AU Small Finance Bank shares fall 2.4% in early trade

Shares of AU Small Finance Bank declined by 2.4% to a low of Rs 801.2 in early trade. This movement occurred as the stock reacted to early trading pressures. The stock is currently trading on the NIFTY MIDCAP 150.

Financial Performance:

The following table summarizes the key financial figures for AU Small Finance Bank.

ParticularsMar 2025Mar 2024Mar 2023Mar 2022

Mar 2021RevenueRs 18,590 CroreRs 12,300 CroreRs 9,239 CroreRs 6,915 Crore

Rs 6,401 CroreNet ProfitRs 2,106 CroreRs 1,535 CroreRs 1,428 CroreRs 1,130 Crore

Rs 1,171 CroreGross NPARs 2,477 CroreRs 1,237 CroreRs 981 CroreRs 924 Crore

Rs 1,502 CroreGross NPA (%)2.281.671.662.00

4.00Net NPARs 791 CroreRs 441 CroreRs 286 CroreRs 271 Crore

Rs 755 CroreNet NPA (%)0.740.550.420.50

2.18

The standalone financials show that the revenue for the year-ending March 2025 stood at Rs 18,590 Crore, which is an increase compared to Rs 12,300 Crore in March 2024. The net profit for the same period was Rs 2,106 Crore, up from Rs 1,535 Crore in the previous year. The Gross Non-Performing Assets (NPA) stood at Rs 2,477 Crore, with a percentage of 2.28%.

Standalone Quarterly Financials:

ParticularsMar 2025Dec 2024Sep 2024Jun 2024

Mar 2024Interest EarnedRs 4,270 CroreRs 4,113 CroreRs 3,910 CroreRs 3,769 Crore

Rs 2,829 CroreOther IncomeRs 760 CroreRs 618 CroreRs 637 CroreRs 545 Crore

Rs 555 CroreTotal IncomeRs 5,031 CroreRs 4,731 CroreRs 4,548 CroreRs 4,314 Crore

Rs 3,385 CroreNet ProfitRs 503 CroreRs 528 CroreRs 571 CroreRs 502 Crore

Rs 370 Crore

For the quarter ending March 2025, AU Small Finance Bank reported interest earned of Rs 4,270 Crore and a net profit of Rs 503 Crore. The total income for the same quarter was Rs 5,031 Crore.

Cash Flow:

ParticularsMar 2025Mar 2024Mar 2023Mar 2022

Mar 2021Operating ActivitiesRs 5,462 CroreRs 2,608 CroreRs 5,493 CroreRs 6,848 Crore

Rs 5,056 CroreInvesting ActivitiesRs -5,931 CroreRs -4,854 CroreRs -4,319 CroreRs -4,753 Crore

Rs -989 CroreFinancing ActivitiesRs 2,407 CroreRs -802 CroreRs 2,322 CroreRs -948 Crore

Rs -2,654 CroreNet Cash FlowRs 3,090 CroreRs -3,048 CroreRs 3,496 CroreRs 1,147 Crore

Rs 1,411 Crore

The cash flow statement indicates that the net cash flow for the year-ending March 2025 was Rs 3,090 Crore. Cash flow from operating activities was Rs 5,462 Crore.

Balance Sheet:

ParticularsMar 2025Mar 2024Mar 2023Mar 2022

Mar 2021Share CapitalRs 744 CroreRs 669 CroreRs 666 CroreRs 314 Crore

Rs 312 CroreReserves & SurplusRs 16,297 CroreRs 11,827 CroreRs 10,266 CroreRs 7,157 Crore

Rs 5,859 CroreDepositsRs 124,268 CroreRs 87,182 CroreRs 69,364 CroreRs 52,584 Crore

Rs 35,979 CroreBorrowingsRs 11,659 CroreRs 5,479 CroreRs 6,298 CroreRs 5,990 Crore

Rs 7,029 CroreTotal AssetsRs 157,845 CroreRs 109,425 CroreRs 90,216 CroreRs 69,077 Crore

Rs 51,591 Crore

The balance sheet shows that total deposits reached Rs 124,268 Crore as of March 2025, and total assets amounted to Rs 157,845 Crore.

Key Ratios:

ParticularsMar 2025Mar 2024Mar 2023Mar 2022

Mar 2021Basic EPS (Rs.)28.3222.9821.8636.06

38.19P/E (x)18.8824.5926.5017.28

16.08P/B (x)2.323.013.525.22

6.10Net Interest Margin (%)5.074.714.904.68

4.58Return on Networth / Equity (%)12.2612.2113.0015.03

18.65

The Basic Earnings Per Share (EPS) for March 2025 was Rs 28.32. The P/E ratio stood at 18.88, and the Return on Networth / Equity was 12.26%.

Corporate Actions:

AU Small Finance Bank announced allotment of 2,17,462 equity shares of face value of Rs 10 each on July 11, 2025, pursuant to exercise of equivalent number of Employee Stock Options under the ESOPs. The bank also submitted the confirmation certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2025.

AU Small Finance Bank announced a final dividend of Rs 1.00 per share (10%) with effective date as 04 Jul, 2025.With the stock currently trading at Rs 802.75, AU Small Finance Bank is currently reacting to early trading pressures on the NIFTY MIDCAP 150.