NSE / BSEFinancial Services
β‚Ή1030.00-28.00-2.65%
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
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Current Price
β‚Ή0
β€”as of 15 Sept 2026
P/E Ratio
0.0x
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P/B Ratio
0.0x
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EV / EBITDA
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EV / Sales
β€”
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52W High
β‚Ή0
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52W Low
β‚Ή0
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Shares Out
0.00 Cr
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Profitability

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

ROE
0.0%
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ROCE
0.0%
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ROIC %
β€”
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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
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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

Strengths1

  • 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.

Price Historyβ–² 44.31% over 1Y

Monthly Returns

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Year-to-Date ROI

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Historical Volatility

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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)

Free plan Β· showing 1 year of data.Upgrade

Consolidated Figures in USD Millions.

Unnamed: 0TTM
Revenue17,274
Finance Costs8,968
Total Expenses8,340
Financing Profit-34
Financing Margin %-0%
Other Income2,902
Depreciation & Amortisation0
Profit Before Tax2,868
Tax %-
Net Profit / PAT2,174
EPS (β‚Ή)29.18
Dividend Payout %-

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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