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 ₹ 74,377 Cr.
- Current Price ₹ 995
- High / Low ₹ 1,030 / 478
- Stock P/E 218
- Book Value ₹
- Dividend Yield 0.10 %
- ROCE 12.4 %
- ROE 22.3 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
- Earnings include an other income of Rs.612 Cr.
* 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
Consolidated Figures in Rs. Crores / View Standalone
| Interest |
| Financing Profit |
| Financing Margin % |
| Depreciation |
| Profit before tax |
| Tax % |
| EPS in Rs |
| Gross NPA % |
| Net NPA % |
| Raw PDF |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | |
|---|---|---|---|---|
| 667 | 813 | 1,206 | 1,429 | |
| Interest | 317 | 334 | 492 | 531 |
| 201 | 227 | 339 | 422 | |
| Financing Profit | 148 | 252 | 375 | 476 |
| Financing Margin % | 22% | 31% | 31% | 33% |
| 4 | -4 | 8 | 612 | |
| Depreciation | 4 | 8 | 10 | 6 |
| Profit before tax | 149 | 241 | 373 | 1,082 |
| Tax % | 32% | 33% | 34% | 30% |
| 101 | 163 | 247 | 762 | |
| EPS in Rs | 11.65 | 18.49 | 27.95 | 13.40 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 29% |
| TTM: | 19% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 49% |
| TTM: | 38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 16% |
| 1 Year: | 86% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 23% |
| Last Year: | 22% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | |
|---|---|---|---|---|
| Equity Capital | 43 | 44 | 44 | 284 |
| Reserves | 606 | 794 | 1,022 | 1,703 |
| Borrowing | 2,478 | 3,588 | 6,232 | 7,071 |
| 249 | 397 | 634 | 753 | |
| Total Liabilities | 3,377 | 4,823 | 7,933 | 9,812 |
| 23 | 24 | 30 | 36 | |
| CWIP | 0 | 0 | 0 | 240 |
| Investments | 65 | 65 | 89 | 2,150 |
| 3,289 | 4,733 | 7,813 | 7,386 | |
| Total Assets | 3,377 | 4,823 | 7,933 | 9,812 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | |
|---|---|---|---|---|
| -665 | -1,125 | -1,719 | 884 | |
| 593 | 3 | 39 | -1,800 | |
| -148 | 1,153 | 1,958 | 1,022 | |
| Net Cash Flow | -220 | 31 | 278 | 106 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | |
|---|---|---|---|---|
| ROE % | 16% | 22% | 26% | 22% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
1d - The Bank has allotted 2,52,429 equity shares of face value of Rs. 10/- each on February 13, 2026, pursuant to exercise of equivalent number of …
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Approval Of Reserve Bank Of India For Reappointment Of Mr. Sanjay Agarwal As Managing Director & CEO Of AU Small Finance Bank Limited
1d - RBI approved reappointment of Sanjay Agarwal as AU SFB MD & CEO for three years from April 19, 2026.
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Update On Notice Of Postal Ballot Submitted Vide Our Letter Dated January 29, 2026
2d - Confirms AU ESOS 2023 exercise price = 26-week average weekly high-low VWAP; future changes require shareholder approval.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
3 Feb - Details of Analysts/Institutional Investor meets where the Bank would be participating. Please refer attachment for details
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Jan - The Bank has allotted 1,77,323 equity shares of face value of Rs. 10/- each on January 30, 2026, pursuant to exercise of equivalent number of …
Annual reports
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Financial Year 2025
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Financial Year 2023
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Financial Year 2022
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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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Jan 2026Transcript PPT
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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]