Aditya Birla Capital Limited (ABCAPITAL) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Aditya Birla Capital Limited stock ₹218, price ₹396, that is 45.0% below the price, quality 43 out of 100. Rating: strongly overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range ₹87.35 – ₹424.70 · fair‑value band ₹134.06 – ₹686.82 · the ₹396.10 price screens above the ₹217.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Aditya Birla Capital Limited, through its subsidiaries, provides various financial products and services in India and internationally.
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It operates through NBFC, Housing Finance, Life Insurance, Asset Management, General Insurance Broking, Stock and Securities Broking, Health Insurance, and Other Financial Services segments.
The company offers housing loans, such as home extension, renovation, construction, plot and construction, lease rental discounting, and commercial property loans, as well as loan against property; personal and consumer, flexi, secured, unsecured business loan, and corporate loans; gold loan; and SME loans, including line of credit, working capital, and supply chain financing solutions.
It also provides loan against shares, mutual funds, life insurance policies, IPO financings, and promoter fundings. Further, it offers corporate financing, such as project financing and term loans.
In addition, it provides life insurance, such as term, retirement, saving, ULIP, children future, wealth protection, group life, general, and pension solutions; health and wellness, and super top-up health insurance plans; and motor insurance comprising bike and car insurances; and travel insurances.
Further, the company offers pocket insurance, including eye, dental, hospicash, mental health and nutrition, and personal accident insurance. Additionally, it provides payment solutions and credit card products.
The company also provides investment solutions in mutual funds, such as debt, equity, hybrid, retirement, exchange traded, fund of funds, and index funds; stock and securities, including equity, margin trading facilities, and bonds; fixed deposits; digital gold and silver; and tax planning.
The company was incorporated in 2007 and is based in Mumbai, India. Aditya Birla Capital Limited is a subsidiary of Grasim Industries Limited.
Stock analysis
Aditya Birla Capital Limited (ABCAPITAL) currently trades at ₹396.10, while our model-based Fair Value estimate is ₹217.72, 45% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹481.22 per share, and 4 of the 10 models we run sit above the ₹396.10 price.
Bear case: the Asset-Based group reads lowest at ₹81.49, and 6 of the 10 models stay below the price. Data coverage for this calculation is medium.
Scenario range: ₹134.06 (bear) to ₹686.82 (bull), the price of ₹396.10 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 43/100 (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 Capital Limited reported revenue of ₹456B in FY2026 versus ₹88.0B in FY2022, a compound +50.9%/yr. Reported net income was ₹37.6B in FY2026, compounding +21.9%/yr from FY2022.
Key figures
Market cap ₹1.0T (≈ $11.1B) Large · P/E ratio 23.4 · P/S ratio 2.83 · EPS (TTM) ₹16.91 · Net margin 12.0% · Return on equity 11.4% · Return on assets (EBIT) 2.1% · Operating margin 17.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −5% fair-value upside, at −45%, ABCAPITAL screens richer than that median.
Fair Value models
Bear₹134.06Fair Value ₹217.72Bull₹686.82
Price ₹396.10 · Downside -45.0%
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 (₹10.19 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.
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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+118.3%
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.
+56.7%
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.
+40.8%
Start year 2021 (pandemic). Over 10 years: +28.9% a year
Revenue growth 11 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.
+29.5%
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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.
+25.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.0%
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.25.0% vs 23.5%, steady
Profit margin 2020 to 2025 ⓘ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% → 23%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+25.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+10.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +20.5% a year for the price and +5.8% for the forecasts.
Compare Aditya Birla Capital Limited with another stock
Price, fair value, quality and upside side by side.
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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.Financial Conglomerates · 49 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score43 · Bottom 25%
Fair Value upside−45.0% · Below median
Profitability
Return on equity (12 months)11.4% · Above median
Return on assets1.1% · Below median
Net margin (12 months)12.0% · Below median
Operating margin (12 months)17.1% · Below median
Growth and dividend
Revenue growth (quarter YoY)36.6% · Top 25%
Balance sheet
Debt / equity5.20× · Highest 25%
Valuation Multiplesvs Financial Conglomerates median · lower = cheaper
P/E (12 months)23.4× · Pricier than median
P/B3.04× · Priciest 25%
P/S (12 months)2.83× · Cheaper than median
Price / free cash flow13.6× · Pricier than median
EV/EBITDA48.8× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 34
FUTURE (revenue growth)100· sector 71
PAST (return on equity)46· sector 43
HEALTH (low debt)0· sector 84
DIVIDEND (yield)0· sector 63
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Aditya Birla Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/ABCAPITAL
Frequently asked questions
Is Aditya Birla Capital Limited (ABCAPITAL) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of ₹217.72 versus a price of ₹396.10, about 45% lower (overvalued).
What is the fair value of ABCAPITAL?
Our model-based fair value for Aditya Birla Capital Limited is ₹217.72 (as of Nov 5, 2026), built from audited fundamentals. The current price: ₹396.10.
What is the quality score of ABCAPITAL?
Aditya Birla Capital Limited has a Quality Score of 43/100. 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 Capital Limited (ABCAPITAL)?
Our model-based price target is the fair value of ₹217.72 (as of Nov 5, 2026) from 11 valuation models. Cautious scenario ₹134.06, optimistic scenario ₹686.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Aditya Birla Capital Limited stock forecast for 2026?
Our models put fair value at ₹217.72, about 45% lower versus a price of ₹396.10 (overvalued). Cautious scenario ₹134.06, optimistic scenario ₹686.82. The calculation is refreshed regularly with new filings.
What is the revenue of Aditya Birla Capital Limited (ABCAPITAL)?
Aditya Birla Capital Limited reported trailing-twelve-month revenue of about ₹370B (latest available figure, as of Nov 5, 2026).
What growth is priced into Aditya Birla Capital Limited (ABCAPITAL)?
For today's price to be fair in a discounted-cash-flow model, Aditya Birla Capital Limited would have to grow free cash flow by +25.5 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +40.8 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of ABCAPITAL use?
Our models discount Aditya Birla Capital Limited at 11.1 %: a base by market capitalisation (large), damped by beta 0.74, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Aditya Birla Capital Limited that is +25.5 % per year a year over ten years, using the same discount rate (11.1 %) and the same formula as our fair value.
How much growth has Aditya Birla Capital Limited (ABCAPITAL) delivered so far?
Over the past 5 years revenue at Aditya Birla Capital Limited grew +40.8 % a year. The price currently implies +25.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Aditya Birla Capital Limited (ABCAPITAL) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Aditya Birla Capital Limited (+25.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Aditya Birla Capital Limited (ABCAPITAL)?
The free-cash-flow yield on the price is 7.37 %: that much free cash flow Aditya Birla Capital Limited produces per unit of market value. When it exceeds the discount rate of our models (11.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Aditya Birla Capital Limited (ABCAPITAL)?
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 Capital Limited it is ₹217.72 per share (as of Nov 5, 2026), against a price of ₹396.10. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Aditya Birla Capital Limited stock overvalued or undervalued in 2026?
As of Nov 5, 2026, ABCAPITAL trades above its calculated fair value: price ₹396.10, fair value ₹217.72, a gap of about −45% (overvalued). 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 ABCAPITAL?
No. The price is what the market pays today (₹396.10); the fair value is what the company's own numbers justify (₹217.72). For Aditya Birla Capital Limited the two are ₹178.38 per share apart. That gap is exactly why we show both numbers side by side.
How much is Aditya Birla Capital Limited worth?
The market values Aditya Birla Capital Limited at about ₹1.0T (market capitalisation, as of Nov 5, 2026). Per share that is ₹396.10; our models calculate a fair value of ₹217.72 per share.
What do the bullish and bearish scenarios say about ABCAPITAL?
Our models span a range for Aditya Birla Capital Limited: cautious scenario ₹134.06, base ₹217.72, optimistic ₹686.82 per share (as of Nov 5, 2026, price ₹396.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ABCAPITAL?
Aditya Birla Capital Limited trades at a price-to-earnings ratio of 23.4 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹217.72 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2018 to 2026), reported earnings: 15.3. Other multiples: P/B 3.0, P/S 2.8, EV/EBITDA 48.8.
How solid is the balance sheet of Aditya Birla Capital Limited (ABCAPITAL)?
Balance-sheet figures for Aditya Birla Capital Limited (as of Nov 5, 2026): return on equity 11.4%, debt of 5.20 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is ABCAPITAL from its 52-week high?
Aditya Birla Capital Limited trades at ₹396.10, about 7% below its 52-week high of ₹424.70 and 36% above the low of ₹292.25 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of ₹217.72 is for.
Which stocks are comparable to Aditya Birla Capital Limited?
From the same area (Financial Services) we also value ORIX Corporation, Bajaj Finserv Ltd, China Galaxy Securities Co, Guosen Securities Co, 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 Capital Limited stock attractive at the current price?
The data as of Nov 5, 2026: price ₹396.10, calculated fair value ₹217.72 (−45%), Quality Score 43/100, 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 ABCAPITAL calculated?
We run Aditya Birla Capital Limited through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹217.72, 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 15.5% above its aggregate fair value. Aditya Birla Capital Limited itself currently trades above fair value. 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 Capital Limited (ABCAPITAL)?
The closing price on Nov 5, 2026 was ₹396.10. Our model-based fair value is ₹217.72, about 45% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aditya Birla Capital Limited right now?
Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (₹134.06 to ₹686.82). 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 Capital Limited (ABCAPITAL) come from?
Earnings per share at Aditya Birla Capital Limited grew +25.3 % a year from 2015 to 2026. Broken into its drivers: revenue per share +21.6 %, EBIT margin −7.6 %, tax rate +3.0 %, residual (interest, one-offs) +8.3 %. 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 Capital Limited
How large is the market capitalisation of Aditya Birla Capital Limited (ABCAPITAL)?
The market capitalisation of Aditya Birla Capital Limited is ₹1.0T (≈ $11.1B). 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 Capital Limited (ABCAPITAL)?
The price-to-sales ratio of Aditya Birla Capital Limited is 2.83 (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 Capital Limited (ABCAPITAL)?
Earnings per share at Aditya Birla Capital Limited are ₹16.91 (price ÷ EPS = P/E 23.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Aditya Birla Capital Limited (ABCAPITAL)?
The net margin of Aditya Birla Capital Limited is 12.0% (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 Capital Limited (ABCAPITAL)?
The return on equity (ROE) of Aditya Birla Capital Limited is 11.4% (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 Capital Limited (ABCAPITAL)?
On an EBIT basis the return on assets of Aditya Birla Capital Limited is 2.1% (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 Capital Limited (ABCAPITAL)?
The operating margin of Aditya Birla Capital Limited is 17.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aditya Birla Capital Limited (ABCAPITAL)?
Revenue at Aditya Birla Capital Limited is growing +36.6% versus a year earlier (3y avg +56.7%). 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 Capital Limited (ABCAPITAL)?
Earnings per share at Aditya Birla Capital Limited are growing +43.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Aditya Birla Capital Limited (ABCAPITAL) carry?
The net debt of Aditya Birla Capital Limited is ₹1.7T (fiscal year 2026, ≈ 22.6 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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Nov 5, 2026