Au Small Finance Bank Ltd
AUBANK
Banks
₹ 706.65
Price
₹ 52,724
Market Cap
Large Cap
24.14
P/E Ratio
📊 Score Snapshot
8.07 / 25
Performance
16.75 / 25
Valuation
0.27 / 20
Growth
7.0 / 30
Profitability
32.1 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 40.38 | 27.49 | 74.68 | 100.07 | 68.94 | 4.95 | 10.57 | 40.78 |
| Adj Cash PAT | 3,006 | 1,840 | 4,979 | 6,303 | 4,305 | 301.26 | 618.34 | 2,330 |
| Adj Cash PAT To PAT | 1.43 | 1.20 | 3.49 | 5.58 | 3.68 | 0.45 | 1.62 | 8.00 |
| Adj Cash PE | 13.11 | 23.08 | 7.76 | 6.43 | 9.20 | 46.87 | 28.09 | 8.06 |
| Adj EPS | 28.25 | 22.92 | 21.41 | 17.93 | 18.74 | 11.08 | 6.52 | 5.10 |
| Adj Number Of Shares | 74.44 | 66.94 | 66.67 | 62.99 | 62.45 | 60.87 | 58.50 | 57.14 |
| Adj PE | 18.73 | 27.68 | 27.06 | 35.91 | 33.83 | 20.98 | 45.50 | 64.47 |
| Adj Peg | 0.81 | 3.92 | 1.39 | - | 0.49 | 0.30 | 1.63 | - |
| Bvps | 230.62 | 187.62 | 164.66 | 119.29 | 100.48 | 71.91 | 54.07 | 39.92 |
| Cash Revenue | 16,064 | 21,110 | 16,410 | 11,844 | 9,900 | 8,572 | 5,898 | 3,534 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.21 | 0.14 | 0.18 | 0.08 | - | - | 0.13 | 0.08 |
| Fcfe | 5,428 | 908.23 | 5,168 | 5,123 | 964.20 | 2,564 | 2,009 | 2,740 |
| Fcfe Margin | 33.79 | 4.30 | 31.49 | 43.26 | 9.74 | 29.91 | 34.07 | 77.54 |
| Fcfe To Adj PAT | 2.58 | 0.59 | 3.62 | 4.54 | 0.82 | 3.80 | 5.27 | 9.41 |
| Market Cap | 39,446 | 42,490 | 38,615 | 40,552 | 39,590 | 14,166 | 17,397 | 18,784 |
| PB | 2.30 | 3.38 | 3.52 | 5.40 | 6.31 | 3.24 | 5.50 | 8.23 |
| PE | 18.73 | 27.68 | 27.04 | 35.89 | 33.81 | 20.99 | 45.54 | 64.33 |
| Peg | 0.80 | 3.93 | 1.39 | - | 0.49 | 0.30 | 1.64 | - |
| PS | 2.46 | 2.01 | 2.35 | 3.42 | 4.00 | 1.65 | 2.95 | 5.32 |
| ROE | 14.15 | 13.04 | 15.44 | 16.38 | 21.97 | 17.88 | 14.01 | 13.65 |
| Share Price | 529.90 | 634.75 | 579.20 | 643.78 | 633.95 | 232.73 | 297.38 | 328.73 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,511 | 4,378 | 4,271 | 8,226 | 7,822 | 7,538 | 5,660 | 5,472 | 5,062 | 4,916 | 4,550 | 4,236 | 3,984 | 3,640 |
| Interest | 2,367 | 2,334 | 2,177 | 2,091 | 1,936 | 1,848 | 1,492 | 1,411 | 1,282 | 1,212 | 1,062 | 965.00 | 909.00 | 844.00 |
| Expenses - | 2,128 | 2,076 | 2,197 | 1,938 | 1,854 | 1,761 | 1,346 | 1,269 | 1,122 | 1,048 | 1,016 | 925.00 | 875.00 | 779.00 |
| Financing Profit | 16.00 | -32.00 | -104.00 | 85.00 | 121.00 | 160.00 | -9.00 | 56.00 | 127.00 | 198.00 | 197.00 | 228.00 | 208.00 | 197.00 |
| Financing Margin % | 0.35 | -0.73 | -2.44 | 1.03 | 1.55 | 2.12 | -0.16 | 1.02 | 2.51 | 4.03 | 4.33 | 5.38 | 5.22 | 5.41 |
| Other Income - | 713.00 | 811.00 | 761.00 | 618.00 | 638.00 | 509.00 | 541.00 | 442.00 | 406.00 | 315.00 | 333.00 | 295.00 | 247.00 | 159.00 |
| Exceptional Items | - | - | - | - | - | - | -77.00 | - | - | - | - | - | - | - |
| Profit Before Tax | 729.00 | 779.00 | 657.00 | 703.00 | 759.00 | 669.00 | 455.00 | 498.00 | 533.00 | 513.00 | 530.00 | 523.00 | 456.00 | 356.00 |
| Tax % | 23.05 | 25.42 | 23.29 | 24.89 | 24.77 | 24.81 | 18.46 | 24.70 | 24.58 | 24.56 | 19.81 | 24.86 | 24.78 | 24.72 |
| Net Profit - | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 371.00 | 375.00 | 402.00 | 387.00 | 425.00 | 393.00 | 343.00 | 268.00 |
| Exceptional Items At | - | - | - | - | - | - | -63.00 | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 433.00 | 375.00 | 402.00 | 387.00 | 425.00 | 393.00 | 343.00 | 268.00 |
| Profit For PE | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 433.00 | 375.00 | 402.00 | 387.00 | 425.00 | 393.00 | 343.00 | 268.00 |
| Profit For EPS | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 371.00 | 375.00 | 402.00 | 387.00 | 425.00 | 393.00 | 343.00 | 268.00 |
| EPS In Rs | 7.52 | 7.79 | 6.77 | 7.10 | 7.68 | 6.76 | 5.54 | 5.61 | 6.01 | 5.80 | 6.37 | 5.89 | 5.15 | 4.25 |
| PAT Margin % | 12.44 | 13.27 | 11.80 | 6.42 | 7.30 | 6.67 | 6.55 | 6.85 | 7.94 | 7.87 | 9.34 | 9.28 | 8.61 | 7.36 |
| PBT Margin | 16.16 | 17.79 | 15.38 | 8.55 | 9.70 | 8.88 | 8.04 | 9.10 | 10.53 | 10.44 | 11.65 | 12.35 | 11.45 | 9.78 |
| Tax | 168.00 | 198.00 | 153.00 | 175.00 | 188.00 | 166.00 | 84.00 | 123.00 | 131.00 | 126.00 | 105.00 | 130.00 | 113.00 | 88.00 |
| Yoy Profit Growth % | -2.00 | 16.00 | 16.00 | 41.00 | 42.00 | 30.00 | 2.00 | -4.00 | 17.00 | 44.00 | 23.00 | 30.00 | 23.00 | 32.00 |
| Adj PAT | 561.00 | 581.00 | 504.00 | 528.00 | 571.00 | 503.00 | 308.21 | 375.00 | 402.00 | 387.00 | 425.00 | 393.00 | 343.00 | 268.00 |
| Adj PAT Margin | 12.44 | 13.27 | 11.80 | 6.42 | 7.30 | 6.67 | 5.45 | 6.85 | 7.94 | 7.87 | 9.34 | 9.28 | 8.61 | 7.36 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 16,064 | 21,110 | 16,410 | 11,844 | 9,900 | 8,572 | 5,898 | 3,534 | 2,560 | 2,020 | 1,408 | 1,222 |
| Interest | 8,052 | 5,398 | 3,780 | 2,688 | 2,585 | 2,377 | 1,607 | 827.00 | 496.00 | 395.00 | 282.00 | 289.00 |
| Expenses - | 7,491 | 4,629 | 3,410 | 2,634 | 2,224 | 1,612 | 1,163 | 832.00 | 445.00 | 289.00 | 209.00 | 184.00 |
| Financing Profit | 520.00 | 528.00 | 1,016 | 601.00 | 142.00 | 296.00 | 180.00 | 109.00 | 339.00 | 326.00 | 212.00 | 137.00 |
| Financing Margin % | 3.24 | 2.50 | 6.19 | 5.07 | 1.43 | 3.45 | 3.05 | 3.08 | 13.24 | 16.14 | 15.06 | 11.21 |
| Other Income - | 2,530 | 1,699 | 1,035 | 994.00 | 1,422 | 707.00 | 463.00 | 389.00 | 810.00 | 5.00 | 2.00 | 8.00 |
| Exceptional Items | -4.00 | -1.00 | -1.00 | -1.00 | -1.00 | -1.00 | -1.00 | -1.00 | - | - | - | -4.00 |
| Depreciation | 259.00 | 225.00 | 185.00 | 140.00 | 104.00 | 89.00 | 62.00 | 53.00 | 6.00 | 9.00 | 7.00 | 3.00 |
| Profit Before Tax | 2,788 | 1,999 | 1,865 | 1,454 | 1,458 | 914.00 | 580.00 | 443.00 | 1,143 | 323.00 | 208.00 | 138.00 |
| Tax % | 24.46 | 23.21 | 23.43 | 22.28 | 19.68 | 26.15 | 34.14 | 34.09 | 28.08 | 34.37 | 32.69 | 33.33 |
| Net Profit - | 2,106 | 1,535 | 1,428 | 1,130 | 1,171 | 675.00 | 382.00 | 292.00 | 822.00 | 212.00 | 140.00 | 92.00 |
| Exceptional Items At | -3.00 | -1.00 | -1.00 | - | -1.00 | -1.00 | -1.00 | - | - | - | - | -2.00 |
| Profit Excl Exceptional | 2,109 | 1,536 | 1,428 | 1,130 | 1,171 | 676.00 | 383.00 | 292.00 | 822.00 | 212.00 | 140.00 | 95.00 |
| Profit For PE | 2,109 | 1,536 | 1,428 | 1,130 | 1,171 | 676.00 | 383.00 | 292.00 | 822.00 | 212.00 | 140.00 | 95.00 |
| Profit For EPS | 2,106 | 1,535 | 1,428 | 1,130 | 1,171 | 675.00 | 382.00 | 292.00 | 822.00 | 212.00 | 140.00 | 92.00 |
| EPS In Rs | 28.29 | 22.93 | 21.42 | 17.94 | 18.75 | 11.09 | 6.53 | 5.11 | - | - | - | - |
| Dividend Payout % | 4.00 | 4.00 | 5.00 | 3.00 | - | - | 6.00 | 5.00 | - | - | - | - |
| PAT Margin % | 13.11 | 7.27 | 8.70 | 9.54 | 11.83 | 7.87 | 6.48 | 8.26 | 32.11 | 10.50 | 9.94 | 7.53 |
| PBT Margin | 17.36 | 9.47 | 11.37 | 12.28 | 14.73 | 10.66 | 9.83 | 12.54 | 44.65 | 15.99 | 14.77 | 11.29 |
| Tax | 682.00 | 464.00 | 437.00 | 324.00 | 287.00 | 239.00 | 198.00 | 151.00 | 321.00 | 111.00 | 68.00 | 46.00 |
| Adj PAT | 2,103 | 1,534 | 1,427 | 1,129 | 1,170 | 674.26 | 381.34 | 291.34 | 822.00 | 212.00 | 140.00 | 89.33 |
| Adj PAT Margin | 13.09 | 7.27 | 8.70 | 9.53 | 11.82 | 7.87 | 6.47 | 8.24 | 32.11 | 10.50 | 9.94 | 7.31 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 1,123 | 803.00 | - | 633.00 | 452.00 | 319.00 | 221.00 | 137.00 | 81.00 |
| Average Total Assets | - | 133,636 | 99,821 | - | 79,647 | 60,334 | 46,867 | 37,383 | 25,728 | 14,307 |
| Average Total Equity | - | 14,863 | 11,768 | - | 9,246 | 6,894 | 5,326 | 3,770 | 2,722 | 2,134 |
| Borrowing | 10,319 | 11,660 | 5,479 | - | 6,299 | 5,991 | 7,030 | 10,335 | 8,613 | 7,639 |
| Cwip | - | 87.00 | 67.00 | - | 33.00 | 14.00 | 5.00 | 10.00 | 7.00 | 6.00 |
| Cash Equivalents | 5,551 | 8,140 | 4,102 | - | 8,389 | 5,300 | 1,151 | 724.00 | 695.00 | 400.00 |
| Deposits | 132,509 | 124,269 | 87,182 | - | 69,365 | 52,585 | 35,979 | 26,164 | 19,422 | 7,923 |
| Fixed Assets | 1,322 | 825.00 | 784.00 | - | 707.00 | 609.00 | 477.00 | 438.00 | 440.00 | 380.00 |
| Gross Block | - | 1,948 | 1,587 | - | 1,340 | 1,061 | 797.00 | 659.00 | 577.00 | 461.00 |
| Investments | 38,382 | 37,848 | 27,133 | - | 20,072 | 15,306 | 10,815 | 10,668 | 7,162 | 3,051 |
| Loans N Advances | 115,705 | - | - | - | - | - | - | 10.00 | 10.00 | 13.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 10,335 | 8,613 | 7,639 |
| Net Debt | -43,933 | -45,988 | 61,426 | - | 47,203 | 37,969 | 31,043 | 25,107 | 20,179 | 12,111 |
| Other Asset Items | 4,582 | 110,946 | 77,339 | - | 61,015 | 47,849 | 39,142 | 30,293 | 24,309 | 14,983 |
| Other Borrowings | - | - | 92,661 | - | 75,664 | 58,575 | 43,009 | 26,164 | 19,422 | 7,923 |
| Other Liability Items | 4,568 | 4,540 | 4,008 | - | 3,382 | 2,800 | 2,210 | 1,238 | 1,386 | 935.00 |
| Reserves | 17,399 | 16,422 | 11,890 | - | 10,311 | 7,199 | 5,963 | 4,073 | 2,871 | 1,995 |
| Share Capital | 746.00 | 745.00 | 669.00 | 668.00 | 667.00 | 315.00 | 312.00 | 304.00 | 292.00 | 286.00 |
| Total Assets | 165,542 | 157,846 | 109,426 | - | 90,216 | 69,078 | 51,591 | 42,143 | 32,623 | 18,833 |
| Total Borrowings | - | - | 92,661 | - | 75,664 | 58,575 | 43,009 | 36,499 | 28,036 | 15,562 |
| Total Equity | 18,145 | 17,167 | 12,559 | 668.00 | 10,978 | 7,514 | 6,275 | 4,377 | 3,163 | 2,281 |
| Total Equity And Liabilities | 165,542 | 157,846 | 109,426 | - | 90,216 | 69,078 | 51,591 | 42,143 | 32,623 | 18,833 |
| Total Liabilities | 147,397 | 140,679 | 96,867 | -668.00 | 79,238 | 61,564 | 45,316 | 37,766 | 29,460 | 16,552 |
| Trade Payables | - | 211.00 | 197.00 | - | 193.00 | 188.00 | 97.00 | 29.00 | 38.00 | 55.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 2,407 | -802.00 | 2,323 | -948.00 | -2,655 | 2,237 | 1,436 | 521.00 |
| Cash From Investing Activity | -4,780 | -4,855 | -4,320 | -4,753 | -990.00 | -1,267 | -2,305 | -1,890 |
| Cash From Operating Activity | 5,462 | 2,608 | 5,494 | 6,849 | 5,056 | 660.00 | 848.00 | 2,505 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -22,300 | -14,841 | -12,369 | -11,433 | -8,123 | -4,239 | -9,582 | -6,818 |
| Cash Paid For Purchase Of Fixed Assets | -264.00 | -346.00 | -306.00 | -282.00 | -141.00 | -92.00 | -126.00 | -165.00 |
| Cash Paid For Purchase Of Investments | -5,674 | -4,516 | -4,016 | -4,472 | -850.00 | -1,177 | -2,180 | -1,725 |
| Cash Paid For Redemption And Cancellation Of Shares | - | - | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | - | - | - | - | - | -4.00 | -3.00 | -1.00 |
| Cash Paid For Repayment Of Borrowings | - | -819.00 | - | -1,039 | -3,306 | - | - | - |
| Cash Receipts From Deposits | 124,269 | 87,182 | 69,365 | 52,585 | 35,979 | 26,164 | 19,422 | 7,923 |
| Cash Received From Borrowings | 2,420 | - | 308.00 | - | - | 1,722 | 974.00 | 519.00 |
| Cash Received From Issue Of Debentures | - | - | - | - | - | 546.00 | 482.00 | 3.00 |
| Cash Received From Issue Of Shares | 61.00 | 84.00 | 2,069 | 90.00 | 658.00 | - | - | - |
| Cash Received From Sale Of Fixed Assets | 7.00 | 8.00 | 2.00 | 1.00 | 2.00 | 2.00 | 2.00 | 1.00 |
| Cash Received From Sale Of Investments | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -3,362 | -2,669 | -859.00 | 2.00 | 1,443 | -2,875 | -1,681 | 933.00 |
| Change In Working Capital | 903.00 | 306.00 | 3,552 | 5,174 | 3,135 | -373.00 | 237.00 | 2,039 |
| Direct Taxes Paid | -668.00 | -488.00 | -370.00 | -385.00 | -314.00 | -269.00 | -193.00 | -154.00 |
| Dividends Paid | -74.00 | -67.00 | -32.00 | - | - | -26.00 | -17.00 | - |
| Net Cash Flow | 3,090 | -3,049 | 3,497 | 1,147 | 1,412 | 1,629 | -21.00 | 1,136 |
| Operating Deposits | 26,565 | 17,817 | 16,780 | 16,605 | 9,815 | 6,741 | 11,499 | 7,923 |
| Other Cash Financing Items Paid | - | - | -23.00 | - | -7.00 | - | - | - |
| Other Cash Investing Items Paid | 1,152 | - | - | - | - | - | - | - |
| Profit From Operations | 5,227 | 2,790 | 2,312 | 2,060 | 2,236 | 1,301 | 804.00 | 620.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Aubank | 2025-06-30 | - | 37.68 | 28.86 | 10.59 | 0.00 |
| Aubank | 2025-03-31 | - | 35.58 | 27.16 | 14.39 | 0.00 |
| Aubank | 2024-12-31 | - | 39.34 | 21.78 | 15.99 | 0.00 |
| Aubank | 2024-09-30 | - | 40.71 | 20.13 | 16.23 | 0.00 |
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