Aditya Birla Capital Ltd logo

Aditya Birla Capital Ltd

ABCAPITAL NSE

Key Fundamentals

MidcapInvestment CompanyFinancial Services
Market Cap
1.1L Cr
Volatility
Moderate
P/E Ratio
27.45
EBITDA
₹16,803 Cr
Return on Equity
10.51%
Debt to Equity
4.93
Book Value
₹140.36
EPS
₹13.24
52W High
₹430.7
52W Low
₹272.7

Insights

Beta

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

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50 extracted metrics + investor summaries across FY13–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

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

Weaknesses

4
  • Stock is trading at 3.14 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% ↗
Net Income Growth
14.25% ↘
Cash Flow Change
-30.82% ↘
ROE
0.48% ↘
ROCE
-6.31% ↘
EBITDA Margin (Avg.)
4.39% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 4d ago
AI opinion · based on fundamentals
Risk medium

Aditya Birla Capital Ltd is a diversified financial services conglomerate with a market cap of ₹1,06,185 Cr, trading at a P/E of 26.4x and P/B of 2.83x. The company has delivered 16% TTM sales growth and 18% TTM profit growth, but carries a low 3-year ROE of 12% and pays no dividend despite consistent profitability.

Bull Case 7
  • Strong stock price appreciation with 1-year CAGR of 40% and 3-year CAGR of 29%, reflecting sustained market confidence
  • Consistent top-line growth with 10-year compounded sales CAGR of 29% and median sales growth of 17.5% over last 10 years
  • Healthy TTM profit growth of 18%, indicating improving earnings trajectory
  • 5-year compounded profit CAGR of 28% demonstrates long-term earnings compounding ability
  • 5-year compounded sales CAGR of 19% shows sustained business expansion across cycles
  • Large-cap status with ₹1,06,185 Cr market cap provides liquidity and institutional ownership base
  • 5-year ROE average of 15% shows the business has historically generated reasonable returns on equity
Bear Case 8
  • 3-year compounded profit CAGR is negative at -7%, indicating earnings volatility and inconsistency in recent years
  • Low 3-year ROE of 12% suggests suboptimal capital efficiency for a financial services company
  • Stock trades at 2.83x book value (reported as 3.01x), which is elevated given the modest ROE profile
  • Zero dividend yield despite repeated profitability raises questions about capital allocation and shareholder returns
  • Low interest coverage ratio indicates potential stress on debt servicing capacity in a rising rate environment
  • P/E of 26.4x is not cheap for a financial services holding company with 12% recent ROE
  • Last year ROE of 12% has not improved from the 3-year average, showing no upward trend in return ratios
  • TTM sales growth of 16% is decelerating from the 5-year CAGR of 19% and 10-year CAGR of 29%

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

AI News Digest

Anthropic anthropic claude-opus-4.6 10h ago
Positives 3
  • Q1FY27 profit surges 40% YoY Aug 2

    Consolidated net profit rose 40% to ₹1,175 crore in Q1FY27 vs ₹839 crore in Q1FY26. Revenue grew 29% to ₹14,731 crore with NBFC PBT up 32% and HFC PBT up 95%.

  • Gold loan expansion plan launched Aug 20

    Entered gold loan segment targeting 1,000 branches in three years, with 200-300 by March 2027. NBFC AUM grew 28% YoY to ₹1,67,456 crore in Q1FY27.

  • ₹260 Cr NCD allotment at 8.1% Jul 26

    Allotted ₹260 crore secured NCDs on private placement at 8.1% coupon, maturing September 2029, supporting funding diversification.

Neutral 1
  • Singapore investor meet scheduled Aug 12

    Hosting institutional investors at Ambit-Daiwa India Access event in Singapore on August 17-18, 2026.

TL;DR: Aditya Birla Capital is delivering strong earnings momentum with 40% profit growth and robust AUM expansion across NBFC and HFC verticals. The gold loan foray adds a new secured lending avenue with an ambitious branch rollout plan. No notable headwinds emerged in the period. The growth trajectory looks firmly positive heading into H2FY27, though execution on the gold loan branch ramp will be worth monitoring.

Quarterly Results

  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

  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

  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

  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

  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%

Shareholding Pattern

As of Jun 2026
Promoters 68.81%
DIIs 13.48%
FIIs 8.60%
Public 6.71%
Others 2.41%
Total 100.01%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
70.70%
70.69%
70.69%
71.03%
71.07%
71.07%
71.06%
71.05%
71.02%
69.10%
68.99%
68.98%
68.96%
68.98%
68.90%
68.86%
68.85%
68.76%
68.70%
68.58%
68.51%
68.81%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
4.14%
4.14%
4.14%
3.85%
11.28%
3.85%
11.79%
11.00%
11.05%
9.22%
8.80%
7.16%
6.78%
5.83%
7.70%
8.60%
DIIs
3.94%
3.69%
3.52%
3.28%
4.07%
3.68%
3.67%
8.05%
7.85%
7.74%
8.24%
4.33%
7.55%
8.13%
8.46%
9.52%
9.78%
12.06%
12.83%
14.67%
13.82%
13.48%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
10.65%
10.72%
11.27%
10.91%
10.52%
10.64%
9.97%
9.12%
9.19%
8.12%
8.02%
8.57%
8.30%
8.42%
8.17%
8.89%
9.09%
8.68%
8.36%
7.93%
7.34%
6.71%
Others
14.71%
14.90%
14.52%
14.78%
14.34%
14.61%
11.16%
7.63%
7.80%
11.18%
3.46%
14.28%
3.40%
3.47%
3.43%
3.52%
3.48%
3.34%
3.33%
2.99%
2.63%
2.41%
No. of Shareholders
4,98,750
4,91,939
5,28,555
5,22,758
5,38,508
5,46,768
5,32,168
4,88,954
4,75,283
4,73,966
4,64,366
4,91,856
5,03,842
5,30,087
5,27,478
5,63,086
5,76,863
5,60,382
5,61,046
5,46,470
5,22,128
5,11,728

Documents

Frequently Asked Questions about Aditya Birla Capital Ltd

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 is listed on the Indian stock exchanges. It is listed on NSE: ABCAPITAL and BSE: 540691. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Aditya Birla Capital Ltd belong to?
Aditya Birla Capital Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd has a market capitalisation of approximately ₹108544.72 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Aditya Birla Capital Ltd?
The Price-to-Earnings (PE) ratio of Aditya Birla Capital Ltd is 27.45. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Aditya Birla Capital Ltd?
Over the past 52 weeks, Aditya Birla Capital Ltd has traded between a low of ₹272.7 and a high of ₹430.7. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Aditya Birla Capital Ltd?
Aditya Birla Capital Ltd has a Return on Equity (ROE) of 10.51%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Aditya Birla Capital Ltd on Tapetide?
On Tapetide, you can view Aditya Birla Capital Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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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