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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Aditya Birla Money Limited
BIRLAMONEY · NSEThe stock costs 49% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
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
All 11 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Aditya Birla Money Limited with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Capital Markets median · lower = cheaper
Strength profile in five axes (Snowflake)
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
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Capital Markets stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Morgan Stanley MS | $187.56 | $260.72 | +39% | vs BIRLAMONEY |
| The Charles Schwab Corporation SCHW | $93.03 | $117.60 | +26% | vs BIRLAMONEY |
| Guotai Haitong Securities Co 601211 | ¥16.21 | ¥18.02 | +11% | vs BIRLAMONEY |
| The Goldman Sachs Group GS | $910.19 | $1,009 | +11% | vs BIRLAMONEY |
| Nomura Holdings NMR | $9.51 | $10.15 | +7% | vs BIRLAMONEY |
| CITIC Securities Company 600030 | ¥25.53 | ¥20.42 | −20% | vs BIRLAMONEY |
| Robinhood Markets, Inc HOOD | $81.33 | $47.60 | −41% | vs BIRLAMONEY |
| Macquarie Group MQG | A$249.23 | A$144.90 | −42% | vs BIRLAMONEY |
| East Money Information Co 300059 | ¥18.78 | ¥6.72 | −64% | vs BIRLAMONEY |
| Interactive Brokers Group IBKR | $77.59 | $17.48 | −77% | vs BIRLAMONEY |
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Key figures of Aditya Birla Money Limited
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