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Aditya Birla Money Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹114.10Fairly Valued by 8.72%vs CMP ₹125.00

P/E (11.6) × ROE (22.7%) × BV (₹53.10) × DY (2.00%)

₹93.33Overvalued by 25.34%vs CMP ₹125.00
MoS: -33.9% (Negative)Confidence: 53/100 (Moderate)Models: 1 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹129.3533%Fair (+3.5%)
Graham NumberEarnings₹101.8924%Over (-18.5%)
Net Asset ValueAssets₹53.4411%Over (-57.2%)
EV/EBITDAEnterprise₹32.6713%Over (-73.9%)
Earnings YieldEarnings₹86.9011%Over (-30.5%)
Revenue MultipleRevenue₹80.438%Over (-35.7%)
Consensus (6 models)₹93.33100%Overvalued

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 13.4%

*Investments are subject to market risks

Analyst Summary

Aditya Birla Money Ltd operates in the Finance & Investments segment, NSE: BIRLAMONEY | BSE: 532974, current market price is ₹125.00, market cap is 704 Cr.. At a glance, stock P/E is 11.6, ROE is 22.7 %, ROCE is 9.86 %, book value is 53.1, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹93.33, around 25.3% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹453 Cr versus the prior period change of 14.7%, while latest net profit is about ₹74 Cr with a prior-period change of 39.6%. The 52-week range shown on this page is 201/95.0, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisAditya Birla Money Ltd. is a Public Limited Listed company incorporated on 04/07/1995 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L6…

This summary is generated from the stock page data available for Aditya Birla Money Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

56
Aditya Birla Money Ltd scores 56/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health63/100 · Moderate
ROCE 9.9% AverageROE 22.7% ExcellentD/E 0.40 ModerateInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 73.5% Stable
Earnings Quality65/100 · Strong
OPM expanding (33% → 47%) Improving
Quarterly Momentum25/100 · Weak
Revenue (4Q): -6% YoY DecliningProfit (4Q): -41% YoY Declining
Industry Rank75/100 · Strong
P/E 11.6 vs industry 41.7 Cheaper than peersROCE 9.9% vs industry 9.5% Average3Y sales CAGR: 25% High growth

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: June 12, 2026, 4:24 am

Market Cap 704 Cr.
Current Price 125
Intrinsic Value₹93.33
High / Low 201/95.0
Stock P/E11.6
Book Value 53.1
Dividend Yield0.00 %
ROCE9.86 %
ROE22.7 %
Face Value 1.00
PEG Ratio0.87

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Aditya Birla Money Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Aditya Birla Money Ltd 704 Cr. 125 201/95.011.6 53.10.00 %9.86 %22.7 % 1.00
NBI Industrial Finance Company Ltd 535 Cr. 1,810 3,174/1,53943.0 8,9290.03 %0.56 %0.42 % 5.00
SIL Investments Ltd 436 Cr. 411 772/37611.5 2,4200.61 %1.75 %1.32 % 10.0
Nahar Capital & Financial Services Ltd 411 Cr. 246 354/1916.52 9600.61 %5.03 %3.98 % 5.00
Indiabulls Enterprises Ltd 377 Cr. 19.0 26.8/16.0 9.640.00 %43.2 %483 % 2.00
Industry Average17,604.30 Cr1,186.5941.693,241.060.47%9.50%24.14%6.58

All Competitor Stocks of Aditya Birla Money Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 6766789610111411912710699113107120
Expenses 43434657586566595150586060
Operating Profit 23233239444954685550554760
OPM % 35%35%41%40%43%43%45%54%52%50%49%44%50%
Other Income 4411120010001-3
Interest 14161921242929303235323035
Depreciation 2222222223333
Profit before tax 12101317192022363013211418
Tax % 27%25%28%29%19%19%27%26%28%26%25%29%22%
Net Profit 9791215161627229151014
EPS in Rs 1.551.311.672.112.682.912.904.723.861.652.721.802.52

Last Updated: February 6, 2026, 8:47 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 18, 2026, 2:16 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 69118117125162172171192233267395453438
Expenses 69103105109141124122140164175225224228
Operating Profit 1151216224849527092170229211
OPM % 1%13%10%13%13%28%29%27%30%35%43%51%48%
Other Income 0010203101209-2
Interest 337612322924285193127132
Depreciation 664322677781011
Profit before tax -87271014162236476910266
Tax % 0%-4%36%12%28%29%27%30%27%27%23%27%
Net Profit -871671012162634537449
EPS in Rs -1.481.280.221.111.301.772.132.804.646.019.3713.138.69
Dividend Payout % 0%0%0%0%0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)187.50%-85.71%500.00%16.67%42.86%20.00%33.33%62.50%30.77%55.88%39.62%
Change in YoY Net Profit Growth (%)0.00%-273.21%585.71%-483.33%26.19%-22.86%13.33%29.17%-31.73%25.11%-16.26%

Aditya Birla Money Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:14%
5 Years:22%
3 Years:25%
TTM:3%
Compounded Profit Growth
10 Years:27%
5 Years:44%
3 Years:42%
TTM:22%
Stock Price CAGR
10 Years:25%
5 Years:33%
3 Years:42%
1 Year:14%
Return on Equity
10 Years:37%
5 Years:38%
3 Years:38%
Last Year:37%

Last Updated: September 4, 2025, 10:15 pm

Balance Sheet

Last Updated: June 15, 2026, 6:30 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital 666666666666
Reserves 202228516264269104157230295
Borrowings 7985452664172443977399001,3991,7032,206
Other Liabilities 107125187262255273439454355555532960
Total Liabilities 2122372655396945488831,2671,3632,1162,4713,466
Fixed Assets 8776726242431363942
CWIP 000110101000
Investments 5662428100436404430717818
Other Assets 2002242525084055228598069281,6501,7162,606
Total Assets 2122372655396945488831,2671,3632,1162,4713,466

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -22-2351-169-147257-155-284-77-444-126-317
Cash from Investing Activity + -3321-2-2324100-4-4-1-6
Cash from Financing Activity + 57-1-46182122-226127311106402173358
Net Cash Flow 3-33-10-132-282726-454635
Free Cash Flow -23-2647-170-151255-157-286-84-452-133-325
CFO/OP -142%-182%321%-761%-293%534%-286%-387%-66%-249%-42%-130%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow1.00-64.00-73.00-29.00-244.00-369.00-195.00-345.00-669.00-808.00169.00228.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 46728241743330024013829271255624
Inventory Days
Days Payable
Cash Conversion Cycle 46728241743330024013829271255624
Working Capital Days -175-187-127-148-435-1,037-56313-564-384-375-346
ROCE %-7%13%9%14%12%13%13%13%10%11%13%13%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 73.60%73.53%73.53%73.53%73.53%73.53%73.53%73.53%73.53%73.53%73.53%73.53%
FIIs 0.00%0.10%0.07%0.00%0.03%0.91%0.02%0.29%0.02%0.03%0.07%0.00%
DIIs 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.23%0.05%0.05%0.05%0.00%
Public 26.40%26.37%26.39%26.48%26.45%25.57%26.46%25.95%26.40%26.37%26.34%26.47%
No. of Shareholders 42,86042,69441,56541,32942,81943,88045,84143,04144,33343,00643,68643,087

Shareholding Pattern Chart

No. of Shareholders

Aditya Birla Money Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 18Mar 17Mar 16Mar 15Mar 14
FaceValue 1.001.001.001.001.00
Basic EPS (Rs.) 1.791.310.601.06-2.12
Diluted EPS (Rs.) 1.781.310.601.06-2.12
Cash EPS (Rs.) 2.181.881.322.13-0.95
Book Value[Excl.RevalReserv]/Share (Rs.) 7.975.814.503.904.36
Book Value[Incl.RevalReserv]/Share (Rs.) 7.975.814.503.904.36
Revenue From Operations / Share (Rs.) 28.8923.6821.6021.4913.57
PBDIT / Share (Rs.) 4.123.012.592.44-0.51
PBIT / Share (Rs.) 3.732.441.881.37-1.68
PBT / Share (Rs.) 2.281.460.721.01-2.12
Net Profit / Share (Rs.) 1.791.310.601.06-2.12
NP After MI And SOA / Share (Rs.) 1.791.310.601.06-2.12
PBDIT Margin (%) 14.2612.7211.9911.35-3.79
PBIT Margin (%) 12.9210.318.686.37-12.39
PBT Margin (%) 7.876.163.354.70-15.61
Net Profit Margin (%) 6.205.542.784.95-15.61
NP After MI And SOA Margin (%) 6.205.542.784.95-15.61
Return on Networth / Equity (%) 22.4922.5913.3427.31-48.64
Return on Capital Employeed (%) 37.4931.3529.0323.50-26.61
Return On Assets (%) 1.882.541.302.58-5.54
Total Debt / Equity (X) 4.971.083.003.200.40
Asset Turnover Ratio (%) 0.390.470.470.520.32
Current Ratio (X) 1.061.071.081.091.04
Quick Ratio (X) 0.811.071.081.091.04
Interest Coverage Ratio (X) 2.823.062.256.81-1.18
Interest Coverage Ratio (Post Tax) (X) 2.232.341.523.97-3.85
Enterprise Value (Cr.) 306.88131.61123.37122.1342.82
EV / Net Operating Revenue (X) 1.891.001.031.030.56
EV / EBITDA (X) 13.267.898.599.03-15.00
MarketCap / Net Operating Revenue (X) 1.741.330.921.110.95
Price / BV (X) 6.305.434.466.132.98
Price / Net Operating Revenue (X) 1.741.330.921.110.95
EarningsYield 0.030.040.020.04-0.16

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Aditya Birla Money Ltd. is a Public Limited Listed company incorporated on 04/07/1995 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L65993GJ1995PLC064810 and registration number is 064810. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 468.59 Cr. and Equity Capital is Rs. 5.65 Cr. for the Year ended 31/03/2026.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsIndian Rayon Compound, Vervala Gujarat 362266Contact not found
Management
NamePosition Held
Mr. Gopi Krishna TulsianChairman & Non-Exe.Director
Mrs. Pinky A MehtaNon Executive Director
Mr. Tushar ShahNon Executive Director
Mr. Shriram JagetiyaNon Executive Director
Dr. Sethurathnam RaviIndependent Director
Mr. Sharadkumar BhatiaIndependent Director

FAQ

What is the intrinsic value of Aditya Birla Money Ltd and is it undervalued?

As of 24 June 2026, Aditya Birla Money Ltd's intrinsic value is ₹93.33, which is 25.34% lower than the current market price of ₹125.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (22.7 %), book value (₹53.1), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Aditya Birla Money Ltd?

Aditya Birla Money Ltd is trading at ₹125.00 as of 24 June 2026, with a FY2026-2027 high of ₹201 and low of ₹95.0. The stock is currently in the middle of its 52-week range. Market cap stands at ₹704 Cr..

How does Aditya Birla Money Ltd's P/E ratio compare to its industry?

Aditya Birla Money Ltd has a P/E ratio of 11.6, which is below the industry average of 41.69. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Aditya Birla Money Ltd financially healthy?

Key indicators for Aditya Birla Money Ltd: ROCE of 9.86 % is on the lower side compared to the industry average of 9.50%; ROE of 22.7 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Aditya Birla Money Ltd profitable and how is the profit trend?

Aditya Birla Money Ltd reported a net profit of ₹74 Cr in Mar 2025 on revenue of ₹453 Cr. Compared to ₹26 Cr in Mar 2022, the net profit shows an improving trend.

Does Aditya Birla Money Ltd pay dividends?

Aditya Birla Money Ltd has a dividend yield of 0.00 % at the current price of ₹125.00. The company is currently not paying meaningful dividends.

Last Updated: June 12, 2026, 4:24 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532974 | NSE: BIRLAMONEY
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Aditya Birla Money Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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