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Swing Capital

AU Small Finance Bank Ltd

NSE: AUBANK BSE: 540611Banking

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]

₹980
52W: ₹681 — ₹1080
PE 27.8 · Book ₹264 · +271% vs book
Market Cap₹73,377 Cr
Stock P/E27.8Price to Earnings
ROCE7.66%Return on Capital
ROE14.3%Return on Equity
Div. Yield0.1%Face Value ₹10

Strengths

  • +Company's median sales growth is 33.4% of last 10 years

Weaknesses

  • −Stock is trading at 3.71 times its book value
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 13.9% over last 3 years.

Shareholding Pattern

Promoters22.76%
FIIs37.27%
DIIs31.3%
Public8.67%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters22.92%22.91%▼0.022.89%▼0.022.87%▼0.022.85%▼0.022.82%▼0.022.79%▼0.022.76%▼0.0
FIIs39.58%40.71%▲1.139.34%▼1.435.58%▼3.837.68%▲2.134.5%▼3.236.45%▲2.037.27%▲0.8
DIIs18.44%20.13%▲1.721.78%▲1.727.16%▲5.428.86%▲1.731.91%▲3.131.27%▼0.631.3%▲0.0
Public19.06%16.23%▼2.815.99%▼0.214.39%▼1.610.59%▼3.810.78%▲0.29.51%▼1.38.67%▼0.8

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses1,2691,3461,7611,8541,9382,1972,0762,1282,1812,231
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit375371503571528504581561668832
EPS ₹5.615.546.767.687.16.777.797.528.9411.12

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 31.3% (+12.05pp change). FIIs: 37.27% (-4.34pp change). Promoters hold 22.76%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 27.8x with 7.66% ROCE. Price is 271% above book value of ₹264. Dividend yield: 0.1%.

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