AU Small Finance Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from AU Small Finance Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 83% of Financial Services companies in India.
Growth Efficiency Ratio
₹18Sales grew 122% in 3 years; of every extra ₹100 of sales, ₹18 became extra profit.
Lower than 58% of Financial Services companies in India.
Asset Productivity Ratio
+122% / +113%In 3 years sales changed by +122% while total assets changed by +113%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
AU Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns. Net profit rose 25% in the year to Mar 2026, and grew 23% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
25.2Investors pay ₹25.2 for every ₹1 of AU Small Finance Bank Limited's yearly profit, higher than 69% of Financial Services companies in India.
P/B ratio
3.58The share price is 3.58 times AU Small Finance Bank Limited's book value per share, higher than 81% of Financial Services companies in India.
Market cap
₹71,487 CrThe total market value of all of AU Small Finance Bank Limited's shares at today's price (share price × number of shares), larger than 86% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹19,974 CrWhat AU Small Finance Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹266.52Net worth divided by the number of shares. The share price of ₹953.90 is 3.6 times this, which is the P/B above.
Return on equity (ROE)
14.2%AU Small Finance Bank Limited earned 14.2% on its shareholders' money over the last year, higher than 69% of Financial Services companies in India.
Owes vs Owns
0.90×AU Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 85% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.10%AU Small Finance Bank Limited pays 0.10% of its share price as dividends a year, lower than 95% of dividend-paying Financial Services companies in India.
Revenue growth
+15%Revenue rose 15% in the year to Mar 2026, and grew 30% a year on average over 3 years.
Profit growth
+25%Net profit rose 25% in the year to Mar 2026, and grew 23% a year on average over 3 years.
Profit margin
21.8%AU Small Finance Bank Limited keeps ₹22 of every ₹100 of revenue as net profit.
Questions
What is AU Small Finance Bank Limited's P/E ratio?
Investors pay ₹25.2 for every ₹1 of AU Small Finance Bank Limited's yearly profit, higher than 69% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For AU Small Finance Bank Limited: ₹71,487 Cr ÷ ₹19,974 Cr (31 Mar 2026) = 3.6.
What is AU Small Finance Bank Limited's return on equity?
AU Small Finance Bank Limited earned 14.2% on its shareholders' money over the last year, higher than 69% of Financial Services companies in India.
How much does AU Small Finance Bank Limited owe compared with what it owns?
AU Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 85% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does AU Small Finance Bank Limited pay a dividend?
Yes. AU Small Finance Bank Limited pays 0.10% of its share price as dividends a year, lower than 95% of dividend-paying Financial Services companies in India.
Is AU Small Finance Bank Limited's revenue growing?
Revenue rose 15% in the year to Mar 2026, and grew 30% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.