AU Small Finance Bank, 540611, AUBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

55,096.21
25.22
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

58,151.49
0.14%
3.13

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
26.55
25.10

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
47.44
-20.61

PAT CAGR (%)

10 Years
5 Years
3 Years

-
12.46
13.83

P:E (Median)

8 Years
5 Years
3 Years

32.03
31.26
30.46

P:BV (Average)

8 Years
5 Years
3 Years

4.50
4.46
3.72

EV:EBITDA (Average)

8 Years
5 Years
3 Years

24.09
20.26
18.85

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 22.98 28.32 36.3 47.26
P/E Ratio 32.16 26.09 20.36 15.64
Revenue 12301 18590 12674 15517
EBITDA 5716
Net Income 1535 2106 2679 3508
ROA 1.5 1.6 1.6 1.7
P/B Ratio 3.94 3.20 2.81 2.39
ROE 13.04 14.17 14.6 16.26
FCFF
FCFF Yield
Net Debt -897 2194 5104 6227
BVPS 187.69 230.6 263.28 308.86

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 4,378.44 3,769.04 16.17% 4,270.60 2,829.50 50.93% 4,113.48 2,735.82 50.36% 3,910.61 2,531.05 54.51%
Expenses 1,543.07 1,478.11 4.39% 1,562.33 1,228.50 27.17% 1,436.21 1,117.48 28.52% 1,480.56 1,026.73 44.20%
EBITDA 2,835.38 2,290.93 23.77% 2,708.27 1,601.00 69.16% 2,677.26 1,618.34 65.43% 2,430.05 1,504.32 61.54%
EBIDTM 52.58% 53.28% 48.54% 52.42% 52.89% 53.62% 52.60% 55.67%
Other Income 810.61 509.27 59.17% 760.67 541.01 40.60% 618.41 442.23 39.84% 637.96 406.42 56.97%
Interest 2,333.77 1,848.46 26.25% 2,176.68 1,492.47 45.84% 2,090.77 1,410.95 48.18% 1,936.25 1,282.09 51.02%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 778.90 668.89 16.45% 657.15 454.84 44.48% 703.23 498.15 41.17% 758.78 533.38 42.26%
Tax 198.05 166.32 19.08% 153.45 84.10 82.46% 174.78 122.90 42.21% 187.57 131.55 42.58%
PAT 580.86 502.57 15.58% 503.70 370.74 35.86% 528.45 375.25 40.83% 571.21 401.83 42.15%
PATM 13.27% 13.33% 11.79% 13.10% 12.85% 13.72% 14.61% 15.88%
EPS 7.79 6.74 15.58% 6.76 4.98 35.74% 7.09 5.04 40.67% 7.67 5.39 42.30%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 16,673.13 16,063.73 10,554.71 8,205.41 5,921.73 4,950.05 4,285.88 2,949.13 1,767.19 1,280.00 Net Sales Growth 40.52% 52.19% 28.63% 38.56% 19.63% 15.50% 45.33% 66.88% 38.06% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 16,673.13 16,063.73 10,554.71 8,205.41 5,921.73 4,950.05 4,285.88 2,949.13 1,767.19 1,280.00 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 6,022.17 15,801.99 10,252.43 7,375.23 5,461.35 4,912.48 4,078.00 2,830.91 1,711.90 946.61 Power & Fuel Cost - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 3,147.76 2,103.68 1,793.03 1,378.92 980.17 759.62 601.11 424.89 192.78 % Of Sales - 19.60% 19.93% 21.85% 23.29% 19.80% 17.72% 20.38% 24.04% 15.06% Manufacturing Exp. - 5,957.22 4,464.80 3,440.27 2,412.77 1,658.43 1,417.86 1,082.61 752.61 352.83 % Of Sales - 37.08% 42.30% 41.93% 40.74% 33.50% 33.08% 36.71% 42.59% 27.56% General & Admin Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 1,792.62 389.99 154.83 360.97 669.44 283.20 141.78 132.56 97.47 % Of Sales - 11.16% 3.69% 1.89% 6.10% 13.52% 6.61% 4.81% 7.50% 7.61% EBITDA 10,650.96 261.74 302.28 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 63.88% 1.63% 2.86% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 2,827.65 2,526.31 1,697.14 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Interest 8,537.47 8,052.15 5,397.63 3,780.13 2,687.61 2,584.61 2,376.94 1,606.53 826.73 496.31 Depreciation 0.00 258.51 225.44 185.42 140.17 104.37 88.62 61.75 53.25 5.78 PBT 2,898.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 713.85 682.13 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 24.63% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 2,184.22 2,105.93 1,534.72 1,427.93 1,129.83 1,170.68 674.78 381.81 292.04 821.98 PAT before Minority Interest 2,184.22 2,105.93 1,534.72 1,427.93 1,129.83 1,170.68 674.78 381.81 292.04 821.98 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 13.10% 13.11% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 32.35% 37.22% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 29.31 28.26 20.59 19.16 15.16 15.71 9.06 5.12 3.92 11.03

Description TTM Mar 17
Net Sales - 1,429.47 Net Sales Growth - Cost Of Goods Sold - 0.00 Gross Profit - 1,429.47 GP Margin - 100% Total Expenditure - 503.51 Power & Fuel Cost - 3.71 % Of Sales - 0.26% Employee Cost - 185.13 % Of Sales - 12.95% Manufacturing Exp. - 88.89 % Of Sales - 6.22% General & Admin Exp. - 61.84 % Of Sales - 4.33% Selling & Distn. Exp. - 0.00 % Of Sales - 0% Miscellaneous Exp. - 167.65 % Of Sales - 11.73% EBITDA - 925.96 EBITDA Margin - 64.78% Other Income - 97.87 Interest - 531.35 Depreciation - 6.09 PBT - 486.39 Tax - 321.37 Tax Rate - 29.70% PAT - 760.85 PAT before Minority Interest - 760.85 Minority Interest - 0.00 PAT Margin - 53.23% PAT Growth - EPS - 10.21

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 17,166.28 12,559.53 10,977.34 7,514.01 6,275.22 4,376.81 3,162.89 2,281.18 1,987.59 Share Capital 744.53 669.16 666.75 314.90 312.21 304.12 292.36 285.70 284.25 Total Reserves 16,297.52 11,827.64 10,266.57 7,157.78 5,859.89 4,020.56 2,652.59 1,977.98 1,697.19 Non-Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Liabilities 17,166.28 12,559.53 10,977.34 7,514.01 6,275.22 4,376.81 3,162.89 2,281.18 1,987.59 Net Block 825.03 784.13 707.29 608.67 477.37 438.26 439.68 380.38 35.98 Gross Block 1,948.37 1,587.06 1,340.48 1,061.02 796.68 658.98 576.62 461.36 65.83 Accumulated Depreciation 1,123.35 802.93 633.19 452.35 319.30 220.72 136.95 80.98 29.85 Non Current Assets 38,759.99 27,984.96 20,812.15 15,929.08 11,297.78 11,116.21 7,608.70 3,436.68 2,426.16 Capital Work in Progress 87.44 67.46 32.85 13.90 5.00 9.74 7.35 5.71 239.87 Non Current Investment 37,847.52 27,133.37 20,072.01 15,306.50 10,815.41 10,668.22 7,161.67 3,050.59 2,150.31 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Assets 38,759.99 27,984.96 20,812.15 15,929.08 11,297.78 11,116.21 7,608.70 3,436.68 2,426.16

Description Mar 17
Shareholder's Funds 1,987.59 Share Capital 284.25 Total Reserves 1,697.19 Non-Current Liabilities 5,052.51 Secured Loans 3,861.74 Unsecured Loans 1,075.00 Long Term Provisions 68.57 Current Liabilities 2,759.66 Trade Payables 0.00 Other Current Liabilities 1,757.96 Short Term Borrowings 994.05 Short Term Provisions 7.65 Total Liabilities 9,799.76 Net Block 35.98 Gross Block 65.83 Accumulated Depreciation 29.85 Non Current Assets 5,446.58 Capital Work in Progress 239.87 Non Current Investment 615.22 Long Term Loans & Adv. 19.46 Other Non Current Assets 18.28 Current Assets 4,353.18 Current Investments 1,535.10 Inventories 0.00 Sundry Debtors 0.00 Cash & Bank 624.50 Other Current Assets 2,193.59 Short Term Loans & Adv. 2,123.79 Net Current Assets 1,593.52 Total Assets 9,799.76

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 5,462.41 2,608.07 5,493.64 6,848.98 5,056.10 659.57 847.78 2,504.77 -2,404.86 PBT 2,788.05 1,999.43 1,864.64 1,454.07 1,458.51 913.98 580.13 443.35 1,143.34 Adjustment 2,438.95 790.94 447.28 605.55 777.20 387.35 223.94 176.46 35.40 Changes in Working Capital 903.08 306.13 3,551.66 5,174.22 3,134.72 -372.83 236.69 2,039.12 -3,263.21 Cash after chg. in Working capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -667.67 -488.43 -369.93 -384.86 -314.33 -268.92 -192.98 -154.16 -320.39 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -5,931.47 -4,854.76 -4,319.50 -4,753.37 -989.74 -1,267.45 -2,304.59 -1,889.55 552.44 Net Fixed Assets -381.29 -281.19 -298.41 -273.24 -132.96 -84.75 -116.90 -161.37 Net Investments -10,714.15 -7,061.36 -4,765.51 -4,491.09 -147.19 -3,506.55 -4,111.08 -900.28 Others 5,163.97 2,487.79 744.42 10.96 -709.59 2,323.85 1,923.39 -827.90 Cash from Financing Activity 2,407.25 -802.15 2,322.52 -948.44 -2,654.70 2,237.36 1,435.79 521.04 2,447.97 Net Cash Inflow / Outflow 1,938.19 -3,048.84 3,496.66 1,147.18 1,411.66 1,629.49 -21.03 1,136.26 595.55 Opening Cash & Equivalents 6,376.33 9,425.17 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96 29.41 Closing Cash & Equivalent 9,466.36 6,376.33 9,425.17 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96

Description Mar 17
Cash From Operating Activity 884.30 PBT 1,082.21 Adjustment -579.19 Changes in Working Capital 701.41 Cash after chg. in Working capital 1,204.43 Interest Paid 0.00 Tax Paid -320.13 Other Direct Exp. Paid 0.00 Extra & Other Items 0.00 Cash From Investing Activity -1,800.22 Net Fixed Assets Net Investments Others Cash from Financing Activity 1,021.53 Net Cash Inflow / Outflow 105.62 Opening Cash & Equivalents 336.13 Closing Cash & Equivalent 441.75

Financial Ratios

Standalone /

Consolidated

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 228.90 186.75 163.98 118.65 98.84 142.20 100.73 79.23 69.71 ROA 1.58% 1.54% 1.79% 1.87% 2.50% 1.81% 1.48% 2.04% 8.40% ROE 14.26% 13.10% 15.52% 16.56% 22.31% 18.56% 14.66% 13.76% 41.48% ROCE 15.45% 13.96% 14.98% 14.01% 15.60% 12.73% 11.87% 11.71% 18.00% Fixed Asset Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23.99 Receivable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Debt/Equity 0.68 0.44 0.58 0.80 1.14 2.39 2.92 3.37 3.59 Interest Cover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.29

Description Mar 17
Book Value (Rs.) 69.71 ROA 8.59% ROE 49.96% ROCE 19.73% Fixed Asset Turnover 23.15 Receivable days 0.00 Inventory Days 0.00 Payable days 0.00 Cash Conversion Cycle 0.00 Total Debt/Equity 3.57 Interest Cover 3.04

Top Investors:

hdfc mutual fund - hdfc mid-cap fund

camas investments pte. ltd.

nippon life india trustee ltd-a/c nippon india growth fund

new world fund inc

smallcap world fund, inc

dsp midcap fund

aditya birla sun life trustee private limited a/c aditya birla sun life flexi cap fund

uttam tibrewal

sbi life insurance co. ltd

nomura india investment fund mother fund

Annual Reports:

News Update:

AU Small Finance Bank gets RBI’s in-principle nod to become Universal Bank
8th Aug 2025, 10:30 AM

This regulatory approval is a strong validation of AU’s robust business model, sound governance, and enduring commitment to financial inclusion
Read More
AU Small Finance Bank enters into strategic corporate agency partnership with SBI Life Insurance
4th Aug 2025, 14:30 PM

With this alliance, AU SFB will distribute SBI Life’s comprehensive portfolio of life insurance solutions, including protection, savings & investments, child, money back, retirement etc
Read More
AU Small Finance Bank reports 16% rise in Q1 net profit
21st Jul 2025, 10:30 AM

The total income of the bank increased by 21.29% at Rs 5189.05 crore for Q1FY26
Read More
AU Small Finance Bank enters into partnership with Life Insurance Corporation of India
30th Jun 2025, 15:41 PM

The collaboration supports the national vision of ‘Insurance for All by 2047’, aimed at deepening insurance penetration and financial protection
Read More

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update:

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Standalone Figures in Rs. Crores /

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update: