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Bearish
7
Neutral
3
Bullish
4
Bearish
9
Neutral
7
Bullish
30
Bearish
2
Neutral
4
Bullish
26
Discovery themes featuring this stock
Laxmi India Finance Limited is an NBFC‑Middle Layer focused on secured MSME, SME and vehicle financing across rural, semi‑urban and select urban clusters, operating a branch‑led distribution model with 170 branches and an AUM of ₹1,451.10 crore as of 9M FY26, serving ~40,800 customers with a mix of mortgage‑backed MSME and vehicle assets.
The company has delivered rapid scale: AUM grew 21% year‑on‑year to ₹1,451 crore and NII rose 43% to ₹109.7 crore in 9M FY26, while PAT increased ~36% to ₹29.1 crore, reflecting high yield portfolio economics (portfolio yield ~21.8%) and improving spreads despite elevated operating expenses tied to branch expansion.
Key operating strengths include a large and diversified lender franchise (50+ institutions), a technology stack (AWS, LOS/LMS, e‑collections, SOC2 compliance) that reduces turnaround time, and a conservative cash‑flow and collateral underwriting framework that historically kept GNPA low; these support the company’s stated ambition to reach ~30% AUM CAGR.
The company flagged a one‑off DA partner stress that materially increased reported GNPA to 2.40% (net 1.24%); management says excluding that counterparty event underlying GNPA would be ~0.94%, implying asset quality remains structurally strong but exposed to counterparty DA concentration risks.
Liquidity and capitalization are robust for current plans: CRAR at 28.4%, net worth surged ~83% YoY to ₹445.2 crore post IPO, and ALM shows positive cumulative short‑term surplus, positioning Laxmi India Finance Limited to pursue growth while targeting cost of funds compression over the next 12–24 months.
Finance
Non Banking Financial Company (NBFC)
629 Cr
High Risk
9.3
19.3
0.3
1.5
180.75
70.94
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stock
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
78.90 | 629 Cr | 9.29 | 1.45 | 0.00 | 9.17 | 11.70 | 2.80 | ||
1720.40 | 621 Cr | 59.92 | 0.19 | 0.02 | 0.31 | 0.40 | 0.48 | ||
958.75 | 578 Cr | -16.58 | 0.21 | 0.32 | 0.09 | 2.33 | -1.44 | ||
106.65 | 562 Cr | 12.68 | 1.45 | 0.67 | 10.84 | 9.65 | 2.24 | ||
241.00 | 551 Cr | 6.34 | 0.95 | 1.22 | 14.04 | 12.91 | 6.16 | ||
185.00 | 540 Cr | 14.72 | 4.44 | 0.00 | 10.47 | 14.39 | 4.77 | ||
77.50 | 538 Cr | -120.98 | 1.82 | 0.00 | -1.74 | 7.90 | -0.48 | ||
| Median: 7 Co. | — | 185.00 | 562 Cr | 9.29 | 1.45 | 0.02 | 9.17 | 9.65 | 2.24 |
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
Laxmi India Finance Ltd (LAXMIINDIA) is currently trading at 122.02 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Laxmi India Finance Limited is an NBFC‑Middle Layer focused on secured MSME, SME and vehicle financing across rural, semi‑urban and select urban clusters, operating a branch‑led distribution model with 170 branches and an AUM of ₹1,451.10 crore as of 9M FY26, serving ~40,800 customers with a mix of mortgage‑backed MSME and vehicle assets. The company has delivered rapid scale: AUM grew 21% year‑on‑year to ₹1,451 crore and NII rose 43% to ₹109.7 crore in 9M FY26, while PAT increased ~36% to ₹29.1 crore, reflecting high yield portfolio economics (portfolio yield ~21.8%) and improving spreads despite elevated operating expenses tied to branch expansion. Key operating strengths include a large and diversified lender franchise (50+ institutions), a technology stack (AWS, LOS/LMS, e‑collections, SOC2 compliance) that reduces turnaround time, and a conservative cash‑flow and collateral underwriting framework that historically kept GNPA low; these support the company’s stated ambition to reach ~30% AUM CAGR. The company flagged a one‑off DA partner stress that materially increased reported GNPA to 2.40% (net 1.24%); management says excluding that counterparty event underlying GNPA would be ~0.94%, implying asset quality remains structurally strong but exposed to counterparty DA concentration risks. Liquidity and capitalization are robust for current plans: CRAR at 28.4%, net worth surged ~83% YoY to ₹445.2 crore post IPO, and ALM shows positive cumulative short‑term surplus, positioning Laxmi India Finance Limited to pursue growth while targeting cost of funds compression over the next 12–24 months.
Over the past 52 weeks, Laxmi India Finance Ltd has traded between a low of ₹70.94 and a high of ₹180.75. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Laxmi India Finance Ltd has a market capitalization of approximately 629.36. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Laxmi India Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 9.29 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 629.36 Cr, Laxmi India Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Laxmi India Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Laxmi India Finance Ltd is 9.29. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Operational update
Laxmi India Finance reports FY26 operational update: AUM +27.34% to Rs 1,626.26 crore; customers +20.35% to 42,809; disbursements Rs 821.43 crore (+14.32%); branches 176; cost of funds down to 10.80%; Acuité upgraded to A (Stable); provisional.
Operational Update
Laxmi India Finance reported FY26 operational highlights: customer base +20.35% to 42,809; AUM Rs1,626.26 crore (+27.34%); disbursements Rs821.43 crore (+14.32%); branches 176; cost of funds down to 10.80%; credit rating upgraded to ACUITE A (Stable).
