Aditya Birla Capital Ltd.
ABCAPITALNSEFinanceFinance - NBFCMid Cap
₹375.9
▲ 1.43%
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30
Composite
The company is one of India’s leading, diversified financial services companies. With a wide range of offerings covering loans, investments, insurance and payments, the company has curated a full spectrum of financial solutions for its customers. Through its omnichannel architecture it provides seamless transacting experience to its customers and give them complete flexibility to choose their channel of interaction.
Q-DITS fundamental score
30Composite
Growth
20
Profitability
35
Valuation
67
Quality
24
Solvency
4
Earnings
0
Key metrics
MCap
₹98.6K Cr
TTM PE
26.2x
Industry PE
24.6x
TTM EPS
₹14.36
Book Value
₹131.3
Face Value
₹10
Div Yield
0%
PEG
-3.52x
PB
1.6x
ROE
12%
ROCE
9.5%
EBITDA mgn
35.4%
D/E
4.64
Int. Cover
1.5x
Curr. Ratio
0.36x
EPS
₹12.78
Growth — CAGR across horizons
| Metric | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|
| Net Sales | 12.1% | 18.4% | 18.8% | — |
| EBITDA | 17.3% | 30.9% | 25.9% | — |
| Net Profit | 14.1% | -7.4% | 27.6% | — |
Score snapshot
Piotroski
2/9
Altman Z
0.39
Quality
24
Growth
20.4
Valuation
67
Earn. Qual
0
PEAD
0
SURGE
0
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Revenue, profitability & returns
Revenue & Net Profit (₹ Cr)
RevenueNet Profit
Margins (%)
EBITDA%PAT%
Return ratios (%)
ROEROCEROA
Annual financials — last 10 years
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| Metric | Trend | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ›RevenueCr | 3,598 | 5,823 | 11,717 | 15,413 | 17,118 | 19,554 | 22,230 | 27,416 | 33,941 | 40,590 | |
| ›EBITDACr | 2,513 | 3,408 | 4,045 | 5,360 | 5,880 | 5,345 | 5,632 | 10,229 | 12,016 | 14,366 | |
| ›EBITDA margin | 69.9% | 58.5% | 34.5% | 34.8% | 34.4% | 27.3% | 25.3% | 37.3% | 35.4% | 35.4% | |
| ›Net profitCr | 524 | 691 | 693 | 811 | 866 | 1,106 | 1,660 | 4,824 | 3,388 | 3,382 | |
| ›PAT margin | 14.6% | 11.9% | 5.9% | 5.3% | 5.1% | 5.7% | 7.5% | 17.6% | 10% | 8.3% | |
| ›EPS₹ | ₹4.77 | ₹4.3 | ₹3.15 | ₹3.96 | ₹3.81 | ₹4.66 | ₹7.06 | ₹19.83 | ₹12.83 | ₹12.78 | |
| ›Revenue growth | 0% | 61.8% | 101.2% | 31.5% | 11.1% | 14.2% | 13.7% | 23.3% | 23.8% | 19.6% | |
| ›PAT growth | 0% | 31.9% | 0.3% | 17.1% | 6.8% | 27.7% | 50.1% | 190.6% | -29.8% | -0.2% | |
| ›ROE | 19.3% | 14.8% | 9.2% | 9.1% | 8% | 8.5% | 11.5% | 27.3% | 14.5% | 12% | |
| ›ROCE | 9% | 10% | 8.9% | 9.2% | 8.8% | 8.1% | 8.3% | 11.6% | 10.1% | 9.5% | |
| ›ROA | 1.8% | 1.3% | 0.8% | 0.8% | 0.8% | 0.9% | 1.3% | 3% | 1.6% | 1.3% | |
| ›P/E | 0x | 0x | 46.3x | 24.7x | 11.1x | 25.6x | 15.2x | 7.7x | 13.7x | 14.5x | |
| ›P/B | 0x | 0x | 3.8x | 2.3x | 0.8x | 2.1x | 1.7x | 1.9x | 1.7x | 1.6x | |
| ›D/E | 5.1 | 5 | 5.3 | 6 | 4.5 | 3.9 | 3.8 | 4.2 | 4.1 | 4.6 | |
| ›Current ratio | 1.1x | 0.9x | 0.2x | 0.2x | 1x | 0.4x | 0.2x | 0.2x | 0.4x | 0.4x | |
| ›Interest cover | 1.5x | 1.5x | 1.4x | 1.3x | 1.3x | 1.4x | 1.7x | 2.2x | 1.6x | 1.5x |
Quarterly results
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| Metric | Trend | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ›RevenueCr | 8,585 | 10,780 | 8,673 | 10,322 | 9,381 | 12,214 | 9,503 | 10,595 | 11,952 | 13,459 | |
| ›Rev growth YoY | 23.7% | 34.3% | 23.1% | 35.7% | 9.3% | 13.3% | 9.6% | 2.6% | 27.4% | 10.2% | |
| ›EBITDACr | 3,028 | 3,598 | 3,215 | 3,718 | 3,505 | 3,795 | 3,850 | 4,001 | 4,307 | 4,535 | |
| ›EBITDA margin | 35.3% | 33.4% | 37.1% | 36% | 37.4% | 31.1% | 40.5% | 37.8% | 36% | 33.7% | |
| ›Net profitCr | 715 | 1,145 | 698 | 942 | 662 | 691 | 743 | 805 | 876 | 988 | |
| ›PAT growth YoY | -78% | 97.3% | 12.2% | 41.1% | -6.5% | -38.7% | 10% | -14% | 32.3% | 42.9% | |
| ›EPS₹ | ₹2.83 | ₹4.79 | ₹2.92 | ₹3.84 | ₹2.72 | ₹3.32 | ₹3.2 | ₹3.27 | ₹3.61 | ₹4.31 |
Balance sheet — last 10 years (₹ Cr)
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| Metric | Trend | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ›Shareholders' equityCr | 6,610 | 8,538 | 9,512 | 12,576 | 13,743 | 15,492 | 20,311 | 26,817 | 30,389 | 34,423 | |
| ›ReservesCr | 5,363 | 6,252 | 7,136 | 9,987 | 11,152 | 12,883 | 17,659 | 23,910 | 27,444 | 31,804 | |
| ›Total borrowingsCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| ›InvestmentsCr | 34,833 | 40,314 | 44,705 | 49,722 | 59,504 | 69,755 | 82,634 | 1,01,800 | 1,15,541 | 0 | |
| ›Total assetsCr | 60,517 | 74,804 | 94,343 | 1,05,279 | 1,14,590 | 1,23,896 | 1,60,590 | 1,79,715 | 2,18,361 | 3,35,393 | |
| ›Current assetsCr | 17,291 | 3,437 | 2,493 | 7,986 | 4,378 | 4,013 | 3,476 | 18,448 | 21,661 | 8,664 | |
| ›Current liabilitiesCr | 18,846 | 18,686 | 15,118 | 8,225 | 9,845 | 16,870 | 19,763 | 51,909 | 60,282 | 1,507 | |
| ›Trade payablesCr | 687 | 374 | 518 | 547 | 720 | 884 | 1,407 | 1,413 | 1,318 | 1,842 | |
| ›Gross blockCr | 1,292 | 952 | 1,067 | 1,533 | 1,823 | 2,042 | 2,091 | 2,682 | 3,172 | 371 |
Cash flow statement (₹ Cr)
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| Metric | Trend | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ›Operating CF (CFO)Cr | -7,570 | -11,894 | -10,256 | 4,271 | 64 | -5,070 | -24,029 | -24,100 | -27,935 | -36,544 | |
| ›Investing CF (CFI)Cr | -2,122 | 38 | -690 | -3,070 | 2,429 | -1,446 | -2,650 | -4,590 | 935 | -3,544 | |
| ›Financing CF (CFF)Cr | 9,870 | 12,006 | 10,852 | 875 | -2,581 | 5,836 | 26,385 | 28,514 | 29,778 | 38,161 | |
| ›Net cash changeCr | 179 | 150 | -94 | 2,076 | -88 | -679 | -293 | -176 | 2,778 | -1,927 | |
| ›Closing cashCr | 733 | 846 | 739 | 2,815 | 2,727 | 2,049 | 1,731 | 1,554 | 4,331 | 2,403 |
Cash flow components
CFO · CFI · CFF (₹ Cr)
CFOCFICFF
Q-DITS scorecard
Composite score
30
Quality (25%)24
Growth (25%)20.4
Valuation (20%)67
Piotroski (15%)22
Earnings Quality (10%)0
Momentum (5%)—
Weighted blend, rescaled to the components available for this stock.
Piotroski F-Score
2/9
✓ROA positiveROA 1.33%
✗CFO positiveCFO ₹-36544.12 Cr
✗ROA improving1.65% → 1.33%
✗CFO > PAT (low accruals)CFO -36544.12 vs PAT 3381.89
✗Leverage decreasedD/E 4.13 → 4.64
✓Liquidity improvedCR 0.36 → 0.36
✗No share dilutionEPS 12.83 → 12.78
✗Margin improvedEBITDA mgn 35.4% → 35.39%
✗Asset turnover upAsset TO 0.16 → 0.16
Altman Z-Scoredistress
0.39
X1
0.021
X2
0.095
X3
0.043
X4
0.103
X5
0.121
>2.9 safe · 1.23–2.9 grey · <1.23 distress
Quality
24/100
ROE
12%
ROCE
9.5%
Margin
8.3%
Debt
4.6
Int. cover
1.5x
Growth
20.4/100
Revenue 3Y
18.4%
Profit 3Y
-7.4%
EPS
-0.3%
Valuation
67/100
PE
14.5x
PB
1.6x
EV/EBITDA
12.3x
vs universe median: PE 25.6x · PB 2.81x · EV 13.41x
Earnings quality
0/100
CFO₹-36,544 Cr
PAT₹3,382 Cr
Accrual ratio0.119
CFO/PAT-10.81x
PEAD · SURGE
0 / 0
Revenue SUE-0.88
EPS SUE1.53
Latest quarter2026-03
Rev growth YoY10.2%
Documents & filings
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Peer comparison
| Company | MCap (Cr) | Revenue | PAT | PE | PB | ROE% | ROCE% | D/E |
|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd. | 5,98,501 | 82,522 | 19,316 | 31.5x | 5.3x | 19.6 | 11.4 | 3.77 |
| Shriram Finance Ltd. | 2,35,868 | 48,133 | 10,004 | 23.5x | 2.2x | 16.4 | 11.5 | 3.8 |
| JIO Financial Services Ltd. | 1,61,513 | 3,513 | 1,237 | 103.5x | 1.1x | 1.2 | 1.5 | 0.03 |
| Tata Capital Ltd. | 1,57,718 | 31,540 | 4,886 | 32.5x | 3.4x | 14 | 9.7 | 7.2 |
| Cholamandalam Investment and Finance Company Ltd. | 1,44,488 | 31,073 | 5,229 | 27.6x | 4.7x | 19.9 | 10.3 | 7.46 |
| Muthoot Finance Ltd. | 1,25,407 | 31,209 | 10,607 | 11.8x | 3.2x | 19.7 | 13.3 | 3.38 |
| Bajaj Holdings & Investment Ltd. | 1,18,869 | 1,070 | 2,183 | 12.3x | 1.6x | 11.3 | 11.5 | 0 |