Laxmi India Finance
- P/E
- 9.40
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 2.88
- EPS (TTM)
- ₹10.81
- Book Value
- ₹88.85
- Market Cap
- —
- P/E (TTM)
- 9.40
- P/B
- 1.14
- ROE
- 13.80%
- Dividend Yield
- 0.00%
- 52W High
- ₹154.44
- 52W Low
- ₹71.06
- Volume
- 0
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › Finance › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
| Laxmi India Finance (this company) | ₹101.57 | 9.40 | ₹547 Cr | 1.14 | 0.00% | 13.80% | — | ₹341 Cr | ₹57 Cr |
| Median 8 companies | ₹730.88 | 21.95 | ₹1,22,695 Cr | 2.71 | 0.54% | 15.55% | — | ₹32,679 Cr | ₹5,615 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 56
- Good
- Returns, margins, earnings quality 22% weight
- Valuation
- 47
- Average
- Cheap vs sector & own history 24% weight
- Growth
- 80
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 37
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 25
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
1- Company has delivered good profit growth of 36.5% CAGR over last 5 years
Weaknesses
2- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 10 | 5 | 4 |
| Oscillators | Neutral | 2 | 5 | 2 |
| Moving Averages | Strong Bearish | 8 | 0 | 2 |
Oscillators
Neutral
Overall
Strong Bearish
Moving Averages
Strong Bearish
Key readings
- RSI (14)
- 44.58
- Neutral
- MACD (12,26,9)
- −5.27
- Bullish
- SMA (50)
- 115.66
- Bearish
- SMA (200)
- 109.84
- Bearish
As of
Growth Rate
From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 5Y | +28.92% |
|---|---|
| 3Y | +34.60% |
| 1Y | +28.86% |
| TTM | +29.55% |
Net profit
| 5Y | +37.97% |
|---|---|
| 3Y | +46.20% |
| 1Y | +38.89% |
| TTM | +42.50% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2021 | ₹89.00 Cr |
|---|---|
| Mar 2022 | ₹98.00 Cr |
| Mar 2023 | ₹130 Cr |
| Mar 2024 | ₹173 Cr |
| Mar 2025 | ₹246 Cr |
| Mar 2026 | ₹317 Cr |
Net profit by year
| Mar 2021 | ₹10.00 Cr |
|---|---|
| Mar 2022 | ₹15.00 Cr |
| Mar 2023 | ₹16.00 Cr |
| Mar 2024 | ₹22.00 Cr |
| Mar 2025 | ₹36.00 Cr |
| Mar 2026 | ₹50.00 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 51 | 59 | 61 | 74 | 70 | 76 | 79 | 93 | 94 |
| Expenses | 18 | 20 | 23 | 24 | 24 | 29 | 32 | 29 | 33 |
| Financing Profit | 9 | 11 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Fin. Margin % | 17% | 19% | 13% | 25% | 18% | 17% | 17% | 29% | 24% |
| Other Income | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 |
| Interest | 24 | 28 | 30 | 32 | 33 | 34 | 34 | 36 | 38 |
| Depreciation | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
| PBT | 9 | 12 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Tax % | 24% | 26% | 23% | 23% | 23% | 26% | 25% | 24% | 24% |
| Net Profit | 7 | 9 | 6 | 15 | 10 | 9 | 10 | 21 | 17 |
| EPS (₹) | — | 4.14 | 1.47 | 3.48 | 2.34 | 1.8 | 1.92 | 3.93 | 3.16 |
| Gross NPA % | — | — | 0.97% | 1.07% | 1.28% | 1.59% | 2.4% | — | — |
| Net NPA % | — | — | 0.53% | 0.48% | 0.68% | 0.85% | 1.24% | — | — |
Profit & Loss
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 89 | 98 | 130 | 173 | 246 | 317 | 341 |
| Expenses | 21 | 28 | 45 | 60 | 84 | 114 | 123 |
| Financing Profit | 19 | 20 | 22 | 29 | 47 | 66 | 75 |
| Fin. Margin % | 21% | 20% | 17% | 17% | 19% | 21% | 22% |
| Other Income | 0 | 1 | 1 | 2 | 2 | 3 | 3 |
| Interest | 50 | 50 | 63 | 83 | 115 | 137 | 142 |
| Depreciation | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| PBT | 18 | 20 | 22 | 30 | 47 | 66 | 75 |
| Tax % | 41% | 25% | 27% | 24% | 24% | 25% | — |
| Net Profit | 10 | 15 | 16 | 22 | 36 | 50 | 57 |
| EPS (₹) | — | — | — | — | 8.61 | 9.52 | 10.81 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 14 | 16 | 18 | 20 | 21 | 26 |
| Reserves | 85 | 111 | 134 | 182 | 237 | 439 |
| Borrowing | 391 | 411 | 615 | 767 | 1,137 | 1,337 |
| Other Liabilities | 21 | 20 | 11 | 16 | 18 | 15 |
| Total Liabilities | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
| Fixed Assets | 5 | 6 | 10 | 11 | 13 | 17 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 20 | 8 | 15 | 29 | 159 |
| Other Assets | 505 | 532 | 761 | 959 | 1,370 | 1,642 |
| Total Assets | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
Cash Flow
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | −5 | −19 | −169 | −224 | −311 | −280 |
| Investing | −1 | −20 | 5 | −7 | −18 | −134 |
| Financing | 33 | 33 | 213 | 178 | 390 | 354 |
| Net Cash Flow | 27 | −5 | 48 | −53 | 60 | −60 |
| Free Cash Flow | −5 | −19 | −175 | −226 | −315 | −286 |
| CFO/OP | 0 | −17 | −195 | −193 | −185 | −128 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 11% | 13% | 11% | 13% | 16% | 14% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Laxmi India Finance insights
61 extracted metrics across FY21–FY27.
Documents
- Concall · Aug 2026Transcript Recording
- Q1 FY27 concall · Aug 2026Transcript PPT Recording
- Q4 FY26 concall · May 2026Transcript PPT Recording
- Q3 FY26 concall · Feb 2026PPT
- Concall · Feb 2026Transcript PPT
- 20 Mar 2026
- 9 Mar 2026
- General announcements 7 Oct 2026
Frequently Asked Questions about Laxmi India Finance
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Company Information
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.
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