Aditya Birla Money Ltd.

•

stocksandsecurities.adityabirlacapital.comBSE: 532974NSE: BIRLAMONEY

Market Cap₹ 721 Cr.

Current Price

High / Low₹ 197 / 95

Stock P/E13.3

Book Value₹ 55

Price to Book1.82

Dividend Yield0.00 %

ROCE9.9 %

ROE21.8 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Broking: 75.8% • Trading in Securities: 23.6% • Others: 0.6%

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 29.9% CAGR over last 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 32.7%
Asset quality is healthy - gross NPA of just 0.0%
Solid return on assets for a lender - ROA of 2.0%
Operating margins have improved to 48.5% from 39.6%
Company has delivered good sales growth of 19.4% CAGR over last 5 years

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Recent results are weak - TTM profit is down 12.4% versus prior year
Company has a low return on capital employed of 12.0%
Free cash flow has been persistently negative
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Stock Broking

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	MCX	3185.00	52.68	81214.90	0.25	413.44	103.47	702.00	88.10	48.10	70.40
2.	MOTILALOFS	1016.00	30.90	61196.04	0.59	1273.71	9.53	3425.76	25.49	12.68	57.49
3.	360ONE	1155.00	37.30	47073.70	1.04	330.53	16.11	1226.09	26.85	12.28	63.01
4.	NUVAMA	1838.70	31.28	33872.21	1.52	305.64	15.83	1376.22	22.59	17.52	52.80
5.	ANGELONE	285.95	25.33	26136.87	1.42	231.40	102.15	1429.69	25.35	14.87	33.92
6.	CHOICEIN	767.40	71.93	17095.87	0.00	60.61	26.37	309.79	32.46	23.09	33.83
7.	IIFLCAPS	338.00	18.69	10653.05	0.89	184.16	4.92	631.48	3.13	23.27	35.76
8.	SHAREINDIA	169.35	10.20	3705.81	0.94	1244.11	1374.47	4480.93	1212.47	21.00	44.76
9.	ARSSBL	515.15	25.03	3248.87	0.97	23.35	2.35	246.10	22.37	19.72	39.54
10.	MONARCH	383.35	16.79	3040.29	0.26	45.18	-0.15	90.89	-7.25	33.26	66.00
11.	GEOJITFSL	82.68	31.82	2307.78	1.81	19.83	-30.83	160.40	7.46	9.35	20.55
12.	BIRLAMONEY	127.55	69.05	720.77	0.00	11.13	-27.65	130.77	16.03	9.88	47.39

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
	78	96	101	114	119	127	107	99	113	107	120	130	131
	46	57	58	65	66	59	51	50	58	60	60	65	116
Operating Profit	32	39	44	49	54	68	57	50	55	47	53	65	62
OPM %	41.39%	40.35%	43.20%	43.31%	44.93%	53.55%	52.77%	49.99%	48.56%	43.70%	44.64%	50.15%	47.39%
Other Income	1	1	1	2	0	0	8	0	0	1	0	4	1
Interest	19	21	24	29	29	30	32	35	32	30	35	40	44
Depreciation	2	2	2	2	2	2	2	3	3	3	3	3	4
	13	17	19	20	22	36	30	13	21	14	18	26	15
Tax %	27.66%	29.09%	18.82%	19.39%	26.69%	26.29%	28.39%	26.25%	25.24%	28.57%	21.95%	27.14%	27.75%
Net Profit	9	12	15	16	16	27	22	9	15	10	14	19	11
	2	2	3	3	3	5	4	2	3	2	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
	123	163	168	167	193	231	263	390	453	469	487
	109	141	124	122	143	164	175	225	224	241	301
Operating Profit	15	22	44	45	50	68	88	165	229	227	186
OPM %	11.99%	13.30%	26.30%	26.98%	25.92%	29.24%	33.54%	42.39%	50.50%	48.48%	38.22%
	2	3	4	7	3	3	16	5	9	2	2
Interest	6	12	32	29	24	28	51	93	127	138	149
Depreciation	3	2	2	6	7	7	7	8	10	12	13
Profit before Tax	7	10	14	17	22	36	47	69	102	79	74
Tax %	11.61%	27.69%	28.65%	27.36%	29.54%	26.76%	27.37%	23.16%	27.01%	25.71%	26.26%
Net Profit	6	7	10	12	16	26	34	53	74	58	54
EPS	0.00	0.00	0.00	0.00	2.80	4.63	6.01	9.37	13.13	10.35	—
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:: 15%
5 Years:: 19%
3 Years:: 21%

COMPOUNDED PROFIT GROWTH

10 Years:: 48%
5 Years:: 30%
3 Years:: 20%

STOCK PRICE CAGR

10 Years:: 16%
5 Years:: 15%
3 Years:: 21%
1 Year:: -29%

RETURN ON EQUITY

10 Years:: 39%
5 Years:: 36%
3 Years:: 33%
Last Year:: 22%

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
	6	6	6	6	6	6	6	6	6	6
	28	3	15	25	41	69	103	157	230	295
	36	266	419	224	377	717	876	1,403	1,706	2,208
Trade Payables	21	22	27	31	29	33	19	24	17	23
	176	240	224	259	425	436	352	516	501	927
Total Liabilities	265	537	690	544	878	1,261	1,356	2,105	2,461	3,458
	7	6	7	26	24	24	31	36	39	42
Capital Work in Progress	0	0	1	0	0	0	0	0	0	0
	6	24	0	0	0	0	0	0	0	0
	0	116	281	90	256	436	404	430	717	818
	0	0	0	0	0	0	0	61	30	43
Cash & Bank	74	215	241	283	405	462	565	568	906	1,039
	178	176	161	145	193	339	357	1,011	770	1,515
Total Assets	265	537	690	544	878	1,261	1,356	2,105	2,461	3,458

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
	52	-166	-140	263	-148	-270	-60	-444	-126	-317
Cash from Investing	-2	-23	24	1	0	0	-4	-4	-1	-6
Cash from Financing	-46	182	122	-226	127	311	106	403	173	358
	3	-10	-1	32	-28	27	26	-45	46	35

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
PER SHARE
EPS (₹)	1.11	1.30	1.77	2.13	2.80	4.64	6.01	9.37	13.13	10.35
Book Value (₹)	6.01	1.58	3.63	5.37	8.32	13.16	19.32	28.79	41.79	53.13
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	1.66	1.69	2.15	3.28	4.05	5.84	7.18	10.83	14.86	12.43
PROFITABILITY
Operating Margin %	13.23%	14.93%	28.45%	31.34%	27.36%	30.37%	39.56%	42.39%	50.50%	48.48%
Net Margin %	4.98%	4.49%	5.95%	7.19%	8.16%	11.30%	12.89%	13.57%	16.37%	12.48%
ROE %	20.33%	34.62%	68.14%	47.26%	40.93%	43.18%	37.00%	38.98%	37.20%	21.80%
ROCE %	13.97%	12.46%	12.78%	13.19%	13.51%	10.44%	10.96%	12.84%	13.24%	9.88%
	2.45%	1.82%	1.63%	1.94%	2.22%	2.44%	2.59%	3.06%	3.25%	1.98%
EFFICIENCY
Debtor Days	417	316	267	194	206	157	44	37	36	29
Inventory Days	0	259	430	406	327	546	583	390	462	598
Payable Days	0	0	0	0	0	0	0	0	0	0
	417	575	698	601	533	704	627	427	498	626
FINANCIAL HEALTH
Debt to Equity (x)	0.80x	30.03x	20.40x	7.40x	8.04x	9.67x	8.03x	8.45x	7.11x	7.26x
Interest Coverage (x)	2.10x	1.84x	1.44x	1.56x	1.95x	2.28x	1.92x	1.74x	1.80x	1.57x
	1.11x	0.98x	0.99x	0.97x	1.00x	1.02x	1.03x	0.62x	0.81x	0.71x
GROWTH
Revenue Growth %	10.80%	31.83%	3.33%	-0.83%	16.10%	19.55%	13.68%	48.39%	16.13%	3.41%
Operating Profit Growth %	24.11%	48.71%	96.95%	9.24%	1.35%	32.71%	48.08%	63.65%	39.97%	-2.67%
Net Profit Growth %	413.42%	18.73%	36.87%	19.97%	31.68%	65.57%	29.73%	56.24%	40.07%	-21.18%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	56.08%	40.07%	-21.18%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	10.27x	12.47x	9.34x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	3.34x	3.92x	1.82x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	7.93x	7.13x	7.27x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	73.53	73.53	73.53	73.53	73.53	73.53	73.53	73.53	73.53
	0.91	0.02	0.29	0.02	0.03	0.07	0.00	0.03	0.08
	0.00	0.00	0.23	0.05	0.05	0.05	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.56	26.46	25.94	26.39	26.38	26.35	26.47	26.45	26.39

Documents

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

2026-08-25

Copy of Newspaper Publication

2026-08-25 - Aditya Birla Money Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-03

Credit Rating

2026-08-03 - Aditya Birla Money Limited has informed the Exchange about Credit Rating

2026-07-31

Shareholders meeting

2026-07-31 - Aditya Birla Money Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 30, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-30

Credit Rating

2026-07-30 - Aditya Birla Money Limited has informed the Exchange about Credit Rating

2026-07-30

Shareholders meeting

2026-07-30 - Aditya Birla Money Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 30, 2026

2026-07-15

Copy of Newspaper Publication

2026-07-15 - Aditya Birla Money Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-14

Outcome of Board Meeting

2026-07-14 - Aditya Birla Money Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-07-09

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-09 - Aditya Birla Money Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-09

Copy of Newspaper Publication

2026-07-09 - Aditya Birla Money Limited has informed the Exchange about Copy of Newspaper Publication

News

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