Aditya Birla Money Limited (BIRLAMONEY) AI Stock Analysis

• Market Cap: ₹7.06B
• Dividend Yield: N/A
• Average Volume (3M): 21.59K
• Price to Earnings (P/E): 14.4
• Beta (1Y): 1.38
• Revenue Growth: -6.37%
• EPS Growth: -24.10%
• Country: IN
• Employees: 718
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 2.52
• Shares Outstanding: 56,509,200
• 10 Day Avg. Volume: 17,108
• 30 Day Avg. Volume: 21,593
• PEG Ratio: 0.30
• Price to Book (P/B): 3.82
• Price to Sales (P/S): 2.16
• P/FCF Ratio: -6.77
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: ₹133.00 ▼(-7.09% Downside)

Aditya Birla Money Limited's strong financial performance is offset by bearish technical indicators and cash flow challenges. The fair valuation provides some support, but the lack of dividend yield and negative market momentum weigh on the overall score.

Positive Factors

Stronger equity base and improved leverage

A larger equity base and lower leverage materially increase resilience to market shocks and reduce refinancing risk. This strengthens regulatory capital buffers, enables strategic investments in platforms and distribution, and supports long-term growth without overreliance on short-term funding.

Improving profitability and margins

Sustained margin improvement points to operational efficiency and pricing power in brokerage and distribution lines. Robust EBITDA margins enhance durable earnings capacity, fund technology and distribution spend, and provide a buffer during low-volume market periods, supporting steady cash generation.

Free cash flow trend improving

An improving free cash flow trend from negative levels indicates management is addressing cash conversion. If continued, this reduces dependence on external financing, improves funding flexibility for platform upgrades and client acquisition, and strengthens long-term financial stability.

Negative Factors

Negative operating and free cash flows

Persistent negative operating and free cash flows weaken financial flexibility and force reliance on debt or equity to fund operations. For a fee-driven brokerage, poor cash conversion hampers the ability to invest in technology, retain talent, pay shareholders, and survive prolonged low-trading environments.

Recent declines in revenue and EPS growth

Material negative revenue and EPS growth indicate weakening business momentum or margin pressure. Over several quarters this can erode competitive position, reduce funds available for reinvestment, and constrain long-term market share and profitability in a competitive capital-markets services industry.

Low trading volume / client activity

Low average trading volume suggests limited client activity and platform liquidity, constraining brokerage fee scalability. Structurally low volumes reduce the firm's ability to monetize volatility, cross-sell products, and achieve operating leverage, pressuring sustainable revenue growth and margins.

Aditya Birla Money Limited Business Overview & Revenue Model

Company Description

Aditya Birla Money Limited engages in financial services business in India. The company provides stock broking and portfolio management services, as well as depository and e-insurance repository solutions and distribution of other financial products. It also provides life, health, multiply wellness, travel, and motor insurance services. In addition, the company offers stocks and securities, mutual and pension funds, real estate investments, wealth, and portfolio management services. Further, it provides loan against securities, home, personal, mortgage, and SME finance services, as well as debt capital market and loan syndication services. Additionally, the company provides life insurance, health insurance, mutual funds, financing, stocks and securities advisors. It operates 41 branches and 1042 franchisee outlets. The company was incorporated in 1995 and is based in Chennai, India. Aditya Birla Money Limited is a subsidiary of Aditya Birla Capital Limited.

How the Company Makes Money

BIRLAMONEY generates revenue through multiple streams, primarily from brokerage fees charged on securities transactions executed through its trading platforms. The company also earns income from advisory services, including fees for portfolio management and financial planning. Additionally, revenue is generated from mutual fund distribution commissions and other financial products offered to clients. Significant partnerships with various financial institutions and technology providers enhance its service offerings and market reach, contributing positively to its earnings. The company's focus on digital transformation and customer-centric solutions further bolsters its revenue-generating capabilities.

Aditya Birla Money Limited Financial Statement Overview

Summary

Aditya Birla Money Limited shows strong revenue growth and profitability, with improved leverage and equity position. However, cash flow challenges due to negative operating and free cash flows need attention.

Income Statement

Aditya Birla Money Limited has demonstrated strong revenue growth over the years, with a notable increase in total revenue from 2020 to 2025. The gross profit margin and net profit margin have shown improvement, indicating efficient operational management and increasing profitability. EBIT and EBITDA margins are robust, suggesting strong earnings performance relative to revenue.

Balance Sheet

The balance sheet reflects a solid equity base, with stockholders' equity growing significantly from 2021 to 2025. The debt-to-equity ratio has improved, indicating better financial leverage management. The equity ratio is relatively healthy, showcasing a stable capital structure. However, the company should continue to monitor its liabilities to ensure long-term financial stability.

Cash Flow

Cash flow management appears challenging, with negative operating and free cash flows in recent years. However, there has been some improvement in free cash flow between 2024 and 2025. The operating cash flow to net income ratio suggests that cash generation from operations needs enhancement to better support net income levels.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.91B	4.18B	3.60B	2.51B	2.15B	1.77B
Gross Profit	2.33B	2.45B	1.81B	1.19B	830.40M	645.20M
EBITDA	1.87B	2.37B	1.68B	1.03B	684.11M	513.77M
Net Income	566.62M	741.91M	529.68M	339.02M	261.33M	157.84M
Balance Sheet
Total Assets	25.78B	24.71B	21.16B	13.63B	12.67B	8.83B
Cash, Cash Equivalents and Short-Term Investments	696.58M	16.42B	8.90B	5.76B	4.84B	2.81B
Total Debt	1.01B	31.86B	13.99B	16.03B	7.40B	6.64B
Total Liabilities	23.11B	22.35B	19.53B	12.54B	11.92B	8.36B
Stockholders Equity	2.68B	2.36B	1.63B	1.09B	744.33M	478.83M
Cash Flow
Free Cash Flow	0.00	-1.33B	-4.53B	-839.97M	-2.86B	-1.57B
Operating Cash Flow	0.00	-1.26B	-4.44B	-765.07M	-2.84B	-1.55B
Investing Cash Flow	0.00	-10.09M	-41.04M	-37.61M	3.24M	1.61M
Financing Cash Flow	0.00	1.73B	4.03B	1.06B	3.11B	1.27B

Aditya Birla Money Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 143.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BIRLAMONEY, the sentiment is Negative. The current price of 143.15 is above the 20-day moving average (MA) of 129.29, above the 50-day MA of 141.21, and below the 200-day MA of 164.43, indicating a bearish trend. The MACD of -6.84 indicates Positive momentum. The RSI at 32.26 is Neutral, neither overbought nor oversold. The STOCH value of 51.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BIRLAMONEY.

Aditya Birla Money Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GEOJITFSL	73 Outperform	₹18.96B	20.19	―	1.88%	-11.33%	-40.39%
SMCGLOBAL	70 Outperform	₹16.13B	16.50	―	0.70%	-5.03%	-54.73%
5PAISA	68 Neutral	₹10.79B	24.87	―	―	-25.11%	-24.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ARIHANTCAP	65 Neutral	₹8.42B	18.35	―	0.53%	-27.65%	-44.96%
BIRLAMONEY	63 Neutral	₹7.06B	14.39	―	―	-6.37%	-24.10%
THEINVEST	59 Neutral	₹5.26B	24.10	―	―	-9.21%	-48.40%

Aditya Birla Money Limited Corporate Events

Aditya Birla Money Limited Announces Strategic Financial Adjustments

Aditya Birla Money Limited’s Board of Directors approved key changes during their meeting on December 15, 2025. The board agreed to modify existing Material Related Party Transactions with its holding company, Aditya Birla Capital Limited, and proposed changes to the terms of 16,00,000 Redeemable Non-Convertible Non-Cumulative Preference Shares. These changes include extending the redemption period by one year and revising the redemption price, reflecting a strategic move to optimize financial arrangements and shareholder value.

Aditya Birla Money Limited’s Credit Rating Reaffirmed by Crisil

Aditya Birla Money Limited announced that Crisil Ratings Limited has reaffirmed its Crisil A1+ rating for the company’s commercial papers, which have an enhanced issue size of Rs. 2350 Crore, up from Rs. 2000 Crore. This reaffirmation of the highest short-term credit rating reflects the company’s strong financial position and stability, potentially boosting stakeholder confidence and reinforcing its competitive standing in the financial services sector.