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    Regional banks
AU Small Finance Bank Limited

AU Small Finance Bank Limited

953.90
INR
-0.10
(-0.01%)
38.20EPS
26.93P/E
776.72BMarket Cap
Oct 24Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
5
7.15
11.45
28.03
23.34
31.12
44.17
61.78
67.49
83.6
102.64
141.77
162.12
168.94
Basic EPS, GAAP
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
38.51
Free Cash Flow per Basic Share
-10.11
-13.33
-34.42
-48.24
41.08
12.44
9.58
80.18
104.8
79.42
33.86
69.91
13.67
- -
Dividend per Share
- -
- -
- -
- -
- -
0.3
0.45
- -
- -
0.48
1
1
1
- -
Book Value per Share
10.51
13.48
17.6
34.96
39.92
54.09
71.96
100.5
119.31
164.64
187.69
230.57
266.93
- -
Tangible Book Value per Share
10.5
13.46
17.57
33.53
39.92
54.09
71.96
100.5
119.31
164.64
187.69
230.57
266.93
- -
Basic Weighted Avg Shares
567
567
567
569
570
580
592
613
627
653
668
744
746
747
Sales/Revenue/Turnover
2,839
4,055
6,496
15,936
13,291
18,060
26,161
37,873
42,285
54,604
68,556
105,415
120,970
126,183
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
33
65
85
58
532
618
886
1,044
1,402
1,854
2,254
2,585
2,715
- -
Net Income, GAAP
725
1,395
2,472
8,220
2,920
3,818
6,748
11,707
11,298
14,279
15,347
21,059
26,413
28,763
Effective Tax Rate (%)
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
24.49
Profit Margin (%)
25.55
34.39
38.05
51.58
21.97
21.14
25.79
30.91
26.72
26.15
22.39
19.98
21.83
22.79
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
- -
Total Equity
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
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.54
4.33
5.17
10.97
3.07
3.56
5.21
8.45
8.43
9.28
8.69
8.99
8.43
- -
Return on Common Equity (%)
13.96
20.44
27.97
55.01
13.68
14.03
17.9
21.98
16.39
15.44
13.04
14.17
14.22
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
747
748
749
Market Capitalization
743,071
630,565
776,721

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
86,560
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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
38.91%
26.97%
14.76%
Total Cash Common Dividend
- -
- -
0.27%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
24,299
26,123
26,411
28,546
105,415
2026
28,553
- -
30,651
33,133
120,970
2027
33,847
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.77
7.68
7.1
6.77
28.32
2026
7.8
- -
8.94
11.13
35.4
2027
10.63
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
1
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sanjay K. Agarwal
Full Time Employees
59,207
Sector
Finance
Industry
Regional banks
Address
Kanakia Zillion Mumbai MA India 400070
IPO Date
Jul 10, 2017
Website
aubank.in
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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.