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Financials Ratios
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AU Small Finance Bank Ltd.
BSE CODE: 540611   |   NSE CODE: AUBANK   |   ISIN CODE : INE949L01017   |   14-Aug-2025 Hrs IST
BSE NSE
Rs. 751.55
13.65 ( 1.85% )
 
Prev Close ( Rs.)
737.90
Open ( Rs.)
746.20
 
High ( Rs.)
752.35
Low ( Rs.)
741.05
 
Volume
141900
Week Avg.Volume
190224
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 750.60
12.6 ( 1.71% )
 
Prev Close ( Rs.)
738.00
Open ( Rs.)
744.00
 
High ( Rs.)
752.55
Low ( Rs.)
740.55
 
Volume
2621099
Week Avg.Volume
3915829
 
52 WK High-Low Range(Rs.)
478.35
841
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)28.29  22.93  21.42  35.88  37.50  
   DPS(Rs)1.00  1.00  1.00  1.00  0.00  
   Book NAV/Share(Rs)228.90  186.75  163.98  237.30  197.69  
Margin Ratios          
   Yield on Advances15.00  14.43  14.05  12.85  14.30  
   Yield on Investments6.52  6.15  5.71  6.03  15.05  
   Cost of Liabilities5.92  5.83  5.00  4.59  6.01  
   NIM5.19  4.83  5.03  4.80  4.71  
   Interest Spread9.08  8.60  9.05  8.26  8.29  
Performance Ratios          
   ROA(%)1.58  1.54  1.79  1.87  2.50  
   ROE(%)14.26  13.10  15.52  16.56  22.31  
   ROCE(%)15.45  13.96  14.98  14.01  15.60  
Efficiency Ratios          
   Cost Income Ratio56.53  65.14  63.01  57.07  43.80  
   Core Cost Income Ratio57.82  65.63  62.50  59.07  56.56  
   Operating Costs to Assets3.77  4.08  3.81  3.49  3.21  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)18.88  24.66  27.03  17.36  16.35  
   PCE(x)16.82  21.50  23.92  30.89  30.03  
   Price/Book(x)2.33  3.03  3.53  5.25  6.20  
   Yield(%)0.19  0.18  0.17  0.08  0.00  
   EV/Net Sales(x)3.20  4.10  5.47  7.64  9.15  
   EV/Core EBITDA(x)11.23  18.13  22.23  24.92  21.30  
   EV/EBIT(x)4.74  5.86  7.95  10.92  11.21  
   EV/CE(x)1.78  2.40  2.60  3.35  3.41  
   M Cap / Sales2.48  3.59  4.70  6.63  7.73  
Growth Ratio          
   Core Operating Income Growth55.35  16.54  36.83  36.72  23.91  
   Operating Profit Growth-54.91  -77.41  -55.28  -9.54  23.03  
   Net Profit Growth37.22  7.48  26.38  -3.49  73.49  
   BVPS Growth22.57  13.89  -30.90  20.04  39.02  
   Advances Growth46.38  25.23  26.74  33.19  28.22  
   EPS Growth(%)23.33  7.09  -40.31  -4.31  68.99  
Liquidity Ratios          
   Loans/Deposits(x)0.09  0.06  0.09  0.11  0.20  
   Cash / Deposits(x)0.07  0.05  0.13  0.11  0.04  
   Investment / Deposits(x)0.30  0.31  0.29  0.29  0.30  
   IncLoan / Deposits(x)9.38  6.28  9.08  11.39  19.54  
   Credit/Deposits(%)86.18  83.92  84.22  87.66  96.19  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.74  0.55  0.42  0.50  2.20