LTF L&T Finance Q4 FY26 results (Jan–Mar 2026) and concall
L&T Finance delivered a strong Q4 and full-year FY26, achieving its highest-ever annual PAT and record retail disbursements, driven by robust growth across all retail segments and effective AI-led underwriting. While the Lakshya 2026 RoA target was missed due to past microfinance challenges, the company has set ambitious Lakshya 2031 goals and provided positive FY27 guidance, emphasizing continued growth, stable margins, and further credit cost reduction. Macroeconomic headwinds like geopolitical tensions and El Niño remain watch factors.
You’re reading a preview. Opening the full call uses 1 concall credit.
Sign in to use your monthly call allowance.
What they filed
Q4 FY26: revenue up 18.6%, net profit up 27.2% against the same quarter last year.
| Line item | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 4,098 | 4,023 | 4,260 | 4,336 | 4,578 +12% | 4,771 +19% |
| EBITDA | 2,422 | 2,442 | 2,620 | 2,674 | — | — |
| Net profit | 626 | 636 | 701 | 735 | 738 +18% | 809 +27% |
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.
