L&T Finance Ltd
L&T Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Q4FY26 is expected to continue the unabated growth trajectory seen in Q3FY26, with a focus on disbursement growth across all business lines. Q3FY26 showed robust business momentum driven by macro-tailwinds; expected to continue into Q4FY26 and FY27.
From L&T Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Q4FY26 is expected to continue the unabated growth trajectory seen in Q3FY26, with a focus on disbursement growth across all business lines.
- The company plans to announce its "Lakshya 31" growth plans in the April quarter, setting fresh targets for business expansion.
- Retail disbursements stood at ₹22,701 Cr in the quarter, up 49% YoY and 20% QoQ, with the retail book growing 21% YoY and 7% QoQ, indicating strong momentum.
- Specific segment growth: Farmer Finance disbursements grew 12% YoY and 68% QoQ; Two-Wheeler Finance up 33% YoY and 28% QoQ; Personal Loans up 118% YoY and 23% QoQ; SME Finance up 24% YoY and 6% QoQ; Gold Loan branches expanding rapidly with 330+ new branches planned in FY26.
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Profitability & Margins
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Capital Expenditure Plans
- The company is actively investing in technology and branch expansion, including:
- Continuing investments in technology upgrades and digital initiatives like Project Cyclops and Project Nostradamus, with full implementation targeted by March 2026 for Two-Wheeler business and H1FY27 for Personal Loan and Rural Business Finance.
- Expansion of over 330 new Gold Loan branches planned in FY26, including integration of some into the multi-product 'Sampoorna' branch network.
- Setting up 1 new Gold Loan branch per day and additional branches for Rural LAP and Sampoorna formats.
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Top-ranked in Finance
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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Continue your research
What L&T Finance Ltd's management said in earlier quarters
- Q2 FY27 earnings call analysis →
- Q1 FY27 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q2 FY26 earnings call →
- Q1 FY26 earnings call →
- Q4 FY25 earnings call →
- Q3 FY25 earnings call →
- Q2 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
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Frequently Asked Questions
What were L&T Finance Ltd Q3 FY26 results?
Q4FY26 is expected to continue the unabated growth trajectory seen in Q3FY26, with a focus on disbursement growth across all business lines. Q3FY26 showed robust business momentum driven by macro-tailwinds; expected to continue into Q4FY26 and FY27.
What is L&T Finance Ltd share price analysis?
L&T Finance Ltd currently shows a neutral. The stock trades at a P/E of 24.9 with a market cap of ₹79,792 Cr. Investors should review the full earnings analysis for detailed insights.
Is L&T Finance Ltd planning capital expenditure?
The company is actively investing in technology and branch expansion, including: - Continuing investments in technology upgrades and digital initiatives like Project Cyclops and Project Nostradamus, with full implementation targeted by March 2026 for Two-Wheeler business and H1FY27 for Personal Loan and Rural Business Finance.
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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.