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AU Small Finance Bank Limited (IN:AUBANK)
:AUBANK
India Market
AUBANK
AU Small Finance Bank Limited
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AU Small Finance Bank Limited (AUBANK) Ratios

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AU Small Finance Bank Limited Ratios

IN:AUBANK's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:AUBANK's free cash flow was decreased by ₹ and operating cash flow was ₹0.14. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.06 0.06 0.08 0.21 2.82
Quick Ratio
 0.06 0.06 0.08 0.45 32.45
Cash Ratio
 0.06 0.06 0.08 0.21 2.82
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 -0.05 0.01 -0.17 0.07 14.98
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 1.06 0.00
Net Current Asset Value
₹ -1.63T₹ -1.63T₹ -1.31T₹ -903.90B₹ -782.03B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.07 0.12 0.07
Debt-to-Equity Ratio
 0.69 0.69 0.68 1.04 0.57
Debt-to-Capital Ratio
 0.41 0.41 0.40 0.51 0.36
Long-Term Debt-to-Capital Ratio
 0.41 0.41 0.40 0.00 0.26
Financial Leverage Ratio
 9.60 9.60 9.20 8.71 8.22
Debt Service Coverage Ratio
 0.28 0.31 0.29 0.23 0.43
Interest Coverage Ratio
 0.36 0.36 0.35 0.37 0.49
Debt to Market Cap
 0.19 0.22 0.30 0.05 0.10
Interest Debt Per Share
 313.02 313.56 264.33 276.70 150.99
Net Debt to EBITDA
 1.54 1.43 0.72 3.01 2.57
Profitability Margins
Gross Profit Margin
41.47%48.47%56.69%55.95%59.09%
EBIT Margin
16.07%16.07%14.99%16.32%20.18%
EBITDA Margin
16.07%17.33%16.39%18.16%22.19%
Operating Profit Margin
16.07%16.07%14.99%16.32%20.18%
Pretax Profit Margin
16.07%16.07%14.99%16.32%20.18%
Net Profit Margin
12.22%12.22%11.33%12.52%15.45%
Continuous Operations Profit Margin
12.22%12.22%11.33%12.53%15.45%
Net Income Per EBT
76.03%76.03%75.53%76.76%76.58%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.38%1.38%1.33%1.40%1.58%
Return on Equity (ROE)
14.17%13.22%12.27%12.22%13.01%
Return on Capital Employed (ROCE)
8.88%8.88%8.49%2.53%2.08%
Return on Invested Capital (ROIC)
6.75%6.75%6.41%1.80%101.32%
Return on Tangible Assets
1.38%1.38%1.33%1.88%1.58%
Earnings Yield
3.69%4.20%5.33%3.90%3.69%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 11.65 12.72 12.84
Payables Turnover
 0.00 0.00 10.83 10.89 10.31
Inventory Turnover
 0.00 0.00 0.00 -0.74 -0.35
Fixed Asset Turnover
 15.05 15.05 20.38 14.39 12.48
Asset Turnover
 0.11 0.11 0.12 0.11 0.10
Working Capital Turnover Ratio
 -0.31 -0.17 -0.27 -1.05 17.65
Cash Conversion Cycle
 0.00 0.00 -2.38 -501.15 -1.06K
Days of Sales Outstanding
 0.00 0.00 31.32 28.70 28.42
Days of Inventory Outstanding
 0.00 0.00 0.00 -496.35 -1.05K
Days of Payables Outstanding
 0.00 0.00 33.70 33.51 35.41
Operating Cycle
 0.00 0.00 31.32 -467.64 -1.02K
Cash Flow Ratios
Operating Cash Flow Per Share
 -101.47 24.51 -282.98 33.80 82.30
Free Cash Flow Per Share
 -108.73 13.67 -286.52 28.61 77.72
CapEx Per Share
 7.26 10.84 3.55 5.19 4.58
Free Cash Flow to Operating Cash Flow
 1.07 0.56 1.01 0.85 0.94
Dividend Paid and CapEx Coverage Ratio
 -12.28 2.07 -62.31 5.46 16.28
Capital Expenditure Coverage Ratio
 -13.97 2.26 -79.82 6.52 17.96
Operating Cash Flow Coverage Ratio
 -0.55 0.13 -1.81 0.17 0.87
Operating Cash Flow to Sales Ratio
 -0.35 0.08 -1.13 0.18 0.59
Free Cash Flow Yield
-11.33%1.62%-54.07%4.85%13.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 27.13 23.81 18.76 25.65 27.08
Price-to-Sales (P/S) Ratio
 3.32 2.91 2.13 3.21 4.18
Price-to-Book (P/B) Ratio
 3.59 3.15 2.30 3.13 3.52
Price-to-Free Cash Flow (P/FCF) Ratio
 -8.83 61.63 -1.85 20.60 7.45
Price-to-Operating Cash Flow Ratio
 -9.45 34.38 -1.87 17.44 7.04
Price-to-Earnings Growth (PEG) Ratio
 1.08 0.95 0.81 5.01 1.27
Price-to-Fair Value
 3.59 3.15 2.30 3.13 3.52
Enterprise Value Multiple
 22.19 18.21 13.69 20.71 21.43
Enterprise Value
 770.93B 682.23B 417.10B 460.73B 439.24B
EV to EBITDA
 22.19 18.21 13.69 20.71 21.43
EV to Sales
 3.57 3.16 2.24 3.76 4.75
EV to Free Cash Flow
 -9.49 66.87 -1.95 24.11 8.47
EV to Operating Cash Flow
 -10.17 37.30 -1.98 20.41 8.00
Tangible Book Value Per Share
 267.24 267.70 230.20 173.60 164.45
Shareholders’ Equity Per Share
 267.24 267.70 230.20 188.03 164.45
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.24 0.23 0.23
Revenue Per Share
 289.19 289.69 249.34 183.45 138.43
Net Income Per Share
 35.34 35.40 28.24 22.98 21.39
Tax Burden
 0.76 0.76 0.76 0.77 0.77
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.04 0.00 0.28 <0.01 <0.01
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 -2.75 0.53 -7.57 1.13 2.95
Currency in INR