Operates as a small finance bank taking deposits and making loans across retail, wholesale, treasury, and digital segments. In the period ending 2024-12-31, Retail banking - Other Retail Banking was the largest segment at 76.2% of segment revenue, followed by Treasury at 13.3%, Wholesale banking at 8.7%, and Other banking operations at 1.8%. In Q1 FY27, the deposit base stood at INR 1.58 lakh crore (up 24% YoY), the loan book at INR 1.44 lakh crore (up 23% YoY), and secured assets grew 25% YoY. Disbursements were up 42% YoY, and CASA ratio was 29% with stable deposits at 79% of total deposits. The gold loan book scaled to INR 4,500 crore (+130% YoY) across 1,300+ branches, while commercial banking reached INR 32,800 crore (+34% YoY). Asset quality improved with GNPA at 2.10%, slippages down 22% YoY to INR 798 crore, and credit cost at 0.8%; PAT was INR 796 crore (+37% YoY) with NIM at 5.9%. The bank added 16 branches in Q1 FY27 and plans 100+ branches for FY27, with technology spend of approximately INR 1,000 crore (12-13% of opex), and has applied for a Universal Bank licence. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail banking - Other Retail Banking (76%), Treasury (13%), Wholesale banking (9%), Other banking operations (2%), Retail banking - Digital Banking (0%). Diversified small finance bank expanding across retail, wholesale, treasury, and digital banking, with pan-India branch build-out
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 |
| EPS, as reported (₹) | 36.06 | 21.86 | 22.98 | 28.32 | 35.40 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 |
| Net profit | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 |
| EPS (₹) | 7.68 | 7.10 | 6.77 | 7.80 | 7.52 | 8.94 | 11.13 | 10.63 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| AU SMALL FINANCE BANK LTD ◆ | 79,309 | 27.7 | — | — | — | — | — | — |
| UJJIVAN SMALL FINANC BANK | 12,819 | 14.1 | — | — | — | — | — | — |
| EQUITAS SMALL FIN BNK LTD | 8,426 | 16.5 | — | — | — | — | — | — |
| JANA SMALL FIN BANK LTD | 5,462 | 14.4 | — | — | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 9 Sept 2026 · RBI clears ICICI Pru AMC to acquire up to 9.95% in AU SFB | ownership changes | high | — | — |
| 9 Sept 2026 · RBI approves I-Pru AMC stake of up to 9.95% in AU Small Finance Bank | ownership changes | high | — | — |
| 8 Sept 2026 · AU SFB allots 4.11 lakh equity shares under ESOP schemes | capital market events | low | — | — |
| 7 Sept 2026 · AU Small Finance Bank lists schedule of investor conferences | board shareholder meetings | low | — | — |
| 7 Sept 2026 · AU Small Finance Bank AGM: all 8 resolutions passed, Rs.1 dividend cleared | compliance | low | — | — |
| 7 Sept 2026 · AU SFB 31st AGM: All 8 Resolutions Passed; Rs.1 Dividend Approved | board shareholder meetings | low | — | — |
| 5 Sept 2026 · AU Small Finance Bank holds 31st AGM; key resolutions include dividend and fund raising | board shareholder meetings | low | — | — |
| 25 Aug 2026 · Schedule of analyst/investor meet at Goldman Sachs Asia Leaders Conference 2026 | board shareholder meetings | low | — | — |
| 25 Aug 2026 · AU Small Finance Bank allots 6.47 lakh shares under ESOPs | capital market events | low | — | — |
| 25 Aug 2026 · AU Small Finance Bank allots 6.47 lakh shares under ESOP schemes | capital market events | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| UTKARSH SMALL FIN BANK L |
| 2,584 |
| — |
| — |
| — |
| — |
| — |
| — |
| — |
| ESAF SMALL FINANCE BANK L | 2,042 | 19.7 | — | — | — | — | — | — |
| SURYODAY SMALL FIN BK LTD | 1,565 | 8.2 | — | — | — | — | — | — |
| CAPITAL SMALL FIN BANK L | 1,233 | 6.7 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 27.7 | 15.4 | 7 of 8 | 14% |
| Profit growth | 37.0 | 85.8 | 7 of 9 | 25% |
| Market cap | 79309 | 2584 | 1 of 9 | 100% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
