Aditya Birla Capital Ltd.

•

adityabirlacapital.comBSE: 540691NSE: ABCAPITAL

Market Cap₹ 1,09,502 Cr.

Current Price

High / Low₹ 431 / 278

Stock P/E26.7

Book Value₹ 129

Price to Book2.25

Dividend Yield0.00 %

ROCE8.8 %

ROE12.1 %

Face Value₹ 10

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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 GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY ALPHA 50 NIFTY500MOMENTM50 NIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 100

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SUNDARMFIN	4702.35	23.54	52244.92	0.85	636.19	33.88	2644.13	23.37	9.35	80.61

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
	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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	68.98	68.90	68.86	68.85	68.76	68.70	68.58	68.51	68.81
	10.12	10.40	8.57	7.83	6.47	6.10	5.15	7.01	7.94
	8.11	8.45	9.49	9.76	11.98	12.72	14.47	13.70	13.36
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	11.92	11.60	12.41	12.58	12.04	11.68	10.91	9.97	9.13

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

ESOP/ESOS/ESPS

2026-09-11 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 117695 Shares.

2026-09-10

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-10 - Aditya Birla Capital Limited has informed the Exchange about Schedule of meet

2026-09-09

Copy of Newspaper Publication

2026-09-09 - Aditya Birla Capital Limited has informed the Exchange about copy of Newspaper Publication

2026-09-09

Allotment of Securities

2026-09-09 - Aditya Birla Capital Limited has informed the Exchange regarding allotment of Non Convertible Securities.

2026-09-04

ESOP/ESOS/ESPS

2026-09-04 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 36265 Shares.

2026-09-02

Allotment of Securities

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

ESOP/ESOS/ESPS

2026-08-28 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 141848 Shares.

2026-08-28

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-28 - Aditya Birla Capital Limited has informed the Exchange about the Investor Meet

2026-08-25

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-25 - Aditya Birla Capital Limited has informed the Exchange about Schedule of meet

News

Recent coverage and analyst commentary for ABCAPITAL

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Aditya Birla Capital Ltd.

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Free 5nance Account

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

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

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

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

779

1,021

724

886

851

882

966

1,165

1,224

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%

2,656

2,403

542

173

4,090

2,786

134

Interest

2,299

3,026

4,109

4,647

3,919

3,490

4,722

7,617

9,694

11,622

12,276

Depreciation

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%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

1,232

2,201

2,414

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

11,760

14,864

18,789

25,586

29,734

37,195

49,877

99,539

1,12,953

1,25,116

583

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

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

-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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

68.98

68.90

68.86

68.85

68.76

68.70

68.58

68.51

68.81

10.12

10.40

8.57

7.83

6.47

6.10

5.15

7.01

7.94

8.11

8.45

9.49

9.76

11.98

12.72

14.47

13.70

13.36

Government

0.00

Public

11.92

11.60

12.41

12.58

12.04

11.68

10.91

9.97

9.13

Aditya Birla Capital Ltd.

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Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Aditya Birla Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI