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Investor Relations14 Oct 2025
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L&T Finance (LTF) investor relations material
L&T Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary21 Jul, 2025
Executive summary
Achieved consolidated PAT of ₹701 crore in Q1 FY26, up 10% quarter-on-quarter and 2% year-on-year, with the highest ever consolidated book at ₹1,02,314 crore and ROA of 2.37%.
Retailisation reached 98%, with retail disbursements up 18% year-on-year to ₹17,522 crore, driven by strong growth across business lines and technology investments.
Gold loan business integration completed, adding over 130 branches, 700 employees, and more than ₹1,300 crore to the book, with expansion plans underway.
International credit ratings of BBB- (S&P, Fitch) achieved, opening new global funding avenues.
Auditors issued an unmodified limited review report, confirming compliance with SEBI and RBI regulations.
Financial highlights
Consolidated total income for Q1 FY26 was ₹4,259.60 crore, up from ₹3,784.61 crore in Q1 FY25; consolidated PAT at ₹700.84 crore, up 10% sequentially.
NIM plus fee at 10.22%, up from 10.15% in the previous quarter; NIM at 8.24%.
Credit cost after macro-provision utilisation was 2.23% in Q1 FY26, down from 2.54% in Q4 FY25.
ROE at 10.86%, up 73 basis points quarter-on-quarter.
Book value per share at ₹102.4, with a dividend payout of ₹2.75 per share (~₹700 crore).
Outlook and guidance
Disbursement pace expected to accelerate, with focus on risk and technology execution; Project Cyclops to be fully implemented in key segments by Q2/Q3 FY26.
Credit cost targeted to decline to 2.3–2.5% by Q4 FY26, with further improvement expected as Cyclops matures.
ROA expected to reach 2.5% by Q4 FY26 and 2.8% by FY27; Lakshya 2026 goals remain on track.
Gold loan business expected to become a key product in both rural and urban markets.
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Next L&T Finance earnings date
Q2 202616 Oct, 2025
Next L&T Finance earnings date
Q2 202616 Oct, 2025
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Frequently asked questions
L&T Finance Limited is an India-based non-banking financial company (NBFC) that provides a range of financial products and services. The company operates in segments such as rural finance, housing finance, infrastructure finance, and investment management. Its offerings include farm equipment loans, two-wheeler loans, home loans, real estate financing, and project finance. L&T Finance serves retail, corporate, and institutional clients across urban and rural markets in India. The company is headquartered in Mumbai, India, and its shares are listed on the BSE.
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