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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

83,467.30
29.22
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

90,365.59
0.09%
4.07

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

30.71
25.77
20.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

4.06
1.51
10.42

PAT CAGR (%)

10 Years
5 Years
3 Years

12.38
18.51
19.84

P:E (Median)

8 Years
5 Years
3 Years

31.86
30.90
28.78

P:BV (Average)

8 Years
5 Years
3 Years

4.38
4.05
3.55

EV:EBITDA (Average)

8 Years
5 Years
3 Years

22.61
18.78
15.33

Earnings Forecasts:

(Updated: 22-08-2026)

Description 2026 2027 2028 2029
Adj EPS 85 -8 31.2 34.53
P/E Ratio 13.11 -139.25 35.71 32.26
Revenue 22.42 17.78 14.2 12125.8
EBITDA 14851.6 17990.3 21822.8 5144.22
Net Income 6520.43 8104.98 10067.7 2572.96
ROA 3536.2 4455.11 5544.38 1.5
P/B Ratio 0.13 0.11 - 4.25
ROE 3.41 2.88 2.41 13.99
FCFF 16.32 17.37 18.22 -
FCFF Yield - -2508.51 -395.69 -
Net Debt - - - 7288.3
BVPS 8624.5 10328.5 - 262

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Net Sales 5,302.74 4,378.44 21.11% 5,019.15 4,270.60 17.53% 4,727.47 4,113.48 14.93% 4,511.28 3,910.61 15.36%
Expenses 1,949.24 1,543.07 26.32% 1,961.77 1,562.33 25.57% 1,849.75 1,436.21 28.79% 1,647.28 1,480.56 11.26%
EBITDA 3,353.50 2,835.38 18.27% 3,057.38 2,708.27 12.89% 2,877.71 2,677.26 7.49% 2,864.01 2,430.05 17.86%
EBIDTM 56.24% 52.58% 55.55% 48.54% 53.87% 52.89% 52.83% 52.60%
Other Income 689.22 810.61 -14.98% 730.95 760.67 -3.91% 723.80 618.41 17.04% 712.58 637.96 11.70%
Interest 2,607.24 2,333.77 11.72% 2,436.82 2,176.68 11.95% 2,386.20 2,090.77 14.13% 2,366.87 1,936.25 22.24%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 1,063.99 778.90 36.60% 1,082.08 657.15 64.66% 884.17 703.23 25.73% 728.89 758.78 -3.94%
Tax 268.03 198.05 35.33% 250.21 153.45 63.06% 216.51 174.78 23.88% 168.02 187.57 -10.42%
PAT 795.95 580.86 37.03% 831.87 503.70 65.15% 667.66 528.45 26.34% 560.87 571.21 -1.81%
PATM 15.01% 13.27% 16.57% 11.79% 14.12% 12.85% 12.43% 14.61%
EPS 10.63 7.76 36.98% 11.11 6.72 65.33% 8.91 7.06 26.20% 7.49 7.63 -1.83%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 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

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 19,560.64 18,636.34 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 17.32% 16.02% 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 0.00 Gross Profit 19,560.64 18,636.34 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% 100% Total Expenditure 7,408.04 18,140.22 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 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 3,848.16 3,147.76 2,103.68 1,793.03 1,378.92 980.17 759.62 601.11 424.89 192.78 % Of Sales - 20.65% 19.60% 19.93% 21.85% 23.29% 19.80% 17.72% 20.38% 24.04% 15.06% Manufacturing Exp. - 7,001.86 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 - 37.57% 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 0.00 % Of Sales - 0% 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 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 1,614.71 1,792.62 389.99 154.83 360.97 669.44 283.20 141.78 132.56 0.00 % Of Sales - 8.66% 11.16% 3.69% 1.89% 6.10% 13.52% 6.61% 4.81% 7.50% 7.61% EBITDA 12,152.60 496.12 261.74 302.28 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 62.13% 2.66% 1.63% 2.86% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 2,856.55 2,977.94 2,526.31 1,697.14 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Interest 9,797.13 9,523.66 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 0.00 271.51 258.51 225.44 185.42 140.17 104.37 88.62 61.75 53.25 5.78 PBT 3,759.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 902.77 832.80 682.13 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 24.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 2,856.35 2,641.25 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 2,856.35 2,641.25 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 0.00 PAT Margin 14.60% 14.17% 13.11% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 30.77% 25.42% 37.22% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 38.14 35.26 28.12 20.49 19.06 15.08 15.63 9.01 5.10 3.90 10.97

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 19,973.52 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 748.27 744.53 669.16 666.75 314.90 312.21 304.12 292.36 285.70 284.25 Total Reserves 18,984.50 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 0.00 Secured Loans 0.00 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 0.00 Long Term Provisions 0.00 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 0.00 Trade Payables 0.00 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 0.00 Short Term Borrowings 0.00 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 0.00 Total Liabilities 19,973.52 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 881.48 825.03 784.13 707.29 608.67 477.37 438.26 439.68 380.38 35.98 Gross Block 2,173.05 1,948.37 1,587.06 1,340.48 1,061.02 796.68 658.98 576.62 461.36 65.83 Accumulated Depreciation 1,291.56 1,123.35 802.93 633.19 452.35 319.30 220.72 136.95 80.98 29.85 Non Current Assets 46,230.03 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 554.90 87.44 67.46 32.85 13.90 5.00 9.74 7.35 5.71 239.87 Non Current Investment 44,793.65 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 0.00 Other Non Current Assets 0.00 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 0.00 Current Investments 0.00 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 0.00 Sundry Debtors 0.00 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 0.00 Other Current Assets 0.00 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 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Assets 46,230.03 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

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 1,828.87 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 3,474.05 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 2,508.34 2,419.76 790.94 447.28 605.55 777.20 387.35 223.94 176.46 35.40 Changes in Working Capital -3,179.51 922.26 306.13 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 0.00 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -974.01 -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 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -5,090.15 -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 -692.14 -381.29 -281.19 -298.41 -273.24 -132.96 -84.75 -116.90 -161.37 Net Investments -6,946.13 -10,714.15 -7,061.36 -4,765.51 -4,491.09 -147.19 -3,506.55 -4,111.08 -900.28 Others 2,548.12 5,163.97 2,487.79 744.42 10.96 -709.59 2,323.85 1,923.39 -827.90 Cash from Financing Activity 2,318.33 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 -942.95 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 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 29.41 Closing Cash & Equivalent 8,523.41 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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 263.71 228.90 186.75 163.98 118.65 98.84 142.20 100.73 79.23 69.71 ROA 1.51% 1.58% 1.54% 1.79% 1.87% 2.50% 1.81% 1.48% 2.04% 8.40% ROE 14.36% 14.26% 13.10% 15.52% 16.56% 22.31% 18.56% 14.66% 13.76% 41.48% ROCE 14.17% 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 0.00 23.99 Receivable days 0.00 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 0.00 Payable days 0.00 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 0.00 Total Debt/Equity 0.70 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 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:

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hdfc life insurance company limited

Annual Reports:

News Update:

AU Small Fin. Bank - Quarterly Results
26th Jul 2026, 00:00 AM

Read More
AU Small Finance Bank collaborates with Intellect Design Arena
19th May 2026, 11:19 AM

The bank aims to accelerate its journey towards becoming an AI-first bank and build a scalable, technology-led banking franchise powered by enterprise-wide intelligence
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: