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Laxmi India Finance Q1 FY27 Share Price & Earnings Call Analysis

₹96.30+0.16% today
Market cap
₹503 Cr
P/E
8.89
ROE
13.76%
PEG
0.18
Price to sales
1.46
Debt to equity
2.87
52W high / low
₹155 / ₹70.9
Sales growth (5Y)
29.00%
EBITDA margin
63.82%
Net profit margin
15.70%
Promoter holding
60.17%
Sales (last year)
₹341 Cr

Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]

Guidance scorecard · Q1 FY27 call

What Laxmi India Finance Ltd's management guided
and where it ranks in Finance

#37of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ1 FY27 call

20–40%
  • Laxmi India Finance targets AUM growth of approximately 30% to 35% annually over the medium term.
  • PAT growth guidance for FY27 remains at approximately 40% to 45%, with strong Q1 performance ahead of this range.
  • Growth driven by maturation of new branches, expansion into new states (e.g., Uttar Pradesh, Maharashtra), and increased density in existing markets.
  • Product focus remains on secured MSME lending, with plans to add new products and expand branch network by 30-35 branches annually.
  • Management aims to build a scalable, high-quality lending franchise with sustainable returns rather than just balance sheet expansion.

2 more points from Laxmi India Finance Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Laxmi India Finance Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Laxmi India Finance plans to raise additional equity capital of around INR 300-350 crores starting mid next financial year to support balance sheet growth and maintain leverage between 3.5x to 4x.
  • Branch expansion plans include opening 30 to 35 new branches in existing states during the year, focusing on Tier 2 and Tier 3 cities, to deepen market presence.
  • Continuous focus on investment in underwriting, collection discipline, and liability management to sustain growth and asset quality.
  • Technology investments include further digitalization of the loan process, aiming to move physical loan agreement signing to eSign soon.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what Laxmi India Finance Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising
  • The focus of the discussion is primarily on financial results, loan book growth, disbursements, funding costs, branch expansion, asset quality, profitability, and strategic outlook in MSME lending. There is no reference to order book or pending orders in…
Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Laxmi India Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Laxmi India Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Laxmi India Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +5159617470767993
Interest2428303233343436
Expenses +1820232424293229
Financing Profit91181913131327
Financing Margin %17%19%13%25%18%17%17%29%
Other Income +01110111
Depreciation00110111
Profit before tax91281913131327
Tax %24%26%23%23%23%26%25%24%
Net Profit +796151091021
EPS in Rs4.141.473.482.341.801.923.93
Gross NPA %0.97%1.07%1.28%1.59%2.40%
Net NPA %0.53%0.48%0.68%0.85%1.24%

Financials of Laxmi India Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +8998130173246317
Interest50506383115137
Expenses +2128456084114
Financing Profit192022294766
Financing Margin %21%20%17%17%19%21%
Other Income +011223
Depreciation111222
Profit before tax182022304766
Tax %41%25%27%24%24%25%
Net Profit +101516223650
EPS in Rs8.619.52
Dividend Payout %0%0%0%0%0%0%

Financials of Laxmi India Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital141618202126
Reserves85111134182237439
Borrowing3914116157671,1371,337
Other Liabilities +212011161815
Total Liabilities5125587799851,4131,818
Fixed Assets +5610111317
CWIP000000
Investments12081529159
Other Assets +5055327619591,3701,642
Total Assets5125587799851,4131,818

Financials of Laxmi India Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-5-19-169-224-311-280
Cash from Investing Activity +-1-205-7-18-134
Cash from Financing Activity +3333213178390354
Net Cash Flow27-548-5360-60
Free Cash Flow-5-19-175-226-315-286
CFO/OP0%-17%-195%-193%-185%-128%

Financials of Laxmi India Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%13%11%13%16%14%

Guidance history

How Laxmi India Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlannedPlannedRising
Q4 FY26 call →40%+FlatPlannedPlanned—
Q3 FY26 call →20–40%Up 0–2%PlannedPlannedRising
Q2 FY26 call →20–40%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

10out of 100

Momentum score · price trend

10 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−38.4%13%
Last 6 months−14.2%29%
Last 3 months−20.0%16%

The price is 45.2% below its all-time high of ₹175.87 (18 Sept 2025). Stocks more than 20% below their peak have their score halved, so 20 became 10.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Laxmi India Finance Ltd: 0.4 × 13 + 0.4 × 29 + 0.2 × 16 = 20, halved to 10 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Laxmi India Finance Ltd's management said in earlier quarters

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