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Last update at 2026-03-11T09:46:00Z
Source: TradingView
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| 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 |
| Minority interest | - | - | - | - | - |
| 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 |
| Non operating income net other | - | - | - | - | - |
| Operating income | 27880.57M | 19994.32M | 16792.28M | 13139.08M | 13541.36M |
| Other operating expenses | 158055.92M | 102538.19M | -34402.69900M | -24127.74500M | -16584.25200M |
| 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 |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| 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 | -28094.54900M | -13.95700M | 18646.45M | 14540.74M | 14585.05M |
| Discontinued operations | - | - | - | - | - |
| 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 |
| Preferred stock and other adjustments | - | - | - | - | - |
| 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 | -15954.48100M | 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 |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 1242685.44M | 278682.58M | -3667.75400M | -2505.48300M | -3338.80400M |
| 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 |
| Good will | - | - | - | - | - |
| Other assets | 1467792.93M | -42014.80900M | 884400.11M | 678265.18M | 474786.72M |
| Cash | 94663.62M | 63763.34M | 94251.72M | 59765.02M | 48179.90M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 1250120.22M | 304970.49M | 3667.75M | 2505.48M | 3338.80M |
| Current deferred revenue | - | -4956.04900M | - | - | - |
| Net debt | 21935.41M | -8969.62200M | -31265.20200M | 142.77M | 22117.06M |
| Short term debt | 61418.53M | 21331.87M | - | - | - |
| Short long term debt | - | - | - | - | - |
| 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 | - | - | -83892.04500M | -53477.90600M | -11877.24900M |
| 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 | - | -73399.63300M | - | - | - |
| Accounts payable | 7434.78M | 4956.05M | 3667.75M | 2505.48M | 3338.80M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 39725.60M | 28187.01M | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 403935.10M | 512976.44M | -200720.09900M | -153065.04300M | -108154.13900M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 1483793.04M | 1071514.92M | 7401.39M | 6225.71M | 4823.69M |
| Capital lease obligations | - | - | - | - | - |
| 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 | -59314.70600M | -48547.61500M | -43195.02300M | -44723.59700M | -8500.75600M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -59314.70600M | -48547.61500M | -43195.02300M | -47533.65700M | -9897.44900M |
| Net borrowings | 24202.57M | -8192.80000M | - | -10389.17100M | -33056.27900M |
| Total cash from financing activities | 289719.77M | 170149.84M | 23225.20M | -9484.36700M | -26546.99300M |
| Change to operating activities | - | - | - | -114310.85600M | -66806.67500M |
| Net income | 27880.54M | 19994.29M | 18646.37M | 14540.70M | 14585.08M |
| Change in cash | 30900.28M | -30488.38000M | 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 | -211023.14600M | -152090.60200M | 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 | -56671.09200M | 81.25M | -40135.66800M | -44708.76500M | -8485.18600M |
| Dividends paid | 743.16M | 667.01M | -315.09300M | 315.09M | 0.00000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| 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 | -10389.17100M | -33126.77800M |
| Change to netincome | - | - | - | 4047.60M | 6463.30M |
| Capital expenditures | 2643.61M | 3464.17M | 3059.36M | 2824.89M | 1412.26M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 9030.80M | -444.94100M | 35516.55M | 51742.21M | 31347.18M |
| Stock based compensation | 577.92M | 303.35M | 207.58M | 184.83M | 767.91M |
| Other non cash items | -251097.55100M | -174197.74100M | 916.92M | 766.31M | 356.45M |
| Free cash flow | -213666.76000M | 19110.29M | 51877.04M | 65664.93M | 49148.75M |
Sector: Financial Services Industry: Banks - Regional
| Company | 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 |
-21.0 2.24% | 917.50 | 34.06 | 26.81 | 8.17 | 4.09 | 7.60 |
| HDFCBANK HDFC Bank Limited |
-14.5 1.71% | 834.95 | 21.14 | 16.26 | 5.13 | 1.85 | 8.93 |
| ICICIBANK ICICI Bank Limited |
-16.7 1.27% | 1295.20 | 19.41 | 17.45 | 5.38 | 3.01 | 5.74 |
| SBIN State Bank of India |
-22.4 2.01% | 1089.80 | 11.19 | 11.30 | 2.60 | 1.65 | 4.35 |
| KOTAKBANK Kotak Mahindra Bank Limited |
-6.15 1.57% | 385.70 | 22.74 | 22.32 | 5.81 | 2.54 | 6.79 |
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
| 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 |
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