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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

73,249.19
27.73
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

76,304.47
0.10%
3.67

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

32.24
31.10
29.55

P:BV (Average)

8 Years
5 Years
3 Years

4.40
4.15
3.61

EV:EBITDA (Average)

8 Years
5 Years
3 Years

23.10
19.01
16.10

Earnings Forecasts:

(Updated: 23-05-2026)

Description 2024 2025 2026 2027
Adj EPS 34.53 47.38 59.55 74.68
P/E Ratio 28.32 20.64 16.42 13.09
Revenue 12125.8 14889.6 18017.8 21913.4
EBITDA 5144.22 6537.59 8107.41 10106.1
Net Income 2572.96 3560.1 4462.2 5546.94
ROA 1.5 1.69 1.76 1.8
P/B Ratio 3.73 3.14 2.65 2.22
ROE 13.99 16.43 17.4 18.22
FCFF -3085.15 -228.83
FCFF Yield
Net Debt 7288.3 8624.5 10328.5
BVPS 262 311.68 369.34 440.55

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Net Sales 5,019.15 4,270.60 17.53% 4,727.47 4,113.48 14.93% 4,511.28 3,910.61 15.36% 4,378.44 3,769.04 16.17%
Expenses 1,961.77 1,562.33 25.57% 1,849.75 1,436.21 28.79% 1,647.28 1,480.56 11.26% 1,543.07 1,478.11 4.39%
EBITDA 3,057.38 2,708.27 12.89% 2,877.71 2,677.26 7.49% 2,864.01 2,430.05 17.86% 2,835.38 2,290.93 23.77%
EBIDTM 55.55% 48.54% 53.87% 52.89% 52.83% 52.60% 52.58% 53.28%
Other Income 730.95 760.67 -3.91% 723.80 618.41 17.04% 712.58 637.96 11.70% 810.61 509.27 59.17%
Interest 2,436.82 2,176.68 11.95% 2,386.20 2,090.77 14.13% 2,366.87 1,936.25 22.24% 2,333.77 1,848.46 26.25%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 1,082.08 657.15 64.66% 884.17 703.23 25.73% 728.89 758.78 -3.94% 778.90 668.89 16.45%
Tax 250.21 153.45 63.06% 216.51 174.78 23.88% 168.02 187.57 -10.42% 198.05 166.32 19.08%
PAT 831.87 503.70 65.15% 667.66 528.45 26.34% 560.87 571.21 -1.81% 580.86 502.57 15.58%
PATM 16.57% 11.79% 14.12% 12.85% 12.43% 14.61% 13.27% 13.33%
EPS 11.12 6.73 65.23% 8.92 7.06 26.35% 7.50 7.63 -1.70% 7.76 6.72 15.48%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 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 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 Gross Profit 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% Total Expenditure 7,001.87 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 11,634.48 261.74 302.28 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 62.43% 1.63% 2.86% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 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 9,523.66 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 0.00 258.51 225.44 185.42 140.17 104.37 88.62 61.75 53.25 5.78 PBT 3,474.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 832.79 682.13 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 23.97% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 2,641.26 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 2,641.26 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 14.17% 13.11% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 25.42% 37.22% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 35.30 28.14 20.51 19.08 15.10 15.64 9.02 5.10 3.90 10.98

Results Balance Sheet

Standalone Figures in Rs. Crores

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

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:

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uttam tibrewal

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kotak flexicap fund

Annual Reports:

News Update:

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 reports 65% surge in Q4FY26 net profit
28th Apr 2026, 11:17 AM

Total income of the bank increased by 14.29% at Rs 5,750.10 crore for Q4FY26
Read More
AU Small Fin. Bank - Quarterly Results
28th Apr 2026, 00:00 AM

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: