Leading Leasing Finance And Investment Company Limited (LLFICL.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-34807.1%

-₹253.36

vs ₹0.73 price

Levered DCF

-₹572.25

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

1.15

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	3.88×	58.78×	9.6×	1×	139.43×	96.22×	84×	53.5×
P/B	0.1×	0.05×	1.48×	0.18×	8.22×	8.42×	14.16×	8.3×
P/S	0.49×	0.19×	4.12×	0.6×	55.03×	6.46×	28.53×	37.05×
EV / EBITDA	19.84×	91.28×	40.24×	19.51×	168.09×	123.5×	124.89×	42.65×
Gross margin	45.6%	19.8%	70.1%	88.4%	72.5%	10.1%	33.9%	73.7%
Operating margin	16.7%	8.8%	60.5%	82.0%	54.4%	9.2%	45.1%	96.8%
Net margin	12.7%	13.0%	42.1%	60.4%	39.6%	6.7%	33.2%	70.1%
Current ratio	18.83×	2.39×	38.44×	22.52×	26.28×	29.87×	97.39×	17.94×
Debt / equity	0.56×	3.99×	7.76×	4.83×	5.89×	6.35×	13.79×	0.97×
Interest coverage	0×	0×	0×	0×	0×	0×	0×	4,308.4×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	2.5%	3.1%	15.1%	18.5%	5.9%	8.8%	16.5%	15.7%
Return on invested capital	1.6%	0.3%	1.7%	3.2%	0.9%	1.2%	1.1%	7.9%
Return on assets	1.6%	0.6%	1.7%	3.0%	0.8%	1.2%	1.1%	7.5%
Free cash flow yield	474.2%	-7577.0%	-183.8%	0.3%	-0.0%	-0.1%	-0.0%	0.1%
Earnings yield	25.8%	66.6%	10.2%	100.2%	0.7%	1.0%	1.2%	1.9%
Enterprise value	₹4.9B	₹4.9B	₹1.2B	₹586.3M	₹1.4B	₹1.3B	₹2.3B	₹636.9M
Net debt / EBITDA	16.9×	90.23×	33.54×	18.78×	70.14×	53.07×	61.59×	4.42×
Cash conversion cycle (days)	885	7,259	8,150	7,017	17,179	2,118	10,946	3,145