L&T Finance (NSE:LTF) FCF Yield %: -18.54 (As of Jul. 01, 2026)


NSE:LTF L&T Finance Ltd NSE:LTF
61 GF Score
Price ₹310.75
GF Value ₹238.49
Valuation Modestly Overvalued
! 6 Warning Signs
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What is L&T Finance FCF Yield %?

L&T Finance NSE:LTF +3.91% 61 FCF Yield % is -18.54 as of Jul. 01, 2026. GuruFocus rates NSE:LTF with a GF Score™ of 61/100 and a GF Value™ of ₹238.49 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 540 Credit Services companies, L&T Finance ranks worse than 77.41% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, L&T Finance's Trailing 12-Month Free Cash Flow is ₹-144,287 Mil, and Market Cap is ₹778,336 Mil. Therefore, L&T Finance's FCF Yield % for today is -18.54%.

The historical rank and industry rank for L&T Finance's FCF Yield % or its related term are showing as below:

NSE:LTF' s FCF Yield % Range Over the Past 10 Years
Min: -19.27   Med: 0   Max: 0
Current: -18.54


NSE:LTF's FCF Yield % is ranked worse than
77.41% of 540 companies
in the Credit Services industry
Industry Median: -0.465 vs NSE:LTF: -18.54

L&T Finance's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.


L&T Finance FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


L&T Finance FCF Yield % Related Terms


L&T Finance FCF Yield % Historical Data

* Premium members only.

The historical data trend for L&T Finance's FCF Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

L&T Finance FCF Yield % Chart

L&T Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.09 32.39 1.44 -43.90 -23.99

L&T Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

NSE:LTF vs V, MA, AXP: FCF Yield % Comparison

For the Credit Services subindustry, L&T Finance's FCF Yield %, along with its competitors' market caps and FCF Yield % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


L&T Finance FCF Yield % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, L&T Finance's FCF Yield % distribution charts can be found below:

* The bar in red indicates where L&T Finance's FCF Yield % falls into.


NSE:LTF
61GF Score
L&T Finance Ltd NSE:LTF
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

L&T Finance FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

L&T Finance's FCF Yield % for the fiscal year that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=-144287 / 601553.5172
=-23.99%

L&T Finance's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 601553.5172
=0.00%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of -18.54 mean?
L&T Finance (NSE:LTF) has a FCF Yield % of -18.54 as of Jul. 01, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on L&T Finance and its competitors. According to the industry distribution chart, L&T Finance ranks #418 out of 540 companies in the Credit Services industry, placing it in the top 77.4%.
Is L&T Finance's FCF Yield % too high?
L&T Finance's current FCF Yield % is -18.54. Based on the distribution chart, L&T Finance ranks #418 out of 540 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, L&T Finance has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does L&T Finance's FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, L&T Finance ranks #418 out of 540 companies for FCF Yield %. This places L&T Finance in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on L&T Finance and its competitors. L&T Finance's current FCF Yield % is -18.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is L&T Finance stock overvalued right now?
Based on GuruFocus' analysis, L&T Finance (NSE:LTF) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹238.49, compared to a current price of ₹310.75 — trading 30.3% above its estimated fair value. The current FCF Yield % is -18.54. L&T Finance's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For L&T Finance (NSE:LTF), the current FCF Yield % is -18.54 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is L&T Finance (NSE:LTF) Overvalued in 2026?

Based on GuruFocus' analysis, L&T Finance stock appears to be overvalued. The current stock price of ₹310.75 is trading 30.3% above its estimated GF Value™ of ₹238.49. GuruFocus considers L&T Finance to be Modestly Overvalued.

Key valuation signals for NSE:LTF:

  • FCF Yield %: -18.54
  • GF Value™: ₹238.49 vs. price of ₹310.75 (30.3% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the NSE:LTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


L&T Finance Business Description

Other Exchanges 533519:India
Address C.S.T. Road, Plot No. 177, Brindavan, Kalina, Santacruz (East), Mumbai, MH, IND, 400098
L&T Finance Ltd upper layer Non-Banking Financial Company (NBFC) in India, offering lending options and catering to diverse financing needs of both urban and rural segments. It has a lending business catering to the diverse financing needs of served and underserved customers. L&T Finance offers Personal loans, Two-Wheeler loans, Home loans, Rural Business loans, Farm loans, and SME loans.
61GF Score

Get the complete analysis for NSE:LTF

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹310.75
Price
₹238.49
GF Value