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Stock Analysis

Description

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services.

Key Growth Triggers

Company has delivered good profit growth of 25.6% CAGR over last 5 years.
Company's median sales growth is 38.1% of last 10 years.

Order Book

Currently no data available for Order Book.

Key Red Flags

Stock is trading at 4.15 times its book value.
Company has low interest coverage ratio.

Key Dates To Watch

Currently no data available for Key Dates To Watch.

Corporate Announcements

2nd Apr 26

Impact Rating: 8

CRISIL reaffirms AU Small Finance Bank's 'AA/Stable' rating on its Tier-II bonds and 'AA+/Stable' on fixed deposits. The bank's capitalisation and asset quality remain key strengths.

28th Mar 26

Impact Rating: 5

AU Small Finance Bank Limited has announced that Ms. Kavita Venugopal stepped down as an Independent Director on March 28, 2026, upon completion of her term. The bank acknowledged her contributions.

25th Mar 26

Impact Rating: 5

In compliance with SEBI's PIT Regulations, AU Small Finance Bank will close its trading window starting April 1, 2026. The window will reopen after financial results are declared.

21st Mar 26

Impact Rating: 8

AU Small Finance Bank allotted 42,604 equity shares from ESOPs on March 21, 2026, increasing paid-up capital from ₹7,48,22,45,170 to ₹7,48,26,71,210.

13th Mar 26

Impact Rating: 9

Wasatch Advisors LP transferred 1,339,659 shares of AU Small Finance Bank off-market, lowering its stake to 2.988% from 3.167%. Intimation was on March 11, 2026. Bank's equity share capital was Rs. 7,480,911,000.00 prior.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	AU Small Finance	1008.75	34.67	75371.85	0.10	560.87	-1.81	4511.28	15.36	8.40	17273.80	51.72	2173.88	560.87	4.15	1.58	7.87
2.	Ujjivan Small	58.21	27.07	11286.68	0.00	121.72	-47.77	1682.31	4.31	8.53	6465.58	38.93	416.95	121.72	1.81	1.65	6.77
3.	Equitas Sma. Fin	66.64	–	7601.76	0.00	24.14	87.42	1617.35	4.02	6.85	6522.11	33.88	-91.21	24.14	1.30	0.30	8.12
4.	Jana Small Finan	420.15	10.76	4423.07	0.00	74.99	-22.47	1304.78	11.90	8.15	4933.52	40.70	411.06	74.99	1.03	1.41	8.49
5.	Utkarsh Small F.	15.40	–	2740.47	0.00	-348.46	-778.07	839.97	-14.89	7.17	3532.93	7.10	-753.02	-348.46	1.17	0.09	9.98
6.	Fino Payments	253.30	26.28	2107.92	0.00	15.35	-27.42	60.11	25.88	6.64	223.23	-615.28	80.22	15.35	2.80	2.43	3.93
7.	Suryoday Small	144.29	23.52	1533.66	0.00	30.41	-33.00	519.66	2.46	7.28	1973.26	37.70	65.21	30.41	0.77	0.82	7.11
–	Median: 9 Co.	144.29	24.9	2740.47	0.0	30.41	-22.47	839.97	4.31	7.17	3532.93	37.7	80.22	30.41	1.17	1.36	7.87

Quarterly Results

Standalone figures in ₹ crores

	Dec 2022	Dec 2023	Dec 2024	Jun 2023	Jun 2024	Jun 2025	Mar 2023	Mar 2024	Mar 2025	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	925	1,269	1,938	1,048	1,761	2,076	1,016	1,346	2,197	875	1,122	1,854	2,128
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	295	442	618	315	509	811	333	464	761	247	406	638	713
Profit before tax	523	498	703	513	669	779	530	455	657	456	533	759	729
Tax %	25%	25%	25%	25%	25%	25%	20%	18%	23%	25%	25%	25%	23%
Net Profit	393	375	528	387	503	581	425	371	504	343	402	571	561
EPS in Rs	5.89	5.61	7.10	5.80	6.76	7.79	6.37	5.54	6.77	5.15	6.01	7.68	7.52

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	184	209	289	445	832	1,163	1,612	2,224	2,634	3,410	4,629	7,491	8,340
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	4	2	5	810	388	462	706	1,421	994	1,034	1,697	2,526	2,902
Interest	289	282	395	496	827	1,607	2,377	2,585	2,688	3,780	5,398	8,052	8,968
Depreciation	3	7	9	6	53	62	89	104	140	185	225	259	0
Profit before tax	138	208	323	1,143	443	580	914	1,458	1,454	1,865	1,999	2,788	2,868
Net Profit	92	140	212	822	292	382	675	1,171	1,130	1,428	1,535	2,106	2,174
EPS in Rs	10.68	15.90	23.99	14.46	5.11	6.53	11.09	18.75	17.94	21.42	22.93	28.29	29.18
Dividend Payout %	-0%	-0%	-0%	-0%	5%	6%	-0%	-0%	3%	5%	4%	4%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	43	44	44	284	286	292	304	312	315	667	669	745	746
Reserves	598	767	965	1,703	1,995	2,871	4,073	5,963	7,199	10,311	11,890	16,422	17,399
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	242	346	502	674	989	1,424	1,267	2,307	2,988	3,575	4,205	4,751	4,568
Total Liabilities	3,013	4,035	6,294	9,781	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846	165,542
Fixed Assets	17	19	24	36	380	440	438	477	609	707	784	825	1,322
Gross Block	26.68	34.85	48.74	65.83	461.36	576.62	658.98	796.68	1,061.02	1,340.48	1,587.06	1,948.37	–
Accumulated Depreciation	9.82	16.33	24.53	29.85	80.98	136.95	220.72	319.30	452.35	633.19	802.93	1,123.35	–
CWIP	-0	0	0	240	6	7	10	5	14	33	67	87	-0
Investments	114	140	232	2,150	3,051	7,162	10,668	10,815	15,306	20,072	27,133	37,848	38,382
Other Assets	2,883	3,877	6,038	7,355	15,396	25,014	31,027	40,294	53,149	69,404	81,441	119,086	125,838
Total Assets	3,013	4,035	6,294	9,781	18,833	32,623	42,143	51,591	69,078	90,216	109,426	157,846	165,542

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-570	-747	-1,938	-2,405	2,505	848	660	5,056	6,849	5,494	2,608	5,462
Cash from Investing Activity	611	-23	-33	552	-1,890	-2,305	-1,267	-990	-4,753	-4,320	-4,855	-4,780
Cash from Financing Activity	-266	782	1,964	2,448	521	1,436	2,237	-2,655	-948	2,323	-802	2,407
Net Cash Flow	-225	12	-7	596	1,136	-21	1,629	1,412	1,147	3,497	-3,049	3,090

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	25.55%	25.54%	25.53%	25.48%	25.47%	25.45%	22.92%	22.91%	22.89%	22.87%	22.85%	22.82%
FIIs	39.61%	39.74%	41.61%	41.64%	41.13%	39.37%	39.58%	40.71%	39.34%	35.58%	37.68%	34.50%
DIIs	20.64%	20.62%	19.25%	19.56%	20.81%	22.77%	18.44%	20.13%	21.78%	27.16%	28.86%	31.91%
Public	14.21%	14.09%	13.63%	13.31%	12.63%	12.40%	19.06%	16.23%	15.99%	14.39%	10.59%	10.78%

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

CRISIL Reaffirms 'AA/Stable' Rating on AU Small Finance Bank's Long-Term Debt; 'AA+/Stable' on Fixed Deposits

2nd April 2026, 11:52 pm

Ms. Kavita Venugopal Completes Tenure as Independent Director at AU Small Finance Bank

29th March 2026, 3:52 am

AU Small Finance Bank to Close Trading Window from April 1, 2026

25th March 2026, 10:50 pm

AU Small Finance Bank Allots 42,604 Equity Shares on ESOP Exercise

21st March 2026, 10:35 pm

Wasatch Advisors LP Reduces Stake in AU Small Finance Bank

13th March 2026, 4:29 pm

Published by Other Websites

External media mentions & references

Geopolitics Hits India: Motilal Oswal Lists 21 Top Stock Picks

2nd April 2026, 11:54 am

Oil Soars on Trump-Iran Tensions; India Invests ₹7100 Cr in Electronics

30th March 2026, 10:22 pm

Haryana Police Probe Hits Kotak, AU SFB; Kotak Pays ₹120 Cr

30th March 2026, 3:45 pm

RBI Currency Curbs Trigger Bank Stock Sell-Off: Nifty Bank Falls 2.5%

30th March 2026, 1:36 pm

RBI Forex Curb Sinks Bank Nifty 2%, Banks Lead Losses

30th March 2026, 10:00 am

News Articles

Editorial & research coverage

RBI Approves Third Term for AU Bank MD Agarwal Amid Universal Lender Push

13th February 2026, 12:22 pm

AI Fears Trigger IT Sell-off Amidst Mixed Q3 Earnings

13th February 2026, 8:51 am

Q3 Earnings Surge, MSCI Rejig Fuel Indian Markets; Risks Remain

11th February 2026, 8:28 am

AU Small Finance Surges on MSCI Inflow; L&T, AB Capital Added to Global Index

11th February 2026, 7:30 am

MSCI Rejig Signals Capital Shift: Financials Gain, Industrials Face Scrutiny

10th February 2026, 5:40 pm

Documents

Announcements

Intimation Under SEBI (LODR) Regulation, 2015

3 Jan - Q3 FY26 provisional: Total deposits ₹1,38,420cr; Gross advances ₹1,25,210cr; CASA 28.9%.

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

30 Dec - The Bank has allotted 2,48,641 equity shares of face value of Rs. 10/- each on December 30, 2025, pursuant to exercise of equivalent number of …

Closure of Trading Window

Shareholder Meeting / Postal Ballot-Scrutinizer"s Report

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

12 Dec - The Bank has allotted 2,71,991 equity shares of face value of Rs. 10/- each on December 12, 2025, pursuant to exercise of equivalent number of …