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 ₹ 70,963 Cr.
- Current Price ₹ 950
- High / Low ₹ 967 / 478
- Stock P/E 32.6
- Book Value ₹ 243
- Dividend Yield 0.11 %
- 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 3.90 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: | 17% |
| 3 Years: | 13% |
| 1 Year: | 59% |
| 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)-Credit Rating
1 Dec - CARE reaffirms AA; Stable for Tier‑II, assigns AA; Stable to ₹1,000cr infra bonds; CDs A1+ reaffirmed.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
26 Nov - Of Listing Regulations, the newspaper advertisement regarding notice of postal ballot and remote e-voting to seek approval of the members of the Bank has been …
- Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 25 Nov
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Announcement under Regulation 30 (LODR)-Change in Directorate
24 Nov - Appointed two independent directors and re-appointed one, effective Nov 25, 2025, three-year terms, subject to shareholder approval.
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Board Meeting Outcome for Outcome Of Board Meeting Of AU Small Finance Bank Limited ('The Bank') Held On November 24, 2025
24 Nov - Appointed N S Venkatesh and Satyajit Dwivedi; re-appointed Malini Thadani, effective Nov 25, 2025, three-year terms.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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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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Sep 2025TranscriptAI SummaryPPT
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Jul 2025Transcript PPT
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Apr 2025Transcript PPT REC
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Jan 2025Transcript PPT REC
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Oct 2024Transcript PPT
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Mar 2024TranscriptAI SummaryPPT
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Nov 2023Transcript PPT
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Oct 2023TranscriptAI SummaryPPT
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Oct 2023TranscriptAI SummaryPPT
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Oct 2023TranscriptAI SummaryPPT
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Jul 2023Transcript PPT
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May 2023Transcript PPT REC
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Jan 2023Transcript PPT
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Dec 2022TranscriptAI SummaryPPT
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Nov 2022Transcript PPT
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Oct 2022TranscriptAI SummaryPPT
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Jul 2022TranscriptAI SummaryPPT
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May 2022TranscriptAI SummaryPPT
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May 2022TranscriptAI SummaryPPT
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Apr 2022TranscriptAI SummaryPPT
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Mar 2022TranscriptAI SummaryPPT
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Feb 2022TranscriptAI SummaryPPT
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Jan 2022Transcript PPT
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Oct 2021Transcript PPT
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Aug 2021Transcript PPT
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Apr 2021TranscriptAI SummaryPPT
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Feb 2021TranscriptAI SummaryPPT
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Jan 2021TranscriptAI SummaryPPT
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Oct 2020TranscriptAI SummaryPPT
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Aug 2020Transcript PPT
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Jul 2020TranscriptAI SummaryPPT
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Jul 2020TranscriptAI SummaryPPT
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May 2020TranscriptAI SummaryPPT
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Feb 2020TranscriptAI SummaryPPT
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Oct 2019TranscriptAI SummaryPPT
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Jul 2019TranscriptAI SummaryPPT
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Apr 2019TranscriptAI SummaryPPT
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Jan 2019TranscriptAI SummaryPPT
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Oct 2018TranscriptAI SummaryPPT
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Aug 2018TranscriptAI SummaryPPT
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Aug 2018TranscriptAI SummaryPPT
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Apr 2018TranscriptAI SummaryPPT
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Jan 2018TranscriptAI SummaryPPT
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Oct 2017TranscriptAI SummaryPPT
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Aug 2017TranscriptAI SummaryPPT
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]