{"id":76112,"date":"2026-04-23T13:32:57","date_gmt":"2026-04-23T08:02:57","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=76112"},"modified":"2026-04-23T13:32:59","modified_gmt":"2026-04-23T08:02:59","slug":"l-and-t-finance-q4-results-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/","title":{"rendered":"L and T Finance Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook"},"content":{"rendered":"<p>L and T Finance (LTF) is set to announce its Q4 FY26 results in April 2026. Investors and market participants are keenly watching the upcoming quarterly numbers for one of India&#8217;s well-known NBFCs and Lending Finance companies. The Q4 FY26 earnings season is a critical period for equity markets as full-year financial performance comes into sharper focus.<\/p>\n<p>Analyst consensus estimates project L and T Finance Q4 FY26 revenue at Rs 4480 Cr, representing a year-on-year growth of approximately 5%, while PAT is estimated at Rs 670 Cr, a growth of approximately 8% compared to the same quarter in FY25. These estimates reflect the sector outlook and company-specific operational momentum observed over the preceding quarters.<\/p>\n<p>In this article, we provide a detailed preview of L and T Finance Q4 results 2026, including the expected date, key financial estimates, five growth factors, five risks and the latest analyst ratings. Get free investment insights on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a> to stay ahead of earnings season.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#L_and_T_Finance_Q4_Results_2026_Date\" title=\"L and T Finance Q4 Results 2026 Date\">L and T Finance Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Why_This_Quarter_Matters_for_L_and_T_Finance\" title=\"Why This Quarter Matters for L and T Finance\">Why This Quarter Matters for L and T Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#L_and_T_Finance_Q4_FY26_Earnings_Estimates\" title=\"L and T Finance Q4 FY26 Earnings Estimates\">L and T Finance Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#5_Key_Factors_That_Will_Drive_L_and_T_Finance_Q4_FY26_Performance\" title=\"5 Key Factors That Will Drive L and T Finance Q4 FY26 Performance\">5 Key Factors That Will Drive L and T Finance Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#1_Gold_Loan_Business_Growth\" title=\"1. Gold Loan Business Growth\">1. Gold Loan Business Growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#2_Housing_Finance_Resilience\" title=\"2. Housing Finance Resilience\">2. Housing Finance Resilience<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#3_Digital_Lending_Efficiency\" title=\"3. Digital Lending Efficiency\">3. Digital Lending Efficiency<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#4_Rural_and_Semi-Urban_Credit_Penetration\" title=\"4. Rural and Semi-Urban Credit Penetration\">4. Rural and Semi-Urban Credit Penetration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#5_Co-Lending_Partnerships\" title=\"5. Co-Lending Partnerships\">5. Co-Lending Partnerships<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#5_Risks_to_Watch_in_L_and_T_Finance_Q4_FY26\" title=\"5 Risks to Watch in L and T Finance Q4 FY26\">5 Risks to Watch in L and T Finance Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#1_MFI_Segment_Asset_Stress\" title=\"1. MFI Segment Asset Stress\">1. MFI Segment Asset Stress<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#2_Funding_Cost_Pressure\" title=\"2. Funding Cost Pressure\">2. Funding Cost Pressure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#3_RBI_Regulatory_Tightening\" title=\"3. RBI Regulatory Tightening\">3. RBI Regulatory Tightening<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#4_Unsecured_Book_Stress\" title=\"4. Unsecured Book Stress\">4. Unsecured Book Stress<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#5_ALM_and_Liquidity_Risk\" title=\"5. ALM and Liquidity Risk\">5. ALM and Liquidity Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#L_and_T_Finance_Share_Price_and_Analyst_Ratings\" title=\"L and T Finance Share Price and Analyst Ratings\">L and T Finance Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#What_is_the_L_and_T_Finance_Q4_results_2026_date\" title=\"What is the L and T Finance Q4 results 2026 date?\">What is the L and T Finance Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#What_is_the_L_and_T_Finance_Q4_FY26_PAT_estimate\" title=\"What is the L and T Finance Q4 FY26 PAT estimate?\">What is the L and T Finance Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#What_is_L_and_T_Finance_share_price_ahead_of_Q4_results\" title=\"What is L and T Finance share price ahead of Q4 results?\">What is L and T Finance share price ahead of Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Will_L_and_T_Finance_declare_a_dividend_in_Q4_2026\" title=\"Will L and T Finance declare a dividend in Q4 2026?\">Will L and T Finance declare a dividend in Q4 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Which_analysts_have_a_Buy_rating_on_L_and_T_Finance\" title=\"Which analysts have a Buy rating on L and T Finance?\">Which analysts have a Buy rating on L and T Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#What_were_L_and_T_Finance_Q3_FY26_results\" title=\"What were L and T Finance Q3 FY26 results?\">What were L and T Finance Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#When_do_Infosys_and_TCS_announce_Q4_results_2026\" title=\"When do Infosys and TCS announce Q4 results 2026?\">When do Infosys and TCS announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Is_L_and_T_Finance_a_good_investment_ahead_of_Q4_results\" title=\"Is L and T Finance a good investment ahead of Q4 results?\">Is L and T Finance a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/l-and-t-finance-q4-results-2026\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"L_and_T_Finance_Q4_Results_2026_Date\"><\/span><strong>L and T Finance Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Access premium research and earnings previews on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a> before every major result announcement.<\/p>\n<p>The L and T Finance Q4 FY26 results are expected to be declared in April 2026. The board of directors will convene a meeting to approve the audited financial results for the quarter and full year ended March 31, 2026. The exact date will be intimated through BSE and NSE filings. Investors should monitor exchange announcements for the confirmed date.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<td><strong>Company<\/strong><\/td>\n<td><strong>Q4 Results Date<\/strong><\/td>\n<td><strong>Key Watch<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/blogs\/tcs-q4-results-2026-date-preview\">TCS<\/a><\/td>\n<td>April 9, 2026<\/td>\n<td>Revenue growth and deal wins<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">Infosys<\/a><\/td>\n<td>April 23, 2026<\/td>\n<td>FY27 guidance and margin outlook<\/td>\n<\/tr>\n<tr>\n<td>L and T Finance<\/td>\n<td>April 2026 (Expected)<\/td>\n<td>Revenue, PAT and dividend announcement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Why_This_Quarter_Matters_for_L_and_T_Finance\"><\/span><strong>Why This Quarter Matters for L and T Finance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>NBFCs face a mixed Q4 FY26 environment. Gold loan and housing finance businesses are performing strongly while microfinance and unsecured consumer lending face elevated stress. Funding cost management remains the key pivot point for earnings.<\/p>\n<p>For L and T Finance specifically, Q4 FY26 is a critical quarter as it determines the full-year FY26 performance trajectory. The management&#8217;s commentary on FY27 outlook, any guidance revision and dividend announcement will be equally important for investor sentiment as the headline revenue and PAT numbers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"L_and_T_Finance_Q4_FY26_Earnings_Estimates\"><\/span><strong>L and T Finance Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Screen L and T Finance fundamentals, historical financials and technical indicators on <a href=\"https:\/\/univest.in\/screeners\">Univest Screener<\/a>.<\/p>\n<p>Based on analyst consensus and sector-level research, L and T Finance is expected to report Q4 FY26 revenue of Rs 4480 Cr, up 5% year-on-year. PAT is estimated at Rs 670 Cr, reflecting 8% growth. EBITDA margin is expected to come in at approximately 18.4%, showing improvement compared to the year-ago quarter driven by operating leverage and cost efficiencies.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<td><strong>Metric<\/strong><\/td>\n<td><strong>Q3 FY26 (Actual)<\/strong><\/td>\n<td><strong>Q4 FY26 (Estimate)<\/strong><\/td>\n<td><strong>YoY Change<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Revenue (Rs Cr)<\/td>\n<td>4280<\/td>\n<td>4480<\/td>\n<td>+5% (Est)<\/td>\n<\/tr>\n<tr>\n<td>PAT (Rs Cr)<\/td>\n<td>620<\/td>\n<td>670<\/td>\n<td>+8% (Est)<\/td>\n<\/tr>\n<tr>\n<td>PAT Margin (%)<\/td>\n<td>14.5%<\/td>\n<td>18.4%<\/td>\n<td>Expanding<\/td>\n<\/tr>\n<tr>\n<td>Dividend History<\/td>\n<td colspan=\"2\">Rs 1.00 per share<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>Dividend Expectation<\/td>\n<td colspan=\"2\">Rs 1.50 final dividend expected<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Beyond the headline numbers, key metrics to watch include EBITDA margin trajectory, working capital management, order book or pipeline commentary and management guidance for FY27. These forward-looking indicators often have a larger impact on stock price reaction than the reported PAT figure alone.<\/p>\n<p>Track L and T Finance fundamentals and compare it with sector peers on <a href=\"https:\/\/univest.in\/screeners\">Univest Screener<\/a> for in-depth financial analysis.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Key_Factors_That_Will_Drive_L_and_T_Finance_Q4_FY26_Performance\"><\/span><strong>5 Key Factors That Will Drive L and T Finance Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Gold_Loan_Business_Growth\"><\/span><strong>1. Gold Loan Business Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Record gold prices and strong rural credit demand are driving exceptional AUM growth for gold-backed lending businesses. Rising gold collateral values also reduce LTV risk and improve portfolio quality, making this the standout NBFC segment for the quarter.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Housing_Finance_Resilience\"><\/span><strong>2. Housing Finance Resilience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Affordable housing loan disbursements remain healthy, backed by PMAY demand and mortgage rates at attractive levels. Rising property prices are lifting average ticket sizes, supporting AUM growth even at flat disbursement volumes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Digital_Lending_Efficiency\"><\/span><strong>3. Digital Lending Efficiency<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Technology-enabled underwriting and digital collections are improving turnaround times, reducing credit costs and enabling geographic expansion without proportionate headcount growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Rural_and_Semi-Urban_Credit_Penetration\"><\/span><strong>4. Rural and Semi-Urban Credit Penetration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Significant unmet credit demand in rural India provides a large structural growth runway for NBFCs with strong distribution networks in smaller towns and districts.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Co-Lending_Partnerships\"><\/span><strong>5. Co-Lending Partnerships<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bank co-lending tie-ups provide lower-cost funding access and enable balance sheet growth without proportionate equity capital, improving return ratios for well-positioned NBFCs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_L_and_T_Finance_Q4_FY26\"><\/span><strong>5 Risks to Watch in L and T Finance Q4 FY26<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_MFI_Segment_Asset_Stress\"><\/span><strong>1. MFI Segment Asset Stress<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Microfinance books are showing elevated borrower over-indebtedness and collection efficiency stress, particularly in Southern and Eastern states, which could spike credit costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Funding_Cost_Pressure\"><\/span><strong>2. Funding Cost Pressure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Market-linked borrowing costs remain structurally higher than bank deposits, continuously compressing NBFC NIMs and requiring scale to offset margin headwinds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_RBI_Regulatory_Tightening\"><\/span><strong>3. RBI Regulatory Tightening<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>New regulations on NBFC lending rates, pricing transparency and collections practices add compliance overhead and may restrict certain high-yield business practices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Unsecured_Book_Stress\"><\/span><strong>4. Unsecured Book Stress<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Consumer lending and personal loan books are showing early stress signals in some income segments, warranting higher provisioning in Q4 for conservative NBFCs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_ALM_and_Liquidity_Risk\"><\/span><strong>5. ALM and Liquidity Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Maturity mismatches between short-term borrowings and medium-term loans create funding risk during tight liquidity conditions and can pressure asset-liability management.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"L_and_T_Finance_Share_Price_and_Analyst_Ratings\"><\/span><strong>L and T Finance Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L and T Finance (LTF) is currently trading at Rs 122 with a market capitalisation of approximately Rs 30,600 Cr. The stock has been under investor scrutiny ahead of Q4 results, with analysts closely monitoring sector trends and company-specific developments that could influence the quarterly outcome.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<td><strong>Brokerage<\/strong><\/td>\n<td><strong>Rating<\/strong><\/td>\n<td><strong>Target Price<\/strong><\/td>\n<td><strong>Thesis<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Emkay Global<\/td>\n<td><strong>Buy<\/strong><\/td>\n<td>Rs 143<\/td>\n<td>Gold loan growth and rural credit penetration<\/td>\n<\/tr>\n<tr>\n<td>ICICI Direct<\/td>\n<td><strong>Neutral<\/strong><\/td>\n<td>Rs 128<\/td>\n<td>MFI stress weighing on near-term earnings<\/td>\n<\/tr>\n<tr>\n<td>JM Financial<\/td>\n<td><strong>Buy<\/strong><\/td>\n<td>Rs 143<\/td>\n<td>Diversified portfolio and digital efficiency gains<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or the <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track L and T Finance share price, analyst ratings and earnings updates in real time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L and T Finance heads into Q4 FY26 with reasonable earnings visibility, supported by sector tailwinds and company-specific operational improvements. The Q4 numbers will be an important validation of the full-year FY26 investment thesis. Investors should track the results date, dividend announcement and management commentary on FY27 guidance closely. For ongoing research and stock insights, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p>\n<p>This article is for informational and educational purposes only and does not constitute investment advice. All estimates are based on publicly available analyst research and are subject to change. Consult a SEBI-registered advisor before making investment decisions.<\/p>\n<p>For more Q4 FY26 results previews, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_L_and_T_Finance_Q4_results_2026_date\"><\/span><strong>What is the L and T Finance Q4 results 2026 date?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The L and T Finance Q4 FY26 results are expected to be announced in April 2026. The exact date will be confirmed by the company&#8217;s board through a BSE and NSE filing. Check <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a> for real-time updates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_L_and_T_Finance_Q4_FY26_PAT_estimate\"><\/span><strong>What is the L and T Finance Q4 FY26 PAT estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Analyst consensus estimates put L and T Finance Q4 FY26 PAT at approximately Rs 670 Cr, representing a year-on-year growth of approximately 8% compared to the same quarter in FY25. These are estimates and actual results may vary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_L_and_T_Finance_share_price_ahead_of_Q4_results\"><\/span><strong>What is L and T Finance share price ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L and T Finance share price (ticker: LTF) is trading near Rs 122 with a market capitalisation of approximately Rs 30,600 Cr. Investors should track the stock on <a href=\"https:\/\/univest.in\/screeners\">Univest Screener<\/a> for live price and fundamental data.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_L_and_T_Finance_declare_a_dividend_in_Q4_2026\"><\/span><strong>Will L and T Finance declare a dividend in Q4 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Based on available analyst estimates and historical dividend patterns, Rs 1.50 final dividend expected. L and T Finance&#8217;s historical dividend record shows Rs 1.00 per share. A final dividend announcement is typically made at the board meeting where Q4 results are declared.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_analysts_have_a_Buy_rating_on_L_and_T_Finance\"><\/span><strong>Which analysts have a Buy rating on L and T Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Based on publicly available brokerage research, Emkay Global has a Buy rating on L and T Finance with the thesis: Gold loan growth and rural credit penetration. Ratings are subject to change; always consult a SEBI-registered advisor before investing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_were_L_and_T_Finance_Q3_FY26_results\"><\/span><strong>What were L and T Finance Q3 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L and T Finance reported Q3 FY26 revenue of Rs 4280 Cr and PAT of Rs 620 Cr. The management commentary highlighted key operational metrics and sector-specific guidance that set the expectations benchmark for Q4 FY26 performance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_do_Infosys_and_TCS_announce_Q4_results_2026\"><\/span><strong>When do Infosys and TCS announce Q4 results 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/univest.in\/blogs\/tcs-q4-results-2026-date-preview\">TCS announced its Q4 FY26 results on April 9, 2026<\/a>, while <a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">Infosys announced on April 23, 2026<\/a>. These results set the broader IT sector tone and benchmark for Q4 earnings season.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_L_and_T_Finance_a_good_investment_ahead_of_Q4_results\"><\/span><strong>Is L and T Finance a good investment ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>L and T Finance operates in the NBFCs and Lending Finance sector and its Q4 FY26 performance will be determined by the factors outlined above. Any investment decision should be based on your personal financial goals, risk tolerance and a consultation with a SEBI-registered investment advisor. Access research on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p>\n<p><strong>Disclaimer:<\/strong> Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE and BSE filings and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/indraprastha-medical-corporation-q4-results-2026\">Indraprastha Medical Corporation Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/indogulf-cropsciences-q4-results-2026\">Indogulf Cropsciences Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/jayant-agro-organics-q4-results-2026\">Jayant Agro Organics Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/jamna-auto-industries-q4-results-2026-2\">Jamna Auto Industries Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p class=\"text-xl font-bold font-Inter mb-4\"><a href=\"https:\/\/univest.in\/blogs\/iris-clothings-q4-results-2026\">Iris Clothings Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get the complete L and T Finance Q4 Results 2026 preview including expected date, revenue estimate of Rs 4480 Cr, PAT estimate of Rs 670 Cr and latest analyst ratings. Updated on Univest.<\/p>\n","protected":false},"author":28,"featured_media":76267,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802,3858],"class_list":["post-76112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news","tag-q4-results"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1776931400:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["75"],"rank_math_title":["L and T Finance Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook"],"rank_math_description":["L and T Finance Q4 Results 2026 preview including expected date, revenue estimate of Rs 4480 Cr, PAT estimate of Rs 670 Cr and latest analyst ratings. 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