NSE / BSEFinancial Services
β‚Ή1048.05-4.85-0.46%
P/E33.4Mkt Capβ‚Ή72.69 K CrEV/EBITDA0.0

AU Small Finance Bank Limited

P/E33.4Mkt Capβ‚Ή72.69 K CrEV/EBITDA0.0
Company Profile

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
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P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
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Returns

ROE
0.0%
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ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
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Dividend Payout
0.0%
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Solvency

Current Ratio
0.0x
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Debt / Equity
β€”
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Debt / Assets
0.0x
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CFO / Net Profit
0.0x
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Interest Coverage
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AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 44.16% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+17.2%); Feb the lowest (-6.2%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-1.3%Neutral MonthJan 2026: -1.30%-2.3%Negative MonthFeb 2026: -2.32%-12.1%Negative MonthMar 2026: -12.09%+20.7%Positive MonthApr 2026: +20.71%-3.0%Negative MonthMay 2026: -2.96%+5.1%Positive MonthJun 2026: +5.09%+1.0%*Neutral MonthJul 2026: +1.04%β€”β€”β€”β€”β€”
2025+7.7%Positive MonthJan 2025: +7.75%-5.9%Negative MonthFeb 2025: -5.92%-5.6%Negative MonthMar 2025: -5.59%+27.0%Positive MonthApr 2025: +26.99%+2.2%Positive MonthMay 2025: +2.18%+18.0%Positive MonthJun 2025: +17.98%-9.4%Negative MonthJul 2025: -9.36%-3.1%Negative MonthAug 2025: -3.12%+1.9%Neutral MonthSep 2025: +1.88%+20.0%Positive MonthOct 2025: +20.02%+8.8%Positive MonthNov 2025: +8.81%+4.1%Positive MonthDec 2025: +4.08%
2024-19.1%Negative MonthJan 2024: -19.10%-10.5%Negative MonthFeb 2024: -10.46%-0.8%Neutral MonthMar 2024: -0.80%+12.0%Positive MonthApr 2024: +12.00%+3.0%Positive MonthMay 2024: +3.00%+3.0%Positive MonthJun 2024: +2.97%-3.9%Negative MonthJul 2024: -3.87%+6.7%Positive MonthAug 2024: +6.67%+7.4%Positive MonthSep 2024: +7.44%-17.2%Negative MonthOct 2024: -17.25%-4.8%Negative MonthNov 2024: -4.78%-4.3%Negative MonthDec 2024: -4.30%
2023-5.2%Negative MonthJan 2023: -5.20%-4.2%Negative MonthFeb 2023: -4.17%-2.4%Negative MonthMar 2023: -2.42%+14.7%Positive MonthApr 2023: +14.67%+16.9%Positive MonthMay 2023: +16.92%-2.8%Negative MonthJun 2023: -2.83%-3.2%Negative MonthJul 2023: -3.16%-1.1%Neutral MonthAug 2023: -1.08%-1.2%Neutral MonthSep 2023: -1.24%-6.2%Negative MonthOct 2023: -6.17%+10.6%Positive MonthNov 2023: +10.63%+6.3%Positive MonthDec 2023: +6.28%
2022+26.4%Positive MonthJan 2022: +26.42%-8.1%Negative MonthFeb 2022: -8.07%+3.4%Positive MonthMar 2022: +3.45%+11.7%Positive MonthApr 2022: +11.71%-10.2%Negative MonthMay 2022: -10.16%-5.4%Negative MonthJun 2022: -5.42%+0.1%Neutral MonthJul 2022: +0.08%+7.1%Positive MonthAug 2022: +7.09%-2.3%Negative MonthSep 2022: -2.29%-4.8%Negative MonthOct 2022: -4.84%+8.4%Positive MonthNov 2022: +8.36%+2.3%Positive MonthDec 2022: +2.26%
2021β€”β€”β€”β€”β€”+4.1%Positive MonthJun 2021: +4.11%+16.7%Positive MonthJul 2021: +16.73%-6.6%Negative MonthAug 2021: -6.57%+3.0%Positive MonthSep 2021: +2.99%+3.9%Positive MonthOct 2021: +3.89%-9.7%Negative MonthNov 2021: -9.68%-5.2%Negative MonthDec 2021: -5.17%
AvgΒ±SD+1.7%Β±15.1%-6.2%Β±2.9%-3.5%Β±5.2%+17.2%Β±5.9%+1.8%Β±8.9%+3.7%Β±7.4%+0.2%Β±8.1%+0.6%Β±5.4%+1.8%Β±3.4%-0.9%Β±12.4%+2.7%Β±8.3%+0.6%Β±4.6%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.054x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή16.06 K Crβ–² 52.2%
EBITDA Growthβ€”
Net Profitβ‚Ή2.11 K Crβ–² 37.2%
Cash from Ops (CFO)β€”β–² 109.4%
Free Cash Flow (FCF)β€”β–Ό 201.3%
Revenue CAGR 5Y19.8%
EBITDA CAGR 5Y19.2%
Net Profit CAGR 5Y17.9%
NP Growth 1Y37.2%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή16.06 K Crβ€”β‚Ή2.11 K Crβ€”β€”β€”52.2%37.2%
Mar 2024β‚Ή10.55 K Crβ€”β‚Ή1.53 K Crβ€”β€”β€”28.6%7.5%
Mar 2023β‚Ή8.21 K Crβ€”β‚Ή1.43 K Crβ€”β€”β€”38.6%26.4%
Mar 2022β‚Ή5.92 K Crβ€”β‚Ή1.13 K Crβ€”β€”β€”19.6%-3.5%
Mar 2021β‚Ή4.95 K Crβ€”β‚Ή1.17 K Crβ€”β€”β€”15.5%73.5%
Mar 2020β‚Ή4.29 K Crβ€”β‚Ή675.00 Crβ€”β€”β€”45.3%76.7%
Mar 2019β‚Ή2.95 K Crβ€”β‚Ή382.00 Crβ€”β€”β€”66.9%30.8%
Mar 2018β‚Ή1.77 K Crβ€”β‚Ή292.00 Crβ€”β€”β€”38.0%-64.5%
Mar 2017β‚Ή1.28 K Crβ€”β‚Ή822.00 Crβ€”β€”β€”26.7%287.7%
Mar 2016β‚Ή1.01 K Crβ€”β‚Ή212.00 Crβ€”β€”β€”43.5%51.4%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue6117041,0101,2801,7672,9494,2864,9505,9228,20510,55516,06417,274
Finance Costs2892823954968271,6072,3772,5852,6883,7805,3988,0528,968
Total Expenses1842092894458321,1631,6122,2242,6343,4104,6297,4918,340
Financing Profit1372123263391091802961426011,016528520-34
Financing Margin %22%30%32%26%6%6%7%3%10%12%5%3%-0%
Other Income4258103884627061,4219941,0341,6972,5262,902
Depreciation & Amortisation37965362891041401852252590
Profit Before Tax1382083231,1434435809141,4581,4541,8651,9992,7882,868
Tax %33%33%34%28%34%34%26%20%22%23%23%24%-
Net Profit / PAT921402128222923826751,1711,1301,4281,5352,1062,174
EPS (β‚Ή)10.6815.9023.9914.465.116.5311.0918.7517.9421.4222.9328.2929.18
Dividend Payout %0%0%0%0%5%6%0%0%3%5%4%4%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
AU Small Finance Bank Limitedthis co.β‚Ή72.69 K Crβ‚Ή16.06 K Cr33.404.000.0052.2%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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