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	749.93
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	2645.91
Full Year CPS Full Year Cash Per Share	38.9
Earning Per Share Full Year Earning Per Share	35.3
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	5991.96
Previous EPS Previous earnings per share	0
Book Value Book value	263.2
Networth Full Year Return on Networth	14.22
Price/Book Value Price to Book value	4.099544
Yearly PE ratio Full Year Price to Earning per share	30.6
Yearly PC ratio Full Year Price to Cash Per Share	27.7
Bse value BSE Value in lakhs	330.6
Nse value NSE Value in lakhs	9945.12
High 52 week high	1105
Low 52 week low	683
Price NSE Current market price	1072
CPM Current market price	1079

Market cap BSE / NSE Market Cap	80917.54
Net profit Latest Quarter Net Profit	795.95
Net profit variance Latest Quarter Net Profit variance	37
Result year Trailing latest month	Jun 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	3759.13
TTM GPM Trailing Twelve 12 month Gross Profit Margin	16.77
TTM NP Trailing Twelve 12 month Net Profit	1882.37
TTM NPV Trailing Twelve 12 month Net Profit Variane	30.77
TTM EPS Trailing Twelve 12 month EPS	38.09
TTM PE Trailing Twelve 12 month PE	28.33
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	749.93
LTP Latest Price (BSE/NSE)	1079
Gross block Latest Gross Block	2173.05
Loans Total loans	152661.16
Advances Latest Advances for Banks	134275.63
Net profit asset Latest Assets	1030.9
Year OPM Full Year Operating Profit Margin	61.4
Year GPM Full Year Gross Profit Margin	17.4
Quarter OPM Latest quater Operation Profit Margin	61.3

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	3,911	4,113	4,271	4,378	4,511	4,727	5,019	5,303
YOY Sales Growth %	55%	50%	51%	16%	15%	15%	18%	21%
Gross Sales	3,911	4,113	4,271	4,378	4,511	4,727	5,019	5,303
+ Expenses	1,854	1,938	2,197	2,076	2,128	2,181	2,231	2,321
Manufacturing Cost %	18%	17%	17%	15%	16%	18%	18%	17%
Employee Cost %	20%	18%	19%	20%	20%	22%	21%	20%
Other Cost %	10%	12%	15%	12%	11%	7%	5%	7%
Other Manufacturing Expenses %	18%	17%	17%	15%	16%	18%	18%	17%
Provisions & Contingencies %	10%	12%	15%	12%	11%	7%	5%	7%
Operating Profit	2,057	2,176	2,073	2,302	2,383	2,547	2,788	2,982
OPM %	53%	53%	49%	53%	53%	54%	56%	56%
+ Other Income	638	618	761	811	713	724	731	689
Miscellaneous Income	638	618	761	811	713	724	731	689
Interest / Discount on Advances or Bills	3,280	3,441	3,556	3,665	3,786	4,016	4,244	4,510
Interest on Investments	508	569	618	645	644	650	708	751
Interest on Balances with RBI	15	19	22	17	30	23	23	24
Other Interest	108	85	75	52	51	38	45	18
Interest	1,936	2,091	2,177	2,334	2,367	2,386	2,437	2,607
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	759	703	657	779	729	884	1,082	1,064
+ Tax %	25%	25%	23%	25%	23%	24%	23%	25%
Current Tax	188	175	153	198	168	217	250	268
Net Profit	571	528	504	581	561	668	832	796
EPS in Rs

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

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	1,429	1,767	2,949	4,286	4,950	5,922	8,205	10,555	16,064	18,636
Sales Growth %		24%	67%	45%	15%	20%	39%	29%	52%	16%
Gross Sales	1,284	1,767	2,949	4,286	4,950	5,922	8,205	10,555	16,064	18,636
+ Expenses	399	885	1,224	1,701	2,328	2,774	3,595	4,855	7,750	8,617
Manufacturing Cost %	1%	2%	3%	2%	2%	2%	2%	2%	2%	2%
Employee Cost %	13%	24%	20%	18%	20%	23%	22%	20%	20%	21%
Other Cost %	14%	24%	19%	20%	25%	21%	20%	24%	27%	24%
Other Manufacturing Expenses %	1%	2%	3%	2%	2%	2%	2%	2%	2%	2%
Selling & Administration %	10%	9%	6%	6%	5%	8%	9%	9%	7%	6%
Miscellaneous Expenses %	6%	12%	10%	12%	18%	12%	9%	13%	18%	16%
Provisions & Contingencies %	6%	8%	5%	7%	14%	6%	2%	4%	11%	9%
Operating Profit	1,030	882	1,725	2,585	2,622	3,148	4,610	5,700	8,314	10,020
OPM %	72%	50%	58%	60%	53%	53%	56%	54%	52%	54%
+ Other Income	612	388	462	706	1,421	994	1,034	1,697	2,526	2,978
Miscellaneous Income	823	391	462	706	1,449	993	1,034	1,705	2,526	2,978
Interest / Discount on Advances or Bills	981	1,246	2,374	3,415	3,947	4,889	6,847	8,442	13,368	15,711
Interest on Investments	13	128	334	613	773	781	1,190	1,632	2,238	2,647
Interest on Balances with RBI	0	42	31	26	85	87	58	67	69	93
Other Interest	290	352	210	232	145	165	110	413	388	185
Exceptional Income	694	0	0	0	0	0	0	0	0	0
Interest	531	827	1,607	2,377	2,585	2,688	3,780	5,398	8,052	9,524
Depreciation	6	53	62	89	104	140	185	225	259	272
Profit before tax	1,143	443	580	914	1,459	1,454	1,865	1,999	2,788	3,474
+ Tax %	28%	34%	34%	26%	20%	22%	23%	23%	24%	24%
Current Tax	315	153	196	269	348	366	387	488	705	926
Deferred Tax	6	-2	3	-30	-60	-42	49	-23	-23	-94
+ Net Profit	823	292	382	675	1,171	1,130	1,428	1,535	2,106	2,641
Profit Growth %		-64%	31%	77%	73%	-3%	26%	7%	37%	25%
Extraordinary Income / Expense	670	0	0	0	0	0	0	-77	0	0
Exceptional Item	670	0	0	0	0	0	0	-77	0	0
Profit / Loss of Associates	1	0	0	0	0	0	0	0	0	0
Net Profit After Minority Interest	762	0	0	0	0	0	0	0	0	0
EPS in Rs	26.77

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	284	286	292	304	312	315	667	669	745	748
Reserves	1,703	1,978	2,828	4,021	5,860	7,158	10,267	11,828	16,298	18,985
+ Borrowings	7,071	15,562	28,036	36,499	43,009	58,575	75,664	92,661	135,928	166,533
Secured Borrowings	7,071	7,639	8,613	10,335	7,030	5,991	6,299	5,479	11,660	13,872
Unsecured Borrowings	0	7,923	19,422	26,164	35,979	52,585	69,365	87,182	124,269	152,661
+ Other Liabilities	753	1,007	1,467	1,319	2,410	3,030	3,619	4,267	4,875	5,532
Current Liabilities	755	1,008	1,462	1,267	2,307	2,988	3,575	4,205	4,751	5,291
Provisions	7	0	0	0	0	0	0	0	0	0
Equity Share Warrants	0	0	175	0	0	0	0	0	0	0
Equity Application Money	0	18	43	52	103	41	44	63	124	241
Total Liabilities	9,812	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846	191,797
+ Fixed Assets	36	380	440	438	477	609	707	784	825	881
Gross Block	66	461	577	659	797	1,061	1,340	1,587	1,948	2,173
Accumulated Depreciation	30	81	137	221	319	452	633	803	1,123	1,292
CWIP	240	6	7	10	5	14	33	67	87	555
Investments	2,150	3,051	7,162	10,668	10,815	15,307	20,072	27,133	37,848	44,794
+ Other Assets	7,386	15,396	25,014	31,027	40,294	53,149	69,404	81,441	119,086	145,567
Cash Equivalents	625	1,761	1,740	3,370	4,781	5,929	9,425	6,376	9,466	8,523
Loans n Advances	6,763	13,654	23,312	27,657	35,512	47,220	59,979	75,064	109,619	137,044
Other asset items	-2	-19	-38	0	0	0	0	0	0	0
Total Assets	9,812	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846	191,797

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	884	2,505	848	660	5,056	6,849	5,494	2,608	5,462	1,829
Profit from Operations	503
Working Capital Changes	701
Profit Before Tax & Extraordinary Items	1,082	443	580	914	1,459	1,454	1,865	1,999	2,788	3,474
Depreciation	6	53	62	89	104	140	185	225	259	272
Profit / Loss on Sale of Assets	0	1	1	1	1	1	1	1	4	6
Profit / Loss on Sale of Investments	-607	0	0	0	0	0	0	0	-6	4
Provisions & Write-offs (Net)	16	108	122	274	672	465	261	564	2,164	2,227
Receivables	672	0	0	0	0	0	0	0	0	0
Loans & Advances	-58	-6,818	-9,582	-4,239	-8,123	-11,433	-12,369	-14,841	-23,511	-29,010
Change in Deposits	0	7,923	11,499	6,741	9,815	16,605	16,780	17,817	26,565	28,393
Direct Taxes Paid	-320	-154	-193	-269	-314	-385	-370	-488	-668	-974
+ Cash from Investing Activity	-1,800	-1,890	-2,305	-1,267	-990	-4,753	-4,320	-4,855	-4,780	-5,090
Purchase of Fixed Assets	-177	-165	-126	-92	-141	-282	-306	-346	-264	-809
Sale of Fixed Assets	6	1	2	2	2	1	2	8	7	7
Purchase of Investments	-7,389	-1,725	-2,180	-1,177	-850	-4,472	-4,016	-4,516	-5,674	-4,288
Sale of Investments	5,348	0	0	0	0	0	0	0	0	0
Investment in Group Companies	575	0	0	0	0	0	0	0	0	0
Others	-164	0	0	0	0	0	0	0	1,152	0
+ Cash from Financing Activity	1,022	521	1,436	2,237	-2,655	-948	2,323	-802	2,407	2,318
Proceeds from Issue of Shares	172	0	0	0	658	90	2,069	84	61	181
Proceeds from Issue of Debentures	0	3	482	546	0	0	0	0	0	0
Proceeds from Other Long-Term Borrowings	990	519	974	1,722	0	0	308	0	2,420	2,212
Redemption of Debentures	0	-1	-3	-4	0	0	0	0	0	0
Repayment of Long-Term Borrowings	0	0	0	0	-3,306	-1,039	0	-819	0	0
Repayment of Short-Term Borrowings	-128	0	0	0	0	0	0	0	0	0
Dividend Paid	0	0	-17	-26	0	0	-32	-67	-74	-75
Others	-12	0	0	0	-7	0	-23	0	0	0
Net Cash Flow	106	1,136	-21	1,629	1,412	1,147	3,497	-3,049	3,090	-943