L&T Finance (NSE:LTF) OCF Yield %: -18.95 (As of Jul. 03, 2026)


NSE:LTF L&T Finance Ltd NSE:LTF
61 GF Score
Price ₹315.25
GF Value ₹239.08
Valuation Significantly Overvalued
! 6 Warning Signs
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What is L&T Finance OCF Yield %?

L&T Finance NSE:LTF +0.82% 61 OCF Yield % is -18.95 as of Jul. 03, 2026. GuruFocus rates NSE:LTF with a GF Score™ of 61/100 and a GF Value™ of ₹239.08 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 540 Credit Services companies, L&T Finance ranks worse than 80% on this metric.

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

As of today, L&T Finance's Trailing 12-Month Cash Flow from Operations is ₹0 Mil, and Market Cap is ₹789,784 Mil. Therefore, L&T Finance's OCF Yield % for today is -18.95%.

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

NSE:LTF' s OCF Yield % Range Over the Past 10 Years
Min: -18.95   Med: 0   Max: -18.95
Current: -18.95


During the past 13 years, the highest OCF Yield % of L&T Finance was -18.95%. The lowest was -18.95%. And the median was %.

NSE:LTF's OCF Yield % is ranked worse than
80% of 540 companies
in the Credit Services industry
Industry Median: -0.025 vs NSE:LTF: -18.95

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


L&T Finance OCF Yield % Explanation

Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms


L&T Finance OCF Yield % Historical Data

* Premium members only.

The historical data trend for L&T Finance's OCF 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 OCF Yield % Chart

L&T Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
OCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.48 33.02 1.74 -43.39 -23.59

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
OCF 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: OCF Yield % Comparison

For the Credit Services subindustry, L&T Finance's OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Credit Services Industry

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

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


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

L&T Finance OCF Yield % Calculation

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

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

OCF Yield %=Cash Flow from Operations / Market Cap
=-141892.4 / 601553.5172
=-23.59%

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

OCF Yield %=Cash Flow from Operations * 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 OCF Yield % →
What does a OCF Yield % of -18.95 mean?
L&T Finance (NSE:LTF) has a OCF Yield % of -18.95 as of Jul. 03, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on L&T Finance and its competitors. According to the industry distribution chart, L&T Finance ranks #432 out of 540 companies in the Credit Services industry, placing it in the top 80%.
Is L&T Finance's OCF Yield % too high?
L&T Finance's current OCF Yield % is -18.95. Based on the distribution chart, L&T Finance ranks #432 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does L&T Finance's OCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, L&T Finance ranks #432 out of 540 companies for OCF 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 OCF Yield % for a Credit Services company?
A good OCF Yield % depends on the Credit Services industry context. However, OCF 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on L&T Finance and its competitors. L&T Finance's current OCF Yield % is -18.95. 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 Significantly Overvalued. The stock's GF Value™ is ₹239.08, compared to a current price of ₹315.25 — trading 31.9% above its estimated fair value. The current OCF Yield % is -18.95. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For L&T Finance (NSE:LTF), the current OCF Yield % is -18.95 as of Jul. 03, 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 ₹315.25 is trading 31.9% above its estimated GF Value™ of ₹239.08. GuruFocus considers L&T Finance to be Significantly Overvalued.

Key valuation signals for NSE:LTF:

  • OCF Yield %: -18.95
  • GF Value™: ₹239.08 vs. price of ₹315.25 (31.9% 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

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

₹315.25
Price
₹239.08
GF Value