AU Small Fin Bank Peer Comparison

NSE: AUBANK | BSE: 540611

₹864.00

₹-16.70 (-1.90%)

As on 30-Oct-2026IST

Market cap

₹64,953 Cr

Revenue (TTM)

₹20,661 Cr

P/E Ratio

20.6

P/B Ratio

Div. Yield

0.1 %

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	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Market cap (₹ Cr)	64,953	10,390	6,112	3,941	2,190
Interest Income (₹ Cr)	20,661	7,809	7,554	5,930	4,162
Net Interest Income (₹ Cr)	10,439.17	4,529.12	3,887.05	3,011.33	2,177.41
NIM (%)	5.80	8.40	--	7.50	--
RoA (%)	1.67	2.05	1.14	1.03	0.91
Price to Earnings	20.60	9.04	8.68	8.29	8.09
Price-To-Book	3.02	1.40	0.93	0.82	1.08

Income Statement (₹ Cr)

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Interest Earned	20,661.16	7,808.56	7,554.42	5,930.03	4,161.61
Other Income	2,914.15	1,153.77	1,099.53	966.13	932.33
Total Income	23,575.31	8,962.33	8,653.95	6,896.16	5,093.94
Interest Expended	10,222.00	3,279.44	3,667.37	2,918.70	1,984.20
Operating Expenses	7,837.31	3,586.74	3,469.84	2,649.39	1,904.56
Operating Profit before Prov. & Cont.	5,088.76	1,710.13	1,264.97	1,165.66	711.97
Provisions and Contingencies	1,331.46	569.48	593.21	852.96	847.44
Profit Before Tax	3,474.05	911.03	128.13	326.43	-228.40
Taxes	1,031.37	377.39	219.17	0.00	86.86
Profit after Tax	3,153.17	1,149.28	704.36	475.11	270.88
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	3,153.17	1,149.28	704.36	475.11	270.88

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Shareholder's Funds	21,809.60	7,531.91	6,553.15	4,920.65	2,027.20
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	1,70,460.05	50,643.01	52,482.72	38,220.80	28,465.63
Borrowings	14,238.64	3,025.53	6,885.81	5,247.91	1,783.67
Other Liabilities & Provisions	5,295.45	1,434.84	2,524.78	1,725.62	413.16
Total Liabilities	1,91,797.47	57,541.21	60,610.36	47,447.73	30,867.98

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash and Balance with Reserve Bank of India	6,970.76	2,911.01	6,028.71	3,051.64	872.85
Balances with Banks and Money at Call	3,893.85	70.84	938.26	282.78	186.13
Investments	47,529.73	13,125.76	12,246.50	10,062.07	6,369.93
Advances	1,48,507.80	44,753.26	46,751.47	35,445.41	23,334.94
Net Block	881.48	457.27	526.56	190.68	226.16
Other Assets	3,358.27	1,239.99	1,506.57	1,026.48	1,339.35
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	1,91,797.47	57,541.21	60,610.36	47,447.73	30,867.98

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Cash From Operating Activities	1,828.87	1,843.20	-3,315.83	593.64	-1,960.29
Cash Flow from Investing Activities	-5,090.15	-2,480.67	-185.42	-4,132.66	-191.67
Cash from Financing Activities	2,318.33	911.35	3,641.25	1,640.54	1,347.37
Net Cash Inflow / Outflow	-942.95	273.88	140.00	-1,898.47	-804.59

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Yield on Advances	13.88	17.43	15.89	15.82	16.38
Yield on Investments	6.79	7.23	8.45	5.60	7.71
Interest Spread	8.16	11.24	9.39	9.14	9.96
NIM (%)	5.80	8.40	0.00	7.50	0.00
ROE (%)	15.09	16.02	11.11	10.12	14.21
ROA (%)	1.67	2.05	1.14	1.03	0.91
Cost to Income Ratio	57.91	65.65	71.67	67.76	71.64

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Revenue Growth (%)	19.61	20.77	15.83	21.12	19.31
EBIT Growth (%)	11.09	1.24	-5.19	-1.87	27.80
Net Profit Growth (%)	45.05	175.64	872.17	15.58	145.82
EPS Growth (%)	44.27	174.26	871.17	15.07	145.76
Book Value Growth (%)	18.37	18.40	0.82	10.98	-8.48

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank
Price / Earnings	20.60	9.04	8.68	8.29	8.08
Price / Book Value	3.02	1.40	0.93	0.82	1.08
Dividend Yield (%)	0.12	0.00	0.00	0.00	0.00
EV/EBITDA	27.02	11.34	14.90	19.01	13.81
Market Cap (₹ Cr)	63,059.78	9,816.32	5,896.04	3,788.22	1,026.13

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.