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AU Small Finance Bank Ltd

AUBANK·NSE
₹1,036.40-0.15%Tue, 22 Sept '26
Industry:Banks - Small Finance
Indices:

AU Small Finance Bank Ltd

AUBANK
NSE
₹1,036.40
-0.15%
|Tue, 22 Sept '26
SOICxStockScans Reports
Industry
Banks - Small Finance
Indices
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Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
6M
Price
Charts
Documents

Quick Ratios

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Mkt Cap
Market Capitalization
₹77,790Cr
Close
Close Price
₹1,036.40
Industry
Industry
Banks - Small Finance
PE
Price To Earnings
27.12
PS
Price To Sales
3.98
Revenue
Revenue
₹19,561Cr
Rev Gr TTM
Revenue Growth TTM
17.32%
PAT Gr TTM
PAT Growth TTM
30.77%

Quarterly Results

Consolidated
Standalone
Numbers
Percentage
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
2,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,303
Growth YoY
Revenue Growth YoY%
27.029.224.453.354.550.450.916.215.414.917.521.1
Interest Expended
Interest ExpendedCr
1,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,607
Expenses
ExpensesCr
1,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,2312,321
Financing Profit
Financing ProfitCr
12756-916012185-104-3216160351375
FPM
FPM%
5.02.0-0.34.23.12.1-2.4-0.70.43.47.07.1
Other Income
Other IncomeCr
406442541509638618761811713724731689
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
5334984556697597036577797298841,0821,064
Tax
TaxCr
13212384166188175153198168217250268
PAT
PATCr
402375371503571528504581561668832796
Growth YoY
PAT Growth YoY%
17.3-4.5-12.729.942.140.835.915.6-1.826.365.237.0
NPM
NPM%
15.913.713.113.314.612.811.813.312.414.116.615.0
EPS
EPS₹
6.05.65.56.87.77.16.87.87.58.911.110.6
Ratios
Ratios
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
2,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,303
Growth YoY
Revenue Growth YoY%
27.029.224.453.354.550.450.916.215.414.917.521.1
Interest Expended
Interest ExpendedCr
1,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,607
Expenses
ExpensesCr
1,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,2312,321
Financing Profit
Financing ProfitCr
12756-916012185-104-3216160351375
FPM
FPM%
5.02.0-0.34.23.12.1-2.4-0.70.43.47.07.1
Other Income
Other IncomeCr
406442541509638618761811713724731689
Depreciation
DepreciationCr
000000000000
PBT
PBTCr
5334984556697597036577797298841,0821,064
Tax
TaxCr
13212384166188175153198168217250268
PAT
PATCr
402375371503571528504581561668832796
Growth YoY
PAT Growth YoY%
17.3-4.5-12.729.942.140.835.915.6-1.826.365.237.0
NPM
NPM%
15.913.713.113.314.612.811.813.312.414.116.615.0
EPS
EPS₹
6.05.65.56.87.77.16.87.87.58.911.110.6
Ratios
Ratios

Profit & Loss

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
1,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,63619,561
Growth
Revenue Growth%
43.526.738.166.945.315.519.638.628.652.216.017.3
Interest Expended
Interest ExpendedCr
3954968271,6072,3772,5852,6883,7805,3988,0529,5249,797
Expenses
ExpensesCr
2894458321,1631,6122,2242,6343,4104,6297,4918,3458,861
Financing Profit
Financing ProfitCr
3263391091802971426011,016528520768903
FPM
FPM%
32.326.56.16.16.92.910.112.45.03.24.14.6
Other Income
Other IncomeCr
58103884627061,4219941,0341,6972,5262,9782,857
Depreciation
DepreciationCr
965362891041401852252592720
PBT
PBTCr
3231,1434435809141,4591,4541,8651,9992,7883,4743,759
Tax
TaxCr
111321151198239288324437465682833903
PAT
PATCr
2128222923826751,1711,1301,4281,5352,1062,6412,856
Growth
PAT Growth%
50.9288.4-64.530.776.773.5-3.526.47.537.225.430.8
NPM
NPM%
20.964.216.512.915.723.619.117.414.513.114.214.6
EPS
EPS₹
8.030.25.16.611.419.118.021.923.028.335.438.2
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
1,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,63619,561
Growth
Revenue Growth%
43.526.738.166.945.315.519.638.628.652.216.017.3
Interest Expended
Interest ExpendedCr
3954968271,6072,3772,5852,6883,7805,3988,0529,5249,797
Expenses
ExpensesCr
2894458321,1631,6122,2242,6343,4104,6297,4918,3458,861
Financing Profit
Financing ProfitCr
3263391091802971426011,016528520768903
FPM
FPM%
32.326.56.16.16.92.910.112.45.03.24.14.6
Other Income
Other IncomeCr
58103884627061,4219941,0341,6972,5262,9782,857
Depreciation
DepreciationCr
965362891041401852252592720
PBT
PBTCr
3231,1434435809141,4591,4541,8651,9992,7883,4743,759
Tax
TaxCr
111321151198239288324437465682833903
PAT
PATCr
2128222923826751,1711,1301,4281,5352,1062,6412,856
Growth
PAT Growth%
50.9288.4-64.530.776.773.5-3.526.47.537.225.430.8
NPM
NPM%
20.964.216.512.915.723.619.117.414.513.114.214.6
EPS
EPS₹
8.030.25.16.611.419.118.021.923.028.335.438.2

Balance Sheet

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
44284286292304312315667669745748
Reserves
ReservesCr
9651,6971,9782,6534,0215,8607,15810,26711,82816,29818,985
Deposits
DepositsCr
007,92319,42226,16435,97952,58569,36587,1821,24,2691,52,661
Borrowings
BorrowingsCr
4,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,872
Other Liabilities
Other LiabilitiesCr
5026801,0071,6421,3192,4103,0303,6194,2674,8755,532
Total Liabilities
Total LiabilitiesCr
6,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797
Fixed Assets
Fixed AssetsCr
2763864474484826237408529121,436
Investments
InvestmentsCr
2322,1503,0517,16210,66810,81515,30720,07227,13337,84844,794
Advances
AdvancesCr
5,8966,71813,62123,26327,61735,41247,07859,88674,9481,09,3831,36,697
Cash Equivalents
Cash EquivalentsCr
1236251,7611,7403,3704,7815,9299,4256,3769,4668,523
Other Assets
Other AssetsCr
431214114110114293116236347
Total Assets
Total AssetsCr
6,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
44284286292304312315667669745748
Reserves
ReservesCr
9651,6971,9782,6534,0215,8607,15810,26711,82816,29818,985
Deposits
DepositsCr
007,92319,42226,16435,97952,58569,36587,1821,24,2691,52,661
Borrowings
BorrowingsCr
4,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,872
Other Liabilities
Other LiabilitiesCr
5026801,0071,6421,3192,4103,0303,6194,2674,8755,532
Total Liabilities
Total LiabilitiesCr
6,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797
Fixed Assets
Fixed AssetsCr
2763864474484826237408529121,436
Investments
InvestmentsCr
2322,1503,0517,16210,66810,81515,30720,07227,13337,84844,794
Advances
AdvancesCr
5,8966,71813,62123,26327,61735,41247,07859,88674,9481,09,3831,36,697
Cash Equivalents
Cash EquivalentsCr
1236251,7611,7403,3704,7815,9299,4256,3769,4668,523
Other Assets
Other AssetsCr
431214114110114293116236347
Total Assets
Total AssetsCr
6,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797

Cash Flow

Consolidated
Standalone
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-1,938-2,4052,5058486605,0566,8495,4942,6085,4621,829
Investing Cash Flow
Investing Cash FlowCr
-33552-1,890-2,305-1,267-990-4,753-4,320-4,855-5,931-5,090
Financing Cash Flow
Financing Cash FlowCr
1,9642,4485211,4362,237-2,655-9482,323-8022,4072,318
Net Cash Flow
Net Cash FlowCr
-75961,136-211,6291,4121,1473,497-3,0491,938-943
Free Cash Flow
Free Cash FlowCr
-1,951-2,6622,3417245694,9166,5685,1902,2705,2051,027
CFO To EBITDA
CFO To EBITDA%
-594.2-709.12,307.8471.1222.43,562.11,140.5540.9494.21,049.9238.3
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-1,938-2,4052,5058486605,0566,8495,4942,6085,4621,829
Investing Cash Flow
Investing Cash FlowCr
-33552-1,890-2,305-1,267-990-4,753-4,320-4,855-5,931-5,090
Financing Cash Flow
Financing Cash FlowCr
1,9642,4485211,4362,237-2,655-9482,323-8022,4072,318
Net Cash Flow
Net Cash FlowCr
-75961,136-211,6291,4121,1473,497-3,0491,938-943
Free Cash Flow
Free Cash FlowCr
-1,951-2,6622,3417245694,9166,5685,1902,2705,2051,027
CFO To EBITDA
CFO To EBITDA%
-594.2-709.12,307.8471.1222.43,562.11,140.5540.9494.21,049.9238.3

Ratios

Consolidated
Standalone
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
17,65517,34615,47538,28539,23238,59537,84439,76963,06077,790
Price To Earnings
Price To Earnings
60.545.422.932.734.727.024.718.923.927.1
Price To Sales
Price To Sales
10.05.93.67.76.64.73.62.53.44.0
Price To Book
Price To Book
7.85.93.66.25.33.53.02.33.23.9
EV To EBITDA
EV To EBITDA
216.8134.675.7285.665.434.970.080.789.1261.4
Profitability Ratios
Profitability Ratios
FPM
FPM%
32.326.56.16.16.92.910.112.45.03.24.14.6
NPM
NPM%
20.964.216.512.915.723.619.117.414.513.114.214.6
ROCE
ROCE%
12.418.07.17.18.18.26.36.57.07.17.07.0
ROE
ROE%
21.041.512.913.015.619.015.113.112.312.413.413.4
ROA
ROA%
3.48.41.61.21.62.31.61.61.41.31.41.4
Solvency Ratios
Solvency Ratios
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
17,65517,34615,47538,28539,23238,59537,84439,76963,06077,790
Price To Earnings
Price To Earnings
60.545.422.932.734.727.024.718.923.927.1
Price To Sales
Price To Sales
10.05.93.67.76.64.73.62.53.44.0
Price To Book
Price To Book
7.85.93.66.25.33.53.02.33.23.9
EV To EBITDA
EV To EBITDA
216.8134.675.7285.665.434.970.080.789.1261.4
Profitability Ratios
Profitability Ratios
FPM
FPM%
32.326.56.16.16.92.910.112.45.03.24.14.6
NPM
NPM%
20.964.216.512.915.723.619.117.414.513.114.214.6
ROCE
ROCE%
12.418.07.17.18.18.26.36.57.07.17.07.0
ROE
ROE%
21.041.512.913.015.619.015.113.112.312.413.413.4
ROA
ROA%
3.48.41.61.21.62.31.61.61.41.31.41.4
Solvency Ratios
Solvency Ratios

Documents — AU Small Finance Bank Ltd

  • Q1 FY2027 Earnings Call Transcript (Jun 2026, PDF): https://www.stockscans.in/document/bgc59kv3hk8nlp5o9lmbhmkx.pdf
  • Q4 FY2026 Earnings Call Transcript (Mar 2026, PDF): https://www.stockscans.in/document/vv12ri5v6vh6hdw3fsr0b2ek.pdf
  • Q3 FY2026 Earnings Call Transcript (Dec 2025, PDF): https://www.stockscans.in/document/vhau2vi9gxid8i59l38qv1ad.pdf
  • Q2 FY2026 Earnings Call Transcript (Sep 2025, PDF): https://www.stockscans.in/document/ybezmzn3ua98xzexkq6yhx4i.pdf
  • Q1 FY2026 Earnings Call Transcript (Jun 2025, PDF): https://www.stockscans.in/document/c88r9wttzox24vwvly1wtizf.pdf
  • Q4 FY2025 Earnings Call Transcript (Mar 2025, PDF): https://www.stockscans.in/document/02l2b5yd78jfzoe9ksk9hmjf.pdf
  • Q3 FY2025 Earnings Call Transcript (Dec 2024, PDF): https://www.stockscans.in/document/c0jp7ddio3vij61nrmf92cvv.pdf
  • Q2 FY2025 Earnings Call Transcript (Sep 2024, PDF): https://www.stockscans.in/document/4zptf70cj485jx83p828ue11.pdf
  • Q1 FY2027 Quarterly Result (Jun 2026, PDF): https://www.stockscans.in/document/cn2y7v9gp8yk6tlk8owu7p0w.pdf
  • Q4 FY2026 Quarterly Result (Mar 2026, PDF): https://www.stockscans.in/document/7f5cekvymj2dpxpiv0iwhyi0.pdf
  • Q3 FY2026 Quarterly Result (Dec 2025, PDF): https://www.stockscans.in/document/hmz8m6fixjkz8qihrhna7itc.pdf
  • Q2 FY2026 Quarterly Result (Sep 2025, PDF): https://www.stockscans.in/document/hs10t62trmvujtso9xczustl.pdf
  • Q1 FY2026 Quarterly Result (Jun 2025, PDF): https://www.stockscans.in/document/sttstoxwbhto99o4u9lvdwd1.pdf
  • Q4 FY2025 Quarterly Result (Mar 2025, PDF): https://www.stockscans.in/document/twguj8p2fznfq4rlhora9tno.pdf
  • Q3 FY2025 Quarterly Result (Dec 2024, PDF): https://www.stockscans.in/document/6om9129nrmgm403qbdw4gbr9.pdf
  • Q4 FY2024 Quarterly Result (Mar 2024, PDF): https://www.stockscans.in/document/48yjaqgf4dsi3pba8ixpsbb8.pdf
  • Q1 FY2027 Investor Presentation (Jun 2026, PDF): https://www.stockscans.in/document/zk29yovwyk4sawbiyhjyfc14.pdf
  • Q4 FY2026 Investor Presentation (Mar 2026, PDF): https://www.stockscans.in/document/wwylbgdgq45a4w2f9juqm9am.pdf
  • Q3 FY2026 Investor Presentation (Dec 2025, PDF): https://www.stockscans.in/document/zpolqs3rv9iw7qpwxltvtwmx.pdf
  • Q2 FY2026 Investor Presentation (Sep 2025, PDF): https://www.stockscans.in/document/rbgkk8acyhzd1ggbo71ooh23.pdf
  • Q1 FY2026 Investor Presentation (Jun 2025, PDF): https://www.stockscans.in/document/qmrqigpjy3qm0vpuiydvrpwt.pdf
  • Q4 FY2025 Investor Presentation (Mar 2025, PDF): https://www.stockscans.in/document/mqqxdjt5zusjpc46u8lg6yg9.pdf
  • Q3 FY2025 Investor Presentation (Dec 2024, PDF): https://www.stockscans.in/document/vb545q53496fe50eb0b3qat1.pdf
  • Q2 FY2025 Investor Presentation (Sep 2024, PDF): https://www.stockscans.in/document/u3c1rpx7apufj0zw0u7pl6zt.pdf
  • FY2026 Annual Report (PDF): https://www.stockscans.in/document/z6td4fhg650dp66yrb2nu9p9.pdf
  • FY2025 Annual Report (PDF): https://www.stockscans.in/document/n7mqo3yp99651qnjfkpxgcye.pdf
  • FY2024 Annual Report (PDF): https://www.stockscans.in/document/00hsiaunvsdk1z3ub6rkz0qh.pdf
  • FY2023 Annual Report (PDF): https://www.stockscans.in/document/1wv13g15tpq545spnnqqu6js.pdf
  • FY2022 Annual Report (PDF): https://www.stockscans.in/document/t7fje3ytk4y7zyuudjgureu9.pdf
  • FY2021 Annual Report (PDF): https://www.stockscans.in/document/78sywfm5duh58q8z0jfvxboi.pdf
  • FY2020 Annual Report (PDF): https://www.stockscans.in/document/237zcqy69ztxyyiwwo3f67ov.pdf

Concall Transcript Summaries — AU Small Finance Bank Ltd

  • Q1 FY2027 Concall Transcript Summary (Jun 2026): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202606/bgc59kv3hk8nlp5o9lmbhmkx.pdf
  • Q4 FY2026 Concall Transcript Summary (Mar 2026): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202603/vv12ri5v6vh6hdw3fsr0b2ek.pdf
  • Q3 FY2026 Concall Transcript Summary (Dec 2025): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202512/vhau2vi9gxid8i59l38qv1ad.pdf
  • Q2 FY2026 Concall Transcript Summary (Sep 2025): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202509/ybezmzn3ua98xzexkq6yhx4i.pdf
  • Q1 FY2026 Concall Transcript Summary (Jun 2025): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202506/c88r9wttzox24vwvly1wtizf.pdf
  • Q4 FY2025 Concall Transcript Summary (Mar 2025): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202503/02l2b5yd78jfzoe9ksk9hmjf.pdf
  • Q3 FY2025 Concall Transcript Summary (Dec 2024): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202412/c0jp7ddio3vij61nrmf92cvv.pdf
  • Q2 FY2025 Concall Transcript Summary (Sep 2024): https://www.stockscans.in/company/NSE%3AAUBANK/transcript-notes/202409/4zptf70cj485jx83p828ue11.pdf

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