AU Small Fin Bank Financials
NSE: AUBANK | BSE: 540611
₹1,058.90
₹4.20
(0.40%)
As on 11-Sep-2026IST
Market cap
₹79,455 Cr
Revenue (TTM)
₹19,561 Cr
P/E Ratio
27.8
P/B Ratio
3.9
Div. Yield
0.1 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
19,560.64
|
18,636.34
|
16,063.73
|
10,554.71
|
8,205.41
|
5,921.73
|
|
|
|
|
|
|
Other Income
|
2,856.55
|
2,977.94
|
2,526.31
|
1,697.14
|
1,034.46
|
993.69
|
|
|
|
|
|
|
Total Income
|
22,417.19
|
21,614.28
|
18,590.04
|
12,251.86
|
9,239.87
|
6,915.43
|
|
|
|
|
|
|
Interest Expended
|
9,797.13
|
9,523.66
|
8,052.15
|
5,397.63
|
3,780.13
|
2,687.61
|
|
|
|
|
|
|
Operating Expenses
|
7,408.04
|
7,001.86
|
5,957.22
|
4,464.80
|
3,440.27
|
2,412.77
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
5,212.02
|
5,088.76
|
4,580.68
|
2,389.42
|
2,019.48
|
1,815.04
|
|
|
|
|
|
|
Provisions and Contingencies
|
1,452.90
|
1,614.71
|
1,792.62
|
389.99
|
154.83
|
360.97
|
|
|
|
|
|
|
Profit Before Tax
|
3,759.13
|
3,474.05
|
2,788.06
|
1,999.43
|
1,864.65
|
1,454.07
|
|
|
|
|
|
|
Taxes
|
902.78
|
832.80
|
682.13
|
464.71
|
436.72
|
324.24
|
|
|
|
|
|
|
Profit after Tax
|
2,856.35
|
2,641.25
|
2,105.93
|
1,534.72
|
1,427.93
|
1,129.83
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
2,856.35
|
2,641.25
|
2,105.93
|
1,534.72
|
1,427.93
|
1,129.83
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | 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
|
19,973.52
|
17,166.28
|
12,559.53
|
10,977.34
|
7,514.01
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,52,661.16
|
1,52,661.16
|
1,24,268.54
|
87,182.12
|
69,364.99
|
52,584.62
|
|
|
|
|
|
|
Borrowings
|
13,871.55
|
13,871.54
|
11,659.90
|
5,479.37
|
6,298.65
|
5,990.78
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
5,291.24
|
5,291.24
|
4,750.94
|
4,204.65
|
3,575.14
|
2,988.39
|
|
|
|
|
|
|
Total Liabilities
|
1,91,797.47
|
1,91,797.47
|
1,57,845.67
|
1,09,425.67
|
90,216.12
|
69,077.80
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
6,973.26
|
6,973.26
|
8,604.62
|
4,638.01
|
8,916.09
|
5,753.41
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
1,550.15
|
1,550.15
|
861.74
|
1,738.32
|
509.08
|
175.11
|
|
|
|
|
|
|
Investments
|
44,793.65
|
44,793.65
|
37,847.52
|
27,133.37
|
20,072.01
|
15,306.50
|
|
|
|
|
|
|
Advances
|
1,34,275.63
|
1,34,275.63
|
1,07,092.48
|
73,162.65
|
58,421.54
|
46,095.26
|
|
|
|
|
|
|
Net Block
|
1,436.38
|
881.48
|
825.03
|
784.13
|
707.29
|
608.67
|
|
|
|
|
|
|
Other Assets
|
2,768.39
|
2,768.39
|
2,526.83
|
1,901.72
|
1,557.25
|
1,124.95
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,91,797.47
|
1,91,797.47
|
1,57,845.67
|
1,09,425.67
|
90,216.12
|
69,077.80
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
1,828.87
|
5,462.41
|
2,608.07
|
5,493.64
|
6,848.98
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-5,090.15
|
-5,931.47
|
-4,854.76
|
-4,319.50
|
-4,753.37
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
2,318.33
|
2,407.25
|
-802.15
|
2,322.52
|
-948.44
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-942.95
|
1,938.19
|
-3,048.84
|
3,496.66
|
1,147.18
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
38.03
|
35.30
|
28.29
|
22.93
|
21.42
|
17.94
|
|
|
|
|
|
|
Cash EPS (₹)
|
38.03
|
38.93
|
31.76
|
26.30
|
24.20
|
20.17
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
273.39
|
263.71
|
228.90
|
186.75
|
163.98
|
118.65
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.09
|
1.00
|
1.00
|
1.00
|
1.00
|
0.50
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
24.44
|
73.37
|
38.98
|
82.39
|
217.50
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-14.37
|
40.59
|
25.70
|
72.88
|
195.67
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
13.88
|
15.00
|
14.43
|
14.05
|
12.85
|
|
|
|
|
|
|
Yield on Investments
|
--
|
6.79
|
6.52
|
6.15
|
5.71
|
6.03
|
|
|
|
|
|
|
Interest Spread
|
--
|
8.16
|
9.08
|
8.60
|
9.05
|
8.26
|
|
|
|
|
|
|
NIM (%)
|
5.90
|
4.86
|
5.19
|
4.83
|
5.03
|
4.80
|
|
|
|
|
|
|
ROE (%)
|
14.92
|
14.36
|
14.26
|
13.10
|
15.52
|
16.56
|
|
|
|
|
|
|
ROA (%)
|
1.63
|
1.51
|
1.58
|
1.54
|
1.79
|
1.87
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
57.91
|
56.53
|
65.14
|
63.01
|
57.07
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
17.32
|
16.02
|
52.19
|
28.63
|
38.56
|
19.63
|
|
|
|
|
|
|
EBIT Growth (%)
|
11.45
|
11.09
|
91.71
|
18.32
|
11.26
|
-14.70
|
|
|
|
|
|
|
Net Profit Growth (%)
|
20.01
|
25.42
|
37.22
|
7.48
|
26.38
|
-3.49
|
|
|
|
|
|
|
EPS Growth (%)
|
30.18
|
24.79
|
23.33
|
7.09
|
19.38
|
-4.31
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
15.79
|
36.37
|
14.30
|
46.31
|
21.07
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
27.82
|
23.88
|
18.88
|
24.66
|
27.03
|
17.36
|
|
|
|
|
|
|
Price / Book Value
|
3.87
|
3.20
|
2.33
|
3.03
|
3.53
|
5.25
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.09
|
0.12
|
0.19
|
0.18
|
0.17
|
0.08
|
|
|
|
|
|
|
EV/EBITDA
|
16.57
|
15.12
|
11.23
|
18.13
|
22.23
|
24.92
|
|
|
|
|
|
|
Close Price (₹)
|
1,037.05
|
842.70
|
534.60
|
565.00
|
579.20
|
623.13
|
|
|
|
|
|
|
High Price (₹)
|
1,080.00
|
1,039.20
|
755.40
|
813.40
|
732.98
|
710.50
|
|
|
|
|
|
|
Low Price (₹)
|
682.15
|
498.05
|
478.35
|
553.65
|
538.80
|
455.00
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
79,454.72
|
63,059.78
|
39,768.98
|
37,844.98
|
38,594.14
|
39,232.06
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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