LTF L&T Finance Q3 FY26 results (Oct–Dec 2025) and concall
L&T Finance delivered a robust Q3 FY26, achieving record core PAT and retail disbursements, driven by strong retail franchise growth and improved operational efficiencies. The company saw significant moderation in credit costs, supported by digital transformation initiatives like Project Cyclops, and maintained strong asset quality metrics. While facing one-time exceptional charges, management expressed confidence in sustaining momentum and achieving its Lakshya 2026 targets.
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What they filed
Q3 FY26: revenue up 11.7%, net profit up 17.9% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|
| Revenue | 4,098 | 4,023 | 4,260 | 4,336 | 4,578 +12% |
| EBITDA | 2,422 | 2,442 | 2,620 | 2,674 | — |
| Net profit | 626 | 636 | 701 | 735 | 738 +18% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
