Aditya Birla Money Limited (IN:BIRLAMONEY)
:BIRLAMONEY
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Aditya Birla Money Limited
(BIRLAMONEY)
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Rating:59Neutral
Price Target:
₹157.00
▲(9.68% Upside)
Action:DowngradedDate:04/21/26
The score is held back primarily by balance-sheet risk from very high leverage and softer 2026 profitability versus 2025, despite strong revenue growth and a major improvement in operating/free cash flow. Technicals are supportive with the stock trading above key moving averages, while valuation appears moderate based on the provided P/E.
Positive Factors
Improved cash generation
The shift to positive operating and free cash flow in 2026 reflects stronger internal funding capacity and higher earnings quality. Durable cash generation reduces reliance on external financing, supports reinvestment or deleveraging, and improves the company’s ability to withstand capital markets slowdowns over the next several quarters.
Negative Factors
Very high leverage remains
Despite improvement, an elevated debt-to-equity ratio leaves the company highly sensitive to funding costs and market liquidity. High leverage constrains strategic optionality, increases default and refinancing risk in stressed markets, and can amplify earnings volatility over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved cash generation
The shift to positive operating and free cash flow in 2026 reflects stronger internal funding capacity and higher earnings quality. Durable cash generation reduces reliance on external financing, supports reinvestment or deleveraging, and improves the company’s ability to withstand capital markets slowdowns over the next several quarters.
Read all positive factors
Aditya Birla Money Limited (BIRLAMONEY) vs. iShares MSCI India ETF (INDA)
Market Cap
₹8.32B
Dividend YieldN/A
Average Volume (3M)21.59K
Price to Earnings (P/E)9.3
Beta (1Y)1.59
Revenue Growth2.33%
EPS Growth-21.22%
CountryIN
Employees718
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)3.31
Shares Outstanding56,509,200
10 Day Avg. Volume17,108
30 Day Avg. Volume21,593
Financial Highlights & Ratios
PEG Ratio-0.44
Price to Book (P/B)1.82
Price to Sales (P/S)1.15
P/FCF Ratio2.63
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 produc...
How the Company Makes Money
Aditya Birla Money Limited primarily makes money by earning fees and commissions linked to client participation in capital markets. Key revenue streams include: (1) brokerage income from executing client trades in securities (and other market inst...
Aditya Birla Money Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
41
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.91B | 4.73B | 4.18B | 3.60B | 2.51B | 2.15B |
| Gross Profit | 2.33B | 2.39B | 2.45B | 1.81B | 1.19B | 830.40M |
| EBITDA | 1.87B | 904.53M | 2.37B | 1.68B | 1.03B | 684.11M |
| Net Income | 566.62M | 584.76M | 741.91M | 529.68M | 339.02M | 261.33M |
Balance Sheet | ||||||
| Total Assets | 25.78B | 34.66B | 24.71B | 21.16B | 13.63B | 12.67B |
| Cash, Cash Equivalents and Short-Term Investments | 696.58M | 11.66B | 16.42B | 8.90B | 5.76B | 4.84B |
| Total Debt | 1.01B | 22.06B | 31.86B | 13.99B | 16.03B | 7.40B |
| Total Liabilities | 23.11B | 31.66B | 22.35B | 19.53B | 12.54B | 11.92B |
| Stockholders Equity | 2.68B | 3.00B | 2.36B | 1.63B | 1.09B | 744.33M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.08B | -1.33B | -4.53B | -839.97M | -2.86B |
| Operating Cash Flow | 0.00 | 2.15B | -1.26B | -4.44B | -765.07M | -2.84B |
| Investing Cash Flow | 0.00 | -4.32B | -10.09M | -41.04M | -37.61M | 3.24M |
| Financing Cash Flow | 0.00 | 4.87B | 1.73B | 4.03B | 1.06B | 3.11B |
Aditya Birla Money Limited Technical Analysis
Positive
143.15
Price Trends
124.79
Positive
133.80
Positive
154.24
Negative
Market Momentum
4.18
Negative
68.88
Neutral
91.87
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BIRLAMONEY, the sentiment is Positive. The current price of 143.15 is above the 20-day moving average (MA) of 117.90, above the 50-day MA of 124.79, and below the 200-day MA of 154.24, indicating a neutral trend. The MACD of 4.18 indicates Negative momentum. The RSI at 68.88 is Neutral, neither overbought nor oversold. The STOCH value of 91.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:BIRLAMONEY.
Aditya Birla Money Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹10.53B | 21.20 | ― | ― | -23.80% | -32.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹14.20B | 15.62 | ― | 0.70% | -4.47% | -59.29% | |
64 Neutral | ₹17.99B | 40.70 | ― | 1.88% | -14.93% | -51.92% | |
59 Neutral | ₹8.32B | 9.35 | ― | ― | 2.33% | -21.22% | |
59 Neutral | ₹5.60B | 13.06 | ― | ― | -4.98% | -26.33% | |
58 Neutral | ₹7.68B | 45.88 | ― | 0.53% | -23.04% | -49.08% |
* Financial Sector Average
IN:BIRLAMONEY
Aditya Birla Money Limited
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Aditya Birla Money Limited Corporate Events
Aditya Birla Money Names Amit Lahoti Head of Equity Research
Apr 17, 2026
Aditya Birla Money Limited has strengthened its senior management bench by appointing seasoned equity research professional Amit Lahoti as Head – Equity Research, effective April 17, 2026. Lahoti, who brings over 15 years of experience acros...
Aditya Birla Money Settles SEBI Probe on Algo Platform Associations
Mar 21, 2026
Aditya Birla Money Limited has disclosed that India’s securities regulator SEBI has passed a settlement order under its 2025 scheme concerning associations with certain algorithmic trading platforms. The order follows an investigation into w...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.