Laxmi India Finance Ltd.

•

lifc.co.inBSE: 544465NSE: LAXMIINDIA

Market Cap₹ 670 Cr.

Current Price

High / Low₹ 181 / 71

Stock P/E11.9

Book Value₹ 92

Price to Book0.81

Dividend Yield0.00 %

ROCE12.7 %

ROE13.8 %

Face Value₹ 5

Add ratio to table

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	1045.10	32.05	650674.48	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1049.00	21.81	246827.97	1.03	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1858.00	27.59	158685.46	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	371.70	29.20	157781.78	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	237.70	75.95	156956.68	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11150.00	14.01	124092.26	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2935.00	10.36	117831.00	1.02	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	399.10	26.62	109254.11	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.81	78950.11	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.00	27.48	62522.95	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	692.90	26.45	57563.70	0.58	785.20	38.31	4937.90	18.71	9.09	57.98
12.	LAXMIINDIA	127.95	11.85	670.37	0.00	165.73	1595.45	934.97	1241.82	12.72	64.67

Detailed Comparison with:

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

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

Loading news…

🤖

AI Stock Analyst

Laxmi India Finance Ltd.

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

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

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

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

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

Inventory Days

Payable Days

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%

29.74%

-23.88%

10.56%

VALUATION

P/E (x)

0.00x

7.53x

P/B (x)

0.00x

0.81x

Dividend Yield %

0.00%

0.00x

5.86x

6.00x

7.81x

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