Overview
- Shares have surged about 72% in six months and roughly 91% since the February 2025 low, lifting valuations yet leaving implied upside to the target.
- Analysts highlight ABCL’s shift to a diversified, digitally enabled platform under the ‘One ABC’ strategy to boost cross‑sell and cost efficiency.
- Risk controls include reduced small‑ticket unsecured exposure, with MSME forming 55% of the book, 46% of it secured and only 1.3% small‑ticket unsecured.
- The amalgamation of Aditya Birla Finance into the parent creates a larger unified NBFC with improved operational and capital flexibility.
- MOFSL models a consolidated PAT CAGR of about 26% for FY25–27 and RoE near 14% by FY27, with momentum in housing finance and personal and consumer loans.