Arthneeti

AU Small Finance Bank Q2 FY27 Share Price & Earnings Call Analysis

₹864.00-1.90% today
Market cap
₹64,898 Cr
P/E
22.73
ROE
14.25%
PEG
1.01
Price to sales
3.32
Debt to equity
8.34
52W high / low
₹1,129 / ₹843
Sales growth (5Y)
30.36%
EBITDA margin
54.70%
Net profit margin
14.20%
Promoter holding
22.66%
Sales (last year)
₹19,561 Cr

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]

Guidance scorecard · Q2 FY27 call

What AU Small Finance Bank Ltd's management guided
and where it ranks in Banks

#2of 27 in
Banks
Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

20–40%
  • AU Small Finance Bank aims to grow at 2 to 2.5 times India's nominal GDP over the next 10 years by building a full-fledged pan-India franchise across all zones (South, West, North, East, Central).
  • Focus on scaling all products (retail assets, mortgages, gold loans, MFI, commercial banking, personal loans, consumer finance, credit cards) across new and existing geographies.
  • Newer geographies, enabled by acquisitions like Fincare, are contributing incrementally to growth, especially in rural and semi-urban markets (e.g., UP, Bihar, Southern states).
  • Digital unsecured products (personal loans, credit cards) expected to ramp up gradually as these businesses mature.

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

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

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

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Continued investments in products, distribution, and branding to strengthen the liability franchise.
  • Significant investment in building capabilities in newer geographies over the last one to two years.
  • Meaningful progress in embedding AI and automation into core business processes, including rolling out an AI-enabled gold loan origination platform and AI-led transformation in vehicle finance, personal loans, and credit cards.
  • Technology expenditure is around INR1,000 crores, representing roughly 12%-13% of total operating expenses.

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

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

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

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what AU Small Finance Bank Ltd said on the order book →

Full Q1 FY27 analysis
Full Banks ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Banks
on management's own guidance

  1. This stockAU Small FinanceGood growth
    2
  2. Canara BankGood growth
    1
  3. RBL BankGood growth
    3
See all potential multibaggersAll Banks rankings

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Banks companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
1Canara Bank20–40%Flat₹1.07L Cr5.3
2AU Small FinanceThis stock20–40%Flat₹74,341 Cr26.0
3RBL Bank20–40%Flat₹58,716 Cr49.8
420–40%Flat₹13,576 Cr9.4
520–40%Flat₹6,759 Cr8.6
620–40%Flat₹5,337 Cr8.0

Sign up free to see every company in the sector ranking and track AU Small Finance Bank Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Banks ranking

Financials of AU Small Finance Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

AU Small Finance Bank Ltd

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +25.47%25.45%22.92%22.91%22.89%22.87%22.85%22.82%22.79%22.76%22.74%22.66%
FIIs +41.13%39.37%39.58%40.71%39.34%35.58%37.68%34.50%36.45%37.27%35.98%36.06%
DIIs +20.81%22.77%18.44%20.13%21.78%27.16%28.86%31.91%31.27%31.30%32.81%32.84%
Public +12.63%12.40%19.06%16.23%15.99%14.39%10.59%10.78%9.51%8.67%8.47%8.45%
No. of Shareholders1,55,6602,30,1721,95,7621,74,1011,89,4951,92,9871,90,1191,91,5081,81,6351,67,4431,62,8941,63,131

Financials of AU Small Finance Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +2,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,3035,612
Interest1,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,6072,792
Expenses +1,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,2312,3212,436
Financing Profit12756-916012185-104-3216160351375384
Financing Margin %5%2%-0%4%3%2%-2%-1%0%3%7%7%7%
Other Income +406442464509638618761811713724731689770
Depreciation0000000000000
Profit before tax5334984556697597036577797298841,0821,0641,154
Tax %25%25%18%25%25%25%23%25%23%24%23%25%26%
Net Profit +402375371503571528504581561668832796858
EPS in Rs6.015.615.546.767.687.106.777.797.528.9411.1210.6311.42
Gross NPA %1.91%1.98%1.67%1.78%1.98%2.31%2.28%2.47%2.41%2.30%2.03%2.10%1.99%
Net NPA %0.60%0.68%0.55%0.63%0.75%0.91%0.74%0.88%0.88%0.88%0.74%0.76%0.81%

Financials of AU Small Finance Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +7041,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,63620,661
Interest2823954968271,6072,3772,5852,6883,7805,3988,0529,52410,222
Expenses +2092894458321,1631,6122,2242,6343,4104,6297,4918,3459,169
Financing Profit2123263391091802961426011,0165285207681,270
Financing Margin %30%32%26%6%6%7%3%10%12%5%3%4%6%
Other Income +258103884627061,4219941,0341,6972,5262,9782,914
Depreciation7965362891041401852252592720
Profit before tax2083231,1434435809141,4581,4541,8651,9992,7883,4744,185
Tax %33%34%28%34%34%26%20%22%23%23%24%24%
Net Profit +1402128222923826751,1711,1301,4281,5352,1062,6413,153
EPS in Rs2.654.0014.465.116.5311.0918.7517.9421.4222.9328.2935.3042.11
Dividend Payout %0%0%0%5%6%0%0%3%5%4%4%3%

Financials of AU Small Finance Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital4444284286292304312315667669745748751
Reserves7679651,7031,9952,8714,0735,9637,19910,31111,89016,42219,22520,740
Deposits07,92319,42226,16435,97952,58569,36587,182124,269152,661170,460
Borrowing2,8784,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,87214,239
Other Liabilities +3465026749891,4241,2672,3072,9883,5754,2054,7515,2915,614
Total Liabilities4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797211,804
Fixed Assets +1924363804404384776097077848258811,543
CWIP0024067105143367875550
Investments1402322,1503,0517,16210,66810,81515,30620,07227,13337,84844,79447,530
Other Assets +3,8776,0387,35515,39625,01431,02740,29453,14969,40481,441119,086145,567162,731
Total Assets4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797211,804

Financials of AU Small Finance Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-747-1,938-2,4052,5058486605,0566,8495,4942,6085,4621,829
Cash from Investing Activity +-23-33552-1,890-2,305-1,267-990-4,753-4,320-4,855-4,780-5,090
Cash from Financing Activity +7821,9642,4485211,4362,237-2,655-9482,323-8022,4072,318
Net Cash Flow12-75961,136-211,6291,4121,1473,497-3,0493,090-943
Free Cash Flow-756-1,952-2,6622,3417245694,9166,5685,1902,2705,2051,027

Financials of AU Small Finance Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %19%23%55%14%14%18%22%16%15%13%14%14%

Guidance history

How AU Small Finance Bank Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlanned——
Q4 FY26 call →20–40%FlatPlanned——
Q3 FY26 call →20–40%FlatPlanned——
Q2 FY26 call →20–40%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

21out of 100

Momentum score · price trend

21 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−1.6%60%
Last 6 months−15.0%29%
Last 3 months−17.5%27%

The price is 23.4% below its all-time high of ₹1,128.6 (25 Aug 2026). Stocks more than 20% below their peak have their score halved, so 41 became 21.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For AU Small Finance Bank Ltd: 0.4 × 60 + 0.4 × 29 + 0.2 × 27 = 41, halved to 21 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 30 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

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

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