Financials AU Small Finance Bank Limited

Equities

AUBANK

INE949L01017

Banks

Market Closed - NSE India S.E. Other stock markets 04:35:02 13/03/2026 pm IST			5-day change	1st Jan Change
884.35 ^INR	-1.98%		-8.29%	-11.08%

10/03	INDIA BONDS-India's 10-year yield falls most in five weeks as oil tumbles	RE
23/02	Indian state chief minister says IDFC First Bank delayed acting on suspected fraud	RE

Projected Income Statement: AU Small Finance Bank Limited

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	38,170	42,278	54,597	69,031	1,05,379	1,21,347	1,49,282	1,82,580
Change	-	10.76%	29.14%	26.44%	52.66%	15.15%	23.02%	22.31%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	21,586	18,150	20,195	25,150	45,807	51,491	65,144	82,021
Change	-	-15.91%	11.26%	24.54%	82.14%	12.41%	26.51%	25.91%
Interest Paid ¹	-	-	-	-	-	-1,03,000	-1,19,000	-1,38,000
Earnings before Tax (EBT) ¹	14,585	14,541	18,646	19,994	27,881	34,245	47,168	60,073
Change	-	-0.3%	28.24%	7.23%	39.44%	22.83%	37.74%	27.36%
Net income ¹	11,707	11,298	14,279	15,347	21,059	25,766	35,514	44,918
Change	-	-3.49%	26.38%	7.48%	37.22%	22.35%	37.83%	26.48%
Announcement Date	29/04/21	26/04/22	25/04/23	24/04/24	22/04/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	8,463	12,965	9,325	9,082	9,440	10,961	12,479	11,352	13,307	14,476	15,463	15,613	16,744	17,746	18,926	24,662	26,123	26,411	28,546	28,553	28,570	30,054	33,488
Change	-	53.19%	-28.08%	-2.6%	3.94%	16.11%	13.86%	-9.04%	17.23%	8.79%	6.81%	0.97%	7.24%	5.98%	6.65%	30.31%	5.92%	1.1%	8.08%	0.02%	0.06%	5.2%	11.42%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	4,663	8,728	3,738	4,513	3,914	4,584	4,823	3,941	4,988	5,557	5,709	5,460	6,477	6,571	6,642	9,881	11,318	12,049	12,923	13,122	12,100	12,964	14,127
Change	-	87.18%	-57.17%	20.72%	-13.25%	17.11%	5.21%	-18.3%	26.57%	11.41%	2.74%	-4.36%	18.62%	1.45%	1.08%	48.78%	14.54%	6.46%	7.25%	1.54%	-7.79%	7.14%	8.97%
Charge d'intérêts	-6,518	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	4,089	5,892	1,960	2,747	3,878	4,025	3,891	3,557	4,558	5,231	5,300	5,131	5,334	4,981	4,548	6,689	7,588	7,032	6,571	7,789	7,290	8,581	10,900
Change	-	44.1%	-66.73%	40.11%	41.21%	3.77%	-3.32%	-8.59%	28.15%	14.75%	1.33%	-3.2%	3.96%	-6.61%	-8.69%	47.06%	13.44%	-7.32%	-6.55%	18.53%	-6.41%	17.71%	27.02%
Net income ¹	3,219	4,790	1,690	2,032	2,785	3,020	3,461	2,679	3,426	3,928	4,246	3,869	4,018	3,752	3,707	5,026	5,712	5,284	5,037	5,809	5,610	6,536	7,479
Change	-	48.82%	-64.72%	20.25%	37.07%	8.45%	14.58%	-22.6%	27.9%	14.66%	8.1%	-8.89%	3.86%	-6.62%	-1.2%	35.56%	13.66%	-7.49%	-4.68%	15.32%	-3.42%	16.5%	14.44%
Announcement Date	28/10/20	28/01/21	29/04/21	06/08/21	28/10/21	28/01/22	26/04/22	20/07/22	19/10/22	19/01/23	25/04/23	22/07/23	28/10/23	25/01/24	24/04/24	25/07/24	23/10/24	24/01/25	22/04/25	19/07/25	17/10/25	-	-

¹INR in Million

Estimates

Forecast Balance Sheet: AU Small Finance Bank Limited

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt ¹	-	-	-	-	-	73,041	87,917	1,06,123
Change	-	-	-	-	-	-	20.37%	20.71%
Announcement Date	29/04/21	26/04/22	25/04/23	24/04/24	22/04/25	-	-	-

¹INR in Million

Estimates

Cash Flow Forecast: AU Small Finance Bank Limited

Fiscal Period: March	2020	2021	2022	2023	2024	2025
CAPEX ¹	922	1,412	2,825	3,059	3,464	2,644
Change	-	53.18%	100.03%	8.3%	13.23%	-23.69%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	26/06/20	23/07/21	31/07/22	18/07/23	04/07/24	16/07/25

¹INR in Million

Estimates

Forecast Financial Ratios: AU Small Finance Bank Limited

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	56.55%	42.93%	36.99%	36.43%	43.47%	42.43%	43.64%	44.92%
EBT Margin (%)	38.21%	34.39%	34.15%	28.96%	26.46%	28.22%	31.6%	32.9%
Net margin (%)	30.67%	26.72%	26.15%	22.23%	19.98%	21.23%	23.79%	24.6%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	2.5%	1.87%	1.79%	1.54%	1.53%	1.5%	1.7%	1.78%
ROE	23.4%	16.4%	15.44%	13.04%	14.28%	14.01%	16.47%	17.57%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.5	1	1	1	1.478	1.847	2.335
Change	-	-	100%	0%	0%	47.81%	24.97%	26.42%
Book Value Per Share ¹	100.5	118.7	164.6	187.7	227.4	263.1	311.1	369.2
Change	-	18.07%	38.76%	14%	21.15%	15.7%	18.25%	18.68%
EPS ¹	18.93	17.84	21.74	22.86	28.24	34.54	47.47	59.99
Change	-	-5.73%	21.83%	5.15%	23.53%	22.3%	37.43%	26.37%
Nbr of stocks (in thousands)	6,24,427	6,29,800	6,66,745	6,69,162	7,44,531	7,48,091	7,48,091	7,48,091
Announcement Date	29/04/21	26/04/22	25/04/23	24/04/24	22/04/25	-	-	-