AU Small Finance Bank Ltd
AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]
- Market Cap ₹ 72,280 Cr.
- Current Price ₹ 968
- High / Low ₹ 1,008 / 478
- Stock P/E 33.2
- Book Value ₹ 243
- Dividend Yield 0.10 %
- ROCE 8.40 %
- ROE 14.2 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 25.6% CAGR over last 5 years
- Company's median sales growth is 38.1% of last 10 years
Cons
- Stock is trading at 3.98 times its book value
- Company has low interest coverage ratio.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Banks Other Bank
Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 611 | 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 17,274 | |
| Interest | 289 | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 8,968 |
| 184 | 209 | 289 | 445 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,629 | 7,491 | 8,340 | |
| Financing Profit | 137 | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | -34 |
| Financing Margin % | 22% | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | -0% |
| 4 | 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,902 | |
| Depreciation | 3 | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 225 | 259 | 0 |
| Profit before tax | 138 | 208 | 323 | 1,143 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 | 2,788 | 2,868 |
| Tax % | 33% | 33% | 34% | 28% | 34% | 34% | 26% | 20% | 22% | 23% | 23% | 24% | |
| 92 | 140 | 212 | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,174 | |
| EPS in Rs | 10.68 | 15.90 | 23.99 | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 | 28.29 | 29.18 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 5% | 6% | 0% | 0% | 3% | 5% | 4% | 4% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 37% |
| 5 Years: | 30% |
| 3 Years: | 39% |
| TTM: | 30% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 31% |
| 5 Years: | 26% |
| 3 Years: | 23% |
| TTM: | 15% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 16% |
| 3 Years: | 13% |
| 1 Year: | 66% |
| Return on Equity | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 15% |
| 3 Years: | 14% |
| Last Year: | 14% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 284 | 286 | 292 | 304 | 312 | 315 | 667 | 669 | 745 | 746 |
| Reserves | 598 | 767 | 965 | 1,703 | 1,995 | 2,871 | 4,073 | 5,963 | 7,199 | 10,311 | 11,890 | 16,422 | 17,399 |
| Deposits | 0 | 0 | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 69,365 | 87,182 | 124,269 | 132,509 | ||
| Borrowing | 2,130 | 2,878 | 4,783 | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,299 | 5,479 | 11,660 | 10,319 |
| 242 | 346 | 502 | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 3,575 | 4,205 | 4,751 | 4,568 | |
| Total Liabilities | 3,013 | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 165,542 |
| 17 | 19 | 24 | 36 | 380 | 440 | 438 | 477 | 609 | 707 | 784 | 825 | 1,322 | |
| CWIP | 0 | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | 0 |
| Investments | 114 | 140 | 232 | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,306 | 20,072 | 27,133 | 37,848 | 38,382 |
| 2,883 | 3,877 | 6,038 | 7,355 | 15,396 | 25,014 | 31,027 | 40,294 | 53,149 | 69,404 | 81,441 | 119,086 | 125,838 | |
| Total Assets | 3,013 | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 165,542 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -570 | -747 | -1,938 | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | 2,608 | 5,462 | |
| 611 | -23 | -33 | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | -4,855 | -4,780 | |
| -266 | 782 | 1,964 | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | -802 | 2,407 | |
| Net Cash Flow | -225 | 12 | -7 | 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | 3,497 | -3,049 | 3,090 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 17% | 19% | 23% | 55% | 14% | 14% | 18% | 22% | 16% | 15% | 13% | 14% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
2d - The Bank has allotted 2,71,991 equity shares of face value of Rs. 10/- each on December 12, 2025, pursuant to exercise of equivalent number of …
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Approval For Increase In Foreign Investment In AU Small Finance Bank Limited From 49% To Maximum Permissible Limit Of 74%
9 Dec - DFS approved raising AU Small Finance Bank's foreign investment limit from 49% to 74% on December 9, 2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
9 Dec - Details of Analysts/Institutional Investor meets where the Bank would be participating. Please refer attachment for details
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Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015
6 Dec - SES assigned ESG Score 80.4 (ESG Grade A) to AU Small Finance Bank for FY 2024-25.
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Announcement under Regulation 30 (LODR)-Credit Rating
1 Dec - CARE reaffirms AA; Stable for Tier‑II, assigns AA; Stable to ₹1,000cr infra bonds; CDs A1+ reaffirmed.
Annual reports
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Financial Year 2025
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Concalls
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Oct 2025Transcript PPT REC
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Business Segments
Retail Banking: 76% in 9M FY25 vs 79% in FY22
Treasury: 13% in 9M FY25 vs 15% in FY22
Wholesale Banking: 9% in 9M FY25 vs 5% in FY22
Others: 2% in 9M FY25 vs 1% in FY22 [1] [2]