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AU Small Finance Bank Limited

Company price
936.95 INR 32.60 ( 3.60%)
Last update at 2026-11-05T09:45:00Z
VOLUME
1773883
Market Cap
739532.01M
P/E
34.06

Momentum Score

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AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

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Day Price Range
920.00
Low
947.65
High
52 Week Price Range
488.85
Low
1026.80
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
904.35
Dividend Yield
-
Revenue TTM
90570.65M
Revenue Per Share
121.63
Gross Profit TTM
90570.65M
Debt / Equity
0.68
ROE
12.65%
Net Debt
21935.41M
ROCE
8.49%
Diluted EPS TTM
29.13

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 27880.57M 19994.32M 18646.37M 14540.75M 11706.85M
Net income 21059.27M 15347.19M 14279.25M 11298.34M 11706.85M
Selling general administrative 1021.50M 833.70M 708.36M 353.98M 240.29M
Selling and marketing expenses 7481.09M 7173.36M 4610.02M 2097.67M 1161.71M
Gross profit 105415.00M 68556.21M 54597.46M 42284.56M 38179.19M
Reconciled depreciation 2585.14M 2254.44M 1854.18M 1401.67M 1043.68M
Ebit 27880.57M 19994.32M 16792.28M 13139.08M 13541.36M
Ebitda 30465.71M 22248.76M 18646.45M 14540.74M 14585.05M
Depreciation and amortization 2585.14M 2254.44M 1854.18M 1401.67M 1043.68M
Operating income 27880.57M 19994.32M 16792.28M 13139.08M 13541.36M
Other operating expenses 158055.92M 102538.19M -34402.70M -24127.74M -16584.25M
Interest expense 80521.49M 53976.29M 37801.26M 26876.06M 25846.10M
Tax provision 6821.27M 4647.10M 4367.11M 3242.36M 2878.24M
Interest income 160637.31M 105547.13M 82054.08M 59217.31M 49500.51M
Net interest income 80115.82M 51570.84M 44252.82M 32341.25M 23654.42M
Income tax expense 6821.30M 4647.10M 4367.11M 3242.40M 2878.24M
Total revenue 185936.49M 122532.51M 54597.46M 42284.56M 38179.19M
Total operating expenses 77534.43M 48561.89M 34402.70M 25670.34M 16584.25M
Cost of revenue 80521.49M 53976.29M - - -
Total other income expense net -28094.55M -13.96M 18646.45M 14540.74M 14585.05M
Net income from continuing ops 21059.27M 15347.19M 14279.25M 11298.34M 11706.85M
Net income applicable to common shares 21059.27M 15347.19M 14279.25M 11298.34M 11706.85M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 1578456.66M 1094256.70M 902161.18M 690778.00M 515913.06M
Intangible assets - 9636.29M - - -
Earning assets - - - - 139427.84M
Other current assets -15954.48M 64756.59M 91631.85M 26594.82M 17129.21M
Total liab 1406793.84M 968661.38M 792387.75M 615637.86M 453160.90M
Total stockholder equity 171662.82M 125595.32M 109773.44M 75140.14M 62752.16M
Other current liab 1242685.44M 278682.58M -3667.75M -2505.48M -3338.80M
Common stock 7445.31M 6691.62M 6667.45M 3149.00M 3122.13M
Capital stock 7445.31M 6691.62M 6667.45M 3149.00M 3122.13M
Retained earnings 71191.54M 51728.83M 42871.37M 33824.21M 26911.02M
Other liab - - 29968.49M 25480.63M 18560.01M
Other assets 1467792.93M -42014.81M 884400.11M 678265.18M 474786.72M
Cash 94663.62M 63763.34M 94251.72M 59765.02M 48179.90M
Total current liabilities 1250120.22M 304970.49M 3667.75M 2505.48M 3338.80M
Current deferred revenue - -4956.05M - - -
Net debt 21935.41M -8969.62M -31265.20M 142.77M 22117.06M
Short term debt 61418.53M 21331.87M - - -
Short long term debt total 116599.02M 130842.11M 62986.52M 59907.79M 70296.96M
Other stockholder equity 53300.37M 38987.85M 60234.62M 38166.93M 32719.01M
Property plant equipment 9124.65M 8515.92M 7401.39M 6225.71M 4823.69M
Total current assets 94663.62M 64756.59M 10359.68M 6287.11M 36302.65M
Long term investments 378475.23M 271333.65M 200720.10M 153065.04M 108154.14M
Net tangible assets - - - 75140.14M 62752.16M
Short term investments - - -83892.04M -53477.91M -11877.25M
Net receivables 15954.48M 9636.29M 7195.27M 8057.21M 5109.12M
Long term debt 116599.02M 54793.72M 62986.52M 59907.79M 70296.96M
Inventory - -73399.63M - - -
Accounts payable 7434.78M 4956.05M 3667.75M 2505.48M 3338.80M
Accumulated other comprehensive income 39725.60M 28187.01M - - -
Non currrent assets other 403935.10M 512976.44M -200720.10M -153065.04M -108154.14M
Non current assets total 1483793.04M 1071514.92M 7401.39M 6225.71M 4823.69M
Long term debt total 116599.02M 54793.72M 62986.52M 59907.79M 70296.96M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -59314.71M -48547.61M -43195.02M -44723.60M -8500.76M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -59314.71M -48547.61M -43195.02M -47533.66M -9897.45M
Net borrowings 24202.57M -8192.80M - -10389.17M -33056.28M
Total cash from financing activities 289719.77M 170149.84M 23225.20M -9484.37M -26546.99M
Change to operating activities - - - -114310.86M -66806.68M
Net income 27880.54M 19994.29M 18646.37M 14540.70M 14585.08M
Change in cash 30900.28M -30488.38M 34966.57M 11471.80M 14116.57M
Begin period cash flow 63763.34M 94251.72M 59285.15M 47813.36M 33696.79M
End period cash flow 94663.62M 63763.34M 94251.72M 59285.15M 47813.36M
Total cash from operating activities -211023.15M -152090.60M 54936.40M 68489.82M 50561.01M
Issuance of capital stock 613.09M 838.35M 20693.74M 904.80M 6579.78M
Depreciation 2585.14M 2254.44M 1854.18M 1401.67M 1043.68M
Other cashflows from investing activities -56671.09M 81.25M -40135.67M -44708.76M -8485.19M
Dividends paid 743.16M 667.01M -315.09M 315.09M 0.00M
Sale purchase of stock 613.09M 838.35M 20693.74M 904.80M 6579.78M
Other cashflows from financing activities 265647.26M 178171.30M 2846.56M -10389.17M -33126.78M
Change to netincome - - - 4047.60M 6463.30M
Capital expenditures 2643.61M 3464.17M 3059.36M 2824.89M 1412.26M
Change in working capital 9030.80M -444.94M 35516.55M 51742.21M 31347.18M
Stock based compensation 577.92M 303.35M 207.58M 184.83M 767.91M
Other non cash items -251097.55M -174197.74M 916.92M 766.31M 356.45M
Free cash flow -213666.76M 19110.29M 51877.04M 65664.93M 49148.75M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(INR)
Price
(INR)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
AUBANK
AU Small Finance Bank Limited
32.60
3.60%
936.95 34.06 26.81 8.17 4.09 7.60
HDFCBANK
HDFC Bank Limited
23.80
3.23%
760.50 21.14 16.26 5.13 1.85 8.93
ICICIBANK
ICICI Bank Limited
74.20
5.21%
1498.30 19.41 17.45 5.38 3.01 5.74
SBIN
State Bank of India
27.50
2.81%
1006.50 11.19 11.30 2.60 1.65 4.35
KOTAKBANK
Kotak Mahindra Bank Limited
8.05
1.75%
467.45 22.74 22.32 5.81 2.54 6.79

Profile*

AU Small Finance Bank Limited

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

CP3-232, Industrial Area, Jaipur, India, 302022

91 14 1666 0666

50946

Name Title Year Born
Mr. Sanjay Agarwal C.A. MD, CEO & Director 1971
Mr. Vimal Jain Chief Financial Officer 1981
Mr. Manmohan Parnami Company Sec. & Compliance Officer NA
Mr. Uttam Tibrewal Exec. Director 1971
Mr. Deepak Jain Chief Risk Officer 1974
Mr. Shekhar Shukla Head of Operations 1969
Mr. Sharad Goklani Chief Technology Officer NA
Mr. Ankur Tripathi Chief Information Officer 1984
Mr. Prince Tiwari Chief of Financial Institutions Group & Chief Investor Relations Officer NA
Mr. Shoorveer Singh Shekhawat Head of Marketing, Video Banking & TFx Initiatives NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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