Aditya Birla Money Limited (BIRLAMONEY) AI Stock Analysis

• Market Cap: ₹9.07B
• Dividend Yield: N/A
• Average Volume (3M): 21.59K
• Price to Earnings (P/E): 16.0
• Beta (1Y): 1.24
• Revenue Growth: -6.37%
• EPS Growth: -24.10%
• Country: IN
• Employees: 718
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 1.79
• 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: ₹198.00
• Price Target Upside: 23.36% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: ₹198.00 ▲(23.36% Upside)

Aditya Birla Money Limited demonstrates strong financial performance with robust revenue growth and profitability. However, cash flow challenges and neutral technical indicators slightly offset these strengths. The stock's reasonable valuation further supports its overall positive outlook.

Aditya Birla Money Limited Business Overview & Revenue Model

Company Description

Aditya Birla Money Limited (BIRLAMONEY) is a comprehensive financial services company based in India, operating under the umbrella of the Aditya Birla Group. The company provides a wide range of investment and trading solutions, including securities and commodities broking, portfolio management services, and distribution of financial products. It caters to both retail and institutional clients, offering a platform for online trading of equities, derivatives, and other financial instruments.

How the Company Makes Money

Aditya Birla Money Limited generates revenue primarily through brokerage fees and commissions earned on transactions executed by its clients in the securities and commodities markets. The company charges fees for trading services provided via its online and offline platforms. Additionally, it earns income from distribution of financial products such as mutual funds, insurance, and initial public offerings (IPOs). The company also benefits from interest income on client funding and margin lending services. Strategic partnerships with banks and financial institutions further enhance its service offerings and contribute to its revenue streams.

Aditya Birla Money Limited Financial Statement Overview

Summary

Aditya Birla Money Limited exhibits strong revenue growth and profitability as reflected in its income statement, while the balance sheet displays improved leverage and equity position. However, cash flow challenges persist, primarily due to negative operating and free cash flows. The company should focus on improving its cash flow generation to complement its strong financial performance in other areas.

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	3.79B	4.18B	4.01B	2.84B	2.15B	1.77B
Gross Profit	2.41B	2.45B	3.07B	2.29B	1.70B	1.22B
EBITDA	2.38B	2.37B	1.69B	1.09B	704.92M	531.10M
Net Income	732.04M	741.91M	529.68M	339.02M	261.33M	157.84M
Balance Sheet
Total Assets	0.00	24.71B	21.16B	13.63B	12.67B	8.83B
Cash, Cash Equivalents and Short-Term Investments	0.00	9.93B	8.90B	5.65B	4.84B	236.45M
Total Debt	0.00	17.03B	13.99B	9.00B	7.40B	3.97B
Total Liabilities	-2.36B	22.35B	19.53B	12.54B	11.92B	8.36B
Stockholders Equity	2.36B	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: 160.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 160.5 is below the 20-day moving average (MA) of 171.99, below the 50-day MA of 175.51, and below the 200-day MA of 176.24, indicating a bearish trend. The MACD of -4.18 indicates Positive momentum. The RSI at 32.12 is Neutral, neither overbought nor oversold. The STOCH value of 19.47 is Positive, 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	₹22.03B	14.28	―	1.90%	4.68%	-12.79%
BIRLAMONEY	72 Outperform	₹9.07B	16.01	―	―	-6.37%	-24.10%
ARIHANTCAP	72 Outperform	₹10.38B	19.73	―	0.50%	-14.90%	-32.34%
SMCGLOBAL	72 Outperform	₹14.09B	11.51	―	1.78%	-1.20%	-41.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
THEINVEST	65 Neutral	₹7.30B	18.58	―	―	14.93%	21.86%
5PAISA	63 Neutral	₹9.78B	20.69	―	―	-25.11%	-24.87%