Flash Finance

AU Small Finance Bank LimitedAUBANKBank / NBFC

Financial Services Banks - Regional Latest results: Jun 2026 15 quarters of data
₹953.90
MCap ₹71,487 Cr · P/E 25.0
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹5,303 Cr
Interest Earned · Jun 2026
+21.1% YoY
₹1,435 Cr
Operating Profit · Jun 2026
+9.4% YoY
₹796 Cr
Net Profit · Jun 2026
+37.0% YoY
₹10.63
EPS · Jun 2026
+36.3% YoY
2.10%
Gross NPA % · Jun 2026
0.76%
Net NPA % · Jun 2026

📝 AU Small Finance Bank Limited — results explained

Quarter ended June 2026 (Q1 FY27)

AU Small Finance Bank Limited reported total income of ₹5,992 crore for the quarter ended June 2026 (Q1 FY27), up 15.5% from ₹5,189 crore in the same quarter last year, and up 4.2% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹5,303 crore and other income ₹689 crore. Net interest income (interest earned minus interest expended of ₹2,607 crore) worked out to ₹2,695 crore.

Net profit rose 37.0% year-on-year to ₹796 crore, from ₹581 crore. Earnings per share (EPS) came in at ₹10.63.

On asset quality, gross NPA stood at 2.10% and net NPA at 0.76% (gross NPA was 2.47% a year ago); the capital adequacy ratio was 18.93%.

Full year and trailing twelve months

For the full year FY26, AU Small Finance Bank Limited posted total income of ₹21,614 crore, a growth of 16.0% over FY25, with a net profit of ₹2,641 crore (up 25.4% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹22,417 crore with a net profit of ₹2,856 crore.

Valuation snapshot

At the current price of ₹953.90, AUBANK has a market capitalisation of ₹71,487 crore and a trailing P/E of about 25.0.

Within the Banks - Regional industry, it is the 15th-largest of the 27 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 22.67%, foreign institutional investors (FIIs) 36.06%, domestic institutional investors (DIIs) 32.83%, public shareholders 8.44% of AU Small Finance Bank Limited.

Promoter holding slipped from 22.74% to 22.67% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹71,487 Cr
Current Price ?
₹953.9
P/E ?
25.03above ind
Industry P/E ?
10.30
P/B ?
3.62
P/S ?
3.19
P/FCF ?
69.61
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
1.09
Earnings Yield ?
4.0%
Dividend Yield ?
0.11%
Profitability & Returns
Total Income (TTM) ?
₹22,417 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹2,856 Cr
EPS (TTM) ?
₹38.12
ROCE ?
N/A
ROE ?
14.5%
ROA ?
1.5%
Gross NPA % ?
2.10%
Net NPA % ?
0.76%
Growth
Total Income — latest qtr ?
₹5,992 Cr
PAT — latest qtr ?
₹796 Cr
YoY qtr sales growth ?
15.5%
YoY qtr profit growth ?
37.0%
Sales growth (3y) ?
31%
Sales growth (5y) ?
30%
Profit growth (3y) ?
23%
Profit growth (5y) ?
18%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
22.67%
Change in promoter holding ?
-0.18%
Pledged percentage ?
N/A
Market
Return 3 months ?
-5.0%
Return 6 months ?
-10.5%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 2,1182,2752,4582,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,303 +21.1% +5.7%
Other Income 295333315425450556546638618761811713724731689 -15.0% -5.7%
Total Income 2,4132,6082,7732,9573,1863,3854,3154,5494,7325,0315,1895,2245,4515,7505,992 +15.5% +4.2%
Interest Expended 9651,0621,2121,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,607 +11.7% +7.0%
Operating Profit 5565715466486576649881,1321,2051,2921,3121,2101,215—1,435 +9.4% —
Provisions 334133114159133319373502635533481331—371 -30.3% —
Profit Before Tax 5235305135334984556697597036577797298841,0821,064 +36.6% -1.7%
Net Profit 393425387402375371503571528504581561668832796 +37.0% -4.3%
EPS 5.906.375.806.025.615.546.777.687.106.777.807.528.9411.1210.63 +36.3% -4.4%
Gross NPA % 1.81% 1.66% 1.76% 1.91% 1.98% 1.67% 1.78% 1.98% 2.31% 2.28% 2.47% 2.41% 2.30% 2.03% 2.10% — —
Net NPA % 0.51% 0.42% 0.55% 0.60% 0.68% 0.55% 0.63% 0.75% 0.91% 0.74% 0.88% 0.88% 0.88% 0.74% 0.76% — —
Capital Adequacy Ratio 21.97% 23.59% 21.46% 22.43% 20.82% 20.06% 20.11% 18.51% 18.01% 20.06% 19.42% 18.78% 19.01% — 18.93% — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹16,064 Cr ₹18,636 Cr ₹19,560 Cr +16.0%
Other Income ₹2,563 Cr ₹2,978 Cr ₹2,857 Cr +16.2%
Total Income ₹18,626 Cr ₹21,614 Cr ₹22,417 Cr +16.0%
Interest Expended ₹8,052 Cr ₹9,524 Cr ₹9,797 Cr +18.3%
Net Interest Income ₹8,012 Cr ₹9,112 Cr ₹9,763 Cr +13.7%
Operating Profit ₹4,617 Cr ₹3,737 Cr ₹3,861 Cr -19.1%
Provisions ₹1,829 Cr ₹1,345 Cr ₹1,183 Cr -26.4%
Profit Before Tax ₹2,788 Cr ₹3,474 Cr ₹3,759 Cr +24.6%
Tax ₹682 Cr ₹583 Cr ₹653 Cr -14.6%
Net Profit ₹2,106 Cr ₹2,641 Cr ₹2,856 Cr +25.4%
EPS ₹28.32 ₹35.38 ₹38.21 +24.9%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 667669745748 +0.4%
Reserves 10,31111,89016,42218,984 +15.6%
Deposits 69,36587,182124,269152,661 +22.8%
Borrowing 6,2995,47911,66013,872 +19.0%
Other Liabilities 3,5754,2054,7515,532 +16.4%
Total Liabilities 90,216109,426157,846191,797 +21.5%
Fixed Assets 7077848251,436 +74.1%
CWIP 3367870 -100.0%
Investments 20,07227,13337,84844,794 +18.4%
Other Assets 69,40481,441119,086145,567 +22.2%
Total Assets 90,216109,426157,846191,797 +21.5%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity 5,4942,6085,4621,829 -66.5%
Cash from Investing Activity -4,320-4,855-4,780-5,090 -6.5%
Cash from Financing Activity 2,323-8022,4072,318 -3.7%
Net Cash Flow 3,497-3,0493,090-943 -130.5%
Free Cash Flow 5,1902,2705,2051,027 -80.3%
CFO/OP 122%52%72%28% -61.1%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 15%13%14%14% +0.0%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 22.85%22.82%22.79%22.76%22.74%22.67% -0.3%
FIIs 37.68%34.50%36.45%37.27%35.98%36.06% +0.2%
DIIs 28.86%31.91%31.27%31.30%32.81%32.83% +0.1%
Public 10.59%10.78%9.51%8.67%8.47%8.44% -0.4%
No. of Shareholders 1,90,1191,91,5081,81,6351,67,4431,62,8941,63,131 +0.1%

⚖️ Peer comparison

Industry: Banks - Regional · top 25 of 27 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 HDFCBANK HDFC Bank ₹708.25 1,091,484 13.6 506,315 80,825 18.7% 16.0% 5.2% 8.4% 9.1% 5.6%
2 ICICIBANK ICICI Bank ₹1,379.30 990,020 18.1 211,322 54,667 27.6% 25.9% 4.7% 6.2% 15.9% 20.1%
3 SBIN State Bank ₹995.70 919,093 10.7 722,687 88,468 14.7% 12.2% 7.0% 8.3% 7.8% 11.1%
4 KOTAKBANK Kotak Mahindra ₹419.00 416,807 20.5 111,296 20,296 20.5% 18.2% 1.0% -12.8% 12.6% 22.5%
5 AXISBANK Axis Bank ₹1,240.60 386,252 12.9 170,929 29,990 21.3% 17.5% 4.0% -5.8% 14.8% 39.4%
6 UNIONBANK Union Bank ₹178.20 136,031 6.2 130,809 22,000 12.4% 16.8% -0.6% 7.8% 3.9% 30.6%
7 PNB Punjab National ₹115.70 132,973 5.8 151,526 22,871 15.0% 15.1% 6.4% -0.6% 5.7% 15.2%
8 BANKBARODA Bank of Baroda ₹235.57 121,822 6.7 159,738 18,232 18.0% 11.4% 2.6% -3.9% 7.6% -48.6%
9 INDIANB Indian Bank ₹853.50 114,963 8.7 84,489 13,218 21.0% 15.6% 8.7% 3.9% 21.1% 13.9%
10 CANBK Canara Bank ₹123.49 112,013 5.5 150,263 20,391 17.4% 13.6% 0.3% 12.2% -2.6% 11.0%
11 IDBI IDBI Bank ₹83.55 89,836 10.8 36,439 8,324 19.4% 22.8% 4.6% 21.5% 7.3% -31.1%
12 FEDERALBNK Federal Bank ₹344.00 84,981 16.3 36,483 5,348 17.7% 14.7% 7.0% 5.0% 19.0% 57.7%
13 INDUSINDBK IndusInd Bank ₹978.20 76,216 57.6 52,156 1,322 9.7% 2.5% -5.1% -65.5% -9.2% 71.7%
14 IDFCFIRSTB IDFC First ₹86.21 74,332 32.5 49,914 2,305 13.0% 4.6% 11.4% 8.1% 12.6% 153.1%
15 AUBANK AU Small ₹981.20 73,533 25.7 22,417 2,856 17.2% 12.7% 16.0% 25.4% 15.5% 37.0%
16 YESBANK Yes Bank ₹23.40 73,449 17.6 39,277 4,194 11.8% 10.7% 0.6% 43.5% 16.3% 63.2%
17 MAHABANK Bank of Maharashtra ₹84.20 64,763 8.6 34,008 7,534 17.2% 22.2% 15.6% 26.6% 15.0% 34.3%
18 RBLBANK RBL Bank ₹412.55 63,950 53.0 19,673 1,205 16.5% 6.1% 3.6% 22.5% 21.6% 158.9%
19 IOB Indian Overseas ₹33.11 63,759 10.8 39,606 5,958 19.4% 15.0% 11.4% 59.6% 23.3% 45.6%
20 BANKINDIA Bank of India ₹139.06 63,309 5.6 87,046 11,343 15.0% 13.0% 6.5% 14.2% 9.8% 36.2%
21 KARURVYSYA Karur Vysya ₹335.40 32,422 11.0 13,985 2,958 23.3% 21.2% 14.4% 29.3% 10.5% 37.2%
22 UCOBANK UCO Bank ₹24.05 30,158 10.1 31,742 2,982 20.0% 9.4% 0.9% 13.2% 10.1% 26.8%
23 CENTRALBK Central Bank ₹30.43 27,543 5.7 44,345 4,822 10.1% 10.9% 7.5% 14.9% 14.5% 20.6%
24 BANDHANBNK Bandhan Bank ₹159.10 25,633 20.9 24,423 1,223 18.1% 5.0% -1.8% -55.4% 1.1% 67.9%
25 CUB City Union ₹229.84 22,772 17.2 7,908 1,327 18.1% 16.8% 17.5% 18.1% 20.3% 25.0%
❓ Frequently asked questions
What was AU Small Finance Bank Limited's total income in Q1 FY27?
AU Small Finance Bank Limited reported total income of ₹5,992 crore for the quarter ended June 2026 (Q1 FY27), up 15.5% from ₹5,189 crore in the same quarter last year, and up 4.2% sequentially over the March 2026 quarter.
What was AU Small Finance Bank Limited's net profit in Q1 FY27?
Net profit rose 37.0% year-on-year to ₹796 crore, from ₹581 crore. Earnings per share (EPS) came in at ₹10.63.
What is AUBANK's market capitalisation and P/E ratio?
At the current price of ₹953.90, AUBANK has a market capitalisation of ₹71,487 crore and a trailing P/E of about 25.0.
What are AU Small Finance Bank Limited's NPA levels?
On asset quality, gross NPA stood at 2.10% and net NPA at 0.76% (gross NPA was 2.47% a year ago); the capital adequacy ratio was 18.93%.
Who owns AU Small Finance Bank Limited? (shareholding pattern)
As of Sep 2026, promoters held 22.67%, foreign institutional investors (FIIs) 36.06%, domestic institutional investors (DIIs) 32.83%, public shareholders 8.44% of AU Small Finance Bank Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI