L&T Finance profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	11.2%	11.2%	10.8%	10.4%	7.8%
	2.3%	2.3%	2.4%	2.2%	1.4%
	7.5%	7.5%	7.8%	7.2%	6.4%
	39.5%	39.5%	40.1%	40.4%	37.8%
	2.1%	2.1%	2.5%	1.7%	2.0%
	17.1%	16.7%	16.6%	17.1%	12.0%
Leverage
	5.07×	5.07×	4.70×	4.37×	4.92×
	3.92×	3.92×	3.60×	3.25×	3.84×
Additional
	25.6%	25.4%	24.3%	23.5%	−31.0%
	—	23.0%	23.5%	21.4%	8.1%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

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LTF₹236.85

L&T Finance Ltd.

· Banking & Finance

₹ CrorePeersCHOLAFIN SHRIRAMFIN MANAPPURAM M&MFIN MOTILALOFS IREDA ICICIAMC TATAINVESTMcap ₹59,316 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	7.83	10.35	10.79	11.17	11.17
Return on Assets	1.44	2.22	2.37	2.27	2.27
Margins & Efficiency
Net Interest Margin (on avg assets)	6.35	7.21	7.77	7.54	7.54
Cost to Income	37.76	40.42	40.07	39.51	39.51
Credit Cost (impairment / avg loans)	1.98	1.69	2.50	2.06	2.06
Net Income Margin	12.03	17.06	16.60	16.65	17.11
Leverage
Leverage (Assets/Equity)	4.92	4.37	4.70	5.07	5.07
Total Debt/Equity	3.84	3.25	3.60	3.92	3.92
Additional
Effective Tax Rate	-30.97	23.50	24.28	25.39	25.65
Dvd Payout Ratio	8.05	21.43	23.55	23.02	—

No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.