AU Small Finance Bank Limited
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
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 19.8%
Concerns1
- Other income is 84.9% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ 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
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ16.06 K Cr | β | βΉ2.11 K Cr | β | β | β | 52.2% | 37.2% |
| Mar 2024 | βΉ10.55 K Cr | β | βΉ1.53 K Cr | β | β | β | 28.6% | 7.5% |
| Mar 2023 | βΉ8.21 K Cr | β | βΉ1.43 K Cr | β | β | β | 38.6% | 26.4% |
| Mar 2022 | βΉ5.92 K Cr | β | βΉ1.13 K Cr | β | β | β | 19.6% | -3.5% |
| Mar 2021 | βΉ4.95 K Cr | β | βΉ1.17 K Cr | β | β | β | 15.5% | 73.5% |
| Mar 2020 | βΉ4.29 K Cr | β | βΉ675.00 Cr | β | β | β | 45.3% | 76.7% |
| Mar 2019 | βΉ2.95 K Cr | β | βΉ382.00 Cr | β | β | β | 66.9% | 30.8% |
| Mar 2018 | βΉ1.77 K Cr | β | βΉ292.00 Cr | β | β | β | 38.0% | -64.5% |
| Mar 2017 | βΉ1.28 K Cr | β | βΉ822.00 Cr | β | β | β | 26.7% | 287.7% |
| Mar 2016 | βΉ1.01 K Cr | β | βΉ212.00 Cr | β | β | β | 43.5% | 51.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 17,274 |
| Finance Costs | 8,968 |
| Total Expenses | 8,340 |
| Financing Profit | -34 |
| Financing Margin % | -0% |
| Other Income | 2,902 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 2,868 |
| Tax % | - |
| Net Profit / PAT | 2,174 |
| EPS (βΉ) | 29.18 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| AU Small Finance Bank Limitedthis co. | βΉ72.69 K Cr | βΉ16.06 K Cr | 33.40 | 4.00 | 0.00 | 52.2% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |