1. India Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
AU Small Finance Bank Limited

AU Small Finance Bank Limited

AUBANK.BO
AU Small Finance Bank LimitedIN flagBombay Stock Exchange
1,067.15
INR
+6.55
- -
797.93BMarket Cap
AU Small Finance Bank Limited
AUBANK.BO
(Bombay Stock Exchange)

Recent

price

1,067.15

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
3.88
5
7.15
11.45
28.03
23.34
31.12
44.17
61.78
67.49
83.6
102.64
141.71
162.05
147.32
Revenue per Share
1.22
1.28
2.46
4.36
14.46
5.13
6.58
11.39
19.1
18.03
21.86
22.98
28.32
35.4
29.35
Basic EPS, GAAP
-16.49
-10.11
-13.33
-34.42
-48.24
41.08
12.44
9.58
80.18
104.8
79.42
33.86
69.9
13.67
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
0.3
0.45
- -
- -
0.48
1
1
1
- -
Dividend per Share
3.02
4.02
6
9.61
25.53
29
32.13
37
48.99
59.01
75.84
87.46
103.32
10.03
- -
Book Value per Share
7.78
10.52
13.49
17.61
33.53
40.05
54.5
73.89
102.37
119.92
168.06
188.03
230.85
267.7
- -
Tangible Book Value per Share
567
567
567
567
569
570
580
592
613
627
653
668
744
746
744
Basic Weighted Avg Shares
2,202
2,839
4,055
6,496
15,936
13,291
18,060
26,161
37,873
42,285
54,604
68,556
105,379
120,906
109,633
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
29
33
65
85
58
532
618
886
1,044
1,402
1,854
2,254
2,585
2,715
- -
Depreciation Expense
694
725
1,394
2,472
8,220
2,920
3,818
6,748
11,707
11,298
14,279
15,347
21,059
26,413
21,842
Net Income, GAAP
32.44
33.84
32.73
34.48
39.1
51.81
34.19
35.45
19.73
22.3
23.42
23.24
24.47
23.97
24.63
Effective Tax Rate (%)
31.49
25.55
34.39
38.05
51.58
21.97
21.14
25.79
30.91
26.72
26.15
22.39
19.98
21.85
19.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
25,128
21,636
29,103
48,790
71,199
76,389
83,384
100,253
70,297
59,908
62,987
54,794
116,599
138,715
- -
LT Debt
4,419
5,978
7,665
10,007
19,876
22,812
31,629
43,768
62,752
75,140
109,773
125,595
171,663
199,735
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
36.35
49.1
55.84
82.34
18.82
21.72
33.27
45.07
33.72
33.01
28.43
31.14
62.65
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
745
- -
Market Capitalization
414,930
397,197
608,561

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
95,678
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
36.71%
26.65%
16.35%
Free Cash Flow
53.65%
1.13%
-80.37%
Net Income, GAAP
44.21%
18.6%
25.42%
Sales/Revenue/Turnover
38.9%
26.95%
14.73%
Total Cash Common Dividend
- -
- -
0.27%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15,613
16,554
17,671
18,940
68,556
2025
24,299
26,123
26,411
28,546
105,379
2026
28,553
30,651
33,133
- -
120,906

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.8
6.02
5.61
- -
22.98
2025
6.77
7.68
7.1
6.77
28.32
2026
7.8
8.94
11.13
- -
35.4

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
1
Similar Companies
The Awa Bank, Ltd. (8388.T)
Komplett Bank ASA (KOMP.OL)
Bank7 Corp. (BSVN)
Canyon Bancorp (CYBA)
Trøndelag Sparebank (TRSB.OL)
Japan Post Holdings Co., Ltd. (JPHLF)
Business
AU Small Finance Bank Limited (AUBANK.BO), headquartered in Jaipur, Rajasthan, and founded in 1996, operates as a scheduled commercial small finance bank providing a comprehensive suite of retail and wholesale banking products and services to individuals, micro, small, and medium enterprises (MSMEs), and underserved segments across 21 states and 4 union territories in India; core offerings include vehicle loans, secured business loans, home loans, personal loans, gold loans, agriculture term loans, Kisan credit cards, loans against securities, working capital facilities, savings accounts, current accounts, term deposits, recurring deposits, credit cards, payments solutions, deposits, trade finance, insurance products, mutual funds, and investment services. The bank maintains a network of over 2,600 physical touchpoints and serves approximately 1.2 crore customers with a focus on semi-urban and rural markets. In recent developments, AU Small Finance Bank completed the acquisition of Fincare Small Finance Bank via stock swap merger on April 1, 2024, marking the first such merger between two small finance banks and enhancing its presence in southern India; it received in-principle approval from the Reserve Bank of India on August 7, 2025, to transition to universal bank status, enabling an expanded product portfolio; and inaugurated 51 new branches on August 15, 2025, comprising 30 liability branches and 21 microfinance and inclusive banking outlets in states including West Bengal, Gujarat, Telangana, Madhya Pradesh, Odisha, Rajasthan, and Tamil Nadu to bolster its microfinance entry and inclusive growth strategy.