Aditya Birla Capital Ltd

₹ 275 0.90%

04 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 ₹ 71,795 Cr.
Current Price ₹ 275
High / Low ₹ 283 / 149
Stock P/E 21.7
Book Value ₹ 117
Dividend Yield 0.00 %
ROCE 9.34 %
ROE 11.6 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 30.5% CAGR over last 5 years
Company's median sales growth is 17.6% of last 10 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.

* 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

Consolidated Figures in Rs. Crores / View Standalone

	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
	6,617	5,590	6,825	6,938	8,025	7,045	7,607	8,800	10,780	8,673	10,322	9,381	12,214
	5,193	4,088	5,145	4,944	5,766	4,490	4,798	5,764	7,182	5,458	6,604	5,876	8,419
Operating Profit	1,424	1,502	1,680	1,994	2,259	2,555	2,809	3,036	3,598	3,215	3,718	3,505	3,795
OPM %	22%	27%	25%	29%	28%	36%	37%	34%	33%	37%	36%	37%	31%
	83	61	105	2,810	91	70	70	60	183	150	124	85	219
Interest	866	917	1,060	1,268	1,478	1,671	1,827	1,997	2,122	2,244	2,369	2,496	2,585
Depreciation	33	32	35	38	40	43	46	50	52	54	60	64	68
Profit before tax	608	614	690	3,499	832	912	1,006	1,050	1,606	1,067	1,413	1,030	1,361
Tax %	24%	31%	31%	6%	24%	27%	28%	28%	20%	27%	28%	30%	35%
	461	424	479	3,285	636	666	725	760	1,288	779	1,021	724	886
EPS in Rs	1.86	1.78	2.02	13.53	2.52	2.50	2.71	2.83	4.79	2.92	3.84	2.72	3.32
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2,710	3,645	5,882	11,526	15,168	16,696	19,260	22,232	30,163	34,524	40,590
	1,002	1,156	2,478	7,539	9,850	10,934	13,966	16,694	19,972	22,471	26,357
Operating Profit	1,708	2,489	3,404	3,987	5,317	5,762	5,293	5,538	10,191	12,053	14,233
OPM %	63%	68%	58%	35%	35%	35%	27%	25%	34%	35%	35%
	-39	24	4	177	230	254	282	351	311	340	579
Interest	1,112	1,612	2,299	3,024	4,109	4,634	3,916	3,480	4,722	7,617	9,694
Depreciation	37	33	43	44	58	103	114	122	145	194	246
Profit before tax	519	869	1,066	1,096	1,381	1,280	1,546	2,287	5,635	4,582	4,871
Tax %	40%	40%	35%	37%	41%	32%	28%	27%	14%	25%	30%
	309	524	691	693	811	866	1,106	1,660	4,824	3,439	3,410
EPS in Rs	4.08	6.58	4.30	3.15	3.96	3.81	4.66	7.06	19.83	12.83	12.78
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	31%
5 Years:	19%
3 Years:	22%
TTM:	18%

Compounded Profit Growth
10 Years:	26%
5 Years:	31%
3 Years:	26%
TTM:	-1%

Stock Price CAGR
10 Years:	%
5 Years:	33%
3 Years:	44%
1 Year:	17%

Return on Equity
10 Years:	13%
5 Years:	15%
3 Years:	16%
Last Year:	12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	757	796	1,232	2,201	2,201	2,414	2,415	2,416	2,418	2,600	2,607
Reserves	1,056	1,921	5,378	6,337	7,311	10,162	11,327	13,076	17,893	24,217	27,782
	15,973	24,750	33,215	44,516	56,324	55,966	53,044	58,425	84,738	110,139	140,009
	1,857	2,574	38,316	40,502	43,633	44,978	57,698	66,897	75,304	94,667	108,664
Total Liabilities	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	279,061
	284	314	778	837	892	1,181	1,259	1,305	1,279	1,652	2,029
CWIP	8	11	35	33	34	74	45	45	44	94	22
Investments	720	1,363	11,760	39,573	43,955	48,415	57,703	67,355	80,383	99,539	75,191
	18,630	28,353	65,569	53,113	64,589	63,850	65,478	72,110	98,647	130,338	201,819
Total Assets	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	279,061

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-8,697	-7,570	-11,894	-10,256	4,271	64	-5,070	-24,029	-24,100	-27,935
	-638	-1,623	38	-690	-3,070	2,429	-1,446	-2,675	-4,590	935
	9,184	9,870	12,006	10,852	875	-2,581	5,836	26,385	28,514	29,778
Net Cash Flow	-151	678	150	-94	2,076	-88	-679	-318	-176	2,778

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	17	18	23	12	9	10	8	11	5	7	6
Inventory Days
Days Payable
Cash Conversion Cycle	17	18	23	12	9	10	8	11	5	7	6
Working Capital Days	770	663	461	-1,217	-978	-899	-1,018	-1,018	-859	-944	-575
ROCE %		11%	10%	9%	9%	9%	8%	8%	11%	10%	9%

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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