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26013.45

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:

84950.95

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Nifty
Sensex

:
:

26013.45
84950.95

103.40 (0.40%)
388.17 (0.46%)

AU Small Finance Bank Ltd.

Small Finance Bank

Rating :

81/99

BSE: 540611 | NSE: AUBANK

Watchlist

NSE BSE

912.70

17-Nov-2025

Open
High
Low
Previous Close

895
919.4
892.15
890.60

Volume
Traded Value (lacs)
52 Week High
52 Week Low

2325495
2122464103.1
922.9
478.35

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

68,100.59
31.33
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

71,155.87
0.11%
3.75

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

31.98
31.07
29.66

P:BV (Average)

8 Years
5 Years
3 Years

4.45
4.37
3.64

EV:EBITDA (Average)

8 Years
5 Years
3 Years

23.72
19.69
17.64

Earnings Forecasts:

(Updated: 08-11-2025)

Description 2024 2025 2026 2027
Adj EPS 28.32 34.76 46.57 57.83
P/E Ratio 32.23 26.26 19.60 15.78
Revenue 18590 12209.9 14834.9 17948
EBITDA 2788.05 5320 6582.87 8153.76
Net Income 2105.93 2592.62 3482.22 4346.92
ROA 1.58 1.49 1.68 1.72
P/B Ratio 3.57 3.49 2.97 2.51
ROE 14.17 14.13 16.24 17.19
FCFF -3080.37 -1303.03
FCFF Yield
Net Debt 2193.54 5104.3 6227.2 7784
BVPS 255.83 261.79 307.57 363.24

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 4,511.28 3,910.61 15.36% 4,378.44 3,769.04 16.17% 4,270.60 2,829.50 50.93% 4,113.48 2,735.82 50.36%
Expenses 1,647.28 1,480.56 11.26% 1,543.07 1,478.11 4.39% 1,562.33 1,228.50 27.17% 1,436.21 1,117.48 28.52%
EBITDA 2,864.01 2,430.05 17.86% 2,835.38 2,290.93 23.77% 2,708.27 1,601.00 69.16% 2,677.26 1,618.34 65.43%
EBIDTM 52.83% 52.60% 52.58% 53.28% 48.54% 52.42% 52.89% 53.62%
Other Income 712.58 637.96 11.70% 810.61 509.27 59.17% 760.67 541.01 40.60% 618.41 442.23 39.84%
Interest 2,366.87 1,936.25 22.24% 2,333.77 1,848.46 26.25% 2,176.68 1,492.47 45.84% 2,090.77 1,410.95 48.18%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 728.89 758.78 -3.94% 778.90 668.89 16.45% 657.15 454.84 44.48% 703.23 498.15 41.17%
Tax 168.02 187.57 -10.42% 198.05 166.32 19.08% 153.45 84.10 82.46% 174.78 122.90 42.21%
PAT 560.87 571.21 -1.81% 580.86 502.57 15.58% 503.70 370.74 35.86% 528.45 375.25 40.83%
PATM 12.43% 14.61% 13.27% 13.33% 11.79% 13.10% 12.85% 13.72%
EPS 7.52 7.66 -1.83% 7.79 6.74 15.58% 6.75 4.97 35.81% 7.08 5.03 40.76%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 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

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 17,273.80 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 30.42% 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 17,273.80 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 6,188.89 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 11,084.92 261.74 302.28 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 64.17% 1.63% 2.86% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 2,902.27 2,526.31 1,697.14 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Interest 8,968.09 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 2,868.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 694.30 682.13 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 24.21% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 2,173.88 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 2,173.88 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 12.58% 13.11% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 19.46% 37.22% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 29.14 28.23 20.57 19.14 15.14 15.69 9.04 5.12 3.91 11.02

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 - 10.20

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

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

Right to Left

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

Right to Left

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

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Annual Reports:

News Update:

AU Small Fin. Bank - Quarterly Results
18th Oct 2025, 00:00 AM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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