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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, fully valued — carrying meaningful debt.
L&T Finance is scored on the nbfc / financials framework. It keeps a healthy 16.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at 25%/yr. Book value has grown 9%/yr. Return on equity is a modest 11.7%. In the latest quarter profit grew 6% versus the prior quarter.
At 23× earnings, the stock sits at the 66th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price implies ~9%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 20.2 | 10.88 | worse |
| P/B | 2.37 | 1.4 | worse |
| EV/EBITDA | 12.37 | 14.13 | better |
| ROE | 11.7 | — | — |
| ROCE | 7.84 | — | — |
| ROA | 2.64 | — | — |
| Quick Ratio | 0.29 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 12% CAGR over 3 years — steady double-digit compounder.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (25% vs 12%) — margin expansion is at work.
Operating margin has expanded from -4% to 22% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 11% — modest; the capital isn't working hard. Capital efficiency improving — ROE up 14pp across the window.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (25% vs 22%) — share dilution is eroding per-share value. 22% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 5% sequentially — momentum is building. Run-rate stepping up — recent quarters average 14% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 65.9% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.