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NSE/LTF (NSE/LTF)

National Stock Exchange of India: NSE/LTF · INR

₹247

+5.71 (+2.4%)· Recorded snapshot

Market cap	615.6B
Revenue (ttm)	103.1B
Net income (ttm)	34.2B
EPS (ttm)	₹13.6
Shares out	2.5B
P/E (trailing)	18.1x
P/E (forward)	13.8x
Dividend	₹2.75 (1.12%)
Volume	4,197,942
Beta	0.68

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-10-15
Employees	41,301
Employees change	4,780
Employees growth	13.09%
Exchange	National Stock Exchange of India
Financial currency	INR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	March
Founded	1994
Industry	Credit Services
Is primary listing	Yes
ISIN number	INE498L01015
Last earnings date	2026-10-15
Last refreshed	2026-10-28
Market cap	INR 615.6B
Next earnings date	2027-01-15
Price	INR 246.50
Price currency	INR
Sector	Financials
SIC code	6159
Stock price date	2026-10-28
Symbol	nse/LTF
Website	https://www.ltfinance.com

Metric

Value

Amount currency

INR

Country

India

Country code

Earnings date

2026-10-15

Employees

41,301

Employees change

4,780

Employees growth

13.09%

Exchange

National Stock Exchange of India

Financial currency

INR

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

March

Founded

1994

Industry

Credit Services

Is primary listing

Yes

ISIN number

INE498L01015

Last earnings date

2026-10-15

Last refreshed

2026-10-28

Market cap

INR 615.6B

Next earnings date

2027-01-15

Price

INR 246.50

Price currency

INR

Sector

Financials

SIC code

6159

Stock price date

2026-10-28

Symbol

nse/LTF

Website

https://www.ltfinance.com

Metric	Value
Adjusted P/E ratio	17.99x
Average P/E ratio (10Y)	17.65x
Average P/E ratio (3Y)	19.32x
Average P/E ratio (5Y)	17.8x
Earnings yield	5.53%
FCF yield	-39.91%
Forward P/E	13.81x
Graham number	189.21807
Graham upside	-23.24%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 340.72
Lynch upside	38.22%
P/B ratio	2.05x
P/E ratio	18.09x
P/S ratio	5.83x
PEG ratio	0.51x
Price / tangible book value	2.09x
Sector forward P/E	12.12x
Sector P/E	13.42x

Metric

Value

Adjusted P/E ratio

17.99x

Average P/E ratio (10Y)

17.65x

Average P/E ratio (3Y)

19.32x

Average P/E ratio (5Y)

17.8x

Earnings yield

5.53%

FCF yield

-39.91%

Forward P/E

13.81x

Graham number

189.21807

Graham upside

-23.24%

Industry forward P/E

11.14x

Industry P/E

12.93x

Lynch fair value

INR 340.72

Lynch upside

38.22%

P/B ratio

2.05x

P/E ratio

18.09x

P/S ratio

5.83x

PEG ratio

0.51x

Price / tangible book value

2.09x

Sector forward P/E

12.12x

Sector P/E

13.42x

Metric	Value
Effective tax rate	25.65%
Gross margin	99.56%
Operating margin	45.1%
Pretax margin	44.82%
Profit margin	33.2%
Profit per employee	INR 828,747
Profitable quarters	58
Profitable years	17
Revenue per employee	INR 2.5M
ROA	2.41%
ROA (5Y)	1.39%
ROE	12.33%
ROE (5Y)	6.6%
ROIC	2.37%
ROIC (5Y)	1.99%
SBC / revenue	0.18%
Tax / revenue	11.5%

Metric

Value

Effective tax rate

25.65%

Gross margin

99.56%

Operating margin

45.1%

Pretax margin

44.82%

Profit margin

33.2%

Profit per employee

INR 828,747

Profitable quarters

Profitable years

Revenue per employee

INR 2.5M

ROA

2.41%

ROA (5Y)

1.39%

ROE

12.33%

ROE (5Y)

6.6%

ROIC

2.37%

ROIC (5Y)

1.99%

SBC / revenue

0.18%

Tax / revenue

11.5%

Metric	Value
EPS growth	26.42%
EPS growth (Q)	32.42%
EPS growth (QoQ)	8.08%
EPS growth 10Y	12.4%
EPS growth 3Y	17.54%
EPS growth 5Y	27.23%
EPS growth quarters	7
EPS growth years	4
Net income growth	26.84%
Net income growth (Q)	32.7%
Net income growth (QoQ)	8.05%
Net income growth 3Y	18.05%
Net income growth 5Y	28.97%
Net income growth quarters	7
Net income growth years	5
Operating income growth	30.57%
Operating income growth (Q)	33.37%
Operating income growth 3Y	18.5%
Operating income growth 5Y	23.41%
Revenue growth	29.08%
Revenue growth (Q)	31.38%
Revenue growth (QoQ)	7.23%
Revenue growth 10Y	14.39%
Revenue growth 3Y	14.31%
Revenue growth 5Y	7.37%
Revenue growth quarters	18
Revenue growth years	5

Metric

Value

EPS growth

26.42%

EPS growth (Q)

32.42%

EPS growth (QoQ)

8.08%

EPS growth 10Y

12.4%

EPS growth 3Y

17.54%

EPS growth 5Y

27.23%

EPS growth quarters

EPS growth years

Net income growth

26.84%

Net income growth (Q)

32.7%

Net income growth (QoQ)

8.05%

Net income growth 3Y

18.05%

Net income growth 5Y

28.97%

Net income growth quarters

Net income growth years

Operating income growth

30.57%

Operating income growth (Q)

33.37%

Operating income growth 3Y

18.5%

Operating income growth 5Y

23.41%

Revenue growth

29.08%

Revenue growth (Q)

31.38%

Revenue growth (QoQ)

7.23%

Revenue growth 10Y

14.39%

Revenue growth 3Y

14.31%

Revenue growth 5Y

7.37%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	INR -3.1B
Depreciation and amortization	INR 1.4B
EPS	INR 13.63
FCF per share	INR -96.10
Financing cash flow	INR 243.6B
Free cash flow	INR -240B
Free cash flow minus SBC	INR -240.2B
Gross profit	INR 102.7B
Income taxes	INR 11.9B
Investing cash flow	INR 22.9B
Net borrowing	INR 250.4B
Net cash flow	INR 29.6B
Net income	INR 34.2B
Operating cash flow minus SBC	INR -237.1B
Operating income	INR 46.5B
Revenue	INR 103.1B
Stock-based compensation	INR 188.9M

Metric

Value

Capital expenditures

INR -3.1B

Depreciation and amortization

INR 1.4B

EPS

INR 13.63

FCF per share

INR -96.10

Financing cash flow

INR 243.6B

Free cash flow

INR -240B

Free cash flow minus SBC

INR -240.2B

Gross profit

INR 102.7B

Income taxes

INR 11.9B

Investing cash flow

INR 22.9B

Net borrowing

INR 250.4B

Net cash flow

INR 29.6B

Net income

INR 34.2B

Operating cash flow minus SBC

INR -237.1B

Operating income

INR 46.5B

Revenue

INR 103.1B

Stock-based compensation

INR 188.9M

Metric	Value
Book value per share	INR 116.76
Debt / equity	4.23
Goodwill	INR 2B
Net cash (debt)	INR -1.1T
Net cash / market cap	-189.42%
Net debt / equity	3.89
Piotroski F-Score	3
Property, plant and equipment	INR 10.4B
Shareholders' equity	INR 293B
Tangible book value	INR 287.6B
Tangible book value per share	INR 114.74
Total assets	INR 1.6T
Total cash	INR 99.5B
Total debt	INR 1.2T
Total liabilities	INR 1.3T
WACC	2.62%

Metric

Value

Book value per share

INR 116.76

Debt / equity

4.23

Goodwill

INR 2B

Net cash (debt)

INR -1.1T

Net cash / market cap

-189.42%

Net debt / equity

3.89

Piotroski F-Score

Property, plant and equipment

INR 10.4B

Shareholders' equity

INR 293B

Tangible book value

INR 287.6B

Tangible book value per share

INR 114.74

Total assets

INR 1.6T

Total cash

INR 99.5B

Total debt

INR 1.2T

Total liabilities

INR 1.3T

WACC

2.62%

Metric	Value
Asset turnover	0.07
Current ratio	52.59
Quick ratio	51.77
Working capital	INR 1.4T
Working capital turnover	0.08

Metric

Value

Asset turnover

0.07

Current ratio

52.59

Quick ratio

51.77

Working capital

INR 1.4T

Working capital turnover

0.08

Metric	Value
Buyback yield / dilution	-0.34%
Dividend growth	0%
Dividend growth (10Y)	13.14%
Dividend growth (3Y)	11.2%
Dividend growth (5Y)	40.63%
Dividend growth years	3
Dividend payment date	2026-06-27
Dividend payment years	5
Dividend payout frequency	Annual
Dividend per share	INR 2.75
Dividend yield	1.12%
Ex-dividend date	2026-05-22
Last dividend	INR 2.75
Payout ratio	20.13%
Shareholder yield	0.78%

Metric

Value

Buyback yield / dilution

-0.34%

Dividend growth

Dividend growth (10Y)

13.14%

Dividend growth (3Y)

11.2%

Dividend growth (5Y)

40.63%

Dividend growth years

Dividend payment date

2026-06-27

Dividend payment years

Dividend payout frequency

Annual

Dividend per share

INR 2.75

Dividend yield

1.12%

Ex-dividend date

2026-05-22

Last dividend

INR 2.75

Payout ratio

20.13%

Shareholder yield

0.78%

Metric	Value
10Y price change	133.32%
10Y return CAGR	10.71%
10Y total return	176.64%
150-day SMA	INR 289.34
15Y price change	380.98%
15Y return CAGR	12.63%
15Y total return	495.35%
1D price change	2.37%
1M price change	-13.2%
1M total return	-13.2%
1W price change	-2.57%
1W total return	-2.57%
1Y price change	-7.73%
1Y return CAGR	-6.78%
1Y total return	-6.78%
20-day SMA	INR 256.05
200-day SMA	INR 288.79
3M price change	-21.06%
3M total return	-21.06%
3Y price change	79.93%
3Y return CAGR	23.25%
3Y total return	87.27%
50-day SMA	INR 288.09
50-day SMA vs 200-day SMA	50under200
52-week high	INR 338.60
52-week high date	2026-07-07
52-week low	INR 229.20
52-week low date	2026-10-26
5Y price change	193.98%
5Y return CAGR	25.64%
5Y total return	213.03%
6M price change	-14.35%
6M total return	-13.47%
All-time high	INR 338.60
All-time high date	2026-07-07
All-time low	INR 40.40
All-time low date	2012-05-16
Average true range (ATR)	INR 8.92
Average volume	6.3M
Beta (1Y)	0.94
Beta (2Y)	0.9
Beta (5Y)	0.68
Change from 52-week high	-27.2%
Change from 52-week low	7.55%
Change from all-time high	-27.2%
Change from all-time low	510.15%
Change from open	2.37%
Day's gap	0%
Dollar volume	INR 1B
High price	INR 248.25
Low price	INR 237.00
Monthly RSI	51.46
Open price	INR 240.80
Position in 52-week range	84.44%
Previous close	INR 240.80
Price vs 150-day SMA	-14.81%
Price vs 20-day SMA	-3.73%
Price vs 200-day SMA	-14.64%
Price vs 50-day SMA	-14.44%
Relative volume	0.66
RSI	34.83
Sharpe ratio	-0.13
Sharpe ratio (3Y)	0.7
Sharpe ratio (5Y)	0.68
Sortino ratio	-0.03
Sortino ratio (3Y)	1.19
Sortino ratio (5Y)	1.18
Volume	4.2M
Weekly RSI	36.79
YTD price change	-21.98%
YTD total return	-21.18%

Metric

Value

10Y price change

133.32%

10Y return CAGR

10.71%

10Y total return

176.64%

150-day SMA

INR 289.34

15Y price change

380.98%

15Y return CAGR

12.63%

15Y total return

495.35%

1D price change

2.37%

1M price change

-13.2%

1M total return

-13.2%

1W price change

-2.57%

1W total return

-2.57%

1Y price change

-7.73%

1Y return CAGR

-6.78%

1Y total return

-6.78%

20-day SMA

INR 256.05

200-day SMA

INR 288.79

3M price change

-21.06%

3M total return

-21.06%

3Y price change

79.93%

3Y return CAGR

23.25%

3Y total return

87.27%

50-day SMA

INR 288.09

50-day SMA vs 200-day SMA

50under200

52-week high

INR 338.60

52-week high date

2026-07-07

52-week low

INR 229.20

52-week low date

2026-10-26

5Y price change

193.98%

5Y return CAGR

25.64%

5Y total return

213.03%

6M price change

-14.35%

6M total return

-13.47%

All-time high

INR 338.60

All-time high date

2026-07-07

All-time low

INR 40.40

All-time low date

2012-05-16

Average true range (ATR)

INR 8.92

Average volume

6.3M

Beta (1Y)

0.94

Beta (2Y)

0.9

Beta (5Y)

0.68

Change from 52-week high

-27.2%

Change from 52-week low

7.55%

Change from all-time high

-27.2%

Change from all-time low

510.15%

Change from open

2.37%

Day's gap

Dollar volume

INR 1B

High price

INR 248.25

Low price

INR 237.00

Monthly RSI

51.46

Open price

INR 240.80

Position in 52-week range

84.44%

Previous close

INR 240.80

Price vs 150-day SMA

-14.81%

Price vs 20-day SMA

-3.73%

Price vs 200-day SMA

-14.64%

Price vs 50-day SMA

-14.44%

Relative volume

0.66

RSI

34.83

Sharpe ratio

-0.13

Sharpe ratio (3Y)

0.7

Sharpe ratio (5Y)

0.68

Sortino ratio

-0.03

Sortino ratio (3Y)

1.19

Sortino ratio (5Y)

1.18

Volume

4.2M

Weekly RSI

36.79

YTD price change

-21.98%

YTD total return

-21.18%

Metric	Value
Float	844.6M
Shares change (QoQ)	-0.03%
Shares change (YoY)	0.34%
Shares held by insiders	0%
Shares held by institutions	21.12%
Shares outstanding	2.5B

Metric

Value

Float

844.6M

Shares change (QoQ)

-0.03%

Shares change (YoY)

0.34%

Shares held by insiders

Shares held by institutions

21.12%

Shares outstanding

2.5B

NSE/LTF (NSE/LTF)

Price

Financial snapshot

Fair-value bridge

Latest news · NSE/LTF

Valuation

Profitability

Balance sheet

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Sector percentile context

All NSE/LTF indicators

Profile and market data

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Profitability

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Financial statements

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Dividends and buybacks

Performance and technicals

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Frequently asked questions