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Intrinsic value · Buy/Sell verdict · scores — free· 1049 Indian stocks· EOD 2026-07-31

Aditya Birla Money Limited

BIRLAMONEYNSEFinancial Services
₹134.84
+3.59 (+2.74%)
Sell

Valuation (57/100) does the heavy lifting; financial trend (18/100) is the drag.

Buy zoneSolvency risk
The bottom line

StocksWizard rates Aditya Birla Money Limited a Sell, scoring 34/100 on our blended model. At ₹134.84 it trades above our blended DCF and relative-multiples fair value of ₹125.89, about 7% downside to that estimate — we read it as fairly valued. On 13.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 30% below its 52-week high of ₹192.3 and 39% above the low of ₹96.73. Financial health scores 32/100, with a Piotroski F-score of 4/9. It clears 1 of 10 investability checks, with durability 33, valuation 74 and momentum 18 on our 0–100 scales.

Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.

Intrinsic value
Our fair value
₹125.89down 6.64%
Fairly valued
Price ₹134.84Range ₹88.48₹222.1
Relative (financials)high confidence

With a 20% margin of safety, our buy-below price is ₹100.71.

1-year price

EOD · 2026-07-31
1D
up 2.74%
1W
up 2.16%
1M
down 6.14%
3M
down 5.88%
6M
up 13.14%
1Y

52-week range

-29.88% from the 52-week high.

Trend check
Below 50-DMA₹139Below 200-DMA₹140

Price above both moving averages reads as an intact uptrend; below both, the trend is against you.

Verdict pillars

Sell34
F
Financial health 32/100
From profitability & returns (bank/NBFC)

Piotroski F-score 4/9 — quality of earnings & balance sheet.

Our scores

Durability33
Valuation74
Momentum18

Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.

Investability checklist

Passed 1 of 10 checks
Each check screens one fundamentals, valuation or trend signal.
  • No data: ROE above 15%
  • Fail: Low debt (D/E < 0.5): 7.35x
  • Fail: Positive free cash flow
  • Fail: Revenue growth > 10%: 8%
  • Fail: Earnings growing: -28%
  • Pass: Net margin ≥ 10%: 15.8%
  • No data: Current ratio > 1.5
  • Fail: Below our fair value
  • Fail: Margin of safety ≥ 20%
  • Fail: Above 200-day average
  • Fail: Above 50-day average
  • No data: Positive 1-year return
  • No data: Altman Z in safe zone
  • Fail: Piotroski ≥ 7: 4/9

Quarterly results

Revenue · 3Q2020
₹45 Cr
Net profit
₹4 Cr
Margin
10%
2Q2020
3Q2020
Revenue Net profitLatest revenue QoQ +12%

Shareholding

  • Promoter74.5%
  • Institutions0.0%
  • Public & other25.5%

Promoter holding via insider stake; institutional via reported holdings.

Key fundamentals

Market cap
₹746 Cr
P/E ratio
13.7
P/B ratio
2.48
EPS (TTM)
₹9.6
ROE
Debt / Equity
7.35x
Profit margin
15.8%
Free cash flow
₹-325 Cr
52-week high
₹192.3
-29.88% from high
52-week low
₹96.73
Dividend yield
Beta
0.28
SWOT snapshot

Bull case vs bear case

Bull case

Strengths

  • Healthy profit margin (15.8%).

Opportunities

  • Trading in our value buy zone versus sector peers.

Bear case

Weaknesses

  • High debt relative to equity.
  • Price below its 200-day moving average (downtrend).

Threats

  • Earnings contracting year on year.

About Aditya Birla Money Limited

Aditya Birla Money Limited operates a financial services business in India through broking, wholesale debt market, and other segments. The company provides stock and commodity broking, portfolio management, depository services, and e-insurance repository solutions, while also distributing financial products and making direct investments in stocks, mutual funds, and IPOs.

Aditya Birla Money Limited — frequently asked questions

Is Aditya Birla Money Limited a buy, hold or sell?

StocksWizard currently rates Aditya Birla Money Limited (BIRLAMONEY) a Sell, based on a blended score of 34/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.

What is Aditya Birla Money Limited's fair value?

Our blended DCF and relative-valuation model estimates Aditya Birla Money Limited's fair value at about ₹125.89, versus a current price of ₹134.84 — roughly 7% downside. On that basis the stock looks fairly valued.

Is Aditya Birla Money Limited financially healthy?

Aditya Birla Money Limited scores 32/100 on our financial-health model, with a Piotroski F-score of 4/9.

How has Aditya Birla Money Limited's share price performed?

Aditya Birla Money Limited is down 6% over three months, and last traded at ₹134.84. Past performance doesn't predict future returns.

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.