AU Small Finance Bank Ltd, Fundamental analysis

AU Small Finance Bank Ltd - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Banks
Variance Full Year Net Profit Variance	25
Equity Latest Equity	748.97
Face Value Latest Face Value	10
Reserves Total Reserve	18984.5
Dividend Full Year Dividend %	10
Sales Turnover Full Year Net Sales	21614.28
Net Profit Full Year Net Profit	2641.25
Full Year CPS Full Year Cash Per Share	35.3
Earning Per Share Full Year Earning Per Share	35.3
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Mar 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	5750.1
Previous EPS Previous earnings per share	0
Book Value Book value	263.5
Networth Full Year Return on Networth	14.17
Price/Book Value Price to Book value	3.927894
Yearly PE ratio Full Year Price to Earning per share	29.3
Yearly PC ratio Full Year Price to Cash Per Share	29.3
Bse value BSE Value in lakhs	379.85
Nse value NSE Value in lakhs	6318.24
High 52 week high	1090
Low 52 week low	683
Price NSE Current market price	1035
CPM Current market price	1035

Market cap BSE / NSE Market Cap	77533.58
Net profit Latest Quarter Net Profit	831.87
Net profit variance Latest Quarter Net Profit variance	65
Result year Trailing latest month	Mar 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	15397.52
TTM OP Trailing Twelve 12 month Operating Profit	9068.78
TTM OPM Trailing Twelve 12 month Operating Profit Margin	58.9
TTM GP Trailing Twelve 12 month Gross Profit	3474.05
TTM GPM Trailing Twelve 12 month Gross Profit Margin	16.07
TTM NP Trailing Twelve 12 month Net Profit	1882.37
TTM NPV Trailing Twelve 12 month Net Profit Variane	25.26
TTM EPS Trailing Twelve 12 month EPS	35.27
TTM PE Trailing Twelve 12 month PE	29.35
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	748.97
LTP Latest Price (BSE/NSE)	1035
Gross block Latest Gross Block	1948.37
Loans Total loans	124268.54
Advances Latest Advances for Banks	107092.48
Net profit asset Latest Assets	832.35
Year OPM Full Year Operating Profit Margin	46.4
Year GPM Full Year Gross Profit Margin	16.1
Quarter OPM Latest quater Operation Profit Margin	61.2

Quarterly Results (consolidated, figures in Rs Cr.)

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
+ Sales	3,769	3,911	4,113	4,271	4,378	4,511	4,727	5,019
YOY Sales Growth %	53%	55%	50%	51%	16%	15%	15%	18%
Gross Sales	3,769	3,911	4,113	4,271	4,378	4,511	4,727	5,019
+ Expenses	1,761	1,854	1,938	2,197	2,076	2,128	2,181	2,231
Manufacturing Cost %	18%	18%	17%	17%	15%	16%	18%	18%
Employee Cost %	21%	20%	18%	19%	20%	20%	22%	21%
Other Cost %	8%	10%	12%	15%	12%	11%	7%	5%
Other Manufacturing Expenses %	18%	18%	17%	17%	15%	16%	18%	18%
Provisions & Contingencies %	8%	10%	12%	15%	12%	11%	7%	5%
Operating Profit	2,008	2,057	2,176	2,073	2,302	2,383	2,547	2,788
OPM %	53%	53%	53%	49%	53%	53%	54%	56%
+ Other Income	509	638	618	761	811	713	724	731
Miscellaneous Income	509	638	618	761	811	713	724	731
Interest / Discount on Advances or Bills	3,092	3,280	3,441	3,556	3,665	3,786	4,016	4,244
Interest on Investments	543	508	569	618	645	644	650	708
Interest on Balances with RBI	14	15	19	22	17	30	23	23
Other Interest	120	108	85	75	52	51	38	45
Interest	1,848	1,936	2,091	2,177	2,334	2,367	2,386	2,437
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	669	759	703	657	779	729	884	1,082
+ Tax %	25%	25%	25%	23%	25%	23%	24%	23%
Current Tax	166	188	175	153	198	168	217	250
Net Profit	503	571	528	504	581	561	668	832
EPS in Rs

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Sales	1,206	1,429	1,767	2,949	4,286	4,950	5,922	8,205	10,555	16,064
Sales Growth %		19%	24%	67%	45%	15%	20%	39%	29%	52%
Gross Sales		1,284	1,767	2,949	4,286	4,950	5,922	8,205	10,555	16,064
+ Expenses	339	399	885	1,224	1,701	2,328	2,774	3,595	4,855	7,750
Manufacturing Cost %	0%	1%	2%	3%	2%	2%	2%	2%	2%	2%
Employee Cost %	15%	13%	24%	20%	18%	20%	23%	22%	20%	20%
Other Cost %	13%	14%	24%	19%	20%	25%	21%	20%	24%	27%
Other Manufacturing Expenses %	0%	1%	2%	3%	2%	2%	2%	2%	2%	2%
Selling & Administration %	8%	10%	9%	6%	6%	5%	8%	9%	9%	7%
Miscellaneous Expenses %	5%	6%	12%	10%	12%	18%	12%	9%	13%	18%
Provisions & Contingencies %		6%	8%	5%	7%	14%	6%	2%	4%	11%
Operating Profit	867	1,030	882	1,725	2,585	2,622	3,148	4,610	5,700	8,314
OPM %	72%	72%	50%	58%	60%	53%	53%	56%	54%	52%
+ Other Income	8	612	388	462	706	1,421	994	1,034	1,697	2,526
Miscellaneous Income		823	391	462	706	1,449	993	1,034	1,705	2,526
Interest / Discount on Advances or Bills		981	1,246	2,374	3,415	3,947	4,889	6,847	8,442	13,368
Interest on Investments		13	128	334	613	773	781	1,190	1,632	2,238
Interest on Balances with RBI		0	42	31	26	85	87	58	67	69
Other Interest		290	352	210	232	145	165	110	413	388
Exceptional Income		694	0	0	0	0	0	0	0	0
Interest	492	531	827	1,607	2,377	2,585	2,688	3,780	5,398	8,052
Depreciation	10	6	53	62	89	104	140	185	225	259
Profit before tax		1,143	443	580	914	1,459	1,454	1,865	1,999	2,788
+ Tax %		28%	34%	34%	26%	20%	22%	23%	23%	24%
Current Tax	131	315	153	196	269	348	366	387	488	705
Deferred Tax	-3	6	-2	3	-30	-60	-42	49	-23	-23
+ Net Profit		823	292	382	675	1,171	1,130	1,428	1,535	2,106
Profit Growth %			-64%	31%	77%	73%	-3%	26%	7%	37%
Extraordinary Income / Expense		670	0	0	0	0	0	0	-77	0
Exceptional Item		670	0	0	0	0	0	0	-77	0
Profit / Loss of Associates	1	1	0	0	0	0	0	0	0	0
Net Profit After Minority Interest	247	762	0	0	0	0	0	0	0	0
EPS in Rs	55.59	26.77

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	44	284	286	292	304	312	315	667	669	745
Reserves	1,022	1,703	1,978	2,828	4,021	5,860	7,158	10,267	11,828	16,298
+ Borrowings	6,232	7,071	15,562	28,036	36,499	43,009	58,575	75,664	92,661	135,928
Secured Borrowings	6,232	7,071	7,639	8,613	10,335	7,030	5,991	6,299	5,479	11,660
Unsecured Borrowings	0	0	7,923	19,422	26,164	35,979	52,585	69,365	87,182	124,269
+ Other Liabilities	634	753	1,007	1,467	1,319	2,410	3,030	3,619	4,267	4,875
Current Liabilities	637	755	1,008	1,462	1,267	2,307	2,988	3,575	4,205	4,751
Provisions	5	7	0	0	0	0	0	0	0	0
Minority Interest	4	0	0	0	0	0	0	0	0	0
Equity Share Warrants	0	0	0	175	0	0	0	0	0	0
Equity Application Money	0	0	18	43	52	103	41	44	63	124
Total Liabilities	7,933	9,812	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846
+ Fixed Assets	30	36	380	440	438	477	609	707	784	825
Gross Block	58	66	461	577	659	797	1,061	1,340	1,587	1,948
Accumulated Depreciation	27	30	81	137	221	319	452	633	803	1,123
CWIP	0	240	6	7	10	5	14	33	67	87
Investments	89	2,150	3,051	7,162	10,668	10,815	15,307	20,072	27,133	37,848
+ Other Assets	7,813	7,386	15,396	25,014	31,027	40,294	53,149	69,404	81,441	119,086
Cash Equivalents	430	625	1,761	1,740	3,370	4,781	5,929	9,425	6,376	9,466
Loans n Advances	7,389	6,763	13,654	23,312	27,657	35,512	47,220	59,979	75,064	109,619
Other asset items	-7	-2	-19	-38	0	0	0	0	0	0
Total Assets	7,933	9,812	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
+ Cash from Operating Activity	-1,719	884	2,505	848	660	5,056	6,849	5,494	2,608	5,462
Profit from Operations	392	503
Working Capital Changes	-1,995	701
Profit Before Tax & Extraordinary Items	373	1,082	443	580	914	1,459	1,454	1,865	1,999	2,788
Depreciation	10	6	53	62	89	104	140	185	225	259
Profit / Loss on Sale of Assets	0	0	1	1	1	1	1	1	1	4
Profit / Loss on Sale of Investments	-6	-607	0	0	0	0	0	0	0	0
Provisions & Write-offs (Net)	14	16	108	122	274	672	465	261	564	2,177
Receivables	-2,840	672	0	0	0	0	0	0	0	0
Loans & Advances	-8	-58	-6,818	-9,582	-4,239	-8,123	-11,433	-12,369	-14,841	-22,300
Change in Deposits	0	0	7,923	11,499	6,741	9,815	16,605	16,780	17,817	26,565
Direct Taxes Paid	-117	-320	-154	-193	-269	-314	-385	-370	-488	-668
+ Cash from Investing Activity	39	-1,800	-1,890	-2,305	-1,267	-990	-4,753	-4,320	-4,855	-4,780
Purchase of Fixed Assets	-15	-177	-165	-126	-92	-141	-282	-306	-346	-264
Sale of Fixed Assets	0	6	1	2	2	2	1	2	8	7
Purchase of Investments	-1,765	-7,389	-1,725	-2,180	-1,177	-850	-4,472	-4,016	-4,516	-5,674
Sale of Investments	1,748	5,348	0	0	0	0	0	0	0	0
Investment in Group Companies	0	575	0	0	0	0	0	0	0	0
Others	70	-164	0	0	0	0	0	0	0	1,152
+ Cash from Financing Activity	1,958	1,022	521	1,436	2,237	-2,655	-948	2,323	-802	2,407
Proceeds from Issue of Shares	4	172	0	0	0	658	90	2,069	84	61
Proceeds from Issue of Debentures	0	0	3	482	546	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	1,904	990	519	974	1,722	0	0	308	0	2,420
Redemption of Debentures	0	0	-1	-3	-4	0	0	0	0	0
Repayment of Long-Term Borrowings	0	0	0	0	0	-3,306	-1,039	0	-819	0
Repayment of Short-Term Borrowings	56	-128	0	0	0	0	0	0	0	0
Dividend Paid	0	0	0	-17	-26	0	0	-32	-67	-74
Others	-5	-12	0	0	0	-7	0	-23	0	0
Net Cash Flow	278	106	1,136	-21	1,629	1,412	1,147	3,497	-3,049	3,090