Laxmi India Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1045.10 | 32.05 | 650674.48 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1049.00 | 21.81 | 246827.97 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1858.00 | 27.59 | 158685.46 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 371.70 | 29.20 | 157781.78 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 237.70 | 75.95 | 156956.68 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11150.00 | 14.01 | 124092.26 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.00 | 10.36 | 117831.00 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 399.10 | 26.62 | 109254.11 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 315.00 | 24.81 | 78950.11 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.00 | 27.48 | 62522.95 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 692.90 | 26.45 | 57563.70 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| LAXMIINDIA | 127.95 | 11.85 | 670.37 | 0.00 | 165.73 | 1595.45 | 934.97 | 1241.82 | 12.72 | 64.67 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| 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:
- -20%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 13%
- 3 Years:
- 14%
- Last Year:
- 14%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| PER SHARE | |||||
| EPS (₹) | 9.22 | 8.72 | 11.31 | 8.61 | 9.52 |
| Book Value (₹) | 79.70 | 83.28 | 101.56 | 61.58 | 88.85 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 4.88 | 4.65 | 6.04 | 9.06 | 9.96 |
| PROFITABILITY | |||||
| Operating Margin % | 72.12% | 66.36% | 65.10% | 65.75% | 64.08% |
| Net Margin % | 15.01% | 12.33% | 12.98% | 14.65% | 15.70% |
| ROE % | 11.57% | 11.44% | 12.68% | 15.68% | 13.79% |
| ROCE % | 12.92% | 13.00% | 13.02% | 13.71% | 12.72% |
| 2.62% | 2.39% | 2.55% | 3.00% | 3.08% | |
| EFFICIENCY | |||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | |||||
| Debt to Equity (x) | 3.25x | 4.03x | 3.80x | 4.42x | 2.88x |
| Interest Coverage (x) | 1.39x | 1.35x | 1.36x | 1.41x | 1.48x |
| 3.64x | 22.83x | 7.98x | 0.46x | 0.41x | |
| GROWTH | |||||
| Revenue Growth % | 0.00% | 32.72% | 33.67% | 41.92% | 29.02% |
| Operating Profit Growth % | 0.00% | 22.12% | 33.31% | 43.03% | 25.52% |
| Net Profit Growth % | 0.00% | 9.00% | 40.69% | 60.24% | 38.20% |
| 0.00% | 0.00% | 29.74% | -23.88% | 10.56% | |
| VALUATION | |||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 7.53x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.81x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 5.86x | 6.00x | 7.81x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - Laxmi India Finance Limited has informed the Exchange about Transcript
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 - Laxmi India Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-22 - Laxmi India Finance Limited has informed the Exchange about Letters to Shareholders/Debenture holders
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 - 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 - Laxmi India Finance Limited has informed the Exchange about Link of Recording
2026-08-17 - Laxmi India Finance Limited has informed the Exchange about Schedule of meet
News
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