Ltd

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