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 ₹ 74,591 Cr.
- Current Price ₹ 998
- High / Low ₹ 1,030 / 478
- Stock P/E 219
- 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: | 17% |
| 3 Years: | 16% |
| 1 Year: | 65% |
| 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 % | 22% | 26% | 22% |
Documents
Announcements
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Intimation Of Newspaper Advertisement Of Unaudited Financial Results Of The Bank For The Quarter And Nine Months Ended On December 31, 2025
15h - Published unaudited results for quarter and nine months ended Dec 31, 2025 in newspapers on Jan 21, 2026.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
15h - Details of Analysts/Institutional Investor meets where the Bank would be participating. Please refer attachment for details
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Audio Recording Of Conference Call For Unaudited Financial Results For The Quarter And Nine Months Ended On December 31, 2025
1d - Audio recording of conference call for quarter and nine-month results (Dec 31, 2025) posted Jan 20, 2026.
- Revised Outcome Of Board Meeting Of AU Small Finance Bank Limited (''The Bank'') Held On January 20, 2026 1d
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Board Meeting Outcome for Revised Outcome Of Board Meeting Of AU Small Finance Bank Limited ('The Bank') Held On January 20, 2026
1d - Approved Q3/9M results (Dec 31,2025); Vivek Tripathi WTD; ESOP increased to 5,00,00,000 options; key board changes.
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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Jan 2026TranscriptAI SummaryPPT
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Jan 2026TranscriptAI SummaryPPT
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Jan 2026TranscriptAI SummaryPPT REC
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Oct 2025Transcript PPT REC
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Dec 2022TranscriptAI 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]