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Aditya Birla Money Limited (BIRLAMONEY) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Aditya Birla Money Limited stock ₹223, price ₹114, upside +96.4%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN · ISIN INE865C01022

AB Aditya Birla Money Limited logo Broad data Nov 7, 2026

Aditya Birla Money Limited

BIRLAMONEY · NSE
Cheap, value-trap risk

The stock costs 49% less than our calculation considers fair.

Fair value ₹223.40 · Strongly undervalued
Healthy Growth (revenue 5y +21.7 %/yr in INR)
Solidly profitable · 15.4% net margin (TTM)
Ranks above peers (8/13)
Broad data
Revenue last quarter +19% vs. a year ago.
Quality 48/100
Moderate moat 54/100
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹294.76 ₹44.20 Fair Value ₹223.40 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range ₹44.20 – ₹294.76 · fair‑value band ₹77.15 – ₹313.56 · the ₹113.72 price screens below the ₹223.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.

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Company profile

Aditya Birla Money Limited provides financial services in India. It operates through Broking, Whole Debt Market, and Others segment.

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The company offers stock and commodity broking, portfolio management, depository, and e-insurance repository solutions; distributes other financial products; and invests in stocks, mutual funds, and initial public offerings (IPOs). It is also involved in equity and derivative trading through NSE and BSE; currency derivative through MCX-SX; and commodities trading through MCX and NCDEX, as well as margin funding activities.

In addition, the company provides Elevate app, a trading platform and investing app; Elevate web, a web trading platform for trading and updates; Open Store API for various financial products; Mutual Funds Platform, a mutual fund interface; and Express Trade, a desktop trading application.

Further, it distributes life and health insurance, mutual funds, and loan products; and offers home, business, and personal loans, as well as investment products in debt securities, initial public offerings (IPOs), national pension system, ETF, sovereign gold bonds, and equity SIP. The company was incorporated in 1995 and is based in Chennai, India.

Aditya Birla Money Limited is a subsidiary of Aditya Birla Capital Limited.

Stock analysis

Aditya Birla Money Limited (BIRLAMONEY) currently trades at ₹113.72, while our model-based Fair Value estimate is ₹223.40, implying the stock looks roughly 49% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of ₹338.41 per share, and 8 of the 11 models we run sit above the ₹113.72 price.

Bear case: the Economic Profit group reads lowest at ₹65.31, and 3 of the 11 models stay below the price. Data coverage for this calculation is high.

Scenario range: ₹77.15 (bear) to ₹313.56 (bull), the price of ₹113.72 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Aditya Birla Money Limited reported revenue of ₹4.7B in FY2026 versus ₹2.1B in FY2022, a compound +21.9%/yr. Reported net income was ₹585M in FY2026, compounding +22.3%/yr from FY2022.

Key figures

Market cap ₹6.4B (≈ $68.4M) Micro · P/E ratio 11.7 · P/S ratio 1.80 · EPS (TTM) ₹9.73 · Net margin 15.4% · Return on equity 18.6% · Return on assets (EBIT) 4.9% (5-year average) · Operating margin 16.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (medium confidence).

What moves the price

The share trades about 28% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 7% fair-value upside, at 96%, BIRLAMONEY screens cheaper than that median.

Fair Value models

Bear ₹77.15 Fair Value ₹223.40 Bull ₹313.56
Price ₹113.72 · Upside +96.4%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹6.00 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF ₹258.38 ₹398.50 ₹585.46 77
Owner Earnings ₹260.00 ₹426.31 ₹670.12 75
Rev-Margin DCF ₹178.15 ₹278.31 ₹413.76 72
All 11 models by family
DCF Models
Owner Earnings ₹260.00 ₹426.31 ₹670.12 75
5Y P/E Exit ₹165.17 ₹249.77 ₹344.03 70
10Y P/E Exit ₹205.39 ₹292.16 ₹410.07 64
Earnings-Based
Graham-Dodd ₹70.37 ₹377.61 ₹523.22 63
Lynch FV ₹104.38 ₹149.12 ₹193.85 61
Multiples
P/E Multiple ₹100.89 ₹134.52 ₹168.16 63
P/B Multiple ₹54.98 ₹73.31 ₹91.63 55
Asset-Based
NCAV (Graham) ₹9.04 ₹13.70 ₹17.13 54
Growth DCF
Growth DCF ₹258.38 ₹398.50 ₹585.46 77
Rev-Margin DCF ₹178.15 ₹278.31 ₹413.76 72
Economic Profit
Residual Income ₹51.27 ₹65.31 ₹95.53 70

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Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 26
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 9
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 73
How calm the share price moves, does not count
Price momentum 17
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 15
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+13.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.7%
Start year 2021 (pandemic). Over 10 years: +14.7% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.1%
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+29.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.9%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.29.9% vs 25.5%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 18%
Pace: the 5-year rate starts in 2021 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 455 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +96.4% · Top 25%
Profitability
Return on equity (12 months) 18.6% · Top 25%
Return on assets 1.7% · Above median
Net margin (12 months) 15.4% · Below median
Operating margin (12 months) 16.8% · Below median
Growth and dividend
Revenue growth (quarter YoY) 19.0% · Above median
Balance sheet
Debt / equity 0.33× · Above median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (12 months) 11.7× · Cheaper than median
P/B 2.14× · Pricier than median
P/S (12 months) 1.80× · Cheaper than median
Price / free cash flow (fiscal year) 3.1× · Cheapest 25%
EV/EBITDA 7.1× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 33
FUTURE (revenue growth)95 · sector 58
PAST (return on equity)74 · sector 32
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 46

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Aditya Birla Money Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Aditya Birla Money Limited Fair Value". https://www.fairvalue-calculator.com/stock/BIRLAMONEY

Frequently asked questions

Is Aditya Birla Money Limited (BIRLAMONEY) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of ₹223.40 versus a price of ₹113.72, about +96% upside (undervalued).
What is the fair value of BIRLAMONEY?
Our model-based fair value for Aditya Birla Money Limited is ₹223.40 (as of Nov 7, 2026), built from audited fundamentals. The current price: ₹113.72.
What is the quality score of BIRLAMONEY?
Aditya Birla Money Limited has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Aditya Birla Money Limited (BIRLAMONEY)?
Our model-based price target is the fair value of ₹223.40 (as of Nov 7, 2026) from 11 valuation models. Cautious scenario ₹77.15, optimistic scenario ₹313.56. It is a calculation from audited fundamentals, not an analyst target.
What is the Aditya Birla Money Limited stock forecast for 2026?
Our models put fair value at ₹223.40, about +96% upside versus a price of ₹113.72 (undervalued). Cautious scenario ₹77.15, optimistic scenario ₹313.56. The calculation is refreshed regularly with new filings.
What is the revenue of Aditya Birla Money Limited (BIRLAMONEY)?
Aditya Birla Money Limited reported trailing-twelve-month revenue of about ₹3.6B (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Aditya Birla Money Limited (BIRLAMONEY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aditya Birla Money Limited it is ₹223.40 per share (as of Nov 7, 2026), against a price of ₹113.72. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Aditya Birla Money Limited stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BIRLAMONEY trades below its calculated fair value: price ₹113.72, fair value ₹223.40, a gap of about +96% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BIRLAMONEY?
No. The price is what the market pays today (₹113.72); the fair value is what the company's own numbers justify (₹223.40). For Aditya Birla Money Limited the two are ₹109.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is Aditya Birla Money Limited worth?
The market values Aditya Birla Money Limited at about ₹6.4B (market capitalisation, as of Nov 7, 2026). Per share that is ₹113.72; our models calculate a fair value of ₹223.40 per share.
What do the bullish and bearish scenarios say about BIRLAMONEY?
Our models span a range for Aditya Birla Money Limited: cautious scenario ₹77.15, base ₹223.40, optimistic ₹313.56 per share (as of Nov 7, 2026, price ₹113.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BIRLAMONEY?
Aditya Birla Money Limited trades at a price-to-earnings ratio of 11.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹223.40 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 12.7. Other multiples: P/B 2.1, P/S 1.8, EV/EBITDA 7.1.
How solid is the balance sheet of Aditya Birla Money Limited (BIRLAMONEY)?
Balance-sheet figures for Aditya Birla Money Limited (as of Nov 7, 2026): return on equity 18.6%, debt of 0.33 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is BIRLAMONEY from its 52-week high?
Aditya Birla Money Limited trades at ₹113.72, about 28% below its 52-week high of ₹158.52 and 18% above the low of ₹96.73 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹223.40 is for.
Which stocks are comparable to Aditya Birla Money Limited?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Aditya Birla Money Limited stock attractive at the current price?
The data as of Nov 7, 2026: price ₹113.72, calculated fair value ₹223.40 (+96%), Quality Score 48/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BIRLAMONEY calculated?
We run Aditya Birla Money Limited through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹223.40 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Aditya Birla Money Limited currently trades 49% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Aditya Birla Money Limited (BIRLAMONEY)?
The closing price on Nov 9, 2026 was ₹113.72. Our model-based fair value is ₹223.40, about +96% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aditya Birla Money Limited right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (₹77.15 to ₹313.56). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Aditya Birla Money Limited (BIRLAMONEY) come from?
Earnings per share at Aditya Birla Money Limited grew +30.6 % a year from 2015 to 2026. Broken into its drivers: revenue per share +15.2 %, EBIT margin +16.1 %, tax rate −2.5 %, residual (interest, one-offs) +0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Aditya Birla Money Limited

How large is the market capitalisation of Aditya Birla Money Limited (BIRLAMONEY)?
The market capitalisation of Aditya Birla Money Limited is ₹6.4B (≈ $68.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Aditya Birla Money Limited (BIRLAMONEY)?
The price-to-sales ratio of Aditya Birla Money Limited is 1.80 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aditya Birla Money Limited (BIRLAMONEY)?
Earnings per share at Aditya Birla Money Limited are ₹9.73 (price ÷ EPS = P/E 11.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Aditya Birla Money Limited (BIRLAMONEY)?
The net margin of Aditya Birla Money Limited is 15.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Aditya Birla Money Limited (BIRLAMONEY)?
The return on equity (ROE) of Aditya Birla Money Limited is 18.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Aditya Birla Money Limited (BIRLAMONEY)?
On an EBIT basis the return on assets of Aditya Birla Money Limited is 4.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Aditya Birla Money Limited (BIRLAMONEY)?
The operating margin of Aditya Birla Money Limited is 16.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aditya Birla Money Limited (BIRLAMONEY)?
Revenue at Aditya Birla Money Limited is growing +19.0% versus a year earlier (3y avg +23.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Aditya Birla Money Limited (BIRLAMONEY)?
Earnings per share at Aditya Birla Money Limited are growing +7.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Aditya Birla Money Limited (BIRLAMONEY) generate?
The free cash flow of Aditya Birla Money Limited is ₹2.1B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Aditya Birla Money Limited (BIRLAMONEY) carry?
The net debt of Aditya Birla Money Limited is ₹20.0B (fiscal year 2026, ≈ 9.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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