LAXMIINDIA
Laxmi India Finance Limited (LAXMIINDIA) Stock Analysis
Laxmi India Finance Limited is an Indian non-banking financial company providing vehicle and MSME loans in select geographies. It earns net interest income from secured lending with regional underwriting. The business is sensitive to credit costs and funding availability. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹106.20
-10.75% 1W | -26.00% 52W
Market Cap
557 CR
P/E Ratio
9.3
52W High
₹159.6
52W Low
₹71.1
Div. Yield
0%
Beta
–
50 DMA
₹126.5
200 DMA
₹110.8
Profit Margin
30.6%
Inst. Own.
0%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 51 | 59 | 61 | 74 | 70 | 76 | 79 | 93 | 94 |
| Interest | 24 | 28 | 30 | 32 | 33 | 34 | 34 | 36 | 38 |
| Expenses | 18 | 20 | 23 | 24 | 24 | 29 | 32 | 29 | 33 |
| Financing Profit | 9 | 11 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Financing Margin % | 17% | 19% | 13% | 25% | 18% | 17% | 17% | 29% | 24% |
| Other Income | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 |
| Depreciation | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
| Profit before tax | 9 | 12 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Tax % | 24% | 26% | 23% | 23% | 23% | 26% | 25% | 24% | 24% |
| Net Profit | 7 | 9 | 6 | 15 | 10 | 9 | 10 | 21 | 17 |
| EPS in Rs | 4.14 | 1.47 | 3.48 | 2.34 | 1.80 | 1.92 | 3.93 | 3.16 | |
| Gross NPA % | 0.97% | 1.07% | 1.28% | 1.59% | 2.40% | ||||
| Net NPA % | 0.53% | 0.48% | 0.68% | 0.85% | 1.24% |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 89 | 98 | 130 | 173 | 246 | 317 | 341 |
| Interest | 50 | 50 | 63 | 83 | 115 | 137 | 142 |
| Expenses | 21 | 28 | 45 | 60 | 84 | 114 | 123 |
| Financing Profit | 19 | 20 | 22 | 29 | 47 | 66 | 75 |
| Financing Margin % | 21% | 20% | 17% | 17% | 19% | 21% | 22% |
| Other Income | 0 | 1 | 1 | 2 | 2 | 3 | 3 |
| Depreciation | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| Profit before tax | 18 | 20 | 22 | 30 | 47 | 66 | 75 |
| Tax % | 41% | 25% | 27% | 24% | 24% | 25% | |
| Net Profit | 10 | 15 | 16 | 22 | 36 | 50 | 57 |
| EPS in Rs | 8.61 | 9.52 | 10.81 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 35.0% | 29.0% | – |
| Profit CAGR | 46.0% | 37.0% | – |
Shareholding Pattern
Promoters60.45%
FIIs4.61%
DIIs5.02%
Public29.91%
Promoters60.45%
FIIs3.31%
DIIs4.61%
Public31.62%
Promoters60.31%
FIIs1.58%
DIIs4.34%
Public33.78%
Promoters60.17%
FIIs1.40%
DIIs5.32%
Public33.12%
Promoters60.31%
FIIs1.58%
DIIs4.34%
Public33.78%
Promoters60.17%
FIIs1.40%
DIIs5.32%
Public33.12%
LAXMIINDIA
Holdings Analysis
Key strengths & risk signals
76
Overall
87
Fundamental
65
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
POOR YEAR! Stock declined 26.0% in the last year.
WEAK POSITION! Current price (106.2) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 10.8% (1 week), 19.6% (1 month), 4.2% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 30.6% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (126.5) is above 200-day average (110.8) - positive signal.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 257,117 vs down days: 152,063. Ratio: 1.69x
APPROACHING OVERSOLD! RSI at 31.4 - watch for reversal.
Fundamental & Technical Analysis
76Overall
87Fundamental
65Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 33.1% (EXCELLENT, 15/15). Profit CAGR: 46.1% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 30.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.20 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 29.91% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (126.5) is above 200-day average (110.8) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (106.2) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 26.0% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 257,117 vs down days: 152,063. Ratio: 1.69x
RSI
4/5
APPROACHING OVERSOLD! RSI at 31.4 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 39.7% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 10.8% (1 week), 19.6% (1 month), 4.2% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
LAXMIINDIA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-26 | Concall PDF | |
| Q4FY262026-05-19 | Concall PDF | |
| Q3FY262026-02-23 | Concall PDF | |
| Q2FY262025-11-24 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LAXMIINDIA | ₹106.20 | 9.3 | 30.6% | 33.1% | 46.1% | -26.0% | 76 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| MANCREDIT | ₹227.20 | 26.6 | 23.2% | 48.1% | 24.6% | +33.4% | 78 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
| UYFINCORP | ₹24.80 | 7.9 | 29.1% | 37.0% | 84.0% | +58.9% | 90 | BREAKOUT | +226.7% | +12.6% | +181.1% | +3.3% |
| CSLFINANCE | ₹203.30 | 5.4 | 32.5% | 29.8% | 23.6% | -27.5% | 62 | BREAKDOWN | +3.8% | +13.9% | +17.4% | +0.6% |
| MANBA | ₹141.60 | 14.6 | 33.8% | 35.9% | 39.9% | +5.7% | 84 | APPROACHING RESISTANCE | +35.7% | +19.8% | +35.1% | -7.9% |
| MONEYBOXX | ₹53.90 | 299.6 | 1.1% | 59.7% | – | -33.5% | 40 | APPROACHING RESISTANCE | 0.0% | -60.0% | -11.3% | -2.1% |
| MUTHOOTCAP | ₹209.50 | 14.4 | 9.3% | 11.5% | -47.8% | -22.0% | 48 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| CIFL | ₹20.10 | 20.3 | 7.3% | -7.4% | – | -40.1% | 42 | APPROACHING SUPPORT | +17.9% | +1,550.0% | +0.7% | +1.2% |
Data from TradeAlone · Updated daily
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