Aditya Birla Capital Limited Earnings Summary — Q1 FY2027
Aditya Birla Capital Delivers 40% PAT Growth and Crosses 2.19 Lakh Crore Lending Portfolio
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue declined 9.5% sequentially in Q1 FY2027.
- Revenue of ₹12,180 Cr is 28.2% higher year-on-year.
- Revenue has compounded at 5.6% annualised over the last 10 quarters.
- Net profit of ₹1,175 Cr is 40.1% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at -2.6% annualised across the period.
- Operating margin stands at 40.7% in Q1 FY2027.
- Operating margin expanded by 19 bps year-on-year.
- Over the last two years operating margin has expanded by 364 bps.
- PBT margin is 13.5%.
- Expense growth of 27.7% remained below revenue growth of 28.2%.
- Operating profit of ₹4,959 Cr is 28.8% higher year-on-year.
- Operating leverage continues to improve.
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 74/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Stable | 12,180 | 13,459 | 11,952 | 10,595 | 9,503 | 12,214 | 9,381 | 10,322 | 8,673 | 10,780 |
| Expenses | Stable | 7,221 | 8,924 | 7,645 | 6,594 | 5,652 | 8,419 | 5,876 | 6,604 | 5,458 | 7,182 |
| Operating Profit | Improving | 4,959 | 4,535 | 4,307 | 4,001 | 3,850 | 3,795 | 3,505 | 3,718 | 3,215 | 3,598 |
| Operating Margin | Improving | 40.7% | 33.7% | 36.0% | 37.8% | 40.5% | 31.1% | 37.4% | 36.0% | 37.1% | 33.4% |
| Other Income | Volatile | 153 | 89 | 72 | 92 | 139 | 219 | 85 | 124 | 150 | 183 |
| Interest | Improving | 3,390 | 3,101 | 2,981 | 2,804 | 2,736 | 2,585 | 2,496 | 2,369 | 2,244 | 2,122 |
| Depreciation | Improving | 82 | 82 | 76 | 77 | 71 | 68 | 64 | 60 | 54 | 52 |
| Profit Before Tax | Stable | 1,641 | 1,441 | 1,322 | 1,212 | 1,182 | 1,361 | 1,030 | 1,413 | 1,067 | 1,606 |
| Tax | Improving | 417 | 395 | 356 | 329 | 328 | 475 | 306 | 392 | 288 | 318 |
| Net Profit | Accelerating | 1,175 | 1,011 | 945 | 855 | 839 | 865 | 708 | 1,001 | 759 | 1,245 |
| Net Margin | Stable | 9.6% | 7.5% | 7.9% | 8.1% | 8.8% | 7.1% | 7.5% | 9.7% | 8.8% | 11.6% |
Key Takeaways
- Consolidated Profit after Tax (PAT) increased by 40% year-on-year to ₹1,175 crore.
- The overall lending portfolio (NBFC and HFC) grew 32% year-on-year to reach ₹2,19,289 crore.
- Successfully raised ₹4,000 crore in equity growth capital via preferential allotment to Promoters and IFC.
- Housing Finance (HFC) AUM showed exceptional growth of 50% year-on-year, crossing the ₹50,000 crore milestone.
- Health Insurance business gross written premium surged by 50% year-on-year with market share rising to 16.2%.
- Digital adoption is scaling rapidly, with the ABCD D2C platform reaching 1.2 crore customer acquisitions.
- Net Value of New Business (VNB) margin for the Life Insurance segment improved significantly by 756 bps to 15.1%.
Management Guidance
Management is focused on driving penetration into Tier 3 and Tier 4 towns, leveraging the 'ABCD' and 'Udyog Plus' digital platforms to enable seamless customer onboarding and scaling the lending portfolio utilizing the recently raised ₹4,000 crore capital.
Sentiment Shift
Improving
Acceleration in PAT growth (40%) and robust AUM growth across HFC and Health Insurance segments, coupled with a successful large-scale capital raise, indicates strengthening momentum.
Outlook
The company is positioned for continued aggressive scaling with a fresh capital base, focusing on high-growth segments like MSME lending via Udyog Plus and expanding its physical branch footprint to 1,759 locations to capture rural demand.
From the Annual Report (Key Quotes)
“Strong Earnings Growth across Businesses with Robust Asset Quality.”
“Total AUM (AMC, life insurance and health insurance) grew by 36% year-on-year to ₹ 7,52,745 crore.”
“Raised equity growth capital of 4,000 crore via preferential allotment from Promoters and International Finance Corporation.”
Official Quarterly Documents
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This summary is AI-generated from Aditya Birla Capital Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.