AU Small Fin Bank Peer Comparison

NSE: AUBANK | BSE: 540611

₹987.00

₹-23.30 (-2.31%)

As on 01-Oct-2026IST

Market cap

₹74,431 Cr

Revenue (TTM)

₹19,561 Cr

P/E Ratio

26.1

P/B Ratio

3.6

Div. Yield

0.1 %

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	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Market cap (₹ Cr)	74,431	12,742	7,843	5,111	2,395
Interest Income (₹ Cr)	19,561	7,338	7,106	5,648	3,381
Net Interest Income (₹ Cr)	9,763.51	4,202.39	3,635.01	2,811.29	1,497.01
NIM (%)	5.90	8.50	7.24	7.50	6.10
RoA (%)	1.63	1.72	0.90	0.88	-3.32
Price to Earnings	26.06	14.07	15.36	13.46	--
Price-To-Book	3.63	1.81	1.25	1.11	0.89

Income Statement (₹ Cr)

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Interest Earned	19,560.64	7,337.51	7,105.77	5,648.03	3,381.44
Other Income	2,856.55	1,114.54	1,036.96	984.72	412.03
Total Income	22,417.19	8,452.05	8,142.74	6,632.75	3,793.47
Interest Expended	9,797.13	3,135.12	3,470.76	2,836.74	1,884.43
Operating Expenses	7,408.04	3,419.23	3,317.04	2,562.63	1,880.76
Operating Profit before Prov. & Cont.	5,088.76	1,710.13	1,264.97	1,165.66	56.35
Provisions and Contingencies	1,452.90	701.47	685.25	853.64	1,261.43
Profit Before Tax	3,474.05	911.03	128.13	326.43	-1,506.62
Taxes	902.78	290.28	159.23	0.00	-287.74
Profit after Tax	2,856.35	905.95	510.45	379.74	-945.42
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	2,856.35	905.95	510.45	379.74	-945.42

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Shareholder's Funds	19,973.52	6,815.68	6,124.83	4,470.21	2,775.60
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	1,52,661.16	45,668.33	46,533.09	35,784.49	21,653.98
Borrowings	13,871.55	3,736.01	5,772.55	5,496.76	2,829.44
Other Liabilities & Provisions	5,291.24	1,321.19	2,179.89	1,696.27	1,610.05
Total Liabilities	1,91,797.47	57,541.21	60,610.36	47,447.73	28,869.07

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Cash and Balance with Reserve Bank of India	6,973.26	3,109.67	5,563.29	2,492.17	1,692.15
Balances with Banks and Money at Call	1,550.15	334.00	103.00	66.01	629.08
Investments	44,793.65	12,724.25	10,148.83	9,812.00	6,914.05
Advances	1,34,275.63	39,760.55	42,751.29	33,827.69	18,069.59
Net Block	881.48	457.27	526.56	190.68	332.70
Other Assets	2,768.39	1,119.67	1,328.67	1,051.18	1,106.38
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	1,91,797.47	57,541.21	60,610.36	47,447.73	28,869.07

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Cash From Operating Activities	1,828.87	1,843.20	-3,315.83	593.64	780.69
Cash Flow from Investing Activities	-5,090.15	-2,480.67	-185.42	-4,132.66	-3,308.58
Cash from Financing Activities	2,318.33	911.35	3,641.25	1,640.54	1,412.49
Net Cash Inflow / Outflow	-942.95	273.88	140.00	-1,898.47	-1,115.39

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Yield on Advances	13.88	17.43	15.89	15.82	18.70
Yield on Investments	6.79	7.23	8.45	5.60	6.41
Interest Spread	8.16	11.24	9.39	9.14	10.93
NIM (%)	5.90	8.50	7.24	7.50	6.10
ROE (%)	14.92	13.79	8.52	8.65	-36.58
ROA (%)	1.63	1.72	0.90	0.88	-3.32
Cost to Income Ratio	57.91	65.65	71.67	67.76	97.05

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Revenue Growth (%)	17.32	14.72	10.00	18.46	-8.11
EBIT Growth (%)	11.09	1.24	-5.19	-1.87	-94.40
Net Profit Growth (%)	30.77	71.50	598.15	-12.26	-167.69
EPS Growth (%)	30.18	70.85	597.90	-12.60	-103.30
Book Value Growth (%)	15.79	12.04	0.82	8.16	-42.22

	AU Small Fin Bank	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank
Price / Earnings	26.06	14.07	15.36	13.46	-2.53
Price / Book Value	3.63	1.81	1.25	1.11	0.89
Dividend Yield (%)	0.10	0.00	0.00	0.00	0.00
EV/EBITDA	33.87	16.64	25.00	32.37	-7.57
Market Cap (₹ Cr)	63,059.78	9,816.32	5,896.04	3,788.22	1,818.80

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