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L&T Finance Ltd

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L&T Finance Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹310
Market cap₹78.4K Cr
P/E24.5
Updated23 Sept 2026
Read4 min read

The short version

FY27 disbursement momentum is strong, with retail disbursements up 62% YoY in Q4FY26. FY27 RoA target of 2.8% to be achieved by exit FY27, a progression from current 2.64% credit cost and efforts to reduce it to 2%-2.2% by FY27-end.

From L&T Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

  • FY27 disbursement momentum is strong, with retail disbursements up 62% YoY in Q4FY26.
  • Retail loan book grew 26% YoY to ₹1,19,508 Cr; overall book size at ₹1,21,728 Cr.
  • Two-Wheeler segment disbursements up 58% YoY quarterly; book up 17% YoY.
  • Personal Loans quarterly disbursements grew 98% YoY; book increased 70% YoY.
  • Home Loans / LAP disbursements up 34% YoY; book grew 20% YoY.
  • SME business disbursements grew 20% YoY quarterly; book up 30% YoY.
  • Gold Finance disbursements surged 97% QoQ; book increased 63.7% QoQ.
  • Targeting over 20% AUM growth for FY27, factoring in geopolitical and economic risks.

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Profitability & Margins

See what L&T Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • Continued investment in technology, especially AI tools and infrastructure, to maintain and enhance execution lead.
  • Annual AI conference RAISE to uphold thought leadership in AI within BFSI sector.
  • Pan-organization tech DNA upgrade planned for FY27 to equip operating managers and distribution workforce with AI productivity tools and training.
  • Deployment of over 400 new gold loan branches in FY27, with at least 100 as multi-product Sampoorna branches.
  • Opening 150-200 micro-loan branches and 150-200 micro-LAP branches in FY27, supporting geographical expansion.

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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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

The provided transcript and document pages do not specifically mention the current or expected order book or pending orders for L&T Finance Limited. The discussion mainly focuses on: - Portfolio quality improvement under Project Cyclops. - Credit cost trajectory aiming to reduce from 2.64% to 2-2.2% by FY27. - Branch expansion plans: 150-200 micro-loan branches, 150-200 micro-LAP branches, and 400-500 gold loan branches in FY27. - Strong growth in disbursements across portfolios like Two-Wheeler, Personal Loans, and SME finance.

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Frequently Asked Questions

What were L&T Finance Ltd Q4 FY26 results?

FY27 disbursement momentum is strong, with retail disbursements up 62% YoY in Q4FY26. FY27 RoA target of 2.8% to be achieved by exit FY27, a progression from current 2.64% credit cost and efforts to reduce it to 2%-2.2% by FY27-end.

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 24.5 with a market cap of ₹78,399 Cr. Investors should review the full earnings analysis for detailed insights.

Is L&T Finance Ltd planning capital expenditure?

Continued investment in technology, especially AI tools and infrastructure, to maintain and enhance execution lead.

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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.