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Laxmi India Finance Limited

Laxmi India Finance Limited

99.65
INR
-2.45
(-2.40%)
11.01EPS
8.91P/E
5.15BMarket Cap
Laxmi India Finance Limited
BSE:LAXMIINDIA
(Bombay Stock Exchange)

Recent

price

99.65

P/E

ratio

8.91

div

yld

- -

ROIC.AI

2022
2023
2024
2025
2026
TTM
INR
17.91
23.45
30.46
42.66
59.26
65.49
Revenue per Share
2.8
3.06
4.3
6.89
10.2
11.02
Basic EPS, GAAP
-3.6
-32.41
-42.81
-59.55
-57.41
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
24.23
29.19
38.6
49.34
89.06
- -
Book Value per Share
24.22
29.18
38.57
49.32
89.04
- -
Tangible Book Value per Share
52
52
52
52
49
51
Basic Weighted Avg Shares
936
1,226
1,592
2,230
2,890
3,361
Sales/Revenue/Turnover
18.55
16.75
13.09
21.84
23.4
24.88
Operating Margin (%)
8
11
15
19
23
24
Depreciation Expense
147
160
225
360
498
566
Net Income, GAAP
24.88
27.47
24.19
23.97
24.66
24.79
Effective Tax Rate (%)
15.65
13.03
14.11
16.15
17.22
16.83
Profit Margin (%)
133
1,056
719
1,294
775
- -
Working Capital
2,473
3,579
5,192
7,286
7,871
- -
LT Debt
1,266
1,525
2,017
2,579
4,655
- -
Total Equity
- -
2.1
1.67
2.37
2.52
- -
Return on Invested Capital (%)
- -
2.45
2.59
3.06
3.13
- -
Return on Capital (%)
- -
11.44
12.68
15.67
13.76
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
5,502
- -
LT Borrowings
- -
7,871
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
52
52
52
Market Capitalization
6,523
3,746
5,145

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
6,381
- -
Cash, Cash Equivalents & STI
- -
1,635
- -
Accounts Receivable, Net
- -
2
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
5,606
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
5,502
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
80.49%
Free Cash Flow
- -
- -
-10.05%
Net Income, GAAP
- -
- -
38.2%
Sales/Revenue/Turnover
- -
- -
29.6%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
466
576
611
752
2,230
2026
697
757
759
934
2,890
2027
911
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.27
1.66
1.18
2.79
6.89
2026
1.87
1.9
1.9
4.06
10.2
2027
3.17
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Laxmi India Finance Limited (LAXMIINDIA.NS) is a non-banking financial company (NBFC) engaged in providing investment and financing services to retail and corporate customers in India. The company offers term loans, working capital finance, machinery loans, and investment advisory services; it also provides gold loans, personal loans, and business loans through its branch network. Incorporated in 1996 and headquartered in Kolkata, India, Laxmi India Finance operates primarily in eastern and northeastern India, targeting small and medium enterprises (SMEs), traders, and individual borrowers in tier-2 and tier-3 cities. The company's core products include secured loans backed by gold and property, unsecured business overdrafts, and customized financing for manufacturing and trading sectors; its service portfolio encompasses loan against property (LAP), vehicle loans, and microfinance lending under regulated NBFC guidelines. Laxmi India Finance maintains a focus on rural and semi-urban markets, serving over 50 branches across states such as West Bengal, Bihar, Jharkhand, and Odisha. In recent developments, the company expanded its branch network by 15 locations in fiscal 2025 to strengthen its presence in underserved regions; it secured a INR 50 crore funding round from high-net-worth individuals in Q3 2025 to bolster its lending portfolio. Laxmi India Finance launched a digital loan origination platform in early 2025 to streamline customer onboarding and reduce processing times; additionally, it entered a strategic distribution partnership with a major gold refiner for enhanced gold loan sourcing. These initiatives reflect the company's shift toward technology-driven operations and portfolio diversification amid regulatory changes in the NBFC sector.