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 ₹ 83,773 Cr.
- Current Price ₹ 1,114
- High / Low ₹ 1,127 / 682
- Stock P/E 246
- Book Value ₹
- Dividend Yield 0.09 %
- 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: | 11% |
| 3 Years: | 15% |
| 1 Year: | 50% |
| 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 |
| Free Cash Flow | -672 | -1,135 | -1,734 | 713 |
| CFO/OP | -133% | -179% | -185% | 120% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | |
|---|---|---|---|---|
| ROE % | 16% | 22% | 26% | 22% |
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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Announcement under Regulation 30 (LODR)-Newspaper Publication
- We submit herewith copies of the newspaper advertisement published by the Bank in Business Standard (all editions in English and Jaipur edition in Hindi) on …
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Business Responsibility and Sustainability Reporting (BRSR)
- 31st AGM on September 5, 2026; Integrated Annual Report FY 2025-26 submitted.
- Notice Of 31St Annual General Meeting Of AU Small Finance Bank Limited
- Reg. 34 (1) Annual Report.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
- We submit herewith the details of Analysts/Institutional Investor meets where the Bank would be participating. Please refer attachment for details.
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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Jul 2026Transcript PPT REC
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Jan 2026TranscriptAI 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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Jan 2022Transcript PPT
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Oct 2021Transcript PPT
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Aug 2021Transcript PPT
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Oct 2020TranscriptAI SummaryPPT
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Aug 2020Transcript PPT
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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]