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 ₹ 74,466 Cr.
- Current Price ₹ 995
- High / Low ₹ 1,080 / 681
- 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: | 16% |
| 3 Years: | 12% |
| 1 Year: | 44% |
| 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 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 ・Standalone data |
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| Gross Loan Portfolio (GLP) INR Crores ・Standalone data |
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| Wheels Loan Portfolio (Vehicle Finance) INR Crores ・Standalone data |
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| Credit Cards Live Number ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
8h - We submit herewith the details of Analysts/Institutional Investor meets where the Bank would be participating. Please refer attachment for details.
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Approval Granted By Reserve Bank Of India (RBI) To Kotak Mahindra Bank Limited For Acquiring Aggregate Holding Of Up To 9.99% Of The Paid-Up Share Capital Or Voting Rights Of The Bank
7 May - RBI approved Kotak Mahindra Bank’s up to 9.99% holding in AU Small Finance Bank.
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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 - We submit herewith the transcript of the conference call held on Monday, April 27, 2026 for the Financial Results of AU Small Finance Bank Limited …
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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.
Annual reports
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Financial Year 2025
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Financial Year 2024
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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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Oct 2025Transcript PPT REC
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Dec 2022TranscriptAI SummaryPPT
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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]