Aditya Birla Capital Ltd

₹ 405 -0.81%

11 Aug 12:13 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 ₹ 1,10,745 Cr.
Current Price ₹ 405
High / Low ₹ 431 / 267
Stock P/E 27.5
Book Value ₹ 131
Dividend Yield 0.00 %
ROCE 8.72 %
ROE 12.0 %
Face Value ₹ 10.0

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Pros

Company's median sales growth is 17.5% of last 10 years

Cons

Stock is trading at 3.06 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 12.5% 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

Consolidated Figures in Rs. Crores / View Standalone

	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
	7,045	7,607	8,800	10,780	8,673	10,322	9,381	12,214	9,503	10,595	11,952	13,459	12,180
Interest	1,671	1,827	1,997	2,122	2,244	2,369	2,496	2,585	2,736	2,804	2,981	3,101	3,390
	4,490	4,798	5,764	7,182	5,458	6,604	5,876	8,419	5,652	6,594	7,645	8,924	7,221
Financing Profit	884	982	1,039	1,476	971	1,348	1,009	1,210	1,114	1,197	1,326	1,434	1,569
Financing Margin %	13%	13%	12%	14%	11%	13%	11%	10%	12%	11%	11%	11%	13%
	70	70	60	183	150	124	85	219	139	92	72	89	153
Depreciation	43	46	50	52	54	60	64	68	71	77	76	82	82
Profit before tax	912	1,006	1,050	1,606	1,067	1,413	1,030	1,361	1,182	1,212	1,322	1,441	1,641
Tax %	27%	28%	28%	20%	27%	28%	30%	35%	28%	27%	27%	27%	25%
	666	725	760	1,288	779	1,021	724	886	854	882	966	1,047	1,224
EPS in Rs	2.50	2.71	2.83	4.79	2.92	3.84	2.72	3.32	3.21	3.27	3.61	3.86	4.30
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	Mar 2026	TTM
	2,710	3,645	5,882	11,526	15,168	16,696	19,260	22,232	30,163	33,958	40,632	45,513	48,186
Interest	1,112	1,612	2,299	3,024	4,109	4,634	3,916	3,480	4,722	7,617	9,694	11,622	12,276
	1,002	1,156	2,478	7,539	9,850	10,934	13,966	16,694	19,972	21,978	26,357	28,815	30,383
Financing Profit	596	877	1,105	963	1,208	1,128	1,378	2,058	5,469	4,364	4,581	5,076	5,527
Financing Margin %	22%	24%	19%	8%	8%	7%	7%	9%	18%	13%	11%	11%	11%
	-39	24	4	177	230	254	282	351	311	390	508	502	405
Depreciation	37	33	43	44	58	103	114	122	145	188	246	307	317
Profit before tax	519	869	1,066	1,096	1,381	1,280	1,546	2,287	5,635	4,566	4,843	5,271	5,616
Tax %	40%	40%	35%	37%	41%	32%	28%	27%	14%	25%	30%	27%
	309	524	691	693	811	866	1,106	1,660	4,824	3,439	3,382	3,864	4,119
EPS in Rs	4.08	6.58	4.30	3.15	3.96	3.81	4.66	7.06	19.83	12.83	12.97	14.75	15.04
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	29%
5 Years:	19%
3 Years:	15%
TTM:	16%

Compounded Profit Growth
10 Years:	22%
5 Years:	28%
3 Years:	-7%
TTM:	18%

Stock Price CAGR
10 Years:	%
5 Years:	28%
3 Years:	30%
1 Year:	50%

Return on Equity
10 Years:	13%
5 Years:	15%
3 Years:	12%
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	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	1,056	1,921	5,378	6,337	7,311	10,162	11,327	13,076	17,893	24,217	27,782	31,804
Borrowing	15,973	24,750	33,215	44,516	56,324	55,966	53,044	58,425	84,738	110,139	140,009	179,538
	1,857	2,574	38,316	40,502	43,633	44,978	57,698	66,897	75,304	94,667	108,245	121,005
Total Liabilities	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	278,643	334,966
	284	314	778	837	892	1,181	1,259	1,305	1,279	1,652	1,929	1,998
CWIP	8	11	35	33	34	74	45	45	44	94	122	114
Investments	720	1,363	11,760	39,573	43,955	48,415	57,703	67,355	80,383	99,539	112,953	125,116
	18,630	28,353	65,569	53,113	64,589	63,850	65,478	72,110	98,647	130,338	163,639	207,738
Total Assets	19,642	30,042	78,141	93,556	109,470	113,520	124,485	140,815	180,353	231,623	278,643	334,966

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	Mar 2026
	0	-8,697	-7,570	-11,894	-10,256	4,271	64	-5,070	-24,029	-24,100	-27,935	-36,544
	0	-638	-1,623	38	-690	-3,070	2,429	-1,446	-2,675	-4,590	933	-3,544
	0	9,184	9,870	12,006	10,852	875	-2,581	5,836	26,385	28,514	29,778	38,161
Net Cash Flow	0	-151	678	150	-94	2,076	-88	-679	-318	-176	2,776	-1,927
Free Cash Flow	0	-8,745	-7,688	-12,049	-10,413	4,117	-84	-5,247	-24,268	-24,499	-28,382	-36,905
CFO/OP	0%	-334%	-211%	-288%	-181%	85%	8%	-78%	-230%	-194%	-185%	-212%

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	Mar 2026
ROE %	18%	23%	11%	9%	10%	8%	9%	12%	27%	14%	12%	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 ・Standalone data

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 ・Standalone data

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

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

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

NBFC Lending Book (Aditya Birla Finance)
INR Crore ・Standalone data

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

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

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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