Finance company L&T; Finance announced Q4FY26 & FY26 results Q4FY26 Standalone Financial Highlights: Total Income: Reported at Rs 4,921.16 crore, a growth of 7.41% QoQ from Rs 4,581.71 crore and a growth of 22.28% YoY from Rs 4,024.43 crore. Net Profit: Reported at Rs 947.09 crore, an increase of 29.49% QoQ from Rs 731.42 crore and a growth of 50.20% YoY compared to Rs 630.59 crore. Earnings Per Share (EPS): Basic EPS stood at Rs 3.78 for the quarter, an increase of 29.45% QoQ from Rs 2.92 and 49.41% YoY from Rs 2.53. Total Comprehensive Income: Reported at Rs 990.74 crore, reflecting a growth of 38.23% QoQ and 55.08% YoY. Q4FY26 Consolidated Financial Highlights: Total Income: Reported at Rs 4,771.10 crore, an increase of 4.14% QoQ from Rs 4,581.49 crore and a growth of 18.47% YoY from Rs 4,027.22 crore. Net Profit: Reported at Rs 809.16 crore, up 9.64% QoQ from Rs 737.99 crore and up 27.26% YoY from Rs 635.84 crore. Earnings Per Share (EPS): Basic EPS stood at Rs 3.22, up 9.15% QoQ and 26.27% YoY. Total Comprehensive Income: Reported at Rs 852.84 crore, representing an increase of 17.91% QoQ and 32.41% YoY. FY26 Standalone Financial Highlights: Total Income: Stood at Rs 18,054.20 crore for FY26, a growth of 13.33% YoY compared to Rs 15,930.12 crore in FY25. Net Profit: Reported at Rs 3,100.31 crore, showing a growth of 18.43% YoY from Rs 2,617.81 crore. Net Cash Flows: Net cash used in operating activities was Rs (14,236.69) crore, compared to Rs (16,608.17) crore in the previous year. Earnings Per Share (EPS): Basic EPS for the year was Rs 12.40, a growth of 18.10% YoY from Rs 10.50. Dividend: Recommended a final dividend of Rs 2.75 per Equity Share (27.5% of face value Rs 10). FY26 Consolidated Financial Highlights: Total Income: Stood at Rs 17,917.03 crore for FY26, showing a growth of 12.39% YoY compared to Rs 15,940.98 crore in FY25. Net Profit (Attributable to Owners): Reported at Rs 2,981.18 crore, a growth of 12.77% YoY from Rs 2,643.66 crore. Net Cash Flows: Net cash used in operating activities was Rs (14,189.24) crore, compared to Rs (16,587.47) crore in the previous year. Earnings Per Share (EPS): Basic EPS for the year was Rs 11.92, a growth of 12.35% YoY from Rs 10.61. Business Highlights: New Business Entry: The Board approved entering the business of pre-paid instruments (wallets and cards) and acting as a Third-Party Application Provider, subject to regulatory approvals. Fund Raising: Approved raising funds via non-convertible debentures (NCDs) up to an aggregate amount of Rs 1,23,500 crore. Also approved the issuance of cumulative compulsorily redeemable non-convertible preference shares up to Rs 6,012 crore. Acquisition: On June 9, 2025, the company acquired the gold loan business of Paul Merchants Finance Private Limited (PMFL) for a total consideration of Rs 711.93 crore. Labour Code Impact: The group accounted for an estimated one-time incremental impact as an Exceptional Item amounting to Rs 28.51 crore (Consolidated) and Rs 28.43 crore (Standalone) due to the recognition of past service costs under the New Labour Codes. Asset Quality: Standalone Gross Stage 3 assets stood at 3.41% as of March 31, 2026, compared to 3.69% in the previous year. Net Stage 3 assets improved to 1.44% from 1.84% YoY. Capital Adequacy: Standalone Capital Adequacy Ratio (CRAR) stood at 18.84% as of March 31, 2026. Appointments: Appointed Mr. Sachinn Joshi (as CFO and Whole-time Director for 2 years) and Mr. Raju Dodti (as Whole-time Director for 3 years), effective upon regulatory approvals. Sudipta Roy, Managing Director & CEO, LTF, said: “FY26 has been a good year for us, despite significant headwinds in our microfinance business in the initial months of the year and the end of the year closing with geopolitical tensions. Through the course of the year, we remained steadfast in our approach—tightening credit and risk administration frameworks, strengthening collections infrastructure, accelerating our AI-led technology transformation and continuously focusing on growth across all our business lines. On the microfinance business, our focus was on navigating the cycle with prudence and our efforts have yielded results, with business parameters across both disbursements and collection efficiencies now reverting to near pre-crisis levels, giving us confidence that FY27 will be a stable and productive year for this segment. FY26 also marks the successful completion of our Lakshya 26 strategic plan, achieving most of our stated objectives even amid volatility in the credit environment. This reflects the resilience of our diversified franchise, disciplined execution, and the strength of the digital and analytics capabilities that we built during the plan period. As we embark on our next five-year strategic roadmap, Lakshya 31, we are setting ourselves ambitious and measurable targets to drive consistent growth with improved profitability. While global geopolitical uncertainties persist, we remain confident that the solid foundation established during the Lakshya 26 period will enable us to deliver steady outcomes and create long-term value for all stakeholders and truly transform L&T; Finance into a Risk-first, Technology-first, Multi-product Retail Financier of Choice.” Result PDF