Aditya Birla Capital Ltd

₹ 314 3.75%

25 Mar 2:25 p.m.

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 ₹ 82,291 Cr.
Current Price ₹ 314
High / Low ₹ 369 / 169
Stock P/E 27.5
Book Value ₹ 103
Dividend Yield 0.00 %
ROCE 9.48 %
ROE 12.5 %
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 40.3% of last 10 years

Cons

Stock is trading at 3.07 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 12.2% 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 BSE Dollex 200 Nifty 500 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 Diversified Financials Revenue Growth BSE Momentum Index Nifty200 Momentum 30 Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Total Market Nifty200 Alpha30 Nifty Midcap150 Momentum 50 Nifty500 Momentum 50 Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	8	110	9	134	48	4,139	61	4,158	3,792	3,853	4,010	4,507	4,384
	9	13	9	13	15	894	14	858	908	885	926	1,052	1,075
Operating Profit	-1	97	1	121	34	3,244	47	3,299	2,884	2,968	3,084	3,455	3,309
OPM %	-8%	89%	6%	90%	70%	78%	77%	79%	76%	77%	77%	77%	75%
	2	2	0	0	0	27	0	43	16	26	31	17	40
Interest	0	0	0	0	0	1,804	0	1,966	2,042	2,079	2,173	2,208	2,322
Depreciation	0	0	0	0	0	33	0	34	34	36	35	37	37
Profit before tax	1	99	1	121	34	1,434	47	1,343	825	879	908	1,227	990
Tax %	201%	22%	25%	25%	24%	18%	19%	23%	26%	26%	26%	25%	25%
	-1	77	1	91	26	1,182	38	1,032	613	654	676	916	740
EPS in Rs	-0.00	0.32	0.00	0.35	0.10	4.55	0.14	3.96	2.35	2.51	2.59	3.51	2.83
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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	TTM
	4	4	7	35	165	178	201	108	455	222	13,577	15,459	16,754
	2	9	6	30	103	70	66	35	35	37	3,252	3,511	3,938
Operating Profit	2	-5	1	5	62	108	135	73	419	185	10,325	11,948	12,816
OPM %	52%	-114%	17%	14%	38%	61%	67%	68%	92%	83%	76%	77%	76%
	-56	-43	0	0	0	-30	-29	1	1	0	48	94	114
Interest	0	0	0	1	25	89	77	0	0	0	6,469	7,981	8,782
Depreciation	0	0	0	0	0	1	1	1	1	1	122	134	145
Profit before tax	-54	-49	1	4	36	-12	28	72	419	184	3,782	3,927	4,004
Tax %	1%	0%	140%	0%	0%	-18%	-8%	-1%	18%	23%	22%	25%
	-54	-49	-0	4	36	-10	30	73	345	141	2,935	2,957	2,986
EPS in Rs	-0.76	-0.64	-0.01	0.03	0.16	-0.04	0.12	0.30	1.43	0.58	11.29	11.34	11.44
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:	38%

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

Stock Price CAGR
10 Years:	%
5 Years:	20%
3 Years:	28%
1 Year:	67%

Return on Equity
10 Years:	7%
5 Years:	9%
3 Years:	12%
Last Year:	13%

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	Sep 2025
Equity Capital	717	757	796	1,232	2,201	2,201	2,414	2,415	2,416	2,418	2,600	2,607	2,613
Reserves	-66	246	596	3,379	5,010	5,094	7,043	7,136	7,492	7,680	19,434	22,587	24,281
	876	1,158	1,738	493	675	1,440	1	11	8	6	92,595	111,402	122,613
	1	31	17	52	197	172	168	173	161	178	3,440	2,704	3,747
Total Liabilities	1,529	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	118,069	139,300	153,253
	0	0	1	4	34	28	25	31	27	25	504	502	484
CWIP	0	0	0	5	0	0	0	0	0	0	11	15	0
Investments	1,527	2,159	3,116	5,084	7,923	8,709	9,528	9,555	9,846	10,214	11,635	12,829	14,562
	2	32	29	63	127	169	73	150	205	43	105,919	125,953	138,208
Total Assets	1,529	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	118,069	139,300	153,253

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	-20,824	-16,647
	-607	-670	-951	-1,974	-867	-666	-658	79	151	-350	-3,633	370
	607	681	970	1,970	810	677	579	-0	-1	7	24,267	18,455
Net Cash Flow	-0	5	-2	-1	-1	3	2	-4	-1	0	-190	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	1	1
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	1	1
Working Capital Days	69	-772	189	-4,986	-1,625	-2,996	-37	-113	-14	-108	-82	-46
ROCE %	0%	-0%	0%	0%	1%	1%	1%	1%	4%	2%	16%	9%

Insights

In beta

Mar 2015

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Mar 2025

Asset Management (AMC) QAAUM
₹ Crore

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Combined Lending Book AUM (NBFC + Housing Finance)
₹ Crore

Health Insurance Gross Written Premium (GWP)
₹ Crore

Total Branch Count
Number

Health Insurance Combined Ratio
%

Life Insurance 13th Month Persistency
%

Health Insurance Market Share in SAHI
%

Shareholding Pattern

Numbers in percentages

3 Recently

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	71.02%	69.11%	69.00%	68.98%	68.97%	68.98%	68.90%	68.85%	68.84%	68.76%	68.70%	68.57%
	7.32%	10.53%	10.46%	9.77%	10.92%	10.12%	10.40%	8.57%	7.83%	6.47%	6.10%	5.15%
	7.85%	7.73%	8.24%	8.37%	7.55%	8.12%	8.47%	9.52%	9.79%	12.06%	12.82%	14.67%
	13.80%	12.64%	12.32%	12.89%	12.59%	12.78%	12.23%	13.05%	13.53%	12.72%	12.37%	11.59%
No. of Shareholders	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	5,60,382	5,61,046	5,46,470

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	72.75%	72.74%	70.48%	70.70%	71.07%	71.02%	68.97%	68.84%	68.57%
	5.27%	3.65%	2.18%	2.79%	2.36%	7.32%	10.92%	7.83%	5.15%
	7.04%	7.51%	12.57%	12.23%	12.33%	7.85%	7.55%	9.79%	14.67%
	14.94%	16.10%	14.77%	14.28%	14.24%	13.80%	12.59%	13.53%	11.59%
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	5,46,470

* 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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