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Laxmi India Finance Limited

Laxmi India Finance Limited

LAXMIINDIA.NS
Laxmi India Finance LimitedIN flagNational Stock Exchange of India
108.80
INR
-0.22
- -
5.69BMarket Cap
Laxmi India Finance Limited
LAXMIINDIA.NS
(National Stock Exchange of India)

Recent

price

108.80

P/E

ratio

- -

div

yld

- -

ROIC.AI

2022
2023
2024
2025
2026
TTM
FRC
17.91
23.45
30.46
46.83
- -
46.02
Revenue per Share
2.8
3.06
4.3
6.89
- -
6.89
Basic EPS, GAAP
-3.6
-32.41
-42.81
-59.55
- -
-33.47
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
10.93
13.79
17.55
23.25
- -
23.25
Book Value per Share
24.22
29.18
38.57
49.32
- -
49.32
Tangible Book Value per Share
52
52
52
52
- -
52
Basic Weighted Avg Shares
936
1,226
1,592
2,448
3,147
2,406
Sales/Revenue/Turnover
18.59
17.15
13.19
22.87
23.89
22.81
Operating Margin (%)
8
11
15
19
23
19
Depreciation Expense
147
160
225
360
498
360
Net Income, GAAP
24.88
27.47
24.19
23.97
24.66
23.97
Effective Tax Rate (%)
15.65
13.03
14.11
14.71
15.81
14.97
Profit Margin (%)
133
1,056
719
1,294
16,127
1,294
Working Capital
2,473
3,579
5,192
7,286
13,373
7,286
LT Debt
1,266
1,525
2,017
2,579
4,655
2,579
Total Equity
- -
2.33
1.83
3.6
3.54
- -
Return on Invested Capital (%)
- -
2.78
2.92
3.42
3.79
- -
Return on Capital (%)
- -
24.72
27.43
33.77
67.41
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'25
ST Debt
4,107
LT Borrowings
7,286
LT Finance Leases
- -
Preferred Equity and Hybrid Capital
- -
Shares Outstanding
52
Market Capitalization
- -

Working Capital

FRC

•

in mil. unless spec.
Mar'25
Total Current Assets
5,526
Cash, Cash Equivalents & STI
1,859
Accounts Receivable, Net
- -
Inventories
- -
Total Current Liabilities
4,232
Payables & Accruals
- -
ST Debt
4,107
Deferred Revenue
- -

Growth Rates

FRC

•

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
- -
- -
28.55%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1,592
2025
466
576
611
752
2,448
2026
757
759
934
- -
3,147

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4.3
2025
1.27
1.66
1.18
2.79
6.89
2026
1.9
1.9
4.06
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.