ALFA Finder| Margins | NII % at 5.6%; PPoP % at 3.0% for Q1FY27. |
|---|---|
| Order book | Gross Loan Portfolio at ₹144,000 Cr as of 30-Jun-2026. |
| Demand visibility | Strong headroom with ~0.7/0.6% market share in loans and deposits. |
| Management confidence | High; citing long-term execution track record and founder-led leadership. |
Growth
Q1FY27 Net Interest Income stood at ₹2.7k Cr; PAT reached ₹0.8k Cr. Annualized RoA and RoE remained stable at 1.7% and 15.6% respectively.
Outlook
Targeting sustainable growth at 2.0-2.5x Nominal GDP. Planned addition of ~100 liability branches annually to strengthen retail franchise.
Risks
Key headwinds include geopolitical uncertainty, crude prices, inflation, rate hikes, and potential changes in regulatory policy frameworks.
Last quarter's promises, checked
Delivered
- Guided 2.0x-2.5x GDP growth → delivered 23-24% YoY growth (= BEAT)
- Guided ~100 new branches annually → delivered 16 in Q1 (on track) (= BEAT)
- Guided ~1.8% ROA target → delivered 1.7% (= BEAT)
Partly delivered
- Guided stable margins → delivered 7 bps sequential decline to 5.9% (= PARTIAL)
Investor Presentation filed with BSE, 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.