L&T Finance (NSE:LTF) ROC %: % (As of Mar. 2026)


NSE:LTF L&T Finance Ltd NSE:LTF
61 GF Score
Price ₹299.00
GF Value ₹237.72
Valuation Modestly Overvalued
! 3 Warning Signs
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What is L&T Finance ROC %?

L&T Finance NSE:LTF +0.83% 61 ROC % is % as of Mar. 2026. GuruFocus rates NSE:LTF with a GF Score™ of 61/100 and a GF Value™ of ₹237.72 (Modestly Overvalued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

NSE:LTF
61GF Score
L&T Finance Ltd NSE:LTF
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
L&T Finance (NSE:LTF) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on L&T Finance and its competitors.
Is L&T Finance's ROC % too high?
L&T Finance's current ROC % is %. 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 ROC % compare to V and MA?
L&T Finance's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on L&T Finance and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. L&T Finance's current ROC % is %. 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 ₹237.72, compared to a current price of ₹299.00 — trading 25.8% above its estimated fair value. The current ROC % is %. L&T Finance's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For L&T Finance (NSE:LTF), the current ROC % is % as of Mar. 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 ₹299.00 is trading 25.8% above its estimated GF Value™ of ₹237.72. GuruFocus considers L&T Finance to be Modestly Overvalued.

Key valuation signals for NSE:LTF:

  • ROC %: %
  • GF Value™: ₹237.72 vs. price of ₹299.00 (25.8% above fair value)
  • GF Score™: 61/100 with 3 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

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

₹299.00
Price
₹237.72
GF Value