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 ₹ 74,160 Cr.
- Current Price ₹ 987
- High / Low ₹ 1,145 / 744
- Stock P/E 26.0
- Book Value ₹ 267
- Dividend Yield 0.10 %
- ROCE 7.66 %
- ROE 14.2 %
- Face Value ₹ 10.0
Pros
- Company's median sales growth is 33.4% of last 10 years
Cons
- Stock is trading at 3.70 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 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 18,636 | 19,561 | |
| Interest | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 9,524 | 9,797 |
| 209 | 289 | 445 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,629 | 7,491 | 8,345 | 8,861 | |
| Financing Profit | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | 768 | 903 |
| Financing Margin % | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | 4% | 5% |
| 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,978 | 2,857 | |
| Depreciation | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 225 | 259 | 272 | 0 |
| Profit before tax | 208 | 323 | 1,143 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 | 2,788 | 3,474 | 3,759 |
| 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 | 2,856 | |
| 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 | 38.21 |
| Dividend Payout % | 0% | 0% | 0% | 5% | 6% | 0% | 0% | 3% | 5% | 4% | 4% | 3% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 34% |
| 5 Years: | 30% |
| 3 Years: | 31% |
| TTM: | 17% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 18% |
| 3 Years: | 23% |
| TTM: | 31% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 11% |
| 3 Years: | 12% |
| 1 Year: | 33% |
| 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 | 19,225 |
| 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 | 5,291 | |
| 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 | 881 | |
| CWIP | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | 555 |
| 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% | 27% |
Ratios
Standalone / 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 2018 | Mar 2026 | |
|---|---|---|
| CASA Ratio % |
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| Customer Base Lacs |
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| Total Touchpoints count |
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Extracted by Screener AI
Documents
Announcements
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Intimation Under SEBI (LODR) Regulation, 2015
- Pursuant to the SEBI (LODR) Regulations, 2015 and the Code of Fair Disclosure and Conduct and As per Regulation 8 of the SEBI (Prohibition ....
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Announcement under Regulation 30 (LODR)-Credit Rating
- ICRA reaffirmed AU Small Finance Bank's AA rating, revised outlook to Positive, and assigned AA to Rs.100 crore infrastructure bonds.
- Closure of Trading Window
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Board Meeting Outcome for Re-Appointment Of Head Of Internal Audit
- Board re-appointed Vinay Vaish as Head of Internal Audit for one year from October 7, 2026.
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Announcement under Regulation 30 (LODR)-Investor Presentation
- In continuation to our intimation for Analysts / Institutional Investors Meet vide letter dated September 21, 2026, we submit herewith the revised investor presentation for …
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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Concalls
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Sep 2026PPT
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Jul 2026Transcript PPT REC
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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 2022PPT
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Nov 2022Transcript PPT
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Jan 2022Transcript PPT
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Oct 2021Transcript PPT
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Oct 2020PPT
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Aug 2020Transcript PPT
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Oct 2019PPT
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Oct 2018PPT
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Aug 2018PPT
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Apr 2018PPT
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Jan 2018PPT
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Oct 2017PPT
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Aug 2017PPT
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]