āagman

AU Small Finance Bank Ltd

NSE: AUBANKF&O
₹954.00
−₹17.70 (−1.82%)
NSE · 21 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹74,340 Cr
CMP
₹954.00
52-wk High / Low
₹1,144 / 832
P/E
26.0
P/B
3.7
Book Value
₹267.0
Div Yield
0.10%
ROCE
7.7%
ROE
14.0%
Face Value
₹10
D/E
8.34

Price+18.9% over 1Y

āagman read

Computed by āagman
Derived from 13 years and 13 quarters of filings. Not reported by the company.
As of 21 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹479
√(22.5 × EPS × book value per share)
Cash flow to profit
0.69
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.6%
ROE × earnings retention ratio
ROE stability
1.0
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −0.08FII +0.08DII +0.03
Latest quarter vs the previous one
Cash-accrual divergence
0.5%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 1.6pp over the last year
Watch-outs
−Latest ROCE of 7.7% trails the sector median of 9.1%
−Borrowings are up 190.0% since FY2016 (4783 to 13872)
−Price trades below its 200-day moving average (0.9x)
−Promoter holding fell by 0.2pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales2,4582,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,303
Expenses1,0481,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,2312,321
Operating Profit—————————————
OPM %—————————————
Other Income315406442464509638618761811713724731689
Interest1,2121,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,607
Depreciation0000000000000
Profit before tax5135334984556697597036577797298841,0821,064
Net Profit387402375371503571528504581561668832796
EPS (₹)5.806.015.615.546.767.687.106.777.797.528.9411.1210.63

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 13 years + TTM
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales6677041,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,63619,561
Expenses2012092894458321,1631,6122,2242,6343,4104,6297,4918,3458,861
Operating Profit——————————————
OPM %——————————————
Other Income4258103884627061,4219941,0341,6972,5262,9782,857
Interest3172823954968271,6072,3772,5852,6883,7805,3988,0529,5249,797
Depreciation47965362891041401852252592720
Profit before tax1492083231,1434435809141,4581,4541,8651,9992,7883,4743,759
Net Profit1011402128222923826751,1711,1301,4281,5352,1062,6412,856
EPS (₹)11.652.654.0014.465.116.5311.0918.7517.9421.4222.9328.2935.3038.21

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital434444284286292304312315667669745748—
Reserves6067679651,7031,9952,8714,0735,9637,19910,31111,89016,42219,225—
Other Liabilities2493465026749891,4241,2672,3072,9883,5754,2054,7515,291—
Total Liabilities3,3774,0356,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797—
Fixed Assets23192436380440438477609707784825881—
CWIP0002406710514336787555—
Investments651402322,1503,0517,16210,66810,81515,30620,07227,13337,84844,794—
Other Assets3,2893,8776,0387,35515,39625,01431,02740,29453,14969,40481,4411,19,0861,45,567—
Total Assets3,3774,0356,2949,78118,83332,62342,14351,59169,07890,2161,09,4261,57,8461,91,797—
Borrowing2,4782,8784,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,872—
Deposits———07,92319,42226,16435,97952,58569,36587,1821,24,2691,52,661—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−665−747−1,938−2,4052,5058486605,0566,8495,4942,6085,4621,829
Cash from Investing Activity593−23−33552−1,890−2,305−1,267−990−4,753−4,320−4,855−4,780−5,090
Cash from Financing Activity−1487821,9642,4485211,4362,237−2,655−9482,323−8022,4072,318
Net Cash Flow−22012−75961,136−211,6291,4121,1473,497−3,0493,090−943

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————7.7
ROE %16.019.023.055.014.014.018.022.016.015.013.014.014.0
EPS (₹)11.652.654.0014.465.116.5311.0918.7517.9421.4222.9328.2938.21
Book Value (₹)————————————267.0
Face Value (₹)————————————10
P/E————————————26.0
Div Yield %————————————0.10
NPM %15.119.820.939.313.511.213.518.416.315.512.511.312.2
OPM %—————————————
D/E3.823.554.743.586.828.868.346.857.806.897.387.928.34
P/B————————————3.7

Growth

As of 18 Oct 2026
Compounded sales growth
10 years+34.0%
5 years+30.0%
3 years+31.0%
TTM+17.0%
Compounded profit growth
10 years+29.0%
5 years+18.0%
3 years+23.0%
TTM+31.0%
Stock price CAGR
5 years+11.0%
3 years+12.0%
Last year+25.0%
Return on equity
10 years16.0%
5 years14.0%
3 years14.0%
Last year14.0%

Shareholding pattern

As of 30 Sep 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters32.70%32.70%25.47%25.45%22.92%22.91%22.89%22.87%22.85%22.82%22.79%22.76%22.74%22.66%
FIIs7.40%7.40%41.13%39.37%39.58%40.71%39.34%35.58%37.68%34.50%36.45%37.27%35.98%36.06%
DIIs11.78%11.78%20.81%22.77%18.44%20.13%21.78%27.16%28.86%31.91%31.27%31.30%32.81%32.84%
Government——————————————
Public48.11%48.11%12.63%12.40%19.06%16.23%15.99%14.39%10.59%10.78%9.51%8.67%8.47%8.45%
No. of shareholders95,29195,2911,55,6602,30,1721,95,7621,74,1011,89,4951,92,9871,90,1191,91,5081,81,6351,67,4431,62,8941,63,131
Change since Jun 2023 (pp)
Promoters −10.04FIIs +28.66DIIs +21.06Public −39.66

Documents

As of 18 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBoard Meeting Intimation for Considering And Approving The Unaudited Financial Results (Subject To Limited Review By The Joint Statutory Auditors) Of The Bank For The Quarter And Half Year Ended On September 30, 2026.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Intimation Under SEBI (LODR) Regulation, 2015
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Sep 2026PPTSep 2026PPTJul 2026TranscriptJul 2026PPTJul 2026RecordingApr 2026TranscriptApr 2026PPTApr 2026RecordingJan 2026TranscriptJan 2026PPTJan 2026Recording

Corporate actions

As of 31 Jul 2026
31 Jul 2026DIVIDENDDividend - Re 1 Per Share—
4 Jul 2025DIVIDENDDividend - Re 1 Per Share—
12 Jul 2024DIVIDENDDividend - Re 1 Per Share—
14 Jul 2023DIVIDENDDividend - Re 1 Per Share—
28 Jul 2022DIVIDENDDividend - Rs 0.50 Per Share—
9 Jun 2022BONUSBonus 1:1—
18 Jul 2019DIVIDEND Annual General Meeting/Dividend - Rs 0.75 Per Share—
30 Jul 2018DIVIDEND Annual General Meeting/Dividend- Re 0.50 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges.© 2026 āagman