Aditya Birla Capital Ltd

₹ 274 -2.53%

02 Jul - close price

adityabirlacapital.com BSE: 540691 NSE: ABCAPITAL

About

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]

Key Points

Business Segments
1) Life Insurance (44% in 9M FY25 vs 52% in FY22): ^[1] ^[2] The company’s subsidiary, Aditya Birla Sun Life Insurance Ltd, is one of the leading private life insurers, offering protection solutions, children’s future solutions, wealth with protection solutions, retirement solutions, etc, through 11 Banca Tie-ups, 360+ own branches, 26,300+ bank branches, and 60,000 agents across 4,700+ cities. ^[3] ^[4]

Website BSE NSE

Market Cap ₹ 71,442 Cr.
Current Price ₹ 274
High / Low ₹ 283 / 149
Stock P/E 24.2
Book Value ₹ 96.6
Dividend Yield 0.00 %
ROCE 15.8 %
ROE 15.1 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 119% CAGR over last 5 years
Company's median sales growth is 66.7% of last 10 years

Cons

Stock is trading at 2.83 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 9.17% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Investment Company

Part of BSE 500 BSE 200 Nifty 500 BSE MidCap Nifty Midcap 100 Nifty 200 Nifty High Beta 50 BSE Allcap BSE Financial Services BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index BSE Enhanced Value Index BSE Diversified Financials Revenue Growth Index (I Nifty LargeMidcap 250 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	104	8	93	8	110	9	134	48	4,139	61	522	3,792	3,853
	12	8	9	9	13	9	13	15	894	14	25	908	885
Operating Profit	92	0	84	-1	97	1	121	34	3,244	47	497	2,884	2,968
OPM %	89%	3%	91%	-8%	89%	6%	90%	70%	78%	77%	95%	76%	77%
	0	0	1	2	2	0	0	0	27	0	2	16	26
Interest	0	0	0	0	0	0	0	0	1,804	0	0	2,042	2,079
Depreciation	0	0	0	0	0	0	0	0	33	0	0	34	36
Profit before tax	92	0	85	1	99	1	121	34	1,434	47	499	825	879
Tax %	27%	-850%	25%	201%	22%	25%	25%	24%	18%	19%	19%	26%	26%
	68	2	64	-1	77	1	91	26	1,182	38	403	613	654
EPS in Rs	0.28	0.01	0.26	-0.00	0.32	0.00	0.35	0.10	4.55	0.14	1.55	2.35	2.51
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	4	4	7	35	165	178	201	108	455	222	860	15,419
	2	9	6	30	103	70	66	35	35	37	64	3,511
Operating Profit	2	-5	1	5	62	108	135	73	419	185	796	11,908
OPM %	52%	-114%	17%	14%	38%	61%	67%	68%	92%	83%	92%	77%
	-56	-43	0	0	0	-30	-29	1	1	0	1	134
Interest	0	0	0	1	25	89	77	0	0	0	0	7,981
Depreciation	0	0	0	0	0	1	1	1	1	1	1	134
Profit before tax	-54	-49	1	4	36	-12	28	72	419	184	795	3,927
Tax %	1%	0%	140%	0%	0%	-18%	-8%	-1%	18%	23%	10%	25%
	-54	-49	-0	4	36	-10	30	73	345	141	714	2,957
EPS in Rs	-0.76	-0.64	-0.01	0.03	0.16	-0.04	0.12	0.30	1.43	0.58	2.75	11.34
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	126%
5 Years:	138%
3 Years:	224%
TTM:	1693%

Compounded Profit Growth
10 Years:	89%
5 Years:	119%
3 Years:	105%
TTM:	314%

Stock Price CAGR
10 Years:	%
5 Years:	33%
3 Years:	45%
1 Year:	16%

Return on Equity
10 Years:	5%
5 Years:	7%
3 Years:	9%
Last Year:	15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	717	757	796	1,232	2,201	2,201	2,414	2,415	2,416	2,418	2,600	2,607
Reserves	-66	246	596	3,379	5,010	5,094	7,043	7,136	7,492	7,680	11,339	22,587
	876	1,158	1,738	493	675	1,440	1	11	8	6	12	111,402
	1	31	17	52	197	172	168	173	161	178	172	2,704
Total Liabilities	1,529	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	14,122	139,300
	0	0	1	4	34	28	25	31	27	25	30	517
CWIP	0	0	0	5	0	0	0	0	0	0	0	0
Investments	1,527	2,159	3,116	5,084	7,923	8,709	9,528	9,555	9,846	10,214	12,985	12,829
	2	32	29	63	127	169	73	150	205	43	1,107	125,953
Total Assets	1,529	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	14,122	139,300

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0	-5	-21	3	57	-9	81	-83	-151	343	12	-16,647
	-607	-670	-951	-1,974	-867	-666	-658	79	151	-350	-3,040	370
	607	681	970	1,970	810	677	579	-0	-1	7	3,036	18,455
Net Cash Flow	-0	5	-2	-1	-1	3	2	-4	-1	0	8	2,177

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	1
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	1
Working Capital Days	69	-772	189	153	-129	-49	-37	-113	-14	-108	-25	-49
ROCE %	0%	-0%	0%	0%	1%	1%	1%	1%	4%	2%	7%	16%

Shareholding Pattern

Numbers in percentages

21 Recently

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	71.07%	71.06%	71.05%	71.02%	69.11%	69.00%	68.98%	68.97%	68.98%	68.90%	68.85%	68.84%
	2.55%	6.80%	7.23%	7.32%	10.53%	10.46%	9.77%	10.92%	10.12%	10.40%	8.57%	7.83%
	11.94%	7.80%	8.04%	7.85%	7.73%	8.24%	8.37%	7.55%	8.12%	8.47%	9.52%	9.79%
	14.44%	14.33%	13.66%	13.80%	12.64%	12.32%	12.89%	12.59%	12.78%	12.23%	13.05%	13.53%
No. of Shareholders	5,46,768	5,32,168	4,88,954	4,75,283	4,66,520	4,64,366	4,91,856	5,03,842	5,30,087	5,27,478	5,63,086	5,76,863

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	72.75%	72.74%	70.48%	70.70%	71.07%	71.02%	68.97%	68.84%
	5.27%	3.65%	2.18%	2.79%	2.36%	7.32%	10.92%	7.83%
	7.04%	7.51%	12.57%	12.23%	12.33%	7.85%	7.55%	9.79%
	14.94%	16.10%	14.77%	14.28%	14.24%	13.80%	12.59%	13.53%
No. of Shareholders	4,95,076	5,26,452	5,08,974	4,98,750	5,38,508	4,75,283	5,03,842	5,76,863

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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