AU Small Finance Bank Ltd
AU Small Finance Bank Ltd
Banks F&OKey Fundamentals
MidcapSmall Finance BankBanksInsights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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61 extracted metrics + investor summaries across FY12–FY26.
Tapetide Score
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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 4.05 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 commands a market cap of ₹78,468 Cr at a P/E of 27.5x and P/B of 3.97x. The bank has delivered strong compounded sales growth of 34% over 10 years and profit growth of 31% TTM, though its ROE remains modest at 14% over the last 3-5 years.
- Exceptional long-term revenue growth with 10-year compounded sales CAGR of 34%, well above most banking peers
- TTM sales growth of 17% demonstrates continued momentum even on a larger base after years of rapid expansion
- Compounded profit growth of 31% TTM outpaces revenue growth, indicating improving operating leverage
- Median sales growth of 33.4% over the last 10 years reflects consistent execution across cycles
- Stock has delivered 42% return over the past 1 year, reflecting improving market confidence in the franchise
- 5-year compounded profit CAGR of 18% and 10-year profit CAGR of 29% show durable earnings growth trajectory
- 3-year sales CAGR of 31% indicates the bank maintained strong growth through the post-COVID period
- P/B ratio of 3.97x is expensive for a small finance bank with ROE of only 14%, implying stretched valuations relative to return generation
- Return on equity has remained flat at 14% over 3 and 5 years, failing to scale up despite rapid asset growth
- Low interest coverage ratio suggests vulnerability to margin compression in a rising cost-of-funds environment
- P/E of 27.5x is significantly above the median for Indian banking stocks, leaving limited margin of safety
- Dividend yield of just 0.09% indicates negligible income return for shareholders at current prices
- ROE of 13.9% over the last 3 years is below the 15%+ threshold typically expected from premium-valued banks
- Sales growth deceleration from 31% (3-year CAGR) to 17% TTM signals potential growth slowdown as the bank scales
- 5-year stock CAGR of only 11% despite strong profit growth suggests the market has periodically re-rated the stock downward on valuation concerns
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 reported Q1FY27 net profit of ₹795.95 crore, a 37% increase year-on-year. The bank also elevated Yogesh Jain to Deputy CEO and announced its AGM date.
- 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 unaudited financial results for the quarter ended June 30, 2026.
- ₹27.75 Cr block trade on BSE Jul 20
A block trade of approximately 2,79,679 shares was executed at ₹992.05 per share on BSE, totaling ₹27.75 crore, likely by an institutional investor.
- New CRO appointed from Sep 1 Jul 18
Amol Padhye appointed as Chief Risk Officer (CRO-Designate) effective September 1, 2026, succeeding Deepak Jain whose tenure ends August 31, 2026.
- Q1FY27 earnings call scheduled Jul 14
AU Small Finance Bank announced a conference call on July 25, 2026, for senior management to present Q1FY27 financial performance.
TL;DR: AU Small Finance Bank delivered a strong Q1FY27 with net profit growing 37% YoY to ₹795.95 crore, signaling healthy earnings momentum. No material headwinds emerged in the recent news cycle. Leadership continuity is being maintained with a new CRO appointment and Deputy CEO elevation. The trend appears positive heading into FY27, with execution on profitability being the key monitorable.
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 | 8,617 | 8,861 |
| Financing Profit | 212 | 326 | 339 | 109 | 180 | 296 | 142 | 601 | 1,016 | 528 | 520 | 496 | 903 |
| Fin. Margin % | 30% | 32% | 26% | 6% | 6% | 7% | 3% | 10% | 12% | 5% | 3% | 3% | 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 | 0 | 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 | 18,984 |
| 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 | 5,532 |
| 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 | 1,436 |
| CWIP | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | 67 | 87 | 0 |
| 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 | 28 |
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
Frequently Asked Questions about AU Small Finance Bank Ltd
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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]