LTF.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio14.62
Net Profit Margin0.30
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity3.27
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.30
Return on Assets0.00
Return on Equity0.10
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio3.27
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio14.62
Gross Profit Margin0.00
Price to Book Ratio1.45
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of L&T Finance Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 1027180000000 1063620000000 1069020000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 125704000000 145407000000 121241000000
Held To Maturity Securities - - -
Available For Sale Securities 21307300000 27503900000 28829500000
Financial Assets Fair Value 102542000000 116158000000 90339900000
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 1451500000 1335800000 1512300000
Other Intangible Assets 1317500000 1201800000 1378300000
Goodwill 134000000 134000000 134000000
Net Ppe 4129000000 4067600000 561500000
Accumulated Depreciation -1353700000 -1212300000 -1099200000
Gross Ppe 5482700000 5279900000 1660700000
Construction In Progress 30800000 21000000 9200000
Other Properties 1158200000 1065100000 807600000
Machinery Furniture Equipment 1177400000 1077500000 833000000
Buildings And Improvements 1557000000 1557000000 10900000
Land And Improvements 1559300000 1559300000 -
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 332100000 387800000 266500000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable 2916700000 6772800000 6993600000
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 36541500000 89040700000 60880700000
Cash Equivalents - - -
Cash Financial 15600000 95700000 72300000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 728867000000 741394000000 787274000000
Total Debt 766035000000 831049000000 848510000000
Total Liabilities Net Minority Interest 791896000000 847443000000 867747000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 766035000000 831049000000 848510000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 15335000000 10998700000 8101200000
Other Payable 581500000 595500000 845900000
Dividends Payable 11200000 11700000 13400000
Total Tax Payable 2523800000 2327600000 2915800000
Accounts Payable 12218500000 8063900000 4326100000
Common Stock Equity 234384000000 215284000000 199477000000
Total Capitalization 999793000000 1045720000000 1047630000000
Total Equity Gross Minority Interest 235280000000 216178000000 201275000000
Minority Interest 895500000 894400000 1798300000
Stockholders Equity 234384000000 215284000000 199477000000
Other Equity Interest 1096900000 1410300000 1827000000
Treasury Stock - - -
Retained Earnings 76490600000 62993000000 54231000000
Additional Paid In Capital 79621300000 78720600000 77898700000
Capital Stock 24889400000 24796700000 24740400000
Common Stock 24889400000 24796700000 24740400000

Income statement interpretation for L&T Finance Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 78592300000 65212600000 55904100000
Operating Revenue 78592300000 65212600000 55904100000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 23201000000 16232500000 10701100000
Net Income From Continuing Operation Net Minority Interest 23201000000 -6421200000 8701000000
Net Income From Continuing And Discontinued Operation 23201000000 16232500000 10701100000
Net Income Common Stockholders 23201000000 16232500000 10701100000
Net Income Including Noncontrolling Interests 23171300000 15364800000 10492400000
Net Income Discontinuous Operations - 22653700000 2000100000
Net Income Continuous Operations 23171300000 -7288900000 8492300000
Normalized Income 23205593000 13997509400 8701257250
Normalized Ebitda - - -
Total Unusual Items -6000000 -26842000000 -300000
Total Unusual Items Excluding Goodwill -6000000 -26842000000 -300000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 1145800000 1108600000 995400000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 35072400000 28334000000 22635900000
Other Operating Expenses 8907700000 6210400000 6394100000
Depreciation And Amortization In Income Statement 1147700000 1112400000 1026400000
Amortization 783300000 812300000 668600000
Depreciation Income Statement 364400000 300100000 357800000
Selling General And Administration 6417600000 6629800000 4035600000
Selling And Marketing Expense 1034100000 602000000 31000000
General And Administrative Expense 5383500000 6027800000 4004600000
Rent And Landing Fees 454000000 247400000 149100000
Tax Provision 7119000000 1723700000 3736200000
Pretax Income 30290300000 -5565200000 12228500000
Other Non Operating Income Expenses - - -
Special Income Charges -6000000 -26842000000 -300000
Other Special Charges 6000000 26842000000 300000
Write Off - - 1026400000
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 9.30 6.54 4.32
Basic Eps 9.34 6.56 4.33
Diluted Ni Avail To Com Stockholders 23201000000 16232500000 10701100000
Net Income From Continuing Operations 30290300000 21828200000 14748100000
Minority Interests 29700000 867700000 208700000

Cash flow analysis for L&T Finance Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 6734700000 67182500000 60780600000
Changes In Cash -55153300000 47196800000 -20284900000
Taxes Refund Paid -3178600000 -11464100000 -3721100000
Change In Working Capital 29251700000 -2639800000 -423400000
Change In Other Current Liabilities - - -
Change In Other Current Assets - - -
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items -6752000000 21352900000 3301900000
Stock Based Compensation 378500000 265700000 201100000
Provision And Write Off Of Assets 13225500000 15605600000 17165400000
Depreciation And Amortization 1145800000 1108600000 995400000
Amortization Cash Flow 783300000 812300000 668600000
Depreciation 362500000 296300000 326800000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 8486200000 -3347600000 -50835400000
Net Other Investing Changes - 33356500000 -14824000000
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale 9406600000 -35743600000 -35245400000
Sale Of Investment 54749200000 53806400000 24546400000
Purchase Of Investment -45342600000 -89550000000 -59791800000
Net Business Purchase And Sale 261000000 - -
Sale Of Business 261000000 - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -1181400000 -960500000 -766000000
Sale Of Ppe 6200000 318700000 9500000
Purchase Of Ppe -1187600000 -1279200000 -775500000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow -70374200000 -16638100000 -30230100000
Net Other Financing Charges 30800000 -36200000 35500000
Interest Paid Cff - - -
Cash Dividends Paid -4966100000 -1237500000 -
Common Stock Dividend Paid -4966100000 -1237500000 -
Net Common Stock Issuance 425100000 93700000 206800000
Common Stock Payments - - -
Common Stock Issuance 425100000 93700000 206800000
Repurchase Of Capital Stock - -3539000000 -10572000000
Repayment Of Debt -243631000000 -241483000000 -201758000000
Issuance Of Debt 177767000000 229564000000 181863000000
Issuance Of Capital Stock 425100000 93700000 206800000
Net Issuance Payments Of Debt -65864000000 -11919100000 -19895200000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance -65864000000 -11919100000 -19895200000
Long Term Debt Payments -243631000000 -241483000000 -201758000000
Long Term Debt Issuance 177767000000 229564000000 181863000000
Net Preferred Stock Issuance - -3539000000 -10572000000
Preferred Stock Payments - -3539000000 -10572000000

Summary

Fundamental Overview of LTF.NS (L&T Finance Limited)

Above is the summary for fundamental analysis of L&T Finance Limited , whose ticker name is LTF.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The L&T Finance Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 14.62, LTF.NS has a net profit margin of 0.30, the acid test ratio for LTF.NS is 0.00, LTF.NS has an inventory turnover of 0.00, and LTF.NS has debt-to-equity ratio of 3.27.

The LTF.NS whose company name is L&T Finance Limited has made profit/loss of 0 with total revenue of 78592300000, LTF.NS has assets worth of 1027180000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

2. How to Use Our Tool

  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
  • Once you land on the Stock Analytics Page, click on “Fundamental Analysis”; this will take you to the fundamental analysis page.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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