Aditya Birla Capital Ltd
Aditya Birla Capital Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
NBFC portfolio expected to grow steadily, with a 21% YoY growth recorded in Q3 FY25 and continued focus on MSME segment driving 32% YoY growth in business loans. Consolidated profit after tax for the quarter stood at ₹708 crore, slightly down from ₹736 crore YoY.
From Aditya Birla Capital Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- NBFC portfolio expected to grow steadily, with a 21% YoY growth recorded in Q3 FY25 and continued focus on MSME segment driving 32% YoY growth in business loans.
- Housing Finance Company (HFC) business shows robust growth with 62% YoY increase in AUM; sustainable growth expected driven by broad segment focus including non-housing loans.
- Net Interest Income (NII) anticipated to stabilize in the 4.6%-4.7% range over the next 18-24 months amid competitive intensity.
- Operating expense ratio expected to reduce from current 2.9% to 1.6%-1.7%, improving profitability and ROA forecasted between 2%-2.1% within 18-24 months.
- Health Insurance business is expanding rapidly, with 39%-59% YoY premium growth, targeting improved net margins of 17%-18% by year-end.
2 more points management made on revenue & sales performance
Profitability & Margins
See what Aditya Birla Capital Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- The Board of Directors approved the amalgamation of Aditya Birla Finance with Aditya Birla Capital in March 2024, subject to regulatory approvals.
- The amalgamation has been approved by shareholders and application filed before NCLT Ahmedabad; expected completion by March 31, 2025.
- Investment in expanding distribution capacity, including proprietary channels and newly acquired bank partners, to increase mind share in insurance business.
- Focus on digital transformation with investments in AI/ML-driven claims auto-adjudication engine and advanced sales activity tools.
- Strengthening of the Asset Management Company's team to enhance PMS and AIF offerings in Equity and Fixed Income.
2 more points management made on capital expenditure plans
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Aditya Birla Capital Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
2 more points management made on order book & pipeline
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What Aditya Birla Cap's management said in earlier quarters
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Frequently Asked Questions
What were Aditya Birla Capital Ltd Q3 FY25 results?
NBFC portfolio expected to grow steadily, with a 21% YoY growth recorded in Q3 FY25 and continued focus on MSME segment driving 32% YoY growth in business loans. Consolidated profit after tax for the quarter stood at ₹708 crore, slightly down from ₹736 crore YoY.
What is Aditya Birla Capital Ltd share price analysis?
Aditya Birla Capital Ltd currently shows a neutral. The stock trades at a P/E of 27.3 with a market cap of ₹109,732 Cr. Investors should review the full earnings analysis for detailed insights.
Is Aditya Birla Capital Ltd planning capital expenditure?
The Board of Directors approved the amalgamation of Aditya Birla Finance with Aditya Birla Capital in March 2024, subject to regulatory approvals.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.