ALFA Finder| Revenue growth | 32% YoY NII growth |
|---|---|
| Margins | NIM expanded 47 bps YoY to 5.9% |
| Order book | Gross Loan Portfolio at ₹1.44 lac Cr |
| Demand visibility | Strong disbursement growth at 42% YoY |
| Management confidence | High; citing strong performance in seasonally soft quarter |
Growth
Net Interest Income grew 32% YoY; Deposits and Loans grew 24% and 23% YoY respectively.
Outlook
Elevated Mr. Yogesh Jain to Deputy CEO; scaling agentic AI platform across all loan journeys.
Risks
Sequential NIM moderation by 7 bps; slight increase in cost-to-assets to 4.0%.
Last quarter's promises, checked
Delivered
- Guided 2x-2.5x nominal GDP growth → delivered 23% Loan growth (= BEAT)
- Guided cost-to-assets ratio < 4% → delivered 4.0% (= BEAT)
- Guided ROA target 1.8% → delivered 1.8% (= BEAT)
Partly delivered
- Guided credit cost ~90 bps → delivered 60 bps (= PARTIAL)
Investor Presentation filed with NSE, NSE: AUBANK. Summary written with AI assistance from the document.
Au Small Finance Bank Ltd: key numbers
- Share price
- ₹951.15
- Market cap
- ₹71,523 Cr
- Revenue (annual)
- ₹18,636 Cr
- Net profit (annual)
- ₹2,641 Cr
- P/E (TTM)
- 22.7×Sector 20.8×
- Promoter holding
- 22.67%-0.07% QoQ
- FII holding
- 36.06%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 Debt & Borrowing: ₹0.46 Cr
AU Small Finance Bank paid Rs.0.46 Crore interest on its 10.75% debt securities on 9 November 2026. Timely servicing of debt securities is a debt event.
- Value
- ₹0.46 Cr
Au Small Finance Bank Employee Stock Options
AU Small Finance Bank allotted 1,86,955 shares on exercised ESOPs under four schemes. Paid-up capital rises accordingly, with no event value disclosed.
Au Small Finance Bank Debt & Borrowing: ₹0.68 Cr
AU Small Finance Bank paid Rs.0.68 Crore monthly interest on its 10.75% NCDs due 5 November 2026. The payment meets the obligation on its Rs.75 Crore issue.
- Value
- ₹0.68 Cr
Au Small Finance Bank Price Movement Clarification
AU Bank clarified a potential data leak at a third-party platform, possibly affecting about 28.5 lakh vehicle loan customers. It says operations and finances are unaffected.
Au Small Finance Bank Earnings Call Transcript: Key Takeaways
AU SFB shows strong growth momentum despite a tight liquidity environment. Management is focused on granular deposit mobilization and leveraging technology to improve operating efficiency.
- Call
- Guides 25% growth
Au Small Finance Bank Results Update
AU Small Finance Bank filed a press release on its unaudited Q2 and H1 FY27 results, reporting PAT up 53% YoY to ₹858 cr. The filing is a continuation of the results disclosure, with the results figures themselves carried in the release.