Aditya Birla Capital Ltd.

•

adityabirlacapital.comBSE: 540691NSE: ABCAPITAL

Market Cap₹ 1,09,173 Cr.

Current Price

High / Low₹ 431 / 278

Stock P/E32.8

Book Value₹ 107

Price to Book2.70

Dividend Yield0.00 %

ROCE8.8 %

ROE11.7 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Lending: 98.1% • Investing & Others: 1.9%

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 111.8% 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 delivered good sales growth of 176.6% CAGR over last 5 years
Latest quarter profit grew 32.2% YoY, showing strong momentum

CONS

Company has a low return on capital employed of 11.6%
Free cash flow has been persistently negative
Valuation is stretched - P/E of 32.8 is well above its own 5-year median (16.3)
Operating margins have contracted to 75.0% from 84.7%
Though reporting repeated profits, the company pays out little dividend (0.0%)
Company's return on assets is weak at 2.0%

* 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	1040.00	31.89	647499.25	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.35	21.40	242204.36	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1829.00	27.16	156208.67	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	231.00	73.81	152532.57	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11093.25	13.94	123460.67	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2820.00	9.95	113214.11	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.80	26.60	109173.43	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	310.20	24.43	77747.06	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	670.00	28.02	63760.09	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.90	25.77	56068.33	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SUNDARMFIN	4724.30	23.65	52488.80	0.85	636.19	33.88	2644.13	23.37	9.35	80.61

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	9	134	48	4,139	3,615	4,158	3,792	3,853	4,010	4,507	4,384	4,572	4,990
	9	13	15	894	859	858	908	885	926	1,052	1,075	1,094	3,824
Operating Profit	1	121	34	3,244	2,756	3,299	2,884	2,968	3,084	3,455	3,285	3,478	3,848
OPM %	5.62%	90.06%	69.69%	78.39%	76.24%	79.36%	76.05%	77.02%	76.91%	76.66%	74.94%	76.08%	77.12%
Other Income	0	0	0	27	49	43	16	26	31	17	52	12	11
Interest	0	0	0	1,804	1,895	1,966	2,042	2,079	2,173	2,208	2,322	2,409	2,645
Depreciation	0	0	0	33	31	34	34	36	35	37	37	37	37
	1	121	34	1,434	880	1,343	825	879	908	1,227	990	1,043	1,177
Tax %	24.64%	24.64%	24.12%	17.56%	25.15%	23.19%	25.67%	25.61%	25.56%	25.33%	25.24%	25.50%	24.09%
Net Profit	1	91	26	1,182	658	1,032	613	654	676	916	740	777	893
	0	0	0	5	3	4	2	3	3	4	3	3	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	35	164	178	200	108	453	219	13,562	15,419	17,473	18,453
	30	103	70	66	35	34	38	3,518	3,782	4,369	7,045
Operating Profit	5	61	107	134	73	419	181	10,044	11,637	13,104	11,408
OPM %	13.98%	37.46%	60.39%	66.87%	67.57%	92.48%	82.60%	74.06%	75.47%	75.00%	61.82%
	0	1	-30	-28	1	1	5	330	411	326	80
Interest	1	25	89	77	0	0	0	6,469	7,987	9,115	9,585
Depreciation	0	0	1	1	1	1	1	122	134	147	148
Profit before Tax	4	36	-12	28	72	419	184	3,782	3,927	4,168	4,437
Tax %	0.00%	0.00%	17.53%	-7.96%	-1.02%	17.74%	23.30%	22.40%	24.69%	25.40%	25.02%
Net Profit	4	36	-10	30	73	345	141	2,935	2,957	3,109	3,327
EPS	0.05	0.18	-0.04	0.13	0.30	1.43	0.58	11.29	11.34	11.87	—
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:: 118%
5 Years:: 177%
3 Years:: 331%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 112%
3 Years:: 180%

STOCK PRICE CAGR

10 Years:: —
5 Years:: 28%
3 Years:: 28%
1 Year:: 39%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 10%
3 Years:: 14%
Last Year:: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1,232	2,201	2,201	2,414	2,415	2,416	2,418	2,600	2,607	2,620
	3,379	4,928	4,920	6,870	6,962	7,325	7,491	19,178	22,299	25,740
	493	675	1,440	0	8	6	3	92,615	1,11,424	1,39,757
Trade Payables	18	21	9	9	9	5	7	578	430	509
	36	259	329	334	341	327	452	4,168	5,462	6,630
Total Liabilities	5,158	8,084	8,899	9,626	9,735	10,078	10,371	1,19,139	1,42,222	1,75,255
	4	34	12	9	15	12	11	490	488	460
	5,084	7,923	8,709	9,528	9,555	9,846	10,214	11,635	12,829	16,691
	0	0	0	0	0	0	0	29	35	72
Cash & Bank	2	2	5	6	2	2	2	1,243	2,377	484
	68	125	174	82	163	218	144	1,05,742	1,26,493	1,57,547
Total Assets	5,158	8,084	8,899	9,626	9,735	10,078	10,371	1,19,139	1,42,222	1,75,255

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	6	59	-7	83	-79	-84	345	-20,824	-16,647	-24,024
Cash from Investing	-1,974	-867	-666	-658	79	151	-350	-3,633	370	-3,941
Cash from Financing	1,970	810	677	579	-0	-1	7	24,267	18,455	26,056
	-1	-1	3	2	-4	-1	0	-190	2,177	-1,909

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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

2026-09-10

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

2026-08-24

ESOP/ESOS/ESPS

2026-08-24 - Aditya Birla Capital Limited has informed the Exchange regarding Allotment of 324470 Shares.

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

1040.00

31.89

647499.25

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.35

21.40

242204.36

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1829.00

27.16

156208.67

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

231.00

73.81

152532.57

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11093.25

13.94

123460.67

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2820.00

9.95

113214.11

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.80

26.60

109173.43

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

310.20

24.43

77747.06

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

670.00

28.02

63760.09

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

674.90

25.77

56068.33

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

SUNDARMFIN

4724.30

23.65

52488.80

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

134

4,139

3,615

4,158

3,792

3,853

4,010

4,507

4,384

4,572

4,990

894

859

858

908

885

926

1,052

1,075

1,094

3,824

Operating Profit

121

3,244

2,756

3,299

2,884

2,968

3,084

3,455

3,285

3,478

3,848

OPM %

5.62%

90.06%

69.69%

78.39%

76.24%

79.36%

76.05%

77.02%

76.91%

76.66%

74.94%

76.08%

77.12%

Other Income

Interest

1,804

1,895

1,966

2,042

2,079

2,173

2,208

2,322

2,409

2,645

Depreciation

121

1,434

880

1,343

825

879

908

1,227

990

1,043

1,177

Tax %

24.64%

24.12%

17.56%

25.15%

23.19%

25.67%

25.61%

25.56%

25.33%

25.24%

25.50%

24.09%

Net Profit

1,182

658

1,032

613

654

676

916

740

777

893

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

164

178

200

108

453

219

13,562

15,419

17,473

18,453

103

3,518

3,782

4,369

7,045

Operating Profit

107

134

419

181

10,044

11,637

13,104

11,408

OPM %

13.98%

37.46%

60.39%

66.87%

67.57%

92.48%

82.60%

74.06%

75.47%

75.00%

61.82%

-30

-28

330

411

326

Interest

6,469

7,987

9,115

9,585

Depreciation

122

134

147

148

Profit before Tax

-12

419

184

3,782

3,927

4,168

4,437

Tax %

0.00%

17.53%

-7.96%

-1.02%

17.74%

23.30%

22.40%

24.69%

25.40%

25.02%

Net Profit

-10

345

141

2,935

2,957

3,109

3,327

EPS

0.05

0.18

-0.04

0.13

0.30

1.43

0.58

11.29

11.34

11.87

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

1,232

2,201

2,414

2,415

2,416

2,418

2,600

2,607

2,620

3,379

4,928

4,920

6,870

6,962

7,325

7,491

19,178

22,299

25,740

493

675

1,440

92,615

1,11,424

1,39,757

Trade Payables

578

430

509

259

329

334

341

327

452

4,168

5,462

6,630

Total Liabilities

5,158

8,084

8,899

9,626

9,735

10,078

10,371

1,19,139

1,42,222

1,75,255

490

488

460

5,084

7,923

8,709

9,528

9,555

9,846

10,214

11,635

12,829

16,691

Cash & Bank

1,243

2,377

484

125

174

163

218

144

1,05,742

1,26,493

1,57,547

Total Assets

5,158

8,084

8,899

9,626

9,735

10,078

10,371

1,19,139

1,42,222

1,75,255

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-7

-79

-84

345

-20,824

-16,647

-24,024

Cash from Investing

-1,974

-867

-666

-658

151

-350

-3,633

370

-3,941

Cash from Financing

1,970

810

677

579

-0

-1

24,267

18,455

26,056

-1

-4

-1

-190

2,177

-1,909

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.

AI Sector View

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