1. Is L&T Finance Holdings Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that L&T Finance Holdings Ltd is a average quality company.
2. Is L&T Finance Holdings Ltd undervalued or overvalued?
The key valuation ratios of L&T Finance Holdings Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is L&T Finance Holdings Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of L&T Finance Holdings Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||3,943||5,056||6,196||7,289||8,341||10,213||13,004||14,106||13,353||11,930||12,038|
|YoY Gr. Rt. %||-||28.2%||22.6%||17.6%||14.4%||22.5%||27.3%||8.5%||-5.3%||-10.7%||-|
|Adj EPS (₹ )||4||2.8||4||3.7||5||5.9||10.4||7.9||3.9||4.3||5.4|
|YoY Gr. Rt. %||-||-28.6%||42.9%||-9.2%||35.5%||17.9%||77.1%||-23.8%||-50.2%||10.2%||-|
|BVPS (₹ )||29.6||31.5||34.1||37.5||41.2||52.9||62||67.3||75.2||79.9||82.5|
|YoY Gr. Rt. %||-||6.4%||8.4%||9.9%||9.8%||28.4%||17.3%||8.6%||11.7%||6.2%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||2.3||1.5||1.8||1.5||1.5||1.6||2.4||1.6||0.7||0.8||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||13.1%||7.4%||-2.8%||-10.7%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0||0||0||0||0||0||0||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||0||0||0||0||0||0||0||0||0||0||-|
|Net Profit Margin (%)||18.5||11.8||13.7||11.7||12.5||12.5||17.2||12.1||5.5||7.1||11.1|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||14.3||10.5||14||12.8||14.1||13.4||18.1||12.2||4.5||4.4||6.5|
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 6.60%
Total Income has declined -4.89 CAGR in last 3 years
Net Profit has declined -25.23 CAGR in last 3 years
|TTM EPS (₹)||2.3||5.4|
|TTM Sales (₹ Cr.)||415||12,038|
|BVPS (₹.) ⓘ||46||82.5|
|Reserves (₹ Cr.) ⓘ||8,917||17,955|
|From the Market|
|52 Week Low / High (₹)||58.50 / 92.20|
|All Time Low / High (₹)||37.30 / 198.67|
|Market Cap (₹ Cr.)||22,625|
|Equity (₹ Cr.)||2,478.1|
|Face Value (₹)||10|
|Industry PE ⓘ||28.7|
L&T Finance Holdings was originally incorporated as L&T Capital Holdings Limited on May 1, 2008 under the Companies Act, as a public limited company, to carry on the business of investment/finance. The company received the certificate of commencement of business on May 15, 2008. The company subsequently changed the name to L&T Finance Holdings Limited pursuant to a special resolution passed by the shareholders at a general meeting dated September 1, 2010. Pursuant to the change of name, a fresh certificate of incorporation was granted to the company by the Registrar of Companies on September 6, 2010. The company was registered with the RBI under Section 45-IA of the Reserve Bank of India Act, 1934, as a non-banking financial institution. The company is promoted by Larsen & Toubro Limited, one of the leading companies in India, with interests in engineering, construction, electrical and electronics manufacturing and services, information technology and financial services, as a holding company for its financial services business.
Business area of the company
L&T Finance Holdings is one of India’s most valued and fastest-growing Non-Banking Financial Companies (NBFCs). The company offers a diverse range of financial products and services in rural, housing and infrastructure finance sectors. It also offers Investment management services.
Products offered by the company