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L&T Finance Limited Q4 FY26 results deck summary

NSE: LTF · BSE: 533519

Results deck of 24 Apr 2026, summarised by AI from the filing.

PAT for Q4FY26 at ₹807 cr, growth of 27% YoY; RoA at 2.40%

Key takeaways

  1. Q4 PAT PAT for Q4FY26 at ₹807 cr, growth of 27% YoY; RoA at 2.40%
  2. FY27 guidance Risk-calibrated disbursements growth trajectory is expected to sustain in FY27
  3. ECL refresh Annual ECL model refresh released ₹301 cr provision, with no P&L impact
  4. AI implementation Project Cyclops and Nostradamus scaling across products; Cyclops in Home Loans by Q3FY27
  5. Wholesale reduction Wholesale book reduced 14% YoY to ₹2,220 cr; security receipts reduced 18% YoY to ₹4,808 cr

Original filing on BSE

L&T Finance Limited Q1 FY27 results

As filed: 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).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • 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.
  • Q2 FY25: Revenue ₹4,015 cr, EBITDA ₹2,432 cr, PAT ₹689 cr, EBITDA margin 60.6%. 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.