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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

74,743.13
32.31
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

77,798.41
0.10%
3.97

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

32.29
31.15
29.66

P:BV (Average)

8 Years
5 Years
3 Years

4.43
4.28
3.62

EV:EBITDA (Average)

8 Years
5 Years
3 Years

23.37
19.30
16.80

Earnings Forecasts:

(Updated: 14-02-2026)

Description 2024 2025 2026 2027
Adj EPS 28.32 34.52 46.78 58.92
P/E Ratio 35.30 28.96 21.37 16.97
Revenue 18590 12122.6 14878.5 18104.7
EBITDA 2788.05 5139.71 6467.46 8077.23
Net Income 2105.93 2569.36 3493.53 4403.78
ROA 1.58 1.5 1.68 1.77
P/B Ratio 3.91 3.81 3.24 2.74
ROE 14.17 14 16.25 17.39
FCFF -2876.35 -2606.69
FCFF Yield
Net Debt 2193.54 7304.1 8791.7 10612.3
BVPS 255.83 262.74 308.71 365.35

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 4,727.47 4,113.48 14.93% 4,511.28 3,910.61 15.36% 4,378.44 3,769.04 16.17% 4,270.60 2,829.50 50.93%
Expenses 1,849.75 1,436.21 28.79% 1,647.28 1,480.56 11.26% 1,543.07 1,478.11 4.39% 1,562.33 1,228.50 27.17%
EBITDA 2,877.71 2,677.26 7.49% 2,864.01 2,430.05 17.86% 2,835.38 2,290.93 23.77% 2,708.27 1,601.00 69.16%
EBIDTM 53.87% 52.89% 52.83% 52.60% 52.58% 53.28% 48.54% 52.42%
Other Income 723.80 618.41 17.04% 712.58 637.96 11.70% 810.61 509.27 59.17% 760.67 541.01 40.60%
Interest 2,386.20 2,090.77 14.13% 2,366.87 1,936.25 22.24% 2,333.77 1,848.46 26.25% 2,176.68 1,492.47 45.84%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 884.17 703.23 25.73% 728.89 758.78 -3.94% 778.90 668.89 16.45% 657.15 454.84 44.48%
Tax 216.51 174.78 23.88% 168.02 187.57 -10.42% 198.05 166.32 19.08% 153.45 84.10 82.46%
PAT 667.66 528.45 26.34% 560.87 571.21 -1.81% 580.86 502.57 15.58% 503.70 370.74 35.86%
PATM 14.12% 12.85% 12.43% 14.61% 13.27% 13.33% 11.79% 13.10%
EPS 8.94 7.07 26.45% 7.51 7.64 -1.70% 7.77 6.73 15.45% 6.74 4.96 35.89%

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

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 17,887.79 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 22.33% 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 17,887.79 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 6,602.43 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 11,285.37 261.74 302.28 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 63.09% 1.63% 2.86% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 3,007.66 2,526.31 1,697.14 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Interest 9,263.52 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 3,049.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 736.03 682.13 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 24.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 2,313.09 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 2,313.09 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 12.93% 13.11% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 17.24% 37.22% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 30.96 28.18 20.54 19.11 15.12 15.67 9.03 5.11 3.91 11.00

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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Annual Reports:

News Update:

AU Small Fin. Bank - Quarterly Results
21st Jan 2026, 00:00 AM

Read More
AU Small Finance Bank reports 23% rise in total deposits during Q3FY26
5th Jan 2026, 11:51 AM

CASA Deposits stood at Rs 39,950 crore as of December 31, 2025
Read More
AU Small Finance Bank gets nod for increase in foreign investment limit
10th Dec 2025, 12:22 PM

The bank has received approval from Department of Financial Services, Ministry of Finance on December 9, 2025
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: