1. India Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
AU Small Finance Bank Limited

AU Small Finance Bank Limited

AUBANK.NS
AU Small Finance Bank LimitedIN flagNational Stock Exchange of India
1,074.50
INR
+27.10
- -
804.11BMarket Cap
AU Small Finance Bank Limited
AUBANK.NS
(National Stock Exchange of India)

Recent

price

1,074.50

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
415,673
397,531
608,375

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
JD Bancshares, Inc. (JDVB)
National Capital Bancorp, Inc. (NACB)
Wintrust Financial Corporation (WTFCP)
PT Bank Maybank Indonesia Tbk (BNII.JK)
BV Financial, Inc. (BVFL)
ICICI Bank Limited (IBN)
Business
AU Small Finance Bank Limited operates as a scheduled commercial small finance bank in India that provides retail banking, MSME lending, and financial inclusion services to underserved and underbanked segments; its core products and services include savings accounts, current accounts, fixed deposits, recurring deposits, personal loans, vehicle loans, home loans, business loans, gold loans, microfinance loans, credit cards, insurance products, and digital banking solutions via the AU 0101 app. Founded in 1996 as AU Financiers (India) Limited, a vehicle finance NBFC, by Sanjay Agarwal and headquartered in Mumbai with a network of over 2,600 branches across 21 states and 4 union territories, the bank serves approximately 12 million customers with a balance sheet exceeding INR 1.60 lakh crore, a deposit base of INR 1.28 lakh crore, and a loan portfolio of INR 1.18 lakh crore as of June 2025. Recent developments include the completion of its acquisition of Fincare Small Finance Bank on April 1, 2024, through a stock swap merger that expanded its geographic footprint into southern and eastern India and boosted its asset base and customer access; a strategic corporate agency partnership with SBI Life Insurance announced in August 2025 to offer comprehensive life insurance solutions; the transfer of promoter shares to a non-operative holding company and relocation of its corporate office to Mumbai in August 2025 to strengthen pan-India presence; and in-principle approval from the Reserve Bank of India on August 7, 2025, to transition into a universal bank, marking the first such approval for a small finance bank in 11 years.