Aditya Birla Capital Ltd

₹ 410 5.14%

18 Sep - close price

adityabirlacapital.com BSE: 540691 NSE: ABCAPITAL F&O

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 F&O

Market Cap ₹ 1,12,258 Cr.
Current Price ₹ 410
High / Low ₹ 431 / 278
Stock P/E 33.7
Book Value ₹ 110
Dividend Yield 0.00 %
ROCE 8.75 %
ROE 11.6 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 112% CAGR over last 5 years

Cons

Stock is trading at 3.74 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 13.5% 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 Nifty Alpha 50 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 BSE 200 Equal Weight Nifty500 Momentum 50 Nifty Financial Services Ex-Bank Nifty MidSmall Financial Services Nifty India Select 5 Corporate Groups Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 BSE 500 Momentum 50 Nifty Conglomerate 50 Nifty India FPI 150 Nifty MidSmallcap400 50:50 BSE Midcap 150 Momentum 30

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	9	134	48	4,139	61	4,158	3,792	3,853	4,010	4,507	4,384	4,572	4,990
Interest	0	0	0	1,804	0	1,966	2,042	2,079	2,173	2,208	2,322	2,409	2,645
	9	13	15	894	14	858	908	885	926	1,052	1,075	1,094	1,142
Financing Profit	1	121	34	1,440	47	1,334	842	889	912	1,247	987	1,068	1,203
Financing Margin %	5%	90%	70%	35%	77%	32%	22%	23%	23%	28%	23%	23%	24%
	0	0	0	27	0	43	16	26	31	17	40	12	11
Depreciation	0	0	0	33	0	34	34	36	35	37	37	37	37
Profit before tax	1	121	34	1,434	47	1,343	825	879	908	1,227	990	1,043	1,177
Tax %	25%	25%	24%	18%	19%	23%	26%	26%	26%	25%	25%	26%	24%
	1	91	26	1,182	38	1,032	613	654	676	916	740	777	893
EPS in Rs	0.00	0.35	0.10	4.55	0.14	3.96	2.35	2.51	2.59	3.51	2.83	2.97	3.27
Gross NPA %				2.51%		2.50%	2.27%	2.24%	2.27%	1.68%	1.51%	1.33%	1.30%
Net NPA %				1.27%		1.36%	1.25%	1.24%	1.35%	0.95%	0.85%	0.70%	0.68%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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
	4	7	35	165	178	201	108	455	222	13,577	15,459	17,473	18,453
Interest	0	0	1	25	89	77	0	0	0	6,469	7,987	9,115	9,585
	9	6	30	103	70	66	35	35	37	3,252	3,505	4,142	4,363
Financing Profit	-5	1	4	37	19	58	73	419	185	3,857	3,967	4,216	4,505
Financing Margin %	-114%	17%	12%	22%	11%	29%	68%	92%	83%	28%	26%	24%	24%
	-43	0	0	0	-30	-29	1	1	0	48	94	99	80
Depreciation	0	0	0	0	1	1	1	1	1	122	134	147	148
Profit before tax	-49	1	4	36	-12	28	72	419	184	3,782	3,927	4,168	4,437
Tax %	0%	140%	0%	0%	-18%	-8%	-1%	18%	23%	22%	25%	25%
	-49	-0	4	36	-10	30	73	345	141	2,935	2,957	3,109	3,327
EPS in Rs	-0.64	-0.01	0.03	0.16	-0.04	0.12	0.30	1.43	0.58	11.29	11.34	11.87	12.58
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	118%
5 Years:	176%
3 Years:	329%
TTM:	17%

Compounded Profit Growth
10 Years:	141%
5 Years:	112%
3 Years:	180%
TTM:	12%

Stock Price CAGR
10 Years:	%
5 Years:	31%
3 Years:	33%
1 Year:	42%

Return on Equity
10 Years:	8%
5 Years:	11%
3 Years:	14%
Last Year:	12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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	246	596	3,379	5,010	5,094	7,043	7,136	7,492	7,680	19,434	22,587	26,082
Borrowing	1,158	1,738	493	675	1,440	1	11	8	6	92,595	111,402	138,661
	31	17	52	197	172	168	173	161	178	3,440	2,704	3,224
Total Liabilities	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	118,069	139,300	170,586
	0	1	4	34	28	25	31	27	25	504	502	473
CWIP	0	0	5	0	0	0	0	0	0	11	15	35
Investments	2,159	3,116	5,084	7,923	8,709	9,528	9,555	9,846	10,214	11,635	12,829	16,691
	32	29	63	127	169	73	150	205	43	105,919	125,953	153,386
Total Assets	2,192	3,146	5,155	8,084	8,907	9,626	9,735	10,078	10,282	118,069	139,300	170,586

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-5	-21	3	57	-9	81	-83	-151	343	-20,824	-16,647	-24,024
	-670	-951	-1,974	-867	-666	-658	79	151	-350	-3,633	370	-3,941
	681	970	1,970	810	677	579	-0	-1	7	24,267	18,455	26,056
Net Cash Flow	5	-2	-1	-1	3	2	-4	-1	0	-190	2,177	-1,909
Free Cash Flow	-6	-22	-4	50	-14	80	-84	-152	339	-20,933	-16,751	-24,129
CFO/OP	107%	-1,527%	123%	94%	-6%	61%	-108%	-20%	187%	-195%	-130%	-173%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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 %	-1%	-0%	0%	1%	0%	1%	1%	4%	1%	18%	13%	12%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Health Insurance Gross Written Premium (Aditya Birla Health Insurance)
INR Crore

xx	xxx	xxx	xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
x,xxx	x,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx
xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	xx.xx	xx.xx
xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx
xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xxx,xxx	xxx,xxx	xxx,xxx
	xx	xxx	xxx	xxx	xxx	xxx	xxx	xxx	x,xxx
	xxx		xxx	x,xxx	xxx	x,xxx	x,xxx	x,xxx	x,xxx

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Housing Finance Lending Book (Aditya Birla Housing Finance)
INR Crore

Life Insurance Individual First Year Premium (Aditya Birla Sun Life Insurance)
INR Crore

Mutual Fund Investor Folios (Aditya Birla Sun Life AMC)
Million

Mutual Fund QAAUM (Aditya Birla Sun Life AMC)
INR Crore

NBFC Lending Book (Aditya Birla Finance)
INR Crore

Life Insurance Net Value of New Business (Net VNB)
INR Crore

Monthly SIP Contribution (Aditya Birla Sun Life AMC)
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.00%	68.98%	68.97%	68.98%	68.90%	68.85%	68.84%	68.76%	68.70%	68.57%	68.51%	68.81%
	10.46%	9.77%	10.92%	10.12%	10.40%	8.57%	7.83%	6.47%	6.10%	5.15%	7.01%	7.94%
	8.24%	8.37%	7.55%	8.12%	8.47%	9.52%	9.79%	12.06%	12.82%	14.67%	13.71%	13.36%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.12%	0.11%
	12.32%	12.89%	12.59%	12.78%	12.23%	13.05%	13.53%	12.72%	12.37%	11.59%	10.64%	9.77%
No. of Shareholders	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	5,13,052

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	72.75%	72.74%	70.48%	70.70%	71.07%	71.02%	68.97%	68.84%	68.51%	68.81%
	5.27%	3.65%	2.18%	2.79%	2.36%	7.32%	10.92%	7.83%	7.01%	7.94%
	7.04%	7.51%	12.57%	12.23%	12.33%	7.85%	7.55%	9.79%	13.71%	13.36%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.12%	0.11%
	14.94%	16.10%	14.77%	14.28%	14.24%	13.80%	12.59%	13.53%	10.64%	9.77%
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	5,22,128	5,13,052

* 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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