Sharescart Research Club logo
Products
Research
Tools
About
  • Home
  • /
  • Au Small Fin Bank
Join Channel

AU Small Fin. Bank

₹1025.4 49.1 | 5%

Last updated: 15:55

Consolidated Standalone

Last updated: 15:55

AU Small Fin. Bank Overview

AU Small Finance Bank Ltd is an India-based organisation, which gives banking services. The Company offers on line banking devices, bills thru online, debit card service, bank lockers and service provider price offerings. It provides various varieties of debts which include savings account, current account, recurring deposit account, and fixed deposit account. The banking section affords loans and transaction offerings to corporates, rising corporates, public area units, government bodies, financial institutions, and medium scale organizations....Read More

Want to Start Investing in Top Unlisted Stocks?

Our experts help you choose the right stocks based on performance, risk, and growth potential.

AU Small Fin. Bank Key Financials

Market Cap ₹76639 Cr.

Stock P/E 36.4

P/B 4.2

Current Price ₹1025.4

Book Value ₹ 242.8

Face Value 10

52W High ₹1029.6

Dividend Yield 0.1%

52W Low ₹ 479

Edit Ratio

AU Small Fin. Bank Share Price

₹ | |

Volume
Price

AU Small Fin. Bank Quarterly Price

Quarterly Monthly
Show Value Show %

AU Small Fin. Bank Peer Comparison

AU Small Fin. Bank Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Interest Earned 2458 2531 2736 2830 3769 3911 4113 4271 4378 4511
Other Income 315 406 442 541 509 638 618 761 811 713
Total Income 2773 2937 3178 3371 4278 4549 4732 5031 5189 5224
Interest Expense 1212 1282 1411 1492 1848 1936 2091 2177 2334 2367
Operating Expenditure 1015 1027 1117 1228 1478 1481 1436 1562 1543 1647
Provisions and contingencies 33 95 151 118 283 373 502 635 533 481
Operating Profit 513 533 498 532 669 759 703 657 779 729
Profit Before Tax 513 533 498 455 669 759 703 657 779 729
Provision for Tax 126 132 123 84 166 188 175 153 198 168
Profit After Tax 387 402 375 371 503 571 528 504 581 561
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 387 402 375 371 503 571 528 504 581 561
Adjusted Earnings Per Share 5.8 6 5.6 5.5 6.8 7.7 7.1 6.8 7.8 7.5

AU Small Fin. Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 1280 1767 2949 4286 4950 5922 8205 10555 16064 17273
Other Income 810 388 462 706 1421 994 1034 1697 2526 2903
Total Income 2090 2155 3411 4992 6371 6915 9240 12252 18590 20176
Interest Expense 496 827 1607 2377 2585 2688 3780 5398 8052 8969
Operating Expenditure 353 753 1083 1418 1658 2413 3440 4465 5957 6188
Provisions and contingencies 97 133 142 283 669 361 155 390 1793 2151
Operating Profit 1143 443 580 914 1459 1454 1865 1999 2788 2868
Profit Before Tax 1143 443 580 914 1459 1454 1865 1999 2788 2868
Provision for Tax 321 151 198 239 288 324 437 465 682 694
Profit After Tax 822 292 382 675 1171 1130 1428 1535 2106 2174
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 822 292 382 675 1171 1130 1428 1535 2106 2174
Adjusted Earnings Per Share 14.5 5.1 6.5 11.1 18.7 17.9 21.4 22.9 28.3 29.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 52% 39% 30% 0%
Operating Profit CAGR 39% 24% 25% 0%
PAT CAGR 37% 23% 26% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 70% 18% 18% NA%
ROE Average 14% 14% 16% 19%
ROCE Average 15% 15% 15% 14%

AU Small Fin. Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 1988 2281 3163 4377 6275 7514 10977 12560 17166
Minority's Interest 0 0 0 0 0 0 0 0 0
Deposits 0 7923 19422 26164 35979 52585 69365 87182 124269
Borrowings 7120 7639 8613 10335 7030 5991 6299 5479 11660
Other Liabilities & Provisions 674 989 1424 1267 2307 2988 3575 4205 4751
Total Liabilities 9781 18833 32623 42143 51591 69078 90216 109426 157846
Cash and balance with RBI 13 492 811 1050 1569 5753 8916 4638 8605
Bank Balance 612 1269 929 2320 3212 175 509 1738 862
Investments 2150 3051 7162 10668 10815 15307 20072 27133 37848
Advances 6551 13312 22819 26992 34609 46095 58422 73163 107092
Fixed Assets 36 380 440 438 477 609 707 784 825
Other Assets 179 323 455 665 903 1125 1557 1902 2527
Total Assets 9781 18833 32623 42143 51591 69078 90216 109426 157846

AU Small Fin. Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 29 625 1761 1740 3370 4781 5929 9425 6376
Cash Flow from Operating Activities -2405 2505 848 660 5056 6849 5494 2608 5462
Cash Flow from Investing Activities 552 -1890 -2305 -1267 -990 -4753 -4320 -4855 -5931
Cash Flow from Financing Activities 2448 521 1436 2237 -2655 -948 2323 -802 2407
Net Cash Inflow / Outflow 596 1136 -21 1629 1412 1147 3497 -3049 1938
Closing Cash & Cash Equivalent 625 1761 1740 3370 4781 5929 9425 6376 9466

AU Small Fin. Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 14.46 5.11 6.53 11.09 18.75 17.94 21.42 22.93 28.29
CEPS(Rs) 14.56 6.04 7.59 12.55 20.42 20.17 24.2 26.3 31.76
DPS(Rs) 0 0.25 0.38 0 0 0.5 1 1 1
Book NAV/Share(Rs) 34.85 39.62 50.37 71.1 98.84 118.65 163.98 186.75 228.9
Yield on Advances 19.54 13.28 12.92 15.88 14.3 12.85 14.05 14.43 15
Yield on Investments 31.84 5.46 4.97 7.37 15.05 6.03 5.71 6.15 6.52
Cost of Liabilities 6.97 5.31 5.73 6.51 6.01 4.59 5 5.83 5.92
NIM (Net Interest Margin) 8.4 5.19 4.23 4.65 4.71 4.8 5.03 4.83 5.19
Interest Spread 12.57 7.96 7.19 9.37 8.29 8.26 9.05 8.6 9.08
ROA(%) 8.4 2.04 1.48 1.81 2.5 1.87 1.79 1.54 1.58
ROE(%) 41.48 13.76 14.66 18.56 22.31 16.56 15.52 13.1 14.26
ROCE(%) 18 11.71 11.87 12.73 15.6 14.01 14.98 13.96 15.45
PER(x) 0 60.45 45.43 22.93 32.7 34.72 27.03 24.66 18.88
Price/Book(x) 0 7.8 5.89 3.58 6.2 5.25 3.53 3.03 2.33
Dividend Yield(%) 0 0.08 0.13 0 0 0.08 0.17 0.18 0.19
EV/Net Sales(x) 5.78 14.31 8.8 6.02 9.15 7.64 5.47 4.1 3.2
EV/Core EBITDA(x) 5.97 43.92 35.96 21.56 21.3 24.92 22.23 18.13 11.23
Interest Earned Growth(%) 0 38.06 66.88 45.33 15.5 19.63 38.56 28.63 52.19
Net Profit Growth 0 -64.47 30.74 76.73 73.49 -3.49 26.38 7.48 37.22
Advances Growth 0 103.21 71.41 18.29 28.22 33.19 26.74 25.23 46.38
EPS Growth(%) 0 -64.65 27.76 69.9 68.99 -4.31 19.38 7.09 23.33
Loans/Deposits(x) 0 96.41 44.35 39.5 19.54 11.39 9.08 6.29 9.38
Cash/Deposits(x) 0 0.06 0.04 0.04 0.04 0.11 0.13 0.05 0.07
Current Ratio(x) 0 0.39 0.37 0.41 0.3 0.29 0.29 0.31 0.3
Quick Ratio(x) 0 96.41 44.35 39.5 19.54 11.39 9.08 6.29 9.38
CASA % 0 26.93 18.48 14.48 23 37.29 38.43 33.41 29.17

AU Small Fin. Bank Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 25.53 25.49 25.46 25.45 22.92 22.9 22.88 22.87 22.85 22.82
FII 41.58 41.61 41.09 39.36 39.57 40.7 39.33 35.57 37.68 34.49
DII 19.28 19.59 20.83 22.79 18.45 20.16 21.8 27.18 28.87 31.9
Public 13.61 13.31 12.61 12.4 19.06 16.24 15.99 14.38 10.59 10.78
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

AU Small Fin. Bank News

AU Small Fin. Bank Pros & Cons

Pros

  • Company has delivered good profit growth of 25% CAGR over last 5 years

Cons

  • Promoter holding is low: 22.82%.
  • Company has a low return on equity of 14% over the last 3 years.
  • Stock is trading at 4.2 times its book value.

* The pros and cons are machine generated.

You May Also Know About

Unlisted Shares Pre-IPO Shares ESOP Shares Delisted Shares
whatsapp

Please Login!

Click to Login
OR
Get free Account

Error!