Aditya Birla Capital logo

Aditya Birla Capital

ABCAPITAL NSE

Key Fundamentals

MidcapInvestment CompanyFinancial Services
Market Cap
1.0L Cr
Volatility
Moderate
P/E Ratio
26.26
EBITDA
₹16,803 Cr
Return on Equity
10.51%
Debt to Equity
4.93
Book Value
₹140.34
EPS
₹13.24
52W High
₹430.7
52W Low
₹277.7

Tapetide Score

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

Key Insights

Strengths

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

Weaknesses

4
  • Stock is trading at 3.01 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.

Growth Rate

Revenue Growth
12.02% lower than 3Y
Net Income Growth
14.25% higher than 3Y
Cash Flow Change
-30.82% higher than 3Y
ROE
0.48% lower than 3Y
ROCE
-6.31% higher than 3Y
EBITDA Margin (Avg.)
4.39% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk medium

Aditya Birla Capital Ltd, with a market cap of ₹102,750 Cr, operates as a diversified financial services conglomerate. The stock trades at a P/E of 26.6x and 2.85x book value, with a 3-year ROE averaging 12% and TTM sales growth of 16%. The company has delivered strong long-term revenue compounding at 29% over 10 years but does not pay any dividend despite reporting consistent profits.

Bull Case 7
  • Strong long-term revenue compounding at 29% CAGR over 10 years, indicating sustained business expansion across financial services verticals
  • TTM sales growth of 16% and 3-year sales CAGR of 15% show continued topline momentum even on a larger base
  • Compounded profit growth of 28% over 5 years reflects improving profitability as operating leverage kicks in across lending and insurance businesses
  • Stock has delivered 38% returns over the past 1 year, with a 3-year CAGR of 30% and 5-year CAGR of 28%, demonstrating strong market re-rating
  • Median sales growth of 17.5% over the last 10 years provides evidence of consistency in revenue generation across market cycles
  • TTM profit growth of 18% remains healthy, suggesting the earnings trajectory is intact in the current fiscal period
  • 5-year ROE of 15% indicates the company has historically been able to generate reasonable shareholder returns at scale
Bear Case 8
  • Stock trades at 3.04x book value, which is elevated for a financial services company with only 12% ROE, implying the market is pricing in significant future improvement
  • Zero dividend yield despite repeated profitability suggests the company is retaining all earnings without returning capital to shareholders
  • Low interest coverage ratio raises concerns about the company's ability to comfortably service its debt obligations from operating earnings
  • 3-year ROE of only 12% and last year ROE of 12% remain below the 15% threshold typically expected from well-run NBFCs and financial conglomerates
  • 3-year compounded profit CAGR is negative at -7%, indicating earnings volatility and a significant profit decline during that window before recent recovery
  • P/E of 26.6x is on the higher side for a financial services holding company, leaving limited margin of safety if earnings growth disappoints
  • Debt-to-equity ratio is not disclosed, making it difficult to fully assess the leverage profile of the consolidated entity
  • The gap between 5-year profit CAGR of 28% and 3-year profit CAGR of -7% signals inconsistent earnings quality and potential base-effect distortions

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

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 3
  • Gold loan business launch Aug 20

    Aditya Birla Capital entered the gold loan segment with plans for 200-300 branches by March 2027 and 1,000 branches within three years. Shares rallied over 3.5% to ₹410.20 on the announcement, with the stock up 44% over the past year.

  • Strong Q1FY27 financial performance Aug 20

    Consolidated net profit jumped 40% YoY to ₹1,175 crore on revenue of ₹14,731 crore (up 29% YoY). NBFC AUM grew 27% YoY to ₹1.6 lakh crore with NII up 27.9% to ₹2,377 crore.

  • NBFC AUM and loan growth Aug 20

    Total business loans grew 31% YoY to ₹95,099 crore with retail and SME comprising ~68% of AUM. Asset quality remained broadly stable sequentially and improved YoY.

Neutral 3
  • Jefferies India Forum investor meet Sep 10

    Aditya Birla Capital will host a physical analyst and institutional investor meeting on September 16, 2026 in Gurugram as part of the Jefferies India Forum.

  • ₹300 Cr zero-coupon NCD allotment Sep 2

    Allotted ₹300 crore of secured, rated, listed zero-coupon NCDs on private placement basis with ~5-year tenor maturing June 2031.

  • Morgan Stanley investor meet Aug 25

    Virtual institutional investor meeting scheduled with Morgan Stanley India Financials Investor Group on August 28, 2026.

TL;DR: Aditya Birla Capital is firing on multiple cylinders — Q1FY27 showed 40% profit growth and 27% AUM expansion, while the strategic entry into gold loans opens a high-growth secured lending vertical backed by a 1,000-branch rollout plan. No material headwinds are visible in recent news flow. Active institutional engagement (Jefferies, Morgan Stanley) and fresh NCD issuance suggest the company is positioning for continued growth, though execution on the gold loan branch rollout and competition from established players like Muthoot and Manappuram will be key to watch.

Quarterly Results

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
52
54
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 in Rs
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
Figures in ₹ Crores

Profit & Loss

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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
CFO/OP
0
-334
-211
-288
-181
85
8
-78
-230
-194
-185
-212
Figures in ₹ Crores

Ratios

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

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Shareholding Pattern

Others2.41%Govt.0.11%Promot.68.81%Public6.71%FIIs8.60%DIIs13.37%As ofJun 2026

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.[1]
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 market capitalisation of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd has a market capitalisation of ₹1,02,750 Cr, which places it in the Large Cap band.
What is the PE ratio of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd trades at a PE ratio of 26.26, on earnings per share of ₹13.24, against a book value of ₹140.34 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 ₹277.7 and ₹430.7.
What is the Return on Equity (ROE) of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd reported a return on equity of 10.51%. Its debt-to-equity ratio is 4.93.

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.[1]

Website adityabirlacapital.com
CEO Ms. Vishakha Vivek Mulye B.Com, CA
Employees 63,750
Listed 2017-09-01
Face Value ₹ 10
Issued Size 2,61,72,65,136

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