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L&T Finance Holdings Limited
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PenkeI guess you are interested in L&T Finance Holdings Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of L&T Finance Holdings Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of L&T Finance Holdings Limited (30 sec.)










What can you expect buying and holding a share of L&T Finance Holdings Limited? (30 sec.)

How much money do you get?

How much money do you get?
INR0.02
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR86.86
Expected worth in 1 year
INR110.81
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR25.94
Return On Investment
16.4%

For what price can you sell your share?

Current Price per Share
INR158.25
Expected price per share
INR126.60 - INR179.00
How sure are you?
50%

1. Valuation of L&T Finance Holdings Limited (5 min.)




Live pricePrice per Share (EOD)

INR158.25

Intrinsic Value Per Share

INR-278.05 - INR225.75

Total Value Per Share

INR-191.19 - INR312.61

2. Growth of L&T Finance Holdings Limited (5 min.)




Is L&T Finance Holdings Limited growing?

Current yearPrevious yearGrowGrow %
How rich?$2.5b$2.4b$178.8m6.9%

How much money is L&T Finance Holdings Limited making?

Current yearPrevious yearGrowGrow %
Making money$194.7m$101.9m$92.8m47.7%
Net Profit Margin2,029,062.5%51.7%--

How much money comes from the company's main activities?

3. Financial Health of L&T Finance Holdings Limited (5 min.)




4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#30 / 256

Most Revenue
#245 / 256

Most Profit
#26 / 256

What can you expect buying and holding a share of L&T Finance Holdings Limited? (5 min.)

Welcome investor! L&T Finance Holdings Limited's management wants to use your money to grow the business. In return you get a share of L&T Finance Holdings Limited.

What can you expect buying and holding a share of L&T Finance Holdings Limited?

First you should know what it really means to hold a share of L&T Finance Holdings Limited. And how you can make/lose money.

Speculation

The Price per Share of L&T Finance Holdings Limited is INR158.25. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of L&T Finance Holdings Limited.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in L&T Finance Holdings Limited, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR86.86. Based on the TTM, the Book Value Change Per Share is INR5.99 per quarter. Based on the YOY, the Book Value Change Per Share is INR4.65 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.50 per quarter.
Based on historical numbers we can estimate the returns while holding a share of L&T Finance Holdings Limited.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.500.3%0.500.3%0.420.3%0.470.3%0.260.2%
Usd Book Value Change Per Share0.070.0%0.070.0%0.060.0%0.080.0%0.070.0%
Usd Dividend Per Share0.010.0%0.010.0%0.120.1%0.230.1%0.120.1%
Usd Total Gains Per Share0.080.0%0.080.0%0.180.1%0.310.2%0.200.1%
Usd Price Per Share0.98-0.98-0.97-1.10-1.09-
Price to Earnings Ratio1.95-1.95-2.31-2.37-14.30-
Price-to-Total Gains Ratio12.65-12.65-5.44-37.67-27.08-
Price to Book Ratio0.94-0.94-1.00-1.35-1.86-
Price-to-Total Gains Ratio12.65-12.65-5.44-37.67-27.08-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.899
Number of shares526
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.23
Usd Book Value Change Per Share0.070.08
Usd Total Gains Per Share0.080.31
Gains per Quarter (526 shares)40.93161.61
Gains per Year (526 shares)163.73646.45
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
113151154486160636
2253023189723211282
33845448214584811928
45060564619446422574
56375681024308023220
67590797429169633866
78810581138340211234512
810012091302388812845158
911313611466437414445804
1012615121630486016056450

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%9.01.00.090.0%13.01.00.092.9%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%10.00.04.071.4%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.00.00.0100.0%

Fundamentals of L&T Finance Holdings Limited

About L&T Finance Holdings Limited

L&T Finance Holdings Limited, a non-banking financial company, provides various financial products and services in India. It operates through Retail Finance, Wholesale Finance, Defocused Business, and Others segments. The Retail Finance segment provides farmer finance services, that includes farm equipment finance and agri allied finance; rural business finance services, such as micro finance loans and rural business loans; urban finance services, that includes two-wheeler finance, consumer loans, retail housing loans, and loans against property; SME loans; and retail portfolio acquisition services. The Wholesale Finance segment offers real estate finance and infrastructure finance services. The Defocused Business segment provides structured corporate loans and debt capital market services. The Others segment offers asset management services, etc. The company was formerly known as L&T Capital Holdings Limited. L&T Finance Holdings Limited was incorporated in 1994 and is headquartered in Mumbai, India. L&T Finance Holdings Limited operates as a subsidiary of Larsen & Toubro Limited.

Fundamental data was last updated by Penke on 2024-03-10 14:46:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of L&T Finance Holdings Limited.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit L&T Finance Holdings Limited earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • A Net Profit Margin of 2,029,062.5% means that ₹20,290.63 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of L&T Finance Holdings Limited:

  • The MRQ is 2,029,062.5%. The company is making a huge profit. +2
  • The TTM is 2,029,062.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ2,029,062.5%TTM2,029,062.5%0.0%
TTM2,029,062.5%YOY51.7%+2,029,010.8%
TTM2,029,062.5%5Y405,846.7%+1,623,215.8%
5Y405,846.7%10Y202,938.6%+202,908.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2,029,062.5%12.3%+2,029,050.2%
TTM2,029,062.5%14.2%+2,029,048.3%
YOY51.7%18.5%+33.2%
5Y405,846.7%16.3%+405,830.4%
10Y202,938.6%15.7%+202,922.9%
1.1.2. Return on Assets

Shows how efficient L&T Finance Holdings Limited is using its assets to generate profit.

  • Above 5% is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • 1.5% Return on Assets means that L&T Finance Holdings Limited generated ₹0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of L&T Finance Holdings Limited:

  • The MRQ is 1.5%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.5%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.5%TTM1.5%0.0%
TTM1.5%YOY0.8%+0.7%
TTM1.5%5Y1.4%+0.2%
5Y1.4%10Y1.4%-0.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5%0.8%+0.7%
TTM1.5%0.9%+0.6%
YOY0.8%0.9%-0.1%
5Y1.4%0.8%+0.6%
10Y1.4%0.8%+0.6%
1.1.3. Return on Equity

Shows how efficient L&T Finance Holdings Limited is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • 7.5% Return on Equity means L&T Finance Holdings Limited generated ₹0.08 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of L&T Finance Holdings Limited:

  • The MRQ is 7.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 7.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ7.5%TTM7.5%0.0%
TTM7.5%YOY4.3%+3.3%
TTM7.5%5Y9.0%-1.5%
5Y9.0%10Y9.7%-0.7%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ7.5%3.2%+4.3%
TTM7.5%3.3%+4.2%
YOY4.3%3.5%+0.8%
5Y9.0%3.2%+5.8%
10Y9.7%3.4%+6.3%

1.2. Operating Efficiency of L&T Finance Holdings Limited.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient L&T Finance Holdings Limited is operating .

  • Measures how much profit L&T Finance Holdings Limited makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • An Operating Margin of 2,105,475.0% means the company generated ₹21,054.75  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of L&T Finance Holdings Limited:

  • The MRQ is 2,105,475.0%. The company is operating very efficient. +2
  • The TTM is 2,105,475.0%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ2,105,475.0%TTM2,105,475.0%0.0%
TTM2,105,475.0%YOY438.0%+2,105,037.0%
TTM2,105,475.0%5Y421,253.1%+1,684,221.9%
5Y421,253.1%10Y210,713.5%+210,539.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2,105,475.0%21.1%+2,105,453.9%
TTM2,105,475.0%19.0%+2,105,456.0%
YOY438.0%26.3%+411.7%
5Y421,253.1%21.7%+421,231.4%
10Y210,713.5%25.3%+210,688.2%
1.2.2. Operating Ratio

Measures how efficient L&T Finance Holdings Limited is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 1,493,108.38 means that the operating costs are ₹1,493,108.38 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of L&T Finance Holdings Limited:

  • The MRQ is 1,493,108.375. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1,493,108.375. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1,493,108.375TTM1,493,108.3750.000
TTM1,493,108.375YOY57.051+1,493,051.324
TTM1,493,108.3755Y298,646.241+1,194,462.134
5Y298,646.24110Y149,329.578+149,316.663
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1,493,108.3750.817+1,493,107.558
TTM1,493,108.3750.814+1,493,107.561
YOY57.0510.799+56.252
5Y298,646.2410.716+298,645.525
10Y149,329.5780.709+149,328.869

1.3. Liquidity of L&T Finance Holdings Limited.

1.3. Liquidity
1.3.1. Current Ratio

Measures if L&T Finance Holdings Limited is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 15.99 means the company has ₹15.99 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of L&T Finance Holdings Limited:

  • The MRQ is 15.987. The company is very able to pay all its short-term debts. +2
  • The TTM is 15.987. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ15.987TTM15.9870.000
TTM15.987YOY14.306+1.681
TTM15.9875Y109.986-93.999
5Y109.98610Y56.516+53.470
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ15.9873.006+12.981
TTM15.9873.353+12.634
YOY14.3062.540+11.766
5Y109.9864.074+105.912
10Y56.5164.335+52.181
1.3.2. Quick Ratio

Measures if L&T Finance Holdings Limited is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • A Quick Ratio of 62.50 means the company can pay off ₹62.50 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of L&T Finance Holdings Limited:

  • The MRQ is 62.504. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 62.504. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ62.504TTM62.5040.000
TTM62.504YOY88.864-26.360
TTM62.5045Y532.405-469.901
5Y532.40510Y266.395+266.010
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ62.5041.975+60.529
TTM62.5042.227+60.277
YOY88.8641.916+86.948
5Y532.4053.814+528.591
10Y266.3953.638+262.757

1.4. Solvency of L&T Finance Holdings Limited.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of L&T Finance Holdings Limited assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare L&T Finance Holdings Limited to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.80 means that L&T Finance Holdings Limited assets are financed with 79.7% credit (debt) and the remaining percentage (100% - 79.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of L&T Finance Holdings Limited:

  • The MRQ is 0.797. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.797. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.797TTM0.7970.000
TTM0.797YOY0.812-0.015
TTM0.7975Y0.834-0.037
5Y0.83410Y0.845-0.012
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7970.729+0.068
TTM0.7970.716+0.081
YOY0.8120.709+0.103
5Y0.8340.711+0.123
10Y0.8450.694+0.151
1.4.2. Debt to Equity Ratio

Measures if L&T Finance Holdings Limited is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • A Debt to Equity ratio of 393.6% means that company has ₹3.94 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of L&T Finance Holdings Limited:

  • The MRQ is 3.936. The company is unable to pay all its debts with equity. -1
  • The TTM is 3.936. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ3.936TTM3.9360.000
TTM3.936YOY4.350-0.414
TTM3.9365Y5.278-1.342
5Y5.27810Y5.684-0.406
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.9362.575+1.361
TTM3.9362.383+1.553
YOY4.3502.317+2.033
5Y5.2782.329+2.949
10Y5.6842.391+3.293

2. Market Valuation of L&T Finance Holdings Limited

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings L&T Finance Holdings Limited generates.

  • Above 15 is considered overpriced but always compare L&T Finance Holdings Limited to the Credit Services industry mean.
  • A PE ratio of 1.95 means the investor is paying ₹1.95 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of L&T Finance Holdings Limited:

  • The EOD is 3.762. Based on the earnings, the company is cheap. +2
  • The MRQ is 1.950. Based on the earnings, the company is cheap. +2
  • The TTM is 1.950. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD3.762MRQ1.950+1.811
MRQ1.950TTM1.9500.000
TTM1.950YOY2.314-0.364
TTM1.9505Y2.366-0.416
5Y2.36610Y14.297-11.931
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD3.7626.828-3.066
MRQ1.9506.289-4.339
TTM1.9506.585-4.635
YOY2.3147.303-4.989
5Y2.3668.537-6.171
10Y14.29711.727+2.570
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of L&T Finance Holdings Limited:

  • The EOD is -39.958. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -20.718. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -20.718. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-39.958MRQ-20.718-19.241
MRQ-20.718TTM-20.7180.000
TTM-20.718YOY3.343-24.061
TTM-20.7185Y-2.100-18.618
5Y-2.10010Y-2.428+0.328
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-39.958-0.705-39.253
MRQ-20.718-0.673-20.045
TTM-20.718-0.310-20.408
YOY3.343-0.451+3.794
5Y-2.100-0.002-2.098
10Y-2.4280.006-2.434
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of L&T Finance Holdings Limited is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 0.94 means the investor is paying ₹0.94 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of L&T Finance Holdings Limited:

  • The EOD is 1.822. Based on the equity, the company is underpriced. +1
  • The MRQ is 0.945. Based on the equity, the company is cheap. +2
  • The TTM is 0.945. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD1.822MRQ0.945+0.877
MRQ0.945TTM0.9450.000
TTM0.945YOY0.997-0.052
TTM0.9455Y1.355-0.410
5Y1.35510Y1.861-0.507
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD1.8220.926+0.896
MRQ0.9450.857+0.088
TTM0.9450.860+0.085
YOY0.9971.071-0.074
5Y1.3551.235+0.120
10Y1.8611.430+0.431
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of L&T Finance Holdings Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--5.9885.9880%4.649+29%6.356-6%6.186-3%
Book Value Per Share--86.85586.8550%80.868+7%71.757+21%54.404+60%
Current Ratio--15.98715.9870%14.306+12%109.986-85%56.516-72%
Debt To Asset Ratio--0.7970.7970%0.812-2%0.834-4%0.845-6%
Debt To Equity Ratio--3.9363.9360%4.350-10%5.278-25%5.684-31%
Dividend Per Share--0.4970.4970%10.158-95%19.248-97%10.174-95%
Eps--42.06942.0690%34.831+21%39.517+6%21.482+96%
Free Cash Flow Per Share---3.960-3.9600%24.109-116%0.622-737%-17.145+333%
Free Cash Flow To Equity Per Share---4.818-4.8180%11.963-140%10.370-146%6.279-177%
Gross Profit Margin--0.9630.9630%0.996-3%0.983-2%0.980-2%
Intrinsic Value_10Y_max--225.750--------
Intrinsic Value_10Y_min---278.049--------
Intrinsic Value_1Y_max--15.866--------
Intrinsic Value_1Y_min---20.050--------
Intrinsic Value_3Y_max--52.820--------
Intrinsic Value_3Y_min---67.367--------
Intrinsic Value_5Y_max--95.981--------
Intrinsic Value_5Y_min---122.127--------
Market Cap393874760064.000+48%204217529625.600204217529625.6000%200608566579.200+2%228365225816.064-11%225522856299.520-9%
Net Profit Margin--20290.62520290.6250%0.517+3925849%4058.467+400%2029.386+900%
Operating Margin--21054.75021054.7500%4.380+480564%4212.531+400%2107.135+899%
Operating Ratio--1493108.3751493108.3750%57.051+2617066%298646.241+400%149329.578+900%
Pb Ratio1.822+48%0.9450.9450%0.997-5%1.355-30%1.861-49%
Pe Ratio3.762+48%1.9501.9500%2.314-16%2.366-18%14.297-86%
Price Per Share158.250+48%82.05082.0500%80.600+2%91.752-11%90.610-9%
Price To Free Cash Flow Ratio-39.958-93%-20.718-20.7180%3.343-720%-2.100-90%-2.428-88%
Price To Total Gains Ratio24.403+48%12.65312.6530%5.443+132%37.665-66%27.076-53%
Quick Ratio--62.50462.5040%88.864-30%532.405-88%266.395-77%
Return On Assets--0.0150.0150%0.008+92%0.014+11%0.014+7%
Return On Equity--0.0750.0750%0.043+77%0.090-16%0.097-22%
Total Gains Per Share--6.4856.4850%14.808-56%25.604-75%16.361-60%
Usd Book Value--2594137200.0002594137200.0000%2415303600.000+7%2143180320.000+21%1624886145.600+60%
Usd Book Value Change Per Share--0.0720.0720%0.056+29%0.076-6%0.074-3%
Usd Book Value Per Share--1.0421.0420%0.970+7%0.861+21%0.653+60%
Usd Dividend Per Share--0.0060.0060%0.122-95%0.231-97%0.122-95%
Usd Eps--0.5050.5050%0.418+21%0.474+6%0.258+96%
Usd Free Cash Flow---118285200.000-118285200.0000%720061200.000-116%18574080.000-737%-512072598.000+333%
Usd Free Cash Flow Per Share---0.048-0.0480%0.289-116%0.007-737%-0.206+333%
Usd Free Cash Flow To Equity Per Share---0.058-0.0580%0.144-140%0.124-146%0.075-177%
Usd Market Cap4726497120.768+48%2450610355.5072450610355.5070%2407302798.950+2%2740382709.793-11%2706274275.594-9%
Usd Price Per Share1.899+48%0.9850.9850%0.967+2%1.101-11%1.087-9%
Usd Profit--194790000.000194790000.0000%101907600.000+91%176877360.000+10%146157955.200+33%
Usd Revenue--9600.0009600.0000%197176800.000-100%334803840.000-100%357033230.400-100%
Usd Total Gains Per Share--0.0780.0780%0.178-56%0.307-75%0.196-60%
 EOD+5 -3MRQTTM+0 -0YOY+22 -145Y+15 -2110Y+18 -18

3.2. Fundamental Score

Let's check the fundamental score of L&T Finance Holdings Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-153.762
Price to Book Ratio (EOD)Between0-11.822
Net Profit Margin (MRQ)Greater than020,290.625
Operating Margin (MRQ)Greater than021,054.750
Quick Ratio (MRQ)Greater than162.504
Current Ratio (MRQ)Greater than115.987
Debt to Asset Ratio (MRQ)Less than10.797
Debt to Equity Ratio (MRQ)Less than13.936
Return on Equity (MRQ)Greater than0.150.075
Return on Assets (MRQ)Greater than0.050.015
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of L&T Finance Holdings Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.397
Ma 20Greater thanMa 50157.980
Ma 50Greater thanMa 100165.300
Ma 100Greater thanMa 200159.642
OpenGreater thanClose159.450
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets1,063,631,400
Total Liabilities847,453,300
Total Stockholder Equity215,283,700
 As reported
Total Liabilities 847,453,300
Total Stockholder Equity+ 215,283,700
Total Assets = 1,063,631,400

Assets

Total Assets1,063,631,400
Total Current Assets128,918,800
Long-term Assets148,767,900
Total Current Assets
Cash And Cash Equivalents 127,489,100
Short-term Investments 375,106,100
Net Receivables 1,429,700
Inventory 68,287,800
Total Current Assets  (as reported)128,918,800
Total Current Assets  (calculated)572,312,700
+/- 443,393,900
Long-term Assets
Property Plant Equipment 1,122,600
Goodwill 134,000
Long Term Investments 146,309,500
Intangible Assets 1,201,800
Long-term Assets Other -148,767,900
Long-term Assets  (as reported)148,767,900
Long-term Assets  (calculated)0
+/- 148,767,900

Liabilities & Shareholders' Equity

Total Current Liabilities8,063,900
Long-term Liabilities8,063,900
Total Stockholder Equity215,283,700
Total Current Liabilities
Short-term Debt 308,963,200
Accounts payable 8,063,900
Other Current Liabilities -8,063,900
Total Current Liabilities  (as reported)8,063,900
Total Current Liabilities  (calculated)308,963,200
+/- 300,899,300
Long-term Liabilities
Long term Debt Total 628,639,900
Capital Lease Obligations Min Short Term Debt-308,963,200
Long-term Liabilities  (as reported)8,063,900
Long-term Liabilities  (calculated)319,676,700
+/- 311,612,800
Total Stockholder Equity
Common Stock24,796,700
Capital Surplus 87,701,900
Other Stockholders Equity 127,494,000
Total Stockholder Equity (as reported)215,283,700
Total Stockholder Equity (calculated)239,992,600
+/- 24,708,900
Other
Capital Stock24,796,700
Cash And Equivalents64,702,000
Cash and Short Term Investments 127,489,100
Common Stock Shares Outstanding 2,485,228
Liabilities and Stockholders Equity 1,063,631,400
Net Debt 703,559,900
Net Invested Capital 1,045,718,200
Net Working Capital 120,854,900
Property Plant and Equipment Gross 1,122,600
Short Long Term Debt Total 831,049,000



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-31
> Total Assets 
10,786,058
16,315,621
197,342,520
269,327,268
365,814,724
448,609,259
527,421,665
637,463,330
725,135,920
892,305,658
1,060,551,000
1,095,290,200
1,089,716,500
1,069,021,800
1,063,631,400
1,063,631,4001,069,021,8001,089,716,5001,095,290,2001,060,551,000892,305,658725,135,920637,463,330527,421,665448,609,259365,814,724269,327,268197,342,52016,315,62110,786,058
   > Total Current Assets 
20,473
22,841
10,904,700
87,283,268
325,278,247
387,137,168
458,284,896
543,587,634
597,654,691
729,641,655
23,824,100
73,681,000
74,335,300
61,888,500
128,918,800
128,918,80061,888,50074,335,30073,681,00023,824,100729,641,655597,654,691543,587,634458,284,896387,137,168325,278,24787,283,26810,904,70022,84120,473
       Cash And Cash Equivalents 
20,473
58
1,634,650
1,127,488
4,207,387
8,216,367
9,199,514
4,408,825
6,347,951
12,009,904
19,099,300
71,571,200
72,592,500
60,880,700
127,489,100
127,489,10060,880,70072,592,50071,571,20019,099,30012,009,9046,347,9514,408,8259,199,5148,216,3674,207,3871,127,4881,634,6505820,473
       Short-term Investments 
0
0
0
1,080,984
0
0
0
0
175,865,600
103,642,800
147,918,700
145,764,000
316,277,200
322,547,100
375,106,100
375,106,100322,547,100316,277,200145,764,000147,918,700103,642,800175,865,60000001,080,984000
       Net Receivables 
0
0
0
0
4,876,127
7,407,400
10,687,604
12,091,122
13,289,189
16,453,217
4,724,800
2,109,800
1,742,800
1,007,800
1,429,700
1,429,7001,007,8001,742,8002,109,8004,724,80016,453,21713,289,18912,091,12210,687,6047,407,4004,876,1270000
       Other Current Assets 
0
22,783
9,270,050
85,074,796
316,194,733
371,513,401
438,397,778
527,087,687
578,017,551
701,178,534
942,263,900
951,755,000
917,958,600
864,442,700
175,805,800
175,805,800864,442,700917,958,600951,755,000942,263,900701,178,534578,017,551527,087,687438,397,778371,513,401316,194,73385,074,7969,270,05022,7830
   > Long-term Assets 
10,765,585
16,292,779
186,437,820
182,044,000
40,536,477
61,472,091
69,136,769
93,875,696
127,481,229
162,664,003
94,463,000
69,854,200
97,422,600
123,282,700
148,767,900
148,767,900123,282,70097,422,60069,854,20094,463,000162,664,003127,481,22993,875,69669,136,76961,472,09140,536,477182,044,000186,437,82016,292,77910,765,585
       Property Plant Equipment 
0
0
4,453,450
4,998,633
5,638,608
7,101,923
7,048,382
6,876,840
5,863,938
5,055,765
676,900
819,200
641,300
529,800
1,122,600
1,122,600529,800641,300819,200676,9005,055,7655,863,9386,876,8407,048,3827,101,9235,638,6084,998,6334,453,45000
       Goodwill 
0
0
0
416,010
416,010
6,389,106
6,389,106
6,389,106
6,389,106
6,389,106
6,389,100
6,367,100
6,367,100
134,000
134,000
134,000134,0006,367,1006,367,1006,389,1006,389,1066,389,1066,389,1066,389,1066,389,106416,010416,010000
       Long Term Investments 
0
0
0
0
0
27,302,779
26,492,162
35,632,736
115,104,012
150,963,495
86,480,100
61,343,100
89,047,300
122,173,700
146,309,500
146,309,500122,173,70089,047,30061,343,10086,480,100150,963,495115,104,01235,632,73626,492,16227,302,77900000
       Intangible Assets 
0
0
0
112,213
6,146,063
185,488
136,322
84,944
124,173
255,637
916,900
1,324,800
1,366,900
1,378,300
1,201,800
1,201,8001,378,3001,366,9001,324,800916,900255,637124,17384,944136,322185,4886,146,063112,213000
       Long-term Assets Other 
10,765,585
16,292,779
181,927,710
170,371,385
0
0
0
0
0
0
-94,463,000
-69,854,200
-97,422,600
-123,282,700
-148,767,900
-148,767,900-123,282,700-97,422,600-69,854,200-94,463,000000000170,371,385181,927,71016,292,77910,765,585
> Total Liabilities 
142
1,751
168,436,950
221,800,000
303,612,551
380,352,730
449,019,922
552,374,813
632,876,878
755,231,501
923,842,400
946,163,900
900,013,000
867,746,500
847,453,300
847,453,300867,746,500900,013,000946,163,900923,842,400755,231,501632,876,878552,374,813449,019,922380,352,730303,612,551221,800,000168,436,9501,751142
   > Total Current Liabilities 
142
1,751
7,253,170
62,347,291
0
140,534,290
146,302,345
173,301,898
190,590,681
237,729,400
1,200,500
648,400
192,500
4,326,100
8,063,900
8,063,9004,326,100192,500648,4001,200,500237,729,400190,590,681173,301,898146,302,345140,534,290062,347,2917,253,1701,751142
       Short-term Debt 
0
0
0
0
0
361,341,331
424,942,093
148,967,500
165,344,700
193,318,500
292,238,400
350,210,200
277,658,300
304,769,600
308,963,200
308,963,200304,769,600277,658,300350,210,200292,238,400193,318,500165,344,700148,967,500424,942,093361,341,33100000
       Short Long Term Debt 
0
0
0
0
0
361,341,331
424,942,093
521,730,077
600,785,392
715,770,500
0
0
0
0
0
00000715,770,500600,785,392521,730,077424,942,093361,341,33100000
       Accounts payable 
0
0
0
0
5,978,272
7,910,519
11,990,878
17,660,445
20,695,607
27,344,793
1,200,500
648,400
192,500
4,326,100
8,063,900
8,063,9004,326,100192,500648,4001,200,50027,344,79320,695,60717,660,44511,990,8787,910,5195,978,2720000
       Other Current Liabilities 
142
1,751
7,253,170
62,347,291
0
6,436,332
6,445,932
7,260,602
5,760,293
30,694,900
-1,200,500
-648,400
-192,500
-4,326,100
-8,063,900
-8,063,900-4,326,100-192,500-648,400-1,200,50030,694,9005,760,2937,260,6026,445,9326,436,332062,347,2917,253,1701,751142
   > Long-term Liabilities 
0
0
161,183,780
159,453,000
284,792,096
361,388,765
424,990,913
521,739,220
600,830,670
717,398,160
1,200,500
939,340,700
885,915,700
4,326,100
8,063,900
8,063,9004,326,100885,915,700939,340,7001,200,500717,398,160600,830,670521,739,220424,990,913361,388,765284,792,096159,453,000161,183,78000
       Long term Debt Total 
0
0
0
0
0
0
0
612,238,400
673,405,800
729,147,600
741,207,900
840,729,300
837,377,600
632,516,200
628,639,900
628,639,900632,516,200837,377,600840,729,300741,207,900729,147,600673,405,800612,238,4000000000
       Other Liabilities 
0
0
0
0
0
6,935,953
8,708,437
9,308,904
9,982,735
7,069,600
0
0
0
0
0
000007,069,6009,982,7359,308,9048,708,4376,935,95300000
       Deferred Long Term Liability 
0
0
0
0
0
0
557,588
0
1,027
0
0
0
0
0
0
0000001,0270557,588000000
> Total Stockholder Equity
10,785,916
16,313,870
28,905,570
47,527,469
62,202,173
68,256,529
77,398,743
84,085,517
91,073,378
135,842,756
134,486,000
146,924,200
187,732,000
199,477,000
215,283,700
215,283,700199,477,000187,732,000146,924,200134,486,000135,842,75691,073,37884,085,51777,398,74368,256,52962,202,17347,527,46928,905,57016,313,87010,785,916
   Common Stock
10,785,916
16,285,916
14,170,240
17,147,616
17,167,605
17,184,490
17,202,859
17,533,986
17,557,220
19,956,770
19,988,100
20,048,300
24,694,500
24,740,400
24,796,700
24,796,70024,740,40024,694,50020,048,30019,988,10019,956,77017,557,22017,533,98617,202,85917,184,49017,167,60517,147,61614,170,24016,285,91610,785,916
   Retained Earnings Total Equity000000000000000
   Accumulated Other Comprehensive Income 000-802,600-575,500-3,023,838-2,919,439-3,021,933-2,648,762-2,309,708-1,950,213-5,667,892-3,126,42000
   Capital Surplus 
0
0
0
0
0
0
0
81,647,200
0
83,665,800
84,719,900
85,996,000
86,676,500
87,187,400
87,701,900
87,701,90087,187,40086,676,50085,996,00084,719,90083,665,800081,647,2000000000
   Treasury Stock000000000000000
   Other Stockholders Equity 
0
27,954
17,861,750
36,047,745
31,076,883
34,939,632
38,026,295
45,564,210
45,897,839
81,971,327
87,359,300
89,669,100
116,613,500
120,505,600
127,494,000
127,494,000120,505,600116,613,50089,669,10087,359,30081,971,32745,897,83945,564,21038,026,29534,939,63231,076,88336,047,74517,861,75027,9540



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue800
Cost of Revenue-1,166,152,700
Gross Profit800-1,166,151,900
 
Operating Income (+$)
Gross Profit800
Operating Expense-28,334,000
Operating Income16,843,800-28,333,200
 
Operating Expense (+$)
Research Development0
Selling General Administrative6,027,800
Selling And Marketing Expenses602,000
Operating Expense28,334,0006,629,800
 
Net Interest Income (+$)
Interest Income125,651,100
Interest Expense-57,972,400
Other Finance Cost-0
Net Interest Income67,678,700
 
Pretax Income (+$)
Operating Income16,843,800
Net Interest Income67,678,700
Other Non-Operating Income Expenses0
Income Before Tax (EBT)17,956,20015,731,400
EBIT - interestExpense = -41,128,600
17,956,200
74,204,900
Interest Expense57,972,400
Earnings Before Interest and Taxes (EBIT)16,843,80075,928,600
Earnings Before Interest and Taxes (EBITDA)17,956,200
 
After tax Income (+$)
Income Before Tax17,956,200
Tax Provision-1,723,700
Net Income From Continuing Ops16,232,50016,232,500
Net Income16,232,500
Net Income Applicable To Common Shares104,707,200
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses28,334,000
Total Other Income/Expenses Net1,112,400-67,678,700
 

Technical Analysis of L&T Finance Holdings Limited
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of L&T Finance Holdings Limited. The general trend of L&T Finance Holdings Limited is BULLISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine L&T Finance Holdings Limited's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (14.3%) Bearish trend (-14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of L&T Finance Holdings Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 175.55 < 177.45 < 179.00.

The bearish price targets are: 146.25 > 144.60 > 126.60.

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L&T Finance Holdings Limited Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of L&T Finance Holdings Limited. The current mas is .

The long score for the Moving Averages is 8/14.
The longshort score for the Moving Averages is 2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

L&T Finance Holdings Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of L&T Finance Holdings Limited. The current macd is -3.17897656.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the L&T Finance Holdings Limited price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for L&T Finance Holdings Limited. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the L&T Finance Holdings Limited price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
L&T Finance Holdings Limited Daily Moving Average Convergence/Divergence (MACD) ChartL&T Finance Holdings Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of L&T Finance Holdings Limited. The current adx is 26.93.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -3/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell L&T Finance Holdings Limited shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bearish trend. The ADX is declining, the bearish trend is weakening. Could be a potential reversal to the upside. -2
L&T Finance Holdings Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of L&T Finance Holdings Limited. The current sar is 145.51.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
L&T Finance Holdings Limited Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of L&T Finance Holdings Limited. The current rsi is 48.40. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
L&T Finance Holdings Limited Daily Relative Strength Index (RSI) ChartL&T Finance Holdings Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of L&T Finance Holdings Limited. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the L&T Finance Holdings Limited price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
L&T Finance Holdings Limited Daily Stochastic Oscillator ChartL&T Finance Holdings Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of L&T Finance Holdings Limited. The current cci is 6.89484127.

L&T Finance Holdings Limited Daily Commodity Channel Index (CCI) ChartL&T Finance Holdings Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of L&T Finance Holdings Limited. The current cmo is 4.97431831.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
L&T Finance Holdings Limited Daily Chande Momentum Oscillator (CMO) ChartL&T Finance Holdings Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of L&T Finance Holdings Limited. The current willr is -34.21686747.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that L&T Finance Holdings Limited is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
L&T Finance Holdings Limited Daily Williams %R ChartL&T Finance Holdings Limited Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of L&T Finance Holdings Limited.

L&T Finance Holdings Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of L&T Finance Holdings Limited. The current atr is 5.3049892.

L&T Finance Holdings Limited Daily Average True Range (ATR) ChartL&T Finance Holdings Limited Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of L&T Finance Holdings Limited. The current obv is 776,587,468.

L&T Finance Holdings Limited Daily On-Balance Volume (OBV) ChartL&T Finance Holdings Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of L&T Finance Holdings Limited. The current mfi is 51.05.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
L&T Finance Holdings Limited Daily Money Flow Index (MFI) ChartL&T Finance Holdings Limited Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for L&T Finance Holdings Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-15BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-20CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-23STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-24DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-28DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-01SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-12-04WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-11MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-12MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-18RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-28SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-29MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-01STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-04STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-11STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-17SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-25STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-30DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-01-31CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-01STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-02MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-02-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-02-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-16STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-22DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-01CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-06DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-11WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-13ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-14RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-18STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-27CMO LONG ENTRY SHORT CLOSEZero line crossover to upside

6.3. Candlestick Patterns

L&T Finance Holdings Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of L&T Finance Holdings Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.397
Ma 20Greater thanMa 50157.980
Ma 50Greater thanMa 100165.300
Ma 100Greater thanMa 200159.642
OpenGreater thanClose159.450
Total3/5 (60.0%)
Penke

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