| Margins | NIM expanded 24bps QoQ to 5.96% in Q4. |
|---|---|
| Demand visibility | Strong growth in secured assets (Wheels/Gold); unsecured returning to growth. |
| Management confidence | High; filing for final Universal Bank license transition. |
Growth
FY26 PAT up 25% YoY to ₹2,641cr. Gross loan portfolio grew 21% YoY to ₹1.40 lac cr; Deposits grew 23% YoY.
Outlook
Applied for final Universal Bank license. FY27 expansion targets 370-400 new Gold loan touchpoints and 80-100 urban liability branches.
Risks
Unsecured loan portfolio saw 1% YoY decline. Yield on advances compressed 58bps YoY to 13.8% in Q4'FY26.
Earnings Call filed with NSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹1,018.00
- Market cap
- ₹76,489 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 26.8×Sector 22.0×
- Promoter holding
- 22.74%-0.02% QoQ
- FII holding
- 35.98%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Au Small Finance Bank Ltd
All →Au Small Finance Bank Investor Presentation: Key Takeaways
AU SFB reports steady Q1FY27 growth with Gross Loan Portfolio reaching ₹144k Cr and Deposits at ₹158k Cr. Management strategy focuses on 'in-principle' Universal Bank transition and AI-led operational efficiency.
Au Small Finance Bank Debt & Borrowing: ₹0.55 Cr
AU Small Finance Bank paid ₹0.55 Crore as interest on debentures on the due date.
- Value
- ₹0.55 Cr
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 3,78,830 equity shares pursuant to the exercise of employee stock options. The paid-up equity capital of the bank has increased accordingly.
Au Small Finance Bank Management Change
AU Small Finance Bank has appointed Mr. Anil Agarwal as Senior Executive Group Head - Commercial & Institutional Banking, designated as a Senior Management Personnel.
Au Small Finance Bank Regulatory Approval
AU Small Finance Bank received RBI approval for ICICI Prudential Asset Management Company to acquire up to 9.95% of the Bank's paid-up share capital.
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 4,11,669 equity shares following the exercise of employee stock options. This issuance increases the bank's paid-up equity share capital.