NSE: AUBANK · BSE: 540611 · ISIN INE949L01017
AU Small Finance Bank Limited stock analysis
AU Small Finance Bank Limited ranks #1562 in the TickerSutra evidence-ranked universe with a score of 52/100 and 95% data confidence. The latest captured fundamentals show ROCE of 7.7%, quarterly sales growth of 21.1% and quarterly profit growth of 37.0%.Monitor only
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- Strong CFO/EBITDA of 2.38×
- 31.4% three-year sales CAGR
- Institutional ownership is rising
- CWIP indicates an active capacity pipeline
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- Promoter holding is below 25%
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹5,922cr | ₹601cr | ₹1,130cr | 10.0% |
| 2023 | ₹8,205cr | ₹1,016cr | ₹1,428cr | 12.0% |
| 2024 | ₹10,555cr | ₹528cr | ₹1,535cr | 5.0% |
| 2025 | ₹16,064cr | ₹520cr | ₹2,106cr | 3.0% |
| 2026 | ₹18,636cr | ₹768cr | ₹2,641cr | 4.0% |
| TTM | ₹19,561cr | ₹903cr | ₹2,856cr | 5.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
RoutineChange in Directors/KMP/SMP/Auditor/RTANSE · 29 Sept 2026 · Structured filingAU Small Finance Bank Limited has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA
AU Small Finance Bank Limited has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA
Open original XBRL sourceAU Small Finance Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on September 28, 2026.
RoutineAlteration Of Capital and Fund Raising-XBRLNSE · 23 Sept 2026 · Structured filingAU Small Finance Bank Limited has informed the Exchange regarding Allotment of Securities
AU Small Finance Bank Limited has informed the Exchange regarding Allotment of Securities
Open original XBRL sourceAU Small Finance Bank Limited has informed the Exchange regarding Allotment of 378830 Shares.
RoutineAU Small Finance Bank Ltd - 540611 - Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSBSE · 23 Sept 2026We hereby inform that the Bank has allotted 3,78,830 equity shares of face value of Rs. 10/- each on September 22, 2026, pursuant to exercise of equivalent number of Employee Stock Options ....
MANAGEMENT COMMENTARY
Signals from filed documents
Leveraging our Authorised Dealer Category-I (AD-I) license and growing transaction banking capabilities, we expanded our reach across MSME and Commercial Banking segments, supporting customers throughout their cross-border transaction journey. During the year, we focused on deepening relationships with existing clients and acquired new clients by providing integrated trade and forex solutions, competitive pricing and
As mentioned earlier, our profit after tax for Q1 grew by 37% year-on-year to INR796 crores. Net interest income increased by 32% year -on-year on the back of strong growth in loan portfolio and 47 bps Y -o-Y improvement in margins. Sequentially, margins declined by 7 basis points to 5.9% due to reversal of certain seasonal benefits which aided margins in last quarter.
Through relationship-led engagement and effective distribution, Branch Banking plays a critical role in strengthening funding stability and now contributes nearly 60% of the Bank’s total deposits. The Bank has continued to strengthen its liability franchise by building a comprehensive and differentiated product suite tailored to the evolving needs of diverse customer segments. During the year, the Bank sharpened its
Operating practices were continuously evaluated to eliminate inefficiencies, drive standardisation, and embed a culture of disciplined spending across the organisation. These efforts translated into tangible operating leverage during the year. The Cost-to-Assets ratio (excluding CGFMU expenses) improved Y-o-Y, declining by 19 basis points to 4.1% in FY 2025-26 from 4.3% in FY 2024-25.
It will be defined by the strength of the institution, the depth of its leadership bench and the values that continue to guide it across generations. While the road ahead will not be without challenges, we remain confident in our ability to navigate them. Intense deposit competition, geopolitical uncertainties and evolving interest-rate and inflation cycles will continue to test the industry.
This announcement creates an opportunity for us to strengthen our NRI deposit franchise and attract incremental foreign currency deposits. Engagement programme with NRIs As part of our commitment to strengthening relationships with the global NRI community, we hosted a series of marquee engagement events across key international markets during the year. These included ‘AU Rendezvous’ in Singapore, where the Founder,
Gross Loan Portfolio ATS (in Lakh) Vintage (in Years) Active Loans (in Thousands) Amount (₹ in Crore) Mix in Total Book (%) 1 Business Banking ~138 9 ~20 17,641 13% 2 Renewables ~514 1* ~0.6 2,603 2% 3 EE&FI ~1,807 12 ~0.6 5,713 4% 4 REG ~2,655 13 ~0.6 5,011 4% Commercial Banking Total 22 30,968 22% Note: *In FY 2025-26, Bank carved out Renewables vertical from Agri Banking; ATS is on disbursement 02 states of Andhra
PSL remains integral to our core purpose of enabling financial inclusion and supporting underserved Earnings per share increased by 25% Y-o-Y to ₹35 per fully paid-up equity share whereas the book value of each fully paid-up equity share improved from ₹231 per share as on FY 2024-25 to ₹267 as on FY 2025-26, an increase of 16% Y-o-Y. communities, rather than being viewed solely as a regulatory obligation. We have con
The initiative strengthens brand visibility, deepens customer engagement and reinforces our positioning as a modern, customer- centric banking franchise. Government of India approval to increase FDI limit to 74% During FY 2025-26, we received approval from the Department of Financial Services, Ministry of Finance, Government of India, to increase our foreign investment limit from 49% to 74%, aligning us with the broa
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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