Aditya Birla Capital Ltd

₹ 342 2.20%

10 Apr - 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 ₹ 89,592 Cr.
Current Price ₹ 342
High / Low ₹ 369 / 186
Stock P/E 25.2
Book Value ₹ 123
Dividend Yield 0.00 %
ROCE 9.33 %
ROE 11.5 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 28.8% CAGR over last 5 years
Company's median sales growth is 25.6% of last 10 years

Cons

Stock is trading at 2.78 times its book value
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 BSE Dollex 200 Nifty 500 Nifty Midcap 100 Nifty 200 Nifty High Beta 50 Nifty Alpha 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

Consolidated Figures in Rs. Crores / View Standalone

	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
	6,938	8,025	7,045	7,607	8,800	10,780	8,673	10,322	9,381	12,214	9,503	10,595	11,952
Interest	1,268	1,478	1,671	1,827	1,997	2,122	2,244	2,369	2,496	2,585	2,736	2,804	2,981
	4,944	5,766	4,490	4,798	5,764	7,182	5,458	6,604	5,876	8,419	5,652	6,594	7,645
Financing Profit	727	782	884	982	1,039	1,476	971	1,348	1,009	1,210	1,114	1,197	1,326
Financing Margin %	10%	10%	13%	13%	12%	14%	11%	13%	11%	10%	12%	11%	11%
	2,810	91	70	70	60	183	150	124	85	219	136	92	72
Depreciation	38	40	43	46	50	52	54	60	64	68	71	77	76
Profit before tax	3,499	832	912	1,006	1,050	1,606	1,067	1,413	1,030	1,361	1,178	1,212	1,322
Tax %	6%	24%	27%	28%	28%	20%	27%	28%	30%	35%	28%	27%	27%
	3,285	636	666	725	760	1,288	779	1,021	724	886	851	882	966
EPS in Rs	13.53	2.52	2.50	2.71	2.83	4.79	2.92	3.84	2.72	3.32	3.20	3.27	3.61
Gross NPA %
Net NPA %
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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	TTM
	2,710	3,645	5,882	11,526	15,168	16,696	19,260	22,232	30,163	33,958	40,632	44,264
Interest	1,112	1,612	2,299	3,024	4,109	4,634	3,916	3,480	4,722	7,617	9,694	11,106
	1,002	1,156	2,478	7,539	9,850	10,934	13,966	16,694	19,972	21,978	26,357	28,310
Financing Profit	596	877	1,105	963	1,208	1,128	1,378	2,058	5,469	4,364	4,581	4,847
Financing Margin %	22%	24%	19%	8%	8%	7%	7%	9%	18%	13%	11%	11%
	-39	24	4	177	230	254	282	351	311	390	536	518
Depreciation	37	33	43	44	58	103	114	122	145	188	246	293
Profit before tax	519	869	1,066	1,096	1,381	1,280	1,546	2,287	5,635	4,566	4,871	5,073
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	3,585
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	13.40
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:	13%

Compounded Profit Growth
10 Years:	26%
5 Years:	29%
3 Years:	24%
TTM:	-3%

Stock Price CAGR
10 Years:	%
5 Years:	24%
3 Years:	29%
1 Year:	84%

Return on Equity
10 Years:	13%
5 Years:	14%
3 Years:	16%
Last Year:	11%

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	Sep 2025
Equity Capital	757	796	1,232	2,201	2,201	2,414	2,415	2,416	2,418	2,600	2,607	2,613
Reserves	1,056	1,921	5,378	6,337	7,311	10,162	11,327	13,076	17,893	24,217	27,782	29,568
Borrowing	15,973	24,750	33,215	44,516	56,324	55,966	53,044	58,425	84,738	110,139	140,009	156,546
	1,857	2,574	38,316	40,502	43,633	44,978	57,698	66,897	75,304	94,667	108,245	113,646
Total Liabilities	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	278,643	302,372
	284	314	778	837	892	1,181	1,259	1,305	1,279	1,652	1,929	2,034
CWIP	8	11	35	33	34	74	45	45	44	94	122	5
Investments	720	1,363	11,760	39,573	43,955	48,415	57,703	67,355	80,383	99,539	112,953	79,322
	18,630	28,353	65,569	53,113	64,589	63,850	65,478	72,110	98,647	130,338	163,639	221,011
Total Assets	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	278,643	302,372

Cash Flows

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
	0	-8,697	-7,570	-11,894	-10,256	4,271	64	-5,070	-24,029	-24,100	-27,935
	0	-638	-1,623	38	-690	-3,070	2,429	-1,446	-2,675	-4,590	933
	0	9,184	9,870	12,006	10,852	875	-2,581	5,836	26,385	28,514	29,778
Net Cash Flow	0	-151	678	150	-94	2,076	-88	-679	-318	-176	2,776
Free Cash Flow	0	-8,745	-7,688	-12,049	-10,413	4,117	-84	-5,247	-24,268	-24,499	-28,382
CFO/OP	0%	-334%	-211%	-288%	-181%	85%	8%	-78%	-230%	-194%	-185%

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
ROE %	18%	23%	11%	9%	10%	8%	9%	12%	27%	14%	11%

Insights

In beta

Mar 2015

Mar 2016

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Mar 2022

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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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	69.11%	69.00%	68.98%	68.97%	68.98%	68.90%	68.85%	68.84%	68.76%	68.70%	68.57%	68.51%
	10.53%	10.46%	9.77%	10.92%	10.12%	10.40%	8.57%	7.83%	6.47%	6.10%	5.15%	7.01%
	7.73%	8.24%	8.37%	7.55%	8.12%	8.47%	9.52%	9.79%	12.06%	12.82%	14.67%	13.71%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.12%
	12.64%	12.32%	12.89%	12.59%	12.78%	12.23%	13.05%	13.53%	12.72%	12.37%	11.59%	10.64%
No. of Shareholders	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	5,22,129

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	72.75%	72.74%	70.48%	70.70%	71.07%	71.02%	68.97%	68.84%	68.51%
	5.27%	3.65%	2.18%	2.79%	2.36%	7.32%	10.92%	7.83%	7.01%
	7.04%	7.51%	12.57%	12.23%	12.33%	7.85%	7.55%	9.79%	13.71%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.12%
	14.94%	16.10%	14.77%	14.28%	14.24%	13.80%	12.59%	13.53%	10.64%
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	5,22,129

* 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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