AU Small Finance Bank Ltd

AU Small Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

AU Small Finance Bank Ltd

₹ 682 0.15%
25 Apr 9:10 a.m.
aubank.in BSE: 540611 NSE: AUBANK
About

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]

Key Points

Business Segments
Retail Banking: 76% in 9M FY25 vs 79% in FY22
Treasury: 13% in 9M FY25 vs 15% in FY22
Wholesale Banking: 9% in 9M FY25 vs 5% in FY22
Others: 2% in 9M FY25 vs 1% in FY22 [1] [2]

Website BSE NSE
  • Market Cap ₹ 50,773 Cr.
  • Current Price ₹ 682
  • High / Low ₹ 755 / 478
  • Stock P/E 24.1
  • Book Value ₹ 229
  • Dividend Yield 0.15 %
  • ROCE 8.40 %
  • ROE 14.2 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 25.5% CAGR over last 5 years
  • Company's median sales growth is 38.1% of last 10 years

Cons

  • Stock is trading at 2.98 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last 3 years: -5.36%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
1,667 1,820 1,992 2,118 2,275 2,458 2,531 2,736 2,830 3,769 3,911 4,113 4,271
Interest 730 844 909 965 1,062 1,212 1,282 1,411 1,492 1,848 1,936 2,091 2,177
859 779 875 925 1,016 1,048 1,122 1,269 1,346 1,761 1,854 1,938 2,197
Financing Profit 78 197 208 228 197 198 127 56 -9 160 121 85 -104
Financing Margin % 5% 11% 10% 11% 9% 8% 5% 2% -0% 4% 3% 2% -2%
311 159 247 295 333 315 406 442 464 509 638 618 761
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 389 356 456 523 530 513 533 498 455 669 759 703 657
Tax % 11% 25% 25% 25% 20% 25% 25% 25% 18% 25% 25% 25% 23%
346 268 343 393 425 387 402 375 371 503 571 528 504
EPS in Rs 5.49 4.25 5.15 5.89 6.37 5.80 6.01 5.61 5.54 6.76 7.68 7.10 6.77
Gross NPA % 1.98% 1.96% 1.90% 1.81% 1.66% 1.76% 1.91% 1.98% 1.67% 1.78% 1.98% 2.31% 2.28%
Net NPA % 0.50% 0.56% 0.56% 0.51% 0.42% 0.55% 0.60% 0.68% 0.55% 0.63% 0.75% 0.91% 0.74%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
611 704 1,010 1,280 1,767 2,949 4,286 4,950 5,922 8,205 10,555 16,064
Interest 289 282 395 496 827 1,607 2,377 2,585 2,688 3,780 5,398 8,052
184 209 289 766 832 1,163 1,612 2,224 2,634 3,410 4,678 7,750
Financing Profit 137 212 326 18 109 180 296 142 601 1,016 479 262
Financing Margin % 22% 30% 32% 1% 6% 6% 7% 3% 10% 12% 5% 2%
4 2 5 810 388 462 706 1,421 994 1,034 1,746 2,526
Depreciation 3 7 9 6 53 62 89 104 140 185 225 0
Profit before tax 138 208 323 822 443 580 914 1,458 1,454 1,865 1,999 2,788
Tax % 33% 33% 34% 0% 34% 34% 26% 20% 22% 23% 23% 24%
92 140 212 822 292 382 675 1,171 1,130 1,428 1,535 2,106
EPS in Rs 10.68 15.90 23.99 14.46 5.11 6.53 11.09 18.75 17.94 21.42 22.93 28.29
Dividend Payout % 0% 0% 0% 0% 5% 6% 0% 0% 1% 5% 4% 4%
Compounded Sales Growth
10 Years: 37%
5 Years: 30%
3 Years: 39%
TTM: 52%
Compounded Profit Growth
10 Years: 31%
5 Years: 26%
3 Years: 23%
TTM: 37%
Stock Price CAGR
10 Years: %
5 Years: 21%
3 Years: -1%
1 Year: 12%
Return on Equity
10 Years: 17%
5 Years: 15%
3 Years: 14%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 43 44 44 284 286 292 304 312 315 667 669 745
Reserves 598 767 965 1,703 1,995 2,871 4,073 5,963 7,199 10,311 11,890 16,298
Deposits 0 0 7,923 19,422 26,164 35,979 52,585 69,365 87,182 124,269
Borrowing 2,130 2,878 4,783 7,120 7,639 8,613 10,335 7,030 5,991 6,299 5,479 11,660
242 346 502 674 989 1,424 1,267 2,307 2,988 3,575 4,205 4,875
Total Liabilities 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216 109,426 157,846
17 19 24 36 380 440 438 477 609 707 784 912
CWIP 0 0 0 240 6 7 10 5 14 33 67 0
Investments 114 140 232 2,150 3,051 7,162 10,668 10,815 15,306 20,072 27,133 37,848
2,883 3,877 6,038 7,355 15,396 25,014 31,027 40,294 53,149 69,404 81,441 119,086
Total Assets 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216 109,426 157,846

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-570 -747 -1,938 -2,405 2,505 848 660 5,056 6,849 5,494 2,608 5,462
611 -23 -33 552 -1,890 -2,305 -1,267 -990 -4,753 -4,320 -4,855 -5,931
-266 782 1,964 2,448 521 1,436 2,237 -2,655 -948 2,323 -802 2,407
Net Cash Flow -225 12 -7 596 1,136 -21 1,629 1,412 1,147 3,497 -3,049 1,938

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 17% 19% 23% 55% 14% 14% 18% 22% 16% 15% 13% 14%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
28.21% 25.59% 25.55% 25.54% 25.53% 25.48% 25.47% 25.45% 22.92% 22.91% 22.89% 22.87%
35.07% 38.55% 39.61% 39.74% 41.61% 41.64% 41.13% 39.37% 39.58% 40.71% 39.34% 35.58%
18.41% 21.28% 20.64% 20.62% 19.25% 19.56% 20.81% 22.77% 18.44% 20.13% 21.78% 27.16%
18.31% 14.58% 14.21% 14.09% 13.63% 13.31% 12.63% 12.40% 19.06% 16.23% 15.99% 14.39%
No. of Shareholders 1,77,4001,88,5071,79,0821,70,1091,63,5521,59,0371,55,6602,30,1721,95,7621,74,1011,89,4951,92,987

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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