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AU Small Finance Bank Ltd

Q3 FY25Banks

AU Small Finance Bank Q3 FY25 earnings call: Revenue & Margins

Q3 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹1,108
Market cap₹81.1K Cr
P/E28.4
Updated23 Aug 2026
Read4 min read

The short version

Overall loan portfolio growth is expected around 20% for the next year. The bank aims to reduce its cost-to-income ratio to around 55% within the next 2-3 years, down from an expected 58-59% this year, through enhanced operational efficiency and digital initiatives.

From AU Small Finance Bank Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Overall loan portfolio growth is expected around 20% for the next year.
  • Retail secured assets to grow 23%-25%, with significant contribution from wheels and mortgages.
  • Wheels segment growth projected above 25% annually, expanding to 250-300 new touchpoints by FY26.
  • Mortgages (including micro business loans and home loans) expected to grow in low teens (MBL) and 20%-25% (home loans).
  • Expansion of mortgage distribution by another 130-150 touchpoints in FY26, including integration of Fincare's mortgage business to accelerate southern market presence.
  • MFI segment growth expected to slow down, with caution on industry-wide growth in FY26.
  • Deposit growth forecasted at 23%-24% for FY25, with focused branch expansion centering on top cities.

2 more points from AU Small Finance Bank Ltd's call on revenue

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Profitability & Margins

See what AU Small Finance Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

  • No major new infrastructure investment planned; focus is on using existing infrastructure for product expansion (Page 13).
  • 60 to 70 new branches planned next year, mostly in top cities, contributing to regular BAU opex, not heavy capex (Page 13).
  • Integration of Fincare merger largely complete, enabling cost savings and operational synergies without additional CAPEX (Page 20).
  • Continued investment in digital efficiency through digital labor/AI to reduce human effort and improve cost-income ratio (Page 21 & 25).

2 more points from AU Small Finance Bank Ltd's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what AU Small Finance Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The document does not provide explicit details on current or expected orderbook or pending orders for AU Small Finance Bank. However, relevant information related to growth and lending outlook includes: - Loan portfolio at around Rs. 1,09,000 crores with ~13% year-to-date growth. - Retail secured assets book is Rs. 73,000 crores (67% of total loan portfolio) growing at 14% year-to-date. - Growth outlook moderated from 25% to around 20% due to macro uncertainties. - Secured retail assets expected to grow 23%-25%. - Focus on cautious growth in unsecured loans like credit cards and MFI. - Commercial banking growing around 30%.

2 more points from AU Small Finance Bank Ltd's call on order book

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Continue your research

What AU Small Finance Bank Ltd's management said in earlier quarters

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Frequently Asked Questions

What were AU Small Finance Bank Ltd Q3 FY25 results?

Overall loan portfolio growth is expected around 20% for the next year. The bank aims to reduce its cost-to-income ratio to around 55% within the next 2-3 years, down from an expected 58-59% this year, through enhanced operational efficiency and digital initiatives.

What is AU Small Finance Bank Ltd share price analysis?

AU Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 28.4 with a market cap of ₹81,135 Cr. Investors should review the full earnings analysis for detailed insights.

Is AU Small Finance Bank Ltd planning capital expenditure?

No major new infrastructure investment planned; focus is on using existing infrastructure for product expansion (Page 13).

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.