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 ₹ 76,637 Cr.
- Current Price ₹ 1,024
- High / Low ₹ 1,080 / 659
- Stock P/E 29.0
- Book Value ₹ 264
- Dividend Yield 0.10 %
- ROCE 7.66 %
- ROE 14.3 %
- Face Value ₹ 10.0
Pros
- Company's median sales growth is 33.4% of last 10 years
Cons
- Stock is trading at 3.88 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.9% over last 3 years.
* 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 18,636 | |
| Interest | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 9,524 |
| 209 | 289 | 445 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,629 | 7,491 | 8,617 | |
| Financing Profit | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | 496 |
| Financing Margin % | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | 3% |
| 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,978 | |
| Depreciation | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 225 | 259 | -0 |
| Profit before tax | 208 | 323 | 1,143 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 | 2,788 | 3,474 |
| Tax % | 33% | 34% | 28% | 34% | 34% | 26% | 20% | 22% | 23% | 23% | 24% | 24% |
| 140 | 212 | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 | |
| EPS in Rs | 15.90 | 23.99 | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 | 28.29 | 35.30 |
| Dividend Payout % | -0% | -0% | -0% | 5% | 6% | -0% | -0% | 3% | 5% | 4% | 4% | -0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 34% |
| 5 Years: | 30% |
| 3 Years: | 31% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 18% |
| 3 Years: | 23% |
| TTM: | 25% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 15% |
| 1 Year: | 52% |
| Return on Equity | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 14% |
| 3 Years: | 14% |
| Last Year: | 14% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 44 | 44 | 284 | 286 | 292 | 304 | 312 | 315 | 667 | 669 | 745 | 748 |
| Reserves | 767 | 965 | 1,703 | 1,995 | 2,871 | 4,073 | 5,963 | 7,199 | 10,311 | 11,890 | 16,422 | 18,984 |
| Deposits | -0 | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 69,365 | 87,182 | 124,269 | 152,661 | ||
| Borrowing | 2,878 | 4,783 | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,299 | 5,479 | 11,660 | 13,872 |
| 346 | 502 | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 3,575 | 4,205 | 4,751 | 5,532 | |
| Total Liabilities | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 191,797 |
| 19 | 24 | 36 | 380 | 440 | 438 | 477 | 609 | 707 | 784 | 825 | 1,436 | |
| CWIP | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | -0 |
| Investments | 140 | 232 | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,306 | 20,072 | 27,133 | 37,848 | 44,794 |
| 3,877 | 6,038 | 7,355 | 15,396 | 25,014 | 31,027 | 40,294 | 53,149 | 69,404 | 81,441 | 119,086 | 145,567 | |
| Total Assets | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 109,426 | 157,846 | 191,797 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -747 | -1,938 | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 | |
| -23 | -33 | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | -4,855 | -4,780 | -5,090 | |
| 782 | 1,964 | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | -802 | 2,407 | 2,318 | |
| Net Cash Flow | 12 | -7 | 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | 3,497 | -3,049 | 3,090 | -943 |
| Free Cash Flow | -756 | -1,952 | -2,662 | 2,341 | 724 | 569 | 4,916 | 6,568 | 5,190 | 2,270 | 5,205 | 1,027 |
| CFO/OP | -139% | -254% | -250% | 284% | 58% | 35% | 197% | 220% | 122% | 52% | 72% | 28% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 23% | 55% | 14% | 14% | 18% | 22% | 16% | 15% | 13% | 14% | 14% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Dec 2024 | Dec 2025 | |
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| Number of Touchpoints Number |
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| Gross Loan Portfolio (GLP) INR Crores |
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| Wheels Loan Portfolio (Vehicle Finance) INR Crores |
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| Credit Cards Live Number |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Apr - The Bank has allotted 1,96,822 equity shares of face value of Rs. 10/- each on April 30, 2026, pursuant to exercise of equivalent number of …
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
29 Apr - Transcript of the conference call held on Monday, April 27, 2026 for the Financial Results of AU Small Finance Bank Limited ('the Bank') for the …
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Non-Applicability Of Provisions Related To Chapter XII Of SEBI Circular Dated October 15, 2025, W.R.T. Fund Raising By Issuance Of Debt Securities By Large Entities
29 Apr - AU Small Finance Bank says SEBI Chapter XII debt-raising provisions are not applicable to it.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
28 Apr - Audited Financial Results of the Bank for the Quarter and Financial Year ended on March 31, 2026 has been published in all the editions of …
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Audio Recording Of Conference Call For Audited Financial Results For The Quarter And Financial Year Ended On March 31, 2026
27 Apr - Audio recording of audited FY2026 results conference call available on bank website.
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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Apr 2026Transcript PPT REC
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Jan 2026Transcript PPT
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Jan 2026TranscriptAI SummaryPPT
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Jan 2026TranscriptPPT REC
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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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Oct 2024Transcript PPT
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Mar 2024TranscriptAI SummaryPPT
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Feb 2024Transcript PPT
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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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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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Oct 2019TranscriptAI SummaryPPT
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Jul 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: 74% in Q3 FY26 vs 79% in FY22
Treasury: 13% in Q3 FY26 vs 15% in FY22
Wholesale Banking: 10% in Q3 FY26 vs 5% in FY22
Others: 3% in Q3 FY26 vs 1% in FY22[1][2]