AU Small Finance Bank Ltd
AU Small Finance Bank Ltd
Banks F&OKey Fundamentals
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BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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61 extracted metrics + investor summaries across FY12–FY26.
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Technical Indicators
Key Insights
Strengths
1- Company's median sales growth is 33.4% of last 10 years
Weaknesses
3- Stock is trading at 4.17 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.9% over last 3 years.
Growth Rate
AI Analysis — Bull vs Bear
AU Small Finance Bank trades at a market cap of ₹81,238 crore with a P/E of 28.1x and P/B of 4.07x. The bank has delivered strong compounded sales growth of 31% over 3 years and profit growth of 23% CAGR over the same period, though its ROE of ~14% remains moderate for its premium valuation and asset quality has shown some recent pressure with GNPA rising to 2.31% in Q3 FY25.
- Strong revenue growth trajectory with 10-year compounded sales CAGR of 34% and 3-year CAGR of 31%, indicating consistent business scaling
- Q4 FY25 net profit surged 65% YoY to ₹832 crore and Q1 FY26 profit grew 37% YoY to ₹796 crore, showing accelerating earnings momentum
- Deposit growth of 22.8% YoY to ₹1.53 lakh crore in FY25 outpaced gross loan growth of 21.3%, indicating improving liability franchise
- Cost of funds declined 60 bps YoY to 6.48% in recent quarter, supporting net interest margin expansion
- Median sales growth of 33.4% over the last 10 years demonstrates long-term execution consistency rare among small finance banks
- Stock has delivered 42% return over the past 1 year, reflecting market recognition of improving fundamentals
- Net Interest Income grew 23-32% YoY in recent quarters (₹2,582 crore in Q4 FY25 and ₹2,695 crore in Q1 FY26), demonstrating core banking income strength
- Provision Coverage Ratio at 80% in Q3 FY25 provides a reasonable buffer against potential credit losses
- P/B ratio of 4.07x is elevated for a bank generating only 14% ROE over 3 years, implying the stock prices in significant future improvement
- GNPA rose from 1.98% in Q2 FY25 to 2.31% in Q3 FY25, a 33 bps sequential deterioration indicating emerging asset quality stress
- CASA ratio has been declining from 32% in Q2 FY25 to 28.4% in Q4 FY25, raising the cost of deposits and pressuring margins over time
- Low interest coverage ratio as flagged in known risks suggests vulnerability to rate cycle movements
- ROE of 13.9% over 3 years is modest relative to well-run private banks trading at similar or lower multiples
- Dividend yield of just 0.09% offers negligible income return to shareholders at current valuations
- P/E of 28.1x is at a premium to most banking peers, leaving limited margin of safety if growth decelerates
- Net NPA increased from 0.75% in Q2 FY25 to 0.91% in Q3 FY25, confirming the GNPA trend is flowing through to net levels
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Q1FY27 profit up 37% YoY Jul 25
AU Small Finance Bank reports Q1FY27 net profit of ₹795.95 crore, a 37% increase year-on-year for the quarter ended June 30, 2026.
- Deputy CEO elevation announced Jul 25
Yogesh Jain elevated to Deputy CEO, signaling leadership strengthening and succession planning alongside AGM date announcement.
- Q1FY27 earnings call recording released Jul 25
AU Small Finance Bank released the audio recording of its conference call held on July 25, 2026, discussing Q1FY27 unaudited financial results.
TL;DR: AU Small Finance Bank delivered strong Q1FY27 results with 37% YoY profit growth to ₹795.95 crore, indicating healthy earnings momentum. No material headwinds emerged from the latest disclosures. Leadership continuity is being reinforced with a Deputy CEO elevation. The trend appears positive heading into FY27 if growth sustains at this pace.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,458 | 2,531 | 2,736 | 2,830 | 3,769 | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | 5,303 |
| Expenses | 1,048 | 1,122 | 1,269 | 1,346 | 1,761 | 1,854 | 1,938 | 2,197 | 2,076 | 2,128 | 2,181 | 2,231 | 2,321 |
| Financing Profit | 198 | 127 | 56 | -9 | 160 | 121 | 85 | -104 | -32 | 16 | 160 | 351 | 375 |
| Fin. Margin % | 8% | 5% | 2% | 0% | 4% | 3% | 2% | -2% | -1% | 0% | 3% | 7% | 7% |
| Other Income | 315 | 406 | 442 | 464 | 509 | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 |
| Interest | 1,212 | 1,282 | 1,411 | 1,492 | 1,848 | 1,936 | 2,091 | 2,177 | 2,334 | 2,367 | 2,386 | 2,437 | 2,607 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 513 | 533 | 498 | 455 | 669 | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 |
| Tax % | 25% | 25% | 25% | 18% | 25% | 25% | 25% | 23% | 25% | 23% | 24% | 23% | 25% |
| Net Profit | 387 | 402 | 375 | 371 | 503 | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 |
| EPS in Rs | 5.8 | 6.01 | 5.61 | 5.54 | 6.76 | 7.68 | 7.1 | 6.77 | 7.79 | 7.52 | 8.94 | 11.12 | 10.63 |
| Gross NPA % | 1.76% | 1.91% | 1.98% | 1.67% | 1.78% | 1.98% | 2.31% | 2.28% | 2.47% | 2.41% | 2.3% | 2.03% | 2.1% |
| Net NPA % | 0.55% | 0.6% | 0.68% | 0.55% | 0.63% | 0.75% | 0.91% | 0.74% | 0.88% | 0.88% | 0.88% | 0.74% | 0.76% |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 | 16,064 | 18,636 | 19,561 |
| Expenses | 209 | 289 | 445 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,629 | 7,491 | 8,345 | 8,861 |
| Financing Profit | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | 768 | 903 |
| Fin. Margin % | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | 4% | 5% |
| Other Income | 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,697 | 2,526 | 2,978 | 2,857 |
| Interest | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 9,524 | 9,797 |
| Depreciation | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 225 | 259 | 272 | 0 |
| PBT | 208 | 323 | 1,143 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 | 2,788 | 3,474 | 3,759 |
| Tax % | 33% | 34% | 28% | 34% | 34% | 26% | 20% | 22% | 23% | 23% | 24% | 24% | — |
| Net Profit | 140 | 212 | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 | 2,856 |
| EPS in Rs | 15.9 | 23.99 | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 | 28.29 | 35.3 | 38.21 |
| Div. Payout % | 0% | 0% | 0% | 5% | 6% | 0% | 0% | 3% | 5% | 4% | 4% | 3% | — |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 44 | 44 | 284 | 286 | 292 | 304 | 312 | 315 | 667 | 669 | 745 | 748 |
| Reserves | 767 | 965 | 1,703 | 1,995 | 2,871 | 4,073 | 5,963 | 7,199 | 10,311 | 11,890 | 16,422 | 19,225 |
| Borrowing | 2,878 | 4,783 | 7,120 | 7,639 | 8,613 | 10,335 | 7,030 | 5,991 | 6,299 | 5,479 | 11,660 | 13,872 |
| Deposits | — | — | 0 | 7,923 | 19,422 | 26,164 | 35,979 | 52,585 | 69,365 | 87,182 | 1,24,269 | 1,52,661 |
| Other Liabilities | 346 | 502 | 674 | 989 | 1,424 | 1,267 | 2,307 | 2,988 | 3,575 | 4,205 | 4,751 | 5,291 |
| Total Liabilities | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 1,09,426 | 1,57,846 | 1,91,797 |
| Fixed Assets | 19 | 24 | 36 | 380 | 440 | 438 | 477 | 609 | 707 | 784 | 825 | 881 |
| CWIP | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | 555 |
| Investments | 140 | 232 | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,306 | 20,072 | 27,133 | 37,848 | 44,794 |
| Other Assets | 3,877 | 6,038 | 7,355 | 15,396 | 25,014 | 31,027 | 40,294 | 53,149 | 69,404 | 81,441 | 1,19,086 | 1,45,567 |
| Total Assets | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | 1,09,426 | 1,57,846 | 1,91,797 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -747 | -1,938 | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Investing | -23 | -33 | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | -4,855 | -4,780 | -5,090 |
| Financing | 782 | 1,964 | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | -802 | 2,407 | 2,318 |
| Net Cash Flow | 12 | -7 | 596 | 1,136 | -21 | 1,629 | 1,412 | 1,147 | 3,497 | -3,049 | 3,090 | -943 |
| Free Cash Flow | -756 | -1,952 | -2,662 | 2,341 | 724 | 569 | 4,916 | 6,568 | 5,190 | 2,270 | 5,205 | 1,027 |
| CFO/OP | -139 | -254 | -250 | 284 | 58 | 35 | 197 | 220 | 122 | 52 | 72 | 27 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 23% | 55% | 14% | 14% | 18% | 22% | 16% | 15% | 13% | 14% | 14% |
Documents
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Company Information
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]