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L&T Finance Limited Q2 FY27 earnings call summary

NSE: LTF · BSE: 533519

Earnings call of 16 Oct 2026, summarised by AI from the filing.

L&T Finance posts record Q2 FY27 PAT of ₹975 cr, up 33% YoY, and reiterates 2%-2.2% credit cost guidance by Q4 FY27.

Key takeaways

  1. Record PAT Highest-ever consolidated PAT of ₹975 cr in Q2 FY27, up 33% YoY (Q1 FY27: ₹902 cr).
  2. IRDAI risk Draft IRDAI commission cuts could hit insurance fee income; impact not yet quantified.

Original filing on BSE

L&T Finance Limited Q2 FY27 results

As filed: Revenue ₹5,484 cr (+26% year on year), EBITDA ₹3,361 cr (+26% year on year), PAT ₹973 cr (+32% year on year), EBITDA margin 61.3% (−38 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹5,243 cr (+23% year on year), EBITDA ₹3,269 cr (+25% year on year), PAT ₹916 cr (+31% year on year), EBITDA margin 62.4% (+84 bps). Score 81 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 84 bps year on year. Share price after the results: −4.1% in 28 days (Nifty 500: +1.6%).
  • Q4 FY26: Revenue ₹4,771 cr (+19% year on year), EBITDA ₹2,881 cr (+18% year on year), PAT ₹809 cr (+27% year on year), EBITDA margin 60.4% (−34 bps). Score 72 of 100, Above trend. Revenue and profit growth were well above the company's own trend; EBITDA growth was above it. EBITDA margin fell 34 bps year on year. Share price after the results: −6.9% in 28 days (Nifty 500: +0.4%).
  • Q3 FY26: Revenue ₹4,578 cr (+12% year on year), EBITDA ₹2,778 cr (+15% year on year), PAT ₹738 cr (+18% year on year), EBITDA margin 60.7% (+160 bps). Score 59 of 100, In line with trend. EBITDA margin rose 160 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −1.3% in 28 days (Nifty 500: −0.7%).
  • Q2 FY26: Revenue ₹4,336 cr (+8% year on year), EBITDA ₹2,674 cr (+9% year on year), PAT ₹735 cr (+5% year on year), EBITDA margin 61.7% (+86 bps). Score 47 of 100, In line with trend. EBITDA margin rose 86 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +8.3% in 30 days (Nifty 500: +2.0%).
  • Q1 FY26: Revenue ₹4,260 cr (+13% year on year), EBITDA ₹2,620 cr (+14% year on year), PAT ₹701 cr (+2% year on year), EBITDA margin 61.5% (+71 bps). Score 51 of 100, In line with trend. EBITDA margin rose 71 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −0.5% in 27 days (Nifty 500: −2.6%).
  • Q4 FY25: Revenue ₹4,023 cr (+10% year on year), EBITDA ₹2,443 cr (+19% year on year), PAT ₹636 cr (+15% year on year), EBITDA margin 60.7% (+487 bps). Score 61 of 100, In line with trend. EBITDA margin rose 487 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +1.2% in 28 days (Nifty 500: +4.3%).
  • Q3 FY25: Revenue ₹4,095 cr, EBITDA ₹2,411 cr, PAT ₹619 cr, EBITDA margin 58.9%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

L&T Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.