PAditya Birla Housing Finance LimitedExecutive Cockpit
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Aditya Birla Housing Finance Limited · FY24 (modeled)
Top 10 Indian Housing Finance Companies by AUM
1,200 employees · 0+ US sites · 1 countries
▲ Executive read· the answer, then the moves

Margin is expanding, but ≈ $-522M of EBITDA still sits between today's 24.7% margin and the 16% exit target — held in unintegrated cohorts and SG&A. Convert synergy and add-backs into reported EBITDA before the buyer's diligence.

8 of 8 headline metrics improving vs prior · still off target: Revenue $6.00B vs $7.50B, EBITDA $1.48B vs $1.70B, Recurring Fee Income $125M vs $140M

Do now — ranked by urgency
  1. 1
    Retail Home Buyers (Gomti Nagar) credit exposureAct now
    Why it matters

    Move to credit hold pending paydown; reforecast ARR net of likely churn.

    What's driving it
    • Overdue AR
    • Signal: Alert
    FYI

    Distress filings + overdue AR; churn risk High on $6.4M account.

    Act →▤ open the overdue book
  2. 2
    Covenant headroom 0.9× (lev 4.6× vs 5.5×)Act now
    Why it matters

    Sets deal capacity and refinancing risk.

    What's driving it
    • Q1 (act)
    • Signal: Threshold
    FYI
    • Net-debt/EBITDA 4.6× against a 5.5× ceiling.
    • Owner: CFO · Treasury
    Act →
  3. 3
    Close the margin gap to the 16% exit targetWatch
    Why it matters

    ≈ $-522M of EBITDA stands between 24.7% margin and the 16% target — the swing that re-rates the equity.

    What's driving it
    • Adj. EBITDA margin 24.7% vs 16% target
    • 4 of 7 cohorts below 80% synergy capture
    FYI
    • Revenue $6000M; SG&A 14.2% of revenue
    • Each margin point ≈ $60M of EBITDA
    See cohorts →
  4. 4
    3 brands running DSO > 65 daysWatch
    Why it matters

    Targeted collections sprint on $0.9M; tighten milestone billing on ISC projects.

    What's driving it
    • DSO
    • Signal: Alert
    FYI

    ISC (67d), Risk Analytics Suite (66d), Retail Home Buyers (Gomti Nagar) account (67d) lifting blended DSO.

    Act →▤ open the overdue book
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Revenue
$6.00B
▲ 30.4% vs priorTarget $7.50B
Revenue Growth YoY
30.5%
▲ 51.7% vs priorTarget 25.0%
Gross Margin
36.7%
▲ 6.4% vs priorTarget 37.0%
EBITDA
$1.48B
▲ 20.8% vs priorTarget $1.70B
EBITDA Margin
24.7%
▲ 6.9% vs priorTarget 25.0%
Recurring Fee Income
$125M
▲ 13.6% vs priorTarget $140M
Recurring Mix
9.1%
▲ 7.1% vs priorTarget 10.0%
Free Cash Flow
$980M
▲ 36.1% vs priorTarget $1.20B
Exhibit 1

P&L bridge — revenue to EBITDA

How $785M of revenue converts to $116M adjusted EBITDA.

Exhibit 2

P&L at a glance

Revenue$6000M100.0%
Cost of goods sold($3798M)(63.3%)
Gross profit$2202M36.7%
SG&A($852M)(14.2%)
Adjusted EBITDA$1480M24.7%
Exhibit 3

Revenue & EBITDA

Exhibit 4

Revenue by business unit

Home Loans45%
Loans Against Property35%
Construction Finance20%
Exhibit 5

Reported → Adjusted EBITDA

Diligence-grade add-back walk.

Exhibit 6

EBITDA — prior to current

Organic vs. acquisitive vs. price/mix vs. cost.

Exhibit 7

EBITDA margin

Exhibit 8

Revenue concentration

Planning

FP&A & productivity

Forecast discipline, synergy realization and productivity.

Budget Variance
3.2%
▼ 22.0% vs priorTarget 0.0%
Forecast Accuracy
93.0%
▲ 1.1% vs priorTarget 95.0%
Operational Synergy Realized
0.0%
▬ 0.0% vs priorTarget 0.0%
Revenue per Employee
$500000K
▲ 19.0% vs priorTarget $600000K
SG&A Ratio
14.2%
▼ 5.3% vs priorTarget 13.0%
Rule of 40 Score
51
▲ 21.4% vs priorTarget 45
Exhibit 9

Acquisition cohort performance

EBITDA uplift and synergy realization by acquired brand.

BrandYearRevenueARREBITDA %SynergyStatus
LAP by ABHFL2021$31.25M$11.03M8.27→12.87%92%Integrated
ABHFL Construction Finance2021$20.22M$7.35M7.35→11.95%90%Integrated
Aditya Birla Home Loans2022$88.23M$47.79M10.11→14.71%88%Integrated
Lease Rental Discounting2023$53.31M$17.46M9.19→11.95%74%In progress
PMAY 2.0 Support2024$37.68M$12.87M8.27→10.11%55%In progress
Digital Loan Origination2024$34.01M$11.95M8.27→11.03%78%In progress
Risk Analytics Suite2024$26.65M$8.27M7.35→8.27%40%Early
Act on it

Where to go next

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Morning Briefing

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Scenario Forecast

Pull the value levers — bull / base / bear on EBITDA & EV.

Forecast →
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Reconciliation

Prove the P&L ties out — identity tests on the numbers.

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