L&T Finance Share Price Prediction 2027: Scenario Targets, Valuation and Technical Outlook

L&T Finance share price prediction 2027 comes down to earnings growth and the multiple investors pay for it, and the reported numbers give a measured answer. The stock trades at Rs 260.40 on NSE as of 9 October 2026, 23.1% below its 52-week high of Rs 338.60, after the company reported net profit of Rs 2,982.87 crore for FY26.

This L&T Finance stock forecast 2027 builds conservative, base and bull scenarios from exchange-reported financials, shareholding data and daily price indicators, with every assumption shown.

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L&T Finance Share Price Today and Key Data

The L&T Finance share price today is Rs 260.40 on NSE, up 1.17% on the day. The market capitalisation stands at Rs 64,440 crore. Over the past year the price has risen 0.1% from Rs 260.24. Every L&T Finance stock forecast figure below starts from this price.

Metric	Value
Company	L&T Finance (LTF)
Current Price	Rs 260.40
52-Week High	Rs 338.60 (7 July 2026)
52-Week Low	Rs 234.90 (2 April 2026)
Market Cap	Rs 64,440 crore
PE Ratio	20.15
Industry PE	17.72
PB Ratio	2.30
EPS (TTM)	Rs 12.76
Return on Equity	10.65%
Debt to Equity	3.94
Dividend Yield	1.07%
Book Value per Share	Rs 111.66

What Is the L&T Finance Share Price Prediction for 2027?

The L&T Finance share price prediction for 2027 is a conservative case of Rs 293, a base case of Rs 312 and a bull case of Rs 326. Against Rs 260.40, these imply 12.5% upside, 19.8% upside and 25.2% upside. They are model scenarios built from reported EPS growth, not broker targets.

Scenario	EPS Growth Basis	EPS Estimate	PE Multiple	Implied Value	Upside vs Current Price
Conservative Case	Lower of FY26 growth (12.4%) and 4-year CAGR (28.8%)	Rs 14.34 (+12.4%)	Unchanged from today (price to EPS ratio kept constant)	Rs 293	+12.5%
Base Case	Average of the two (capped at 20%)	Rs 15.31 (+20.0%)	Unchanged from today (price to EPS ratio kept constant)	Rs 312	+19.8%
Bull Case	Higher of the two (capped at 25%)	Rs 15.95 (+25.0%)	Unchanged from today (price to EPS ratio kept constant)	Rs 326	+25.2%

Each target takes today's price of Rs 260.40 and scales it by the EPS growth assumed for that case, which is the same as holding the PE multiple constant. The conservative case uses the lower of the FY26 EPS growth and the 4-year EPS CAGR, the base case uses their average and the bull case uses the higher figure. Together they form the L&T Finance target price range for the FY27 outlook over the next 12 months, and the range is not a point estimate.

L&T Finance Share Price Forecast: What Has to Go Right by 2027

Each L&T Finance target price below depends on a specific EPS outcome, and the text states that outcome next to the number.

Conservative Case for the L&T Finance Share Price Target: Rs 293

Reaching Rs 293 needs EPS to rise 12.4% to Rs 14.34 while the stock keeps its current PE multiple. That matches the FY26 EPS growth of 12.4%.

Base Case for the L&T Finance Share Price Target: Rs 312

Reaching Rs 312 needs EPS to rise 20.0% to Rs 15.31, the average of the FY26 growth rate and the 4-year CAGR. Net profit growth of 30.7% in Q1 FY27 is at or above that pace, which supports the target.

Bull Case for the L&T Finance Share Price Target: Rs 326

Reaching Rs 326 needs EPS to rise 25.0% to Rs 15.95 with the PE multiple held at today's level. That sits inside the 52-week range of Rs 234.90 to Rs 338.60. A daily close above the nearest resistance level of Rs 281.06 (Supertrend) would be the first technical confirmation.

L&T Finance Financial Performance: Revenue, Profit and Margins

L&T Finance earned net profit of Rs 2,982.87 crore on revenue of Rs 17,917.03 crore in FY26, with profit up 12.8% and revenue up 12.4% compared with FY25. Diluted EPS was Rs 11.88 against Rs 10.57 a year earlier, and that earnings base anchors the L&T Finance share price forecast.

Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Operating Margin	Net Margin
FY22	12,323.55	849.23	4.32	55.02%	6.89%
FY23	13,301.70	-728.89	6.54	37.16%	-5.48%
FY24	14,726.25	2,317.13	9.30	57.93%	15.73%
FY25	15,940.98	2,643.42	10.57	60.45%	16.58%
FY26	17,917.03	2,982.87	11.88	61.07%	16.65%

In the latest reported quarter, Q1 FY27 (quarter ended June 2026), revenue was Rs 5,243.31 crore against Rs 4,259.60 crore a year earlier (+23.1%), and the bottom line was a net profit of Rs 915.99 crore against a net profit of Rs 700.84 crore (+30.7%). Operating margin was 62.71% versus 61.50% in the year-ago quarter. Cash flow from operations was Rs -14,189.24 crore in FY26 against Rs -16,587.47 crore in FY25. Together these figures set the earnings base for the L&T Finance share price prediction.

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Is L&T Finance Overvalued or Undervalued Right Now?

L&T Finance trades at a PE of 20.15 against an industry PE of 17.72, which places the stock at a 13.7% premium to the industry average. The price-to-book ratio is 2.30 on a book value of Rs 111.66 per share. Return on equity of 10.65% means the company earns Rs 10.65 of profit for every Rs 100 of shareholder equity.

Debt to equity is 3.94, so borrowings equal about 394% of shareholder equity. The company declared a dividend of Rs 2.75 per share for FY26, a yield of 1.07% at the current price. This valuation context frames the L&T Finance stock price prediction for 2027 without relying on any outside forecast.

L&T Finance Stock Analysis: Technical Outlook

L&T Finance stock trades below its 50-day SMA of Rs 303.07 and below its 200-day EMA of Rs 286.31, and the combined daily indicators read bearish. The 52-week high of Rs 338.60 was set on 7 July 2026, while the 52-week low of Rs 234.90 came on 2 April 2026.

Indicator	Reading	Signal
RSI (14)	14.55	Oversold
MACD (12,26,9)	-13.65 vs signal -11.00	Bearish
ADX (14)	44.20	Established trend
Supertrend (10,3)	Price below Rs 281.06	Bearish
50-day SMA	Rs 303.07	Price below
200-day EMA	Rs 286.31	Price below

The nearest support level sits at Rs 234.90 (52-week low). The nearest resistance level sits at Rs 281.06 (Supertrend) and Rs 286.31 (200-day EMA). A sustained move above the nearest resistance would support the L&T Finance share price prediction 2027 base case, and this L&T Finance stock analysis uses daily candles only.

L&T Finance Shareholding Pattern

Promoters hold 65.96% of L&T Finance as of Jun 2026, down from 66.16% in Jun 2025 across the last 5 quarters. FII holding is 7.71% (up from 6.19% in Jun 2025) and DII holding is 14.90% (up from 14.11% in Jun 2025), which puts combined institutional holding at 22.61%. Public shareholders own 11.44%. Shareholding data is one input for any L&T Finance stock forecast.

Key Risks to the L&T Finance Share Price Target for 2027

Earnings and Margin Risk

Operating margin has ranged from 37.16% to 61.07% between FY22 and FY26, so a slip toward the lower end would trim the EPS estimate behind the L&T Finance stock forecast. Revenue was up 12.4% in FY26, and slower revenue growth would weigh on the profit path.

Size and Liquidity Risk

Market capitalisation stands at Rs 64,440 crore. Investors should check daily traded volumes and order book depth on NSE before sizing a position, because price moves can be sharper when volumes thin out. Liquidity is a practical constraint on any L&T Finance stock price target.

Balance Sheet Risk

Debt to equity of 3.94 means borrowings stand at about 394% of shareholder equity. A rise in borrowing costs or a jump in debt would weigh on profit and on the multiple behind the L&T Finance share price forecast.

Technical Risk

The daily indicators read bearish, so the targets above may need a technical turn before the price follows earnings. A daily close below Rs 234.90 (52-week low) would weaken the setup further.

Conclusion

This L&T Finance stock analysis puts the share price target range for 2027 at Rs 293 to Rs 326, with a base case of Rs 312 against Rs 260.40 today. The inputs are a PE of 20.15 that sits at a 13.7% premium to the industry average, EPS growth of 12.4% in FY26 and a daily technical setup that reads bearish. The next quarterly result will show which scenario is gaining ground. This analysis is educational, so consult a SEBI-registered advisor before acting on it.

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Frequently Asked Questions on L&T Finance Share Price Prediction 2027

What is the L&T Finance share price target for 2027?

Ans. The L&T Finance share price forecast for 2027 has a conservative case of Rs 293, a base case of Rs 312 and a bull case of Rs 326. These are model scenarios based on reported EPS growth, and they are not guaranteed outcomes.

What is the L&T Finance share price today?

Ans. L&T Finance trades at Rs 260.40 on NSE as of 9 October 2026, up 1.17% on the day. The 52-week range is Rs 234.90 to Rs 338.60.

Is L&T Finance a good stock to buy for 2027?

Ans. The data points in different directions: the PE of 20.15 is at a 13.7% premium to the industry average, EPS grew 12.4% in FY26 and the daily technical setup reads bearish. This article does not constitute investment advice, so consult a SEBI-registered advisor before deciding.

Can L&T Finance stock reach Rs 326 in 2027?

Ans. Reaching Rs 326 needs EPS to rise 25.0% from Rs 12.76 with the PE multiple held at today's level, plus a daily close above Rs 281.06 (Supertrend). This is a scenario, not a guarantee.

What are the support and resistance levels for L&T Finance?

Ans. The nearest support levels are Rs 234.90 (52-week low), and the nearest resistance levels are Rs 281.06 (Supertrend) and Rs 286.31 (200-day EMA).

What are the main risks for L&T Finance stock in 2027?

Ans. The main risks to the L&T Finance share price forecast are a fall in operating margin from the 37.16% to 61.07% range seen since FY22, slower revenue growth after FY26 revenue was up 12.4%, and thin trading volumes. Debt to equity of 3.94 adds balance sheet sensitivity.

How is the L&T Finance target price for 2027 calculated?

Ans. Each target scales the current price by assumed EPS growth at a constant PE multiple. The conservative case uses 12.4% growth, the base case 20.0% and the bull case 25.0%, all drawn from the company's reported FY26 and 4-year EPS growth.