Laxmi India Finance Ltd
Laxmi India Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Laxmi India Finance targets a consistent year-on-year growth of 30-35% in Assets Under Management (AUM), aiming to exceed ₹5,000 crore in 5 years. The company expects to maintain a 30-35% year-on-year growth in AUM and business scale (Page 22).
From Laxmi India Finance Ltd's Q3 FY26 earnings-call transcript · updated 26 Aug 2026.
Revenue & Sales Performance
- Laxmi India Finance targets a consistent year-on-year growth of 30-35% in Assets Under Management (AUM), aiming to exceed ₹5,000 crore in 5 years.
- The company is actively expanding its branch network, having added 20-23 branches recently, with plans to enter Maharashtra soon.
- Focus remains on secured lending with strong asset quality to ensure sustainable growth and profitability.
- Operational efficiencies and cost reductions, especially lowering the cost of funds to single digits post credit rating upgrade, are expected to boost ROA from current ~2.53% to 3.5-3.75%.
- The company prefers organic growth over co-lending currently but may explore co-lending once current capital is utilized.
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Profitability & Margins
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Capital Expenditure Plans
- The company is actively expanding its branch network, having added 20-23 new branches this year and planning more, including entry into Maharashtra soon (Page 16, 21, 22).
- Investment in technology is ongoing, with robust systems like mobile applications for sourcing, bidding, and case management, along with integration of payment collection via WhatsApp/link for seamless customer payments (Pages 14, 16).
- Focus is on securing more capital base to support 30-35% year-on-year growth in AUM without hurdles (Pages 21, 22).
- No current plans for entering gold loan business due to cost and risk; however, future opportunities may be explored if appropriate (Page 20).
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Laxmi India Fin.'s management said in earlier quarters
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Frequently Asked Questions
What were Laxmi India Finance Ltd Q3 FY26 results?
Laxmi India Finance targets a consistent year-on-year growth of 30-35% in Assets Under Management (AUM), aiming to exceed ₹5,000 crore in 5 years. The company expects to maintain a 30-35% year-on-year growth in AUM and business scale (Page 22).
What is Laxmi India Finance Ltd share price analysis?
Laxmi India Finance Ltd currently shows a neutral. The stock trades at a P/E of 14.1 with a market cap of ₹701 Cr. Investors should review the full earnings analysis for detailed insights.
Is Laxmi India Finance Ltd planning capital expenditure?
The company is actively expanding its branch network, having added 20-23 new branches this year and planning more, including entry into Maharashtra soon (Page 16, 21, 22).
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.