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Aditya Birla Capital
Aditya Birla Capital (ABCAPITAL) investor relations material
Aditya Birla Capital Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary4 May, 2026
Executive summary
Consolidated profit after tax (excluding one-offs) rose 30% year-on-year to INR 1,124 crore in Q4 FY26; full-year profit up 21% to INR 3,797 crore, with consolidated revenue up 14% to INR 53,871 crore.
Total lending portfolio grew 32% year-on-year to INR 2,07,368 crore, and total AUM increased 16% to INR 5,91,343 crore.
Strong growth across NBFC, HFC, insurance, and asset management businesses, with market share gains and improved profitability.
Equity fundraise of INR 2,750 crore in housing finance from Advent International completed in April 2026.
Strong digital adoption and AI integration across business lines enhanced productivity, customer engagement, and operational efficiency.
Financial highlights
NBFC disbursements up 28% year-on-year to INR 24,950 crore in Q4 FY26; HFC disbursements up 37% to INR 7,980 crore; NBFC AUM up 27% to INR 1,59,916 crore; HFC AUM up 53% to INR 47,452 crore.
Life insurance individual first year premium up 15% year-on-year; net VNB margin expanded to 20.6%.
Health insurance gross written premium up 39% year-on-year to INR 6,855 crore; market share increased to 13.7%.
AMC quarterly average mutual fund AUM up 14% year-on-year to INR 4,35,866 crore; operating profit up 11% to INR 1,051 crore.
Standalone profit after tax for FY26 was INR 3,109 crore; standalone revenue from operations was INR 17,473 crore.
Outlook and guidance
Focus on accelerating growth in prime and affordable segments, expanding digital capabilities, and deepening market penetration in Tier 2, 3, and 4 cities.
NBFC expects margin expansion of 25-30 bps as unsecured and personal loan mix increases; credit cost guidance remains at 1.1%-1.2%.
HFC targets ROA of 2.1%-2.2% and AUM of INR 1 lakh crore in 24-30 months.
Life insurance aims for 20%+ CAGR in individual FYP over next three years, maintaining VNB margins in 18%-20% range.
Emphasis on scaling alternative assets, expanding passive business, and leveraging digital platforms for distribution.
Explain the regulatory impact of the ABFL merger
Provide details on stressed loans sold to ARCs
Discuss co-lending performance and guarantees
Explain margin expansion from P&C loan growth
HFC branch expansion impact on ROA and AUM
Reason for negative variance in Life Insurance
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Latest events from Aditya Birla Capital
- Q3 FY26 revenue up 30% and profit up 41%, with robust growth and capital infusion in housing finance.ABCAPITAL
Q3 25/263 Feb 2026 - Q1 FY25 delivered double-digit profit and revenue growth, with strong lending and insurance momentum.ABCAPITALQ1 24/252 Feb 2026
- PAT up 42% YoY to ₹1,001 crore, with strong digital-led growth and asset sale gains.ABCAPITALQ2 24/2517 Jan 2026
- Q3 FY25 saw 10% revenue growth, robust lending and AUM expansion, and digital platform scale-up.ABCAPITALQ3 24/259 Jan 2026
- Q2 FY26 revenue up 4% YoY to ₹12,481 crore; profit after tax rises 3% to ₹855 crore.ABCAPITALQ2 25/2627 Dec 2025
- Revenue and profit rose 10% year-over-year, with strong lending and AUM growth.ABCAPITALQ1 25/2623 Nov 2025
- FY25 revenue up 20% and profit up 8%, led by lending, insurance, and digital growth.ABCAPITALQ4 24/2519 Nov 2025
Next Aditya Birla Capital earnings date
Q1 26/273 Aug, 2026
Aditya Birla Capital
Next Aditya Birla Capital earnings date
Q1 26/273 Aug, 2026
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