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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 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 0.00 0.08 0.21 2.82 2.51
Quick Ratio
 0.00 0.08 0.45 32.45 31.77
Cash Ratio
 0.00 0.08 0.21 2.82 23.85
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.00 -0.17 0.07 14.98 27.34
Short-Term Operating Cash Flow Coverage
 0.00 0.00 1.06 0.00 2.71
Net Current Asset Value
₹ -1.48T₹ -1.31T₹ -903.90B₹ -782.03B₹ -609.35B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.12 0.07 0.19
Debt-to-Equity Ratio
 0.63 0.68 1.04 0.57 1.70
Debt-to-Capital Ratio
 0.39 0.40 0.51 0.36 0.63
Long-Term Debt-to-Capital Ratio
 0.39 0.40 0.00 0.26 0.32
Financial Leverage Ratio
 9.12 9.20 8.71 8.22 9.19
Debt Service Coverage Ratio
 0.28 0.29 0.23 0.43 0.24
Interest Coverage Ratio
 0.36 0.35 0.37 0.49 0.54
Debt to Market Cap
 0.16 0.30 0.05 0.10 0.14
Interest Debt Per Share
 288.27 264.33 276.70 150.99 231.95
Net Debt to EBITDA
 1.57 0.72 3.01 2.57 4.28
Profitability Margins
Gross Profit Margin
41.47%56.69%55.95%59.09%61.14%
EBIT Margin
16.07%14.99%16.32%20.18%21.02%
EBITDA Margin
16.07%16.39%18.16%22.19%23.05%
Operating Profit Margin
16.07%14.99%16.32%20.18%21.02%
Pretax Profit Margin
16.07%14.99%16.32%20.18%21.02%
Net Profit Margin
12.22%11.33%12.52%15.45%16.34%
Continuous Operations Profit Margin
12.22%11.33%12.53%15.45%16.34%
Net Income Per EBT
76.03%75.53%76.76%76.58%77.70%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.52%1.33%1.40%1.58%1.64%
Return on Equity (ROE)
14.73%12.27%12.22%13.01%15.04%
Return on Capital Employed (ROCE)
2.00%8.49%2.53%2.08%2.11%
Return on Invested Capital (ROIC)
1.52%6.41%1.80%101.32%32.04%
Return on Tangible Assets
1.52%1.33%1.88%1.58%1.63%
Earnings Yield
3.47%5.33%3.90%3.69%2.72%
Efficiency Ratios
Receivables Turnover
 0.00 11.65 12.72 12.84 8.58
Payables Turnover
 0.00 10.83 10.89 10.31 10.73
Inventory Turnover
 0.00 0.00 -0.74 -0.35 -0.37
Fixed Asset Turnover
 15.69 20.38 14.39 12.48 11.11
Asset Turnover
 0.12 0.12 0.11 0.10 0.10
Working Capital Turnover Ratio
 3.11 -0.27 -1.05 17.65 3.76
Cash Conversion Cycle
 0.00 -2.38 -501.15 -1.06K -987.11
Days of Sales Outstanding
 0.00 31.32 28.70 28.42 42.52
Days of Inventory Outstanding
 0.00 0.00 -496.35 -1.05K -995.60
Days of Payables Outstanding
 0.00 33.70 33.51 35.41 34.03
Operating Cycle
 0.00 31.32 -467.64 -1.02K -953.08
Cash Flow Ratios
Operating Cash Flow Per Share
 -101.47 -282.98 33.80 82.30 102.61
Free Cash Flow Per Share
 -108.73 -286.52 28.61 77.72 98.37
CapEx Per Share
 7.26 3.55 5.19 4.58 4.23
Free Cash Flow to Operating Cash Flow
 1.07 1.01 0.85 0.94 0.96
Dividend Paid and CapEx Coverage Ratio
 -12.28 -62.31 5.46 16.28 24.25
Capital Expenditure Coverage Ratio
 -13.97 -79.82 6.52 17.96 24.25
Operating Cash Flow Coverage Ratio
 -0.63 -1.81 0.17 0.87 0.54
Operating Cash Flow to Sales Ratio
 -0.35 -1.13 0.18 0.59 0.99
Free Cash Flow Yield
-10.67%-54.07%4.85%13.42%15.79%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 28.80 18.76 25.65 27.08 36.81
Price-to-Sales (P/S) Ratio
 3.52 2.13 3.21 4.18 6.01
Price-to-Book (P/B) Ratio
 3.99 2.30 3.13 3.52 5.54
Price-to-Free Cash Flow (P/FCF) Ratio
 -9.37 -1.85 20.60 7.45 6.33
Price-to-Operating Cash Flow Ratio
 -10.03 -1.87 17.44 7.04 6.07
Price-to-Earnings Growth (PEG) Ratio
 1.15 0.81 5.01 1.27 -6.57
Price-to-Fair Value
 3.99 2.30 3.13 3.52 5.54
Enterprise Value Multiple
 23.49 13.69 20.71 21.43 30.37
Enterprise Value
 815.93B 417.10B 460.73B 439.24B 484.13B
EV to EBITDA
 23.49 13.69 20.71 21.43 30.37
EV to Sales
 3.77 2.24 3.76 4.75 7.00
EV to Free Cash Flow
 -10.04 -1.95 24.11 8.47 7.37
EV to Operating Cash Flow
 -10.76 -1.98 20.41 8.00 7.07
Tangible Book Value Per Share
 255.35 230.20 173.60 164.45 112.57
Shareholders’ Equity Per Share
 255.35 230.20 188.03 164.45 112.57
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.23 0.23 0.22
Revenue Per Share
 289.19 249.34 183.45 138.43 103.61
Net Income Per Share
 35.34 28.24 22.98 21.39 16.93
Tax Burden
 0.76 0.76 0.77 0.77 0.78
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 0.28 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 -2.75 -7.57 1.13 2.95 4.71
Currency in INR