Aditya Birla Capital Ltd
Aditya Birla Capital Ltd
Financial Services F&OKey Fundamentals
MidcapInvestment CompanyFinancial ServicesInsights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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50 extracted metrics + investor summaries across FY13–FY26.
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
AI Analysis — Bull vs Bear
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.
- 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
- 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
- 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.
- 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 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 18% | 23% | 11% | 9% | 10% | 8% | 9% | 12% | 27% | 14% | 12% | 12% |
Documents
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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]