In , Aditya Birla Capital Ltd (Conglomerate Backed NBFC) is outperforming Nifty 500 with +5.7% relative strength. Fundamentals: Weak.
Weekly presence in the outperformers list. Green = beating Nifty 500 by 10%+ that week.
Based on Q3 FY26 earnings • Updated Feb 22, 2026
What: 51 bps YoY NIM expansion to 2.37% driven by better cost-to-income ratio and portfolio mix
Impact: +₹350 Cr revenue
“Opex to loan book improved by 51 basis points year-on-year to 2.37% in Q3 of FY26”
What: GNPA reduced 82 bps YoY to 0.95% enabling lower provisioning
Impact: +₹200 Cr revenue
“Stage two and three reduced to 95% improving by 82 basis points YoY and 15 basis points QoQ”
What: Housing Finance AUM grew 58% YoY to ₹42,204 crore with disbursements up 30% YoY
Impact: +₹500 Cr revenue
“Housing Finance segment demonstrated exceptional growth with disbursements increasing 30% year-on-year to ₹6,165.00 crore and AUM expanding 58% to ₹42,204.00 crore”
Earnings deceleration risks from management commentary
Trigger: If slippage growth continues
Impact: -20 bps margin impact
Management view: Provision of ₹229 crores increasing 109% YoY and 18% QoQ
Monitor: Fresh slippages as % of AUM
Trigger: If pricing discipline erodes
Impact: -15 bps margin impact
Management view: Not explicitly addressed in transcript
Monitor: Housing finance segment NIM
Key quotes from recent conference calls
“The opex to loan book has improved by 51 basis points year-on-year to 2.37% in Q3 of FY26 — CFO”
“Stage two and three reduced to 95% improving by 82 basis points YoY and 15 basis points QoQ — Chief Risk Officer”
“Housing Finance segment demonstrated exceptional growth with disbursements increasing 30% year-on-year to ₹6,165.00 crore and AUM expanding 58% to ₹42,204.00 crore — CEO”
“Our solvency continues to remain healthy at 210% — CFO”
Forward-looking targets from management for FY27
Revenue Growth Target
25%
Implied PAT Growth
22%
OPM Guidance
45%
Credit Growth Target
28%
NIM Guidance
2.45%
Key Milestones
• Housing Finance AUM to reach ₹55,000 cr by Q2 FY27
• Total AUM to cross ₹6.5 lakh cr by FY27
Revenue, profit and margin growth rates
| Metric | YoY | 3Y CAGR | Trend |
|---|---|---|---|
| Revenue | +10% | +15% | Stable |
| PAT (Net Profit) | +32% | -7% | Stable |
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Aditya Birla Capital Ltd's latest quarterly results (Mar 2026) show
Aditya Birla Capital Ltd's profit is growing with an stable trend.
Aditya Birla Capital Ltd's revenue growth trend is stable.
Aditya Birla Capital Ltd's asset quality trend is insufficient_data.
Aditya Birla Capital Ltd's long-term compounding rates
Aditya Birla Capital Ltd's earnings growth is stable with strong momentum on a sequential basis.
Aditya Birla Capital Ltd's trailing twelve month (TTM) performance
Aditya Birla Capital Ltd appears fairly valued based on our fair value analysis.
Aditya Birla Capital Ltd's current PE ratio is 25.0x.
Aditya Birla Capital Ltd's current PE is 25.0x.
Aditya Birla Capital Ltd's price-to-book ratio is 2.8x.
Aditya Birla Capital Ltd is rated Weak with a fundamental score of 33/100. This score is calculated from objective financial metrics
Aditya Birla Capital Ltd has a debt-to-equity ratio of N/A.
Aditya Birla Capital Ltd's return ratios over recent years
Aditya Birla Capital Ltd's operating cash flow is negative (FY2026).
Aditya Birla Capital Ltd currently does not pay a significant dividend (yield 0.00%).
Aditya Birla Capital Ltd's shareholding pattern (Mar 2026)
Aditya Birla Capital Ltd's promoter holding has decreased recently.
Aditya Birla Capital Ltd has been outperforming Nifty 500 for 1 consecutive week, indicating early-stage outperformance.
Aditya Birla Capital Ltd is an established outperformer with 1 weeks of consecutive Nifty 500 outperformance.
Aditya Birla Capital Ltd has 3 key growth catalysts identified from recent earnings analysis
Aditya Birla Capital Ltd has 2 key risks worth monitoring
In Q3 FY26, Aditya Birla Capital Ltd's management highlighted
Aditya Birla Capital Ltd's management has provided the following forward guidance for FY27
Based on quantitative research signals, here is why Aditya Birla Capital Ltd may be worth studying
Aditya Birla Capital Ltd investment thesis summary:
Aditya Birla Capital Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
