LTF 2026-Q4

L&T Finance Ltd LTF

2026-Q4 · bank rulebook · Watch
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4.30

Quality

3.50
Score 5
5.8%
Avg NIM, 5 years
Score 5
5.4%
Avg ROA, 5 years
Score 2
8%
Avg ROE, 5 years
 
—
Avg CASA ratio
Score 2
2
Moat

Growth

4.00
 
—
Advances CAGR, 5 years
Score 5
32%
PAT CAGR, 5 years
Score 3
3
Runway

Valuation

5.00
Score 5
-91.17%
P/B vs own 5y average
 
—
P/B vs peer average

Risk

5.00
 
—
Gross NPA
 
—
Gross NPA trend
Score 5
18.6%
Capital adequacy
Score 5
5
Governance

A dashed outline marks a judgement I made rather than a figure the rules computed.

3.50Quality
4.00Growth
5.00Valuation
3.00Momentum
5.00Risk

Action this quarter: Watching

Scored on the rulebook as it stood on 2026-10-21, and frozen at publication.

Educational model portfolio. Not investment advice. No client money is managed.