Lakshmi Finance & Industrial Corporation 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
- Solid return on assets for a lender - ROA of 6.0%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has delivered good sales growth of 23.0% CAGR over last 5 years
- Company has a consistent dividend-paying track record
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Recent results are weak - TTM profit is down 51.5% versus prior year
- Company has a low return on capital employed of 9.9%
- Company has a low return on equity of 9.2% over last 3 years
- Operating margins have contracted to 34.5% from 80.9%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| 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 |
| LFIC | 152.52 | 33.16 | 45.76 | 1.64 | 4.04 | 7.84 | 6.13 | 44.92 | 4.29 | 92.74 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 3 | 5 | 3 | 6 | 3 | 2 | 2 | 4 | 0 | 2 | 2 | 6 | |
| 0 | 0 | 0 | 2 | 0 | 1 | 5 | 6 | 0 | 3 | 0 | 7 | 0 | |
| Operating Profit | 4 | 3 | 5 | 2 | 6 | 4 | -3 | -5 | 5 | -2 | 2 | -5 | 6 |
| OPM % | 119.55% | 90.49% | 93.79% | 52.63% | 113.31% | 149.65% | -168.42% | -301.91% | 119.62% | -476.47% | 85.71% | -251.61% | 92.74% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 4 | 3 | 5 | 2 | 6 | 4 | -3 | -5 | 5 | -2 | 2 | -5 | 6 | |
| Tax % | 27.72% | 24.09% | 19.87% | -8.52% | 23.68% | 18.40% | 38.04% | 45.00% | 25.20% | 26.79% | 30.05% | 41.06% | 28.23% |
| Net Profit | 3 | 2 | 4 | 2 | 5 | 3 | -2 | -3 | 4 | -1 | 1 | -3 | 4 |
| 9 | 7 | 12 | 6 | 16 | 12 | -7 | -9 | 12 | -4 | 4 | -9 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 4 | 6 | 3 | 3 | 15 | 8 | 4 | 15 | 8 | 11 | |
| 1 | 1 | 2 | 3 | 12 | 1 | 2 | 3 | 2 | 5 | 11 | |
| Operating Profit | 3 | 3 | 4 | -0 | -10 | 14 | 6 | 0 | 13 | 3 | -0 |
| OPM % | 75.89% | 69.78% | 69.62% | -13.28% | -351.83% | 90.95% | 80.77% | 9.28% | 87.24% | 34.48% | -1.01% |
| 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 4 | 3 | 5 | -0 | -9 | 14 | 6 | 0 | 13 | 2 | 1 |
| Tax % | 3.39% | 1.28% | 2.57% | 4249.71% | 28.46% | 34.59% | 8.76% | -210.49% | 19.02% | -47.16% | -17.64% |
| Net Profit | 4 | 3 | 5 | 1 | -7 | 9 | 6 | 1 | 10 | 4 | 1 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -21.95 | 30.51 | 19.02 | 1.84 | 34.59 | 11.93 | — |
| Dividend Payout % | 28.92% | 33.38% | 25.99% | 120.72% | -9.11% | 9.83% | 15.77% | 108.99% | 11.56% | 25.14% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 2%
- 5 Years:
- 23%
- 3 Years:
- -1%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -3%
- 5 Years:
- —
- 3 Years:
- -14%
STOCK PRICE CAGR
- 10 Years:
- 12%
- 5 Years:
- 13%
- 3 Years:
- -1%
- 1 Year:
- -31%
RETURN ON EQUITY
- 10 Years:
- 8%
- 5 Years:
- 13%
- 3 Years:
- 9%
- Last Year:
- 6%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| 33 | 36 | 39 | 38 | 31 | 39 | 44 | 44 | 54 | 56 | |
| 2 | 1 | 1 | 1 | -2 | 2 | 3 | 2 | 3 | 2 | |
| Total Liabilities | 38 | 40 | 44 | 42 | 32 | 45 | 50 | 49 | 60 | 61 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 32 | 37 | 34 | 35 | 27 | 38 | 40 | 46 | 52 | 54 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 4 | 2 | 6 | 7 | 5 | 5 | 9 | 2 | 6 | 4 |
| 1 | 1 | 3 | 0 | 1 | 2 | 1 | 1 | 1 | 1 | |
| Total Assets | 38 | 40 | 44 | 42 | 32 | 45 | 50 | 49 | 60 | 61 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -2 | -1 | -4 | 2 | 1 | -2 | 0 | 2 | -3 | -3 | |
| Cash from Investing | 3 | 0 | 9 | 0 | -0 | 3 | 6 | -4 | 8 | 2 |
| Cash from Financing | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 |
| -1 | -2 | 4 | 1 | -0 | -1 | 5 | -4 | 4 | -3 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-01 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange about Copy of Newspaper Publication for 102nd AGM NOTICE
2026-08-27 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange that Record date for the purpose of Dividend is 22-Sep-2026.
2026-08-27 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 29, 2026
2026-08-13 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - Lakshmi Finance & Industrial Corporation Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-21 - The Exchange had sought clarification from Lakshmi Finance & Industrial Corporation Limited for the quarter ended 31-Mar-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company was required to clarify the following: The response of the Company is enclosed.
2026-07-07 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30.06.2026
2026-06-25 - Lakshmi Finance & Industrial Corporation Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-06-24 - The Exchange has sought clarification from Lakshmi Finance & Industrial Corporation Limited for the quarter ended 31-Mar-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.
News
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