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Aditya Birla Capital

ABCAPITAL NSE
₹379.95 −1.05 (−0.28%)
P/E
25.26
View as Markdown
MCP
Close 4 Nov 2026 ₹379.95 +52.90 +16.2% 1Y
Start ₹327.05

Key Fundamentals

MidcapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
5.22
EPS (TTM)
₹15.04
Book Value
₹155.91
Market Cap
—
P/E (TTM)
25.26
P/B
2.44
ROE
12.00%
Dividend Yield
0.00%
52W High
₹430.70
52W Low
₹287.70
Day Range
₹377.90 – ₹386.35
Volume
18,04,014
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Investment Company

Aditya Birla Capital peer comparison
Jio Financial
₹222.2784.51₹1,43,288 Cr1.160.28%1.19%1.86%₹5,623 Cr₹1,711 Cr
Aditya Birla Capital (this company)
₹379.9525.26₹1,05,060 Cr2.440.00%12.00%—₹48,186 Cr₹4,119 Cr
Tata Investment Corporation
₹564.5066.26₹28,326 Cr0.920.61%1.44%1.57%₹404 Cr₹431 Cr
Cholamandalam Financial Holdings
₹1,374.809.67₹26,343 Cr1.670.09%17.50%—₹40,890 Cr₹6,015 Cr
TVS Holdings
₹12,237.0012.55₹24,865 Cr3.700.69%30.60%17.00%₹62,488 Cr₹3,888 Cr
Maharashtra Scooters
₹11,775.0048.32₹13,738 Cr0.421.32%1.06%1.06%₹289 Cr₹279 Cr
JSW Holdings
₹10,942.0088.41₹12,133 Cr0.340.00%0.46%0.59%₹184 Cr₹138 Cr
Median 7 companies₹1,374.8048.32₹26,343 Cr1.160.28%1.44%1.57%₹5,623 Cr₹1,711 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

43 Weak

Data confidence 94/100

Category scores

Quality
34
Poor
Returns, margins, earnings quality 22% weight
Valuation
40
Weak
Cheap vs sector & own history 24% weight
Growth
56
Good
Sales & profit trajectory 9% weight
Financial Health
27
Poor
Solvency, leverage, coverage 9% weight
Momentum
53
Average
Trend strength, vol-adjusted 12% weight
Ownership
48
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company's median sales growth is 17.5% of last 10 years

Weaknesses

4
  • Stock is trading at 2.89 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.5% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBullish748
OscillatorsBearish342
Moving AveragesStrong Bullish406

Key readings

RSI (14)
54.22
Neutral
MACD (12,26,9)
−3.58
Bullish
SMA (50)
385.38
Bearish
SMA (200)
366.35
Bullish

As of

Analyst Rating

Based on 14 analysts
BUY100%

14 of 14 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
14
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+28.72%
5Y+18.77%
3Y+14.70%
1Y+12.01%
TTM+16.34%

Net profit

Net profit growth by window
10Y+22.12%
5Y+28.43%
3Y−7.13%
1Y+14.25%
TTM+18.19%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹5,882 Cr
Mar 2018₹11,526 Cr
Mar 2019₹15,168 Cr
Mar 2020₹16,696 Cr
Mar 2021₹19,260 Cr
Mar 2022₹22,232 Cr
Mar 2023₹30,163 Cr
Mar 2024₹33,958 Cr
Mar 2025₹40,632 Cr
Mar 2026₹45,513 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹691 Cr
Mar 2018₹693 Cr
Mar 2019₹811 Cr
Mar 2020₹866 Cr
Mar 2021₹1,106 Cr
Mar 2022₹1,660 Cr
Mar 2023₹4,824 Cr
Mar 2024₹3,439 Cr
Mar 2025₹3,382 Cr
Mar 2026₹3,864 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EBITDA
₹8,746 Cr
Reported High Mean Low

Analyst consensus here uses a different definition from reported ebitda (they differ 2.7× on periods where both exist), so the forecast is shown on its own rather than joined to the reported line.

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk medium

Aditya Birla Capital Ltd trades at ₹378.3 as of 2026-11-02 with a market cap of ₹99,680.64 crore and a P/E of 25.15x. The company has delivered strong long-term revenue compounding at 29% over 10 years but faces headwinds including a 3-year profit CAGR of -7%, no dividend payouts, and a modest ROE of 10.51%.

Bull Case 8
  • Compounded sales growth of 29% over 10 years demonstrates a sustained long-term revenue expansion track record
  • Stock price CAGR of 29% over 5 years and 28% over 3 years indicates strong sustained wealth creation for shareholders
  • TTM profit growth of 18% signals a recovery in earnings momentum after a weaker 3-year stretch
  • Median sales growth of 17.5% over the last 10 years reflects consistent top-line performance across cycles
  • 5-year compounded profit growth of 28% shows the company delivered robust earnings expansion over a medium-term horizon
  • TTM revenue growth of 16% indicates the business continues to scale at a healthy double-digit pace
  • 5-year ROE average of 15% suggests the company has historically generated reasonable returns on shareholder equity over a medium-term period
  • Trading at ₹378.3 versus a 52-week low of ₹287.7, the stock is 31.5% above its bottom, reflecting positive price momentum over the past year
Bear Case 8
  • 3-year compounded profit growth of -7% indicates earnings have actually declined on a trailing 3-year basis, raising questions about recent profitability trends
  • Current ROE of 10.51% and 3-year average ROE of 12.5% are low for a financial services company, suggesting suboptimal capital efficiency
  • The company pays zero dividend despite reporting repeated profits, offering no income return to shareholders at a 0% dividend yield
  • Price-to-book ratio of 2.43x (and flagged at 2.89x on a separate basis) is elevated, meaning the stock commands a significant premium over its net asset value
  • Low interest coverage ratio indicates potential vulnerability in servicing debt obligations, a critical risk for a financial services firm
  • ROCE of 8.47% is modest, suggesting the overall capital deployed in the business generates limited returns
  • The stock trades 12.2% below its 52-week high of ₹430.7, indicating it has given back gains and may face overhead resistance
  • EPS of ₹15.04 against a share price of ₹378.3 results in an earnings yield of roughly 4%, which is not especially compelling relative to risk-free alternatives

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Aditya Birla Capital delivered a strong Q2 FY27 with 38% profit growth and 32% lending AUM expansion, led by housing finance and NBFC segments showing improving asset quality. Key risks include a sharp 74% drop in health insurance profits and margin pressure in the mutual fund business. The core lending franchise is scaling well with healthy RoA and improving stage metrics, suggesting the overall growth trajectory remains firmly positive heading into H2 FY27.

Headwinds 2
  • Health insurance profit drops 74% Oct 30

    Health insurance profit fell 74% to ₹27 crore from ₹105 crore YoY, with combined operating ratio deteriorating to 106.5% in H1FY27 from 103.1% a year earlier.

  • MF net profit down 8% Oct 30

    Mutual fund segment net profit declined 8% to ₹221 crore despite quarterly average AUM growing 4% to ₹4.42 lakh crore, suggesting margin compression.

Positives 6
  • Q2 net profit surges 38% Oct 30

    Consolidated net profit rose 38% YoY to ₹1,288 crore in Q2 FY27, with revenue jumping 31% to ₹16,545 crore. H1 FY27 consolidated PAT stood at ₹2,462 crore versus ₹1,772 crore YoY.

  • Lending AUM up 32% YoY Oct 30

    Total lending AUM grew 32% YoY and 7% sequentially to ₹2,33,930 crore as of September 30, 2026. Business loans crossed ₹1 trillion, up 30% YoY.

  • Housing finance disbursals surge 55% Oct 30

    Housing finance disbursements jumped 55% to ₹8,957 crore with PBT rising 73% to ₹335 crore, making it the fastest-growing lending segment.

Neutral 1
  • ₹400 crore NCD allotment Oct 15

    Allotted secured non-convertible debentures worth ₹400 crore on private placement basis, maturing in September 2028.

Quarterly Results

₹ Cr
ABCAPITAL quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
7,045
7,607
8,800
10,780
8,673
10,322
9,381
12,214
9,503
10,595
11,952
13,459
12,180
Expenses
4,490
4,798
5,764
7,182
5,458
6,604
5,876
8,419
5,652
6,594
7,645
8,924
7,221
Financing Profit
884
982
1,039
1,476
971
1,348
1,009
1,210
1,114
1,197
1,326
1,434
1,569
Fin. Margin %
13%
13%
12%
14%
11%
13%
11%
10%
12%
11%
11%
11%
13%
Other Income
70
70
60
183
150
124
85
219
139
92
72
89
153
Interest
1,671
1,827
1,997
2,122
2,244
2,369
2,496
2,585
2,736
2,804
2,981
3,101
3,390
Depreciation
43
46
50
53.5
55.44
60
64
68
71
77
76
82
82
PBT
912
1,006
1,050
1,606
1,067
1,413
1,030
1,361
1,182
1,212
1,322
1,441
1,641
Tax %
27%
28%
28%
20%
27%
28%
30%
35%
28%
27%
27%
27%
25%
Net Profit
666
725
760
1,288
779
1,021
724
886
854
882
966
1,047
1,224
EPS (₹)
2.5
2.71
2.83
4.79
2.92
3.84
2.72
3.32
3.21
3.27
3.61
3.86
4.3

Profit & Loss

₹ Cr
ABCAPITAL profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
2,710
3,645
5,882
11,526
15,168
16,696
19,260
22,232
30,163
33,958
40,632
45,513
48,186
Expenses
1,002
1,156
2,478
7,539
9,850
10,934
13,966
16,694
19,972
21,978
26,357
28,815
30,383
Financing Profit
596
877
1,105
963
1,208
1,128
1,378
2,058
5,469
4,364
4,581
5,076
5,527
Fin. Margin %
22%
24%
19%
8%
8%
7%
7%
9%
18%
13%
11%
11%
11%
Other Income
−39
24
4
177
230
254
282
351
311
390
508
502
405
Interest
1,112
1,612
2,299
3,024
4,109
4,634
3,916
3,480
4,722
7,617
9,694
11,622
12,276
Depreciation
37
33
43
44
58
103
114
122
145
188
246
307
317
PBT
519
869
1,066
1,096
1,381
1,280
1,546
2,287
5,635
4,566
4,843
5,271
5,616
Tax %
40%
40%
35%
37%
41%
32%
28%
27%
14%
25%
30%
27%
—
Net Profit
309
524
691
693
811
866
1,106
1,660
4,824
3,439
3,382
3,864
4,119
EPS (₹)
4.08
6.58
4.3
3.15
3.96
3.81
4.66
7.06
19.83
12.83
12.97
14.75
15.04
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
ABCAPITAL balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
757
796
1,232
2,201
2,201
2,414
2,415
2,416
2,418
2,600
2,607
2,620
Reserves
1,056
1,921
5,378
6,337
7,311
10,162
11,327
13,076
17,893
24,217
27,782
31,804
Borrowing
15,973
24,750
33,215
44,516
56,324
55,966
53,044
58,425
84,738
1,10,139
1,40,009
1,79,538
Other Liabilities
1,857
2,574
38,316
40,502
43,633
44,978
57,698
66,897
75,304
94,667
1,08,245
1,21,005
Total Liabilities
19,642
30,042
78,141
93,556
1,09,470
1,13,520
1,24,485
1,40,815
1,80,353
2,31,623
2,78,643
3,34,966
Fixed Assets
284
314
778
837
892
1,181
1,259
1,305
1,279
1,652
1,929
1,998
CWIP
8
11
35
33
34
74
45
45
44
94
122
114
Investments
720
1,363
11,760
39,573
43,955
48,415
57,703
67,355
80,383
99,539
1,12,953
1,25,116
Other Assets
18,630
28,353
65,569
53,113
64,589
63,850
65,478
72,110
98,647
1,30,338
1,63,639
2,07,738
Total Assets
19,642
30,042
78,141
93,556
1,09,470
1,13,520
1,24,485
1,40,815
1,80,353
2,31,623
2,78,643
3,34,966

Cash Flow

₹ Cr
ABCAPITAL cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0
−8,697
−7,570
−11,894
−10,256
4,271
64
−5,070
−24,029
−24,100
−27,935
−36,544
Investing
0
−638
−1,623
38
−690
−3,070
2,429
−1,446
−2,675
−4,590
933
−3,544
Financing
0
9,184
9,870
12,006
10,852
875
−2,581
5,836
26,385
28,514
29,778
38,161
Net Cash Flow
0
−151
678
150
−94
2,076
−88
−679
−318
−176
2,776
−1,927
Free Cash Flow
0
−8,745
−7,688
−12,049
−10,413
4,117
−84
−5,247
−24,268
−24,499
−28,382
−36,905

Ratios

ABCAPITAL financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
18%
23%
11%
9%
10%
8%
9%
12%
27%
14%
12%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Aditya Birla Capital insights

60 extracted metrics across FY09–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 68.82%
  • DIIs 13.38%
  • FIIs 8.92%
  • Public 6.53%
  • Others 2.34%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Aditya Birla Capital

What does Aditya Birla Capital Ltd do?
Aditya Birla Capital Limited, the holding company for the financial services businesses of the Aditya Birla Group, is a universal financial solutions group catering to the diverse financial needs of its customers across their life stages.
Where is Aditya Birla Capital Ltd (ABCAPITAL) listed?
Aditya Birla Capital Ltd trades as ABCAPITAL on the NSE and under code 540691 on the BSE.
Which sector does Aditya Birla Capital Ltd belong to?
Aditya Birla Capital Ltd is classified under the Financial Services sector, in the Investment Company industry.
What is the PE ratio of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd trades at a PE ratio of 25.26 as of 4 Nov 2026, on earnings per share of ₹15.04, against a book value of ₹155.91 per share.
What is the 52-week high and low of Aditya Birla Capital Ltd?
Over the last 52 weeks Aditya Birla Capital Ltd has traded between ₹287.7 and ₹430.7 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd reported a return on equity of 12.00%. Its debt-to-equity ratio is 5.22.

Company Information

Aditya Birla Capital Limited, the holding company for the financial services businesses of the Aditya Birla Group, is a universal financial solutions group catering to the diverse financial needs of its customers across their life stages.

Website adityabirlacapital.com
CEO Ms. Vishakha Vivek Mulye B.Com, CA
Employees 63,750
Listed 1 Sep 2017
Face Value ₹10

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