Aditya Birla Capital Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Life Insurance Business: 44.3% • NBFC: 31.5% • Health Insurance: 11.9%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 28.4% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 16.8%
- Solid return on assets for a lender - ROA of 2.0%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 43.9% YoY, showing strong momentum
- Company has delivered good sales growth of 18.4% CAGR over last 5 years
CONS
- Company has a low return on capital employed of 9.5%
- Free cash flow has been persistently negative
- Valuation is stretched - P/E of 26.7 is well above its own 5-year median (14.5)
- Growth is decelerating - 3Y profit CAGR (-7.1%) trails the 5Y trend (28.4%)
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Company's return on assets is weak at 1.3%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1046.00 | 32.08 | 651234.82 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1038.00 | 21.58 | 244239.69 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1849.10 | 27.46 | 157925.34 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.15 | 73.86 | 152631.62 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 10971.00 | 13.79 | 122100.11 | 1.78 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2840.00 | 10.03 | 114017.05 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 400.00 | 26.68 | 109501.94 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 311.25 | 24.51 | 78010.22 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 666.00 | 27.86 | 63379.43 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 676.50 | 25.83 | 56201.25 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SUNDARMFIN | 4702.35 | 23.54 | 52244.92 | 0.85 | 636.19 | 33.88 | 2644.13 | 23.37 | 9.35 | 80.61 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3,518 | 3,768 | 4,080 | 4,695 | 4,362 | 4,874 | 4,700 | 5,008 | 5,121 | 5,345 | 5,670 | 5,895 | 12,180 | |
| 4,490 | 4,798 | 5,557 | 7,182 | 5,458 | 6,604 | 5,876 | 8,419 | 5,652 | 6,594 | 7,645 | 8,924 | 10,692 | |
| Operating Profit | 2,555 | 2,809 | 3,028 | 3,598 | 3,215 | 3,718 | 3,505 | 3,795 | 3,850 | 4,001 | 4,172 | 4,562 | 5,104 |
| OPM % | 72.64% | 74.55% | 74.21% | 76.63% | 73.71% | 76.27% | 74.58% | 75.77% | 75.19% | 74.87% | 73.58% | 77.39% | 41.91% |
| Other Income | 7 | 9 | 14 | 23 | 47 | 40 | 22 | 25 | 28 | 14 | 49 | 16 | 8 |
| 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 |
| Depreciation | 43 | 46 | 49 | 52 | 54 | 60 | 64 | 68 | 71 | 77 | 76 | 82 | 82 |
| 848 | 945 | 996 | 1,447 | 964 | 1,328 | 967 | 1,167 | 1,071 | 1,134 | 1,232 | 1,383 | 1,641 | |
| Tax % | 28.99% | 29.78% | 28.87% | 22.00% | 29.89% | 29.52% | 31.58% | 40.73% | 30.59% | 29.02% | 28.89% | 28.55% | 25.41% |
| Net Profit | 0 | 0 | 0 | 0 | 779 | 1,021 | 724 | 886 | 851 | 882 | 966 | 1,165 | 1,224 |
| 3 | 3 | 3 | 5 | 3 | 4 | 3 | 3 | 3 | 3 | 4 | 4 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,823 | 11,717 | 15,413 | 17,118 | 19,554 | 22,230 | 27,416 | 33,941 | 40,590 | 45,509 | 29,090 | |
| 2,478 | 10,328 | 12,455 | 11,780 | 14,382 | 20,687 | 19,972 | 21,978 | 26,357 | 28,815 | 33,854 | |
| Operating Profit | 3,345 | 1,390 | 2,958 | 5,339 | 5,172 | 1,542 | 7,444 | 11,963 | 14,233 | 16,694 | -4,764 |
| OPM % | 57.45% | 11.86% | 19.19% | 31.19% | 26.45% | 6.94% | 27.15% | 35.25% | 35.06% | 36.68% | -16.38% |
| 63 | 2,656 | 2,403 | 542 | 173 | 4,090 | 2,786 | 53 | 134 | 54 | 34 | |
| Interest | 2,299 | 3,026 | 4,109 | 4,647 | 3,919 | 3,490 | 4,722 | 7,617 | 9,694 | 11,622 | 12,276 |
| Depreciation | 43 | 99 | 96 | 204 | 149 | 196 | 145 | 188 | 246 | 307 | 317 |
| Profit before Tax | 1,066 | 1,096 | 1,381 | 1,280 | 1,546 | 2,287 | 5,635 | 4,515 | 4,843 | 5,271 | 5,390 |
| Tax % | 35.15% | 36.75% | 41.24% | 32.32% | 28.47% | 27.40% | 14.39% | 24.95% | 30.17% | 26.70% | 27.77% |
| Net Profit | 691 | 693 | 811 | 866 | 1,106 | 1,660 | 4,824 | 3,388 | 3,382 | 3,864 | 3,893 |
| EPS | 6.35 | 3.53 | 3.95 | 4.06 | 4.66 | 7.05 | 19.77 | 12.83 | 12.78 | 14.37 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 29%
- 5 Years:
- 18%
- 3 Years:
- 18%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 26%
- 5 Years:
- 27%
- 3 Years:
- -8%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 28%
- 3 Years:
- 30%
- 1 Year:
- 36%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 15%
- 3 Years:
- 13%
- Last Year:
- 12%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1,232 | 2,201 | 2,201 | 2,414 | 2,415 | 2,416 | 2,418 | 2,600 | 2,607 | 2,620 | |
| Minority Interest | 1,952 | 1,056 | 1,157 | 1,320 | 1,485 | 1,599 | 1,509 | 1,821 | 1,958 | 2,344 |
| 5,363 | 6,252 | 7,136 | 9,987 | 11,152 | 12,883 | 17,659 | 23,910 | 27,444 | 31,402 | |
| 66,318 | 81,322 | 96,685 | 97,229 | 1,05,591 | 1,19,313 | 1,53,723 | 1,92,657 | 2,34,869 | 2,86,090 | |
| Trade Payables | 687 | 374 | 518 | 547 | 720 | 884 | 1,407 | 1,413 | 1,318 | 1,842 |
| 3,704 | 2,350 | 1,772 | 2,023 | 3,122 | 3,720 | 3,562 | 9,183 | 10,352 | 10,667 | |
| Total Liabilities | 79,256 | 93,556 | 1,09,470 | 1,13,520 | 1,24,485 | 1,40,815 | 1,80,277 | 2,31,584 | 2,78,548 | 3,34,966 |
| 778 | 837 | 876 | 1,165 | 1,244 | 1,291 | 1,264 | 1,638 | 1,916 | 1,984 | |
| Capital Work in Progress | 2 | 1 | 1 | 3 | 1 | 12 | 9 | 10 | 22 | 11 |
| 11,760 | 14,864 | 18,789 | 25,586 | 29,734 | 37,195 | 49,877 | 99,539 | 1,12,953 | 1,25,116 | |
| 583 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 698 | 688 | 843 | |
| Cash & Bank | 804 | 1,056 | 1,086 | 3,117 | 3,179 | 2,638 | 2,316 | 3,231 | 5,908 | 4,575 |
| 65,331 | 76,797 | 88,718 | 83,649 | 90,327 | 99,680 | 1,26,811 | 1,26,468 | 1,57,061 | 2,02,435 | |
| Total Assets | 79,256 | 93,556 | 1,09,470 | 1,13,520 | 1,24,485 | 1,40,815 | 1,80,277 | 2,31,584 | 2,78,548 | 3,34,966 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -7,183 | -11,467 | -9,611 | 4,899 | 437 | -4,311 | -23,468 | -24,100 | -27,935 | -36,544 | |
| Cash from Investing | -2,122 | 38 | -690 | -3,070 | 2,429 | -1,446 | -2,650 | -4,590 | 935 | -3,544 |
| Cash from Financing | 9,870 | 12,006 | 10,852 | 875 | -2,581 | 5,836 | 26,385 | 28,514 | 29,778 | 38,161 |
| 179 | 150 | -94 | 2,076 | -88 | -679 | -293 | -176 | 2,778 | -1,927 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 117695 Shares.
2026-09-10 - Aditya Birla Capital Limited has informed the Exchange about Schedule of meet
2026-09-09 - Aditya Birla Capital Limited has informed the Exchange about copy of Newspaper Publication
2026-09-09 - Aditya Birla Capital Limited has informed the Exchange regarding allotment of Non Convertible Securities.
2026-09-04 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 36265 Shares.
2026-09-02 - Aditya Birla Capital Limited has informed the Exchange regarding allotment of 30000 securities pursuant to Non Convertible Securities at its meeting held on September 02, 2026
2026-08-28 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 141848 Shares.
2026-08-28 - Aditya Birla Capital Limited has informed the Exchange about the Investor Meet
2026-08-25 - Aditya Birla Capital Limited has informed the Exchange about Schedule of meet
News
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