Laxmi India Finance Ltd.

•

lifc.co.inBSE: 544465NSE: LAXMIINDIA

Market Cap₹ 693 Cr.

Current Price

High / Low₹ 181 / 71

Stock P/E12.3

Book Value₹ 92

Price to Book0.81

Dividend Yield0.00 %

ROCE12.7 %

ROE13.8 %

Face Value₹ 5

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 26.1%
Solid return on assets for a lender - ROA of 3.1%
Latest quarter profit grew 69.6% YoY, showing strong momentum
Attractively priced for its growth - PEG of 0.3

CONS

Free cash flow has been persistently negative
Equity base is being diluted - shares outstanding up 42.7%
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1040.00	31.89	647499.25	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.35	21.40	242204.36	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1829.00	27.16	156208.67	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.00	73.81	152532.57	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11093.25	13.94	123460.67	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2820.00	9.95	113214.11	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.80	26.60	109173.43	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	310.20	24.43	77747.06	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	670.00	28.02	63760.09	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.90	25.77	56068.33	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	LAXMIINDIA	132.35	12.26	693.42	0.00	16.57	69.63	93.50	34.18	12.72	64.67

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51	59	61	74	70	76	79	93	93
	18	20	23	24	24	29	32	29	72
Operating Profit	33	40	38	51	46	47	47	63	60
OPM %	64.34%	67.18%	62.71%	68.09%	66.10%	61.53%	59.77%	68.29%	64.67%
Other Income	0	1	1	1	0	1	1	1	0
Interest	24	28	30	32	33	34	34	36	38
Depreciation	0	0	1	1	0	1	1	1	1
	9	12	8	19	13	13	13	27	22
Tax %	23.79%	25.92%	23.03%	23.23%	23.41%	26.37%	25.09%	24.22%	24.36%
Net Profit	7	9	6	15	10	9	10	21	17
	2	2	0	5	2	2	2	4	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	98	130	173	246	317	341
	28	45	60	84	114	162
Operating Profit	70	85	113	162	203	179
OPM %	71.45%	65.48%	65.10%	65.75%	64.08%	52.38%
	1	1	2	2	3	3
Interest	50	63	83	115	137	142
Depreciation	1	1	2	2	2	2
Profit before Tax	20	22	30	47	66	75
Tax %	24.88%	27.47%	24.19%	23.97%	24.66%	24.78%
Net Profit	15	16	22	36	50	57
EPS	9.99	10.03	11.31	8.61	9.52	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 35%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 46%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -23%

RETURN ON EQUITY

10 Years:: —
5 Years:: 13%
3 Years:: 14%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	16	18	20	21	26
	111	134	182	237	438
	424	616	768	1,137	1,339
Trade Payables	2	1	2	2	2
	6	9	13	16	8
Total Liabilities	558	779	985	1,413	1,814
	6	10	11	13	17
	20	8	15	29	159
Cash & Bank	63	169	115	175	106
	469	592	844	1,195	1,532
Total Assets	558	779	985	1,413	1,814

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-12	-166	-224	-311	-280
Cash from Investing	-20	5	-7	-18	-134
Cash from Financing	33	213	178	390	354
	-5	48	-53	60	-60

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Aug 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	60.45	60.45	60.45	60.31	60.17
	8.72	4.61	3.31	1.58	1.40
	6.13	4.70	4.61	4.34	5.32
Government	0.00	0.00	0.00	0.00	0.00
	24.70	30.24	31.63	33.77	33.12

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-02

Committee Meeting Updates

2026-09-02 - Laxmi India Finance Limited has informed the Exchange regarding Outcome of Business Operation Committee Meeting held on September 02, 2026.

2026-08-26

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Laxmi India Finance Limited has informed the Exchange about Transcript

2026-08-25

Committee Meeting Updates

2026-08-25 - Laxmi India Finance Limited has informed the Exchange regarding Outcome of Business Operation Committee Meeting held on August 25, 2026.

2026-08-23

Copy of Newspaper Publication

2026-08-23 - Laxmi India Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-22

General Updates

2026-08-22 - Laxmi India Finance Limited has informed the Exchange about Letters to Shareholders/Debenture holders

2026-08-22

Shareholders meeting

2026-08-22 - Laxmi India Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 16, 2026

2026-08-20

Trading Window

2026-08-20 - Laxmi India Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

2026-08-20

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - Laxmi India Finance Limited has informed the Exchange about Link of Recording

2026-08-17

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Laxmi India Finance Limited has informed the Exchange about Schedule of meet

News

Recent coverage and analyst commentary for LAXMIINDIA

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Laxmi India Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1040.00

31.89

647499.25

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.35

21.40

242204.36

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1829.00

27.16

156208.67

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.00

73.81

152532.57

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

11093.25

13.94

123460.67

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2820.00

9.95

113214.11

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.80

26.60

109173.43

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

310.20

24.43

77747.06

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

670.00

28.02

63760.09

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

674.90

25.77

56068.33

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

LAXMIINDIA

132.35

12.26

693.42

0.00

16.57

69.63

93.50

34.18

12.72

64.67

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Operating Profit

OPM %

64.34%

67.18%

62.71%

68.09%

66.10%

61.53%

59.77%

68.29%

64.67%

Other Income

Interest

Depreciation

Tax %

23.79%

25.92%

23.03%

23.23%

23.41%

26.37%

25.09%

24.22%

24.36%

Net Profit

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

130

173

246

317

341

114

162

Operating Profit

113

162

203

179

OPM %

71.45%

65.48%

65.10%

65.75%

64.08%

52.38%

Interest

115

137

142

Depreciation

Profit before Tax

Tax %

24.88%

27.47%

24.19%

23.97%

24.66%

24.78%

Net Profit

EPS

9.99

10.03

11.31

8.61

9.52

—

Dividend Payout %

0.00%

—

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

111

134

182

237

438

424

616

768

1,137

1,339

Trade Payables

Total Liabilities

558

779

985

1,413

1,814

159

Cash & Bank

169

115

175

106

469

592

844

1,195

1,532

Total Assets

558

779

985

1,413

1,814

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-12

-166

-224

-311

-280

Cash from Investing

-20

-7

-18

-134

Cash from Financing

213

178

390

354

-5

-53

-60

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Aug 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

60.45

60.31

60.17

8.72

4.61

3.31

1.58

1.40

6.13

4.70

4.61

4.34

5.32

Government

0.00

24.70

30.24

31.63

33.77

33.12

Laxmi India Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Laxmi India Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI