AU Small Finance Bank Limited (AUBANK) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹		402.41	428.74	445.02	491.65	744.28	604	468.37		493.22
Выручка, млрд ₹	6.74	8.47	11.96	18.06	26.16	38.18	42.28	54.6	69.04	69.04
Чистая прибыль, млрд ₹	2.47	8.43	2.92	3.82	6.75	11.71	11.3	14.28	15.35	15.35
EV, млрд ₹		466.66	563.68	547.6	611.31	811.01	407.73	349.22	314.46	314.46
EBIT, млрд ₹	7.57	16.57	12.7	5.18	8.25	13.54	14.54	18.65	19.99	19.99
EBITDA, млрд ₹	7.66	16.64	13.23	5.8	9.14	14.59	15.94	20.5	22.25	22.25
Баланс стоимость, млрд ₹	10.01	20	22.81	31.63	43.77	62.75	75.14	109.77	125.6	125.6
FCF, млрд ₹	-19.52	-7.53	23.4	7.22	5.67	49.15	65.66	51.88	22.62	22.62
Операционный денежный поток, млрд ₹	-19.38	-4.96	25.05	8.48	6.6	50.56	68.49	54.94	-152.09	-152.09
Операционная прибыль, млрд ₹	7.57	16.58	12.7	5.18	8.25	13.54	13.14	16.79	25.57	25.57
Операционные расходы, млрд ₹	2.46	3.33	7.56	10.84	15.57	16.58	25.67	34.4	39.07	39.07
CAPEX, млрд ₹	0.1425	2.57	1.65	1.26	0.922	1.41	2.82	3.06	3.46	3.46

	2017Q4	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹	425.7	389.12			498.23				551.17			776.42				419.92				485.84
Выручка, млрд ₹														11.35	12.88	14.15	15.05	15.61	16.74	17.75	18.94	24.66	26.12
Чистая прибыль, млрд ₹														2.68	3.43	3.93	4.25	3.87	4.02	3.75	3.71	5.03	5.71
EV, млрд ₹													204.17		417.89		356.66	628.79	489.7	620.45	370		467.63
EBIT, млрд ₹													7.78	7.11	9.12	10.46	10.6	10.26	10.67	9.96	9.86	6.69
EBITDA, млрд ₹														3.56	4.56	5.23	5.3	5.13	5.33	4.98	4.55	0.0000	7.59
Баланс стоимость, млрд ₹														75.14	101.14	101.14	109.77	113.79	117.63	121.67	125.6	125.6	160.41
FCF, млрд ₹		1.81	1.81	1.81	1.42	1.42	1.42	1.42		0.7679			0.1848				0.2076
Операционный денежный поток, млрд ₹					1.65	1.65	1.65	1.65		0.7679	37.08		0.1848		-21.19		0.2076		-2.79
Операционная прибыль, млрд ₹														3.56	4.56	5.23	5.3	5.13	5.33	4.98	4.55	6.69	7.59
Операционные расходы, млрд ₹														7.41	8.32	8.92	9.75	10.15	10.27	11.17	12.28	6.88	26.12
CAPEX, млрд ₹					0.2305	0.2305	0.2305	0.2305		1.41	0.8785		2.82		1.45		3.06		1.23

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			1.33	6.43	17.83	17.65	33.98	48.18	59.77	94.25	64.41	64.41
Short Term Investments ₹	2.01	1.72	1	17.18		-7.2	-7.53	-11.88	53.48	83.89		83.89
Long term investments ₹	0.6458	0.6452	0.8928	21.5	30.51	71.62	106.68	108.15	153.07	200.72
Total Receivables ₹			0.5469	0.9651	1.26	2.64	4.18	5.11	8.06	7.2	9.64	9.64
Total Current Assets ₹			60.17	73.91	19.09	10.45	26.46	36.3	6.29	10.36	64.76	64.76
Чистые активы, млрд ₹		0.2307	0.2847	1.94	3.86	4.47	4.48	4.82	6.23	7.4		7.4
Активы, млрд ₹			62.73	98.18	188.33	326.23	421.43	515.91	690.78	902.16	1 094.26	1 094.26
Short Term Debt ₹			11.03	21.34	76.39	34.09	50.3	44.62	25.26	25.56	21.33	21.33
Long Term Debt ₹		21.03	40.06	49.33	76.39	86.13	103.35	70.3	59.91	62.99		62.99
Задолженность, млрд ₹			52.72	78.18	165.52	294.6	377.66	453.16	615.64	792.39	968.66	968.66
Чистый долг, млрд ₹			47.46	65.64	58.55	65.73	66.27	22.12	0.1428	-31.27	-64.41	-64.41
Долг, млрд ₹			51.08	70.68	152.78	120.23	153.65	114.91	85.17	88.55	54.79	54.79
Interest income ₹				14.17	17.67	29.49	42.86	49.5	59.22	82.05
Расходы на обслуживание долга ₹			3.8	4.83	8.27	16.06	23.77	25.85	26.88	37.8	53.98	53.98
Чист. проц. доходы, млрд ₹			7.14	8.98	9.4	13.43	19.09	23.65	32.34	44.25	105.55	82.05
Goodwill ₹	0.0053	0.0053	0.0053
Амортизация, млрд ₹			0.0852	0.0609	0.5325	0.6175	0.8862	1.04	1.4	1.85	2.25	2.25
Себестоимость, млрд ₹	0.0126	0.0156	2.21	2.33							-4.39	-4.39
Товарно материальные запасы ₹					-19.1	-22.84	-42.38	-58.17	73.31	108.66	73.4	73.4

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹											41.91	-27.08	59.77		39.49		94.25	-49.36	62.57	-51.55	63.76		85.06
Short Term Investments ₹												-0.4799	-53.48				-83.89
Long term investments ₹						71.62	84.34	106.68	112.41	108.15	116.79		153.07		202.2		200.72		232.2
Total Receivables ₹	8.84		1.26		10.89	2.64		4.18		5.11		8.06	8.06				7.2				9.64
Total Current Assets ₹											41.91	27.08	6.29		39.49		10.36	49.36	62.57	51.55	63.76		85.06
Чистые активы, млрд ₹						4.47	4.42	4.48	4.52	4.82	5.08		6.23		6.81		7.4		7.57
Активы, млрд ₹											532.36	586.45	690.78		778.78		902.16	915.83	959.77	1 011.76	1 094.26		1 388.29
Short Term Debt ₹	74.42	74.42	76.39	76.39	78.3								25.26				25.56				21.33
Long Term Debt ₹						86.13	85.83	103.35	101.23	70.3	49.68		59.91		66.95		62.99		53.44
Задолженность, млрд ₹												515.19	615.64		677.64		792.39	802.04	53.44	890.08	54.79	-125.6	1 227.88
Чистый долг, млрд ₹											7.76	72.77	0.1428		27.47		-31.27	125.73	-9.13	105.69	-8.97		-85.06
Долг, млрд ₹	148.85		152.78		156.6								85.17		66.95		88.55	76.37	53.44	54.14	54.79
Interest income ₹											14.05	14.96	16.67	18.2	19.92	21.18	22.75	24.58	25.31	27.36
Расходы на обслуживание долга ₹														8.44	9.09	9.65	10.62	12.12	12.82	14.11	14.92	18.48	19.36
Чист. проц. доходы, млрд ₹													9.37	9.76	10.83	11.53	12.13	12.46	12.49	13.25	28.29	37.69
Амортизация, млрд ₹													-3.89	-3.56	-4.56	-5.23	-5.3	-5.13	-5.33	-4.98	-5.32	-6.69
Себестоимость, млрд ₹																							-19.36
Товарно материальные запасы ₹													-73.31				-108.66				73.4

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
EPS			8.22	13.05	22.57	38.19	17.85	21.74	22.86	22.86
Цена акции ао		666.8	622.1	803.1	852.6	1036.5	654.45	787.4	552.35	552.35
Число акций ао, млн	667.5	667.5	667.5	667.5	667.5	667.5	633.12	656.91	671.46	671.46
FCF/акцию	-29.25	-11.28	35.05	10.82	8.5	73.63	103.72	78.97	33.68	33.68

	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS									4.28	5.24	5.87	6.34	5.8	5.98	5.58	5.52	6.74	7.65
Цена акции ао						1195.35	1163.18	1237.28	1143.73	619.32	629.09	613.69	713.37	737.09	722.46
Число акций ао, млн	667.5	667.5	667.5	667.5	667.5		667.5				667.5				672.49
FCF/акцию	-2.82	8.76	2.7	2.13								0.3099

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	24.7	42.14	12.8	12.07	15.42	18.66	16.39	15.44	13.04		13.04	16.88
ROA, %	3.94	8.58	1.55	1.17	1.6	2.27	1.87	1.79	1.54		1.54	4.26
ROIC, %	4.33	9.49	1.76	2.63	3.55	6.77	7.24	7.54			7.54	9.45
ROS, %		99.48	24.42	21.14	25.79	30.66	26.72	26.15	22.23	22.23	22.23	54.68
ROCE, %	75.68	82.89	55.68	16.39	18.86	21.58	2.11	2.08	2.53		2.53	8.84
Рентаб EBITDA, %	113.69	196.38	110.65	32.12	34.94	38.2	37.7	37.54	32.22		32.22	61.10
Чистая рентаб, %	36.69	99.48	24.42	21.14	25.79	30.66	26.72	26.15	22.23		22.23	54.68
Operation Margin, %		195.7	106.2	28.7	31.55	35.47	31.07	30.75	37.04	37.04	37.04	57.46
Доходность FCF, %		-1.87	5.46	1.62	1.15	6.6	10.87	11.08

	2017Q4	2018Q4	2019Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %								3.56	3.39	3.88	3.87	3.4	3.7	3.32	3.15	4.15	4.46	16.88
ROA, %					0.5232	0.515	0.501		0.4399		0.4707	0.4225	0.4285	0.3807	0.3521		0.8229	4.26
ROIC, %											2.3		2.74					9.45
ROS, %								23.6	26.6	27.76	28.21	24.78	24	21.15	19.57	20.38	21.87	54.68
ROCE, %				18.16	11.44	11.3	10.36		9.01		9.66	9.02	1.15	1.05	1.07			8.84
Рентаб EBITDA, %								31.33	35.4	36.97	35.21	32.86	31.85	28.07	24.01	0.000175	29.05	61.10
Чистая рентаб, %								23.6	26.6	27.76	28.21	24.78	24	21.15	19.57	20.38	21.87	54.68
Operation Margin, %								31.33	35.4	36.97	35.21	32.86	31.85	28.07	24.01	27.12	29.05	57.46
Доходность FCF, %	1.37	0.4639	0.2847

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	47.75	146.81	116.56	72.86	63.58	36.08	26.65	24.69		24.69	36.63
P/BV	20.12	18.79	14.07	11.23	11.86	5.42	3.47	3.02		3.02	3.60
P/S	47.5	35.85	24.64	18.79	19.49	9.64	6.97	5.49		5.49	11.27
P/FCF	-53.46	18.32	61.63	86.65	15.14	9.2	9.03	21.81	21.81	21.81	8.17
E/P	0.0209	0.0068	0.0086	0.0137	0.0157	0.0187	0.0305	0.0311	0.0311	0.0311	0.09
EV/EBITDA	28.05	42.6	94.39	66.89	55.61	25.58	17.03	14.13		14.13	39.93
EV/Ebit				22.65	26.5	28.04	18.73	15.73	15.73	15.73
EV/S	55.09	47.13	30.32	23.37	21.24	9.64	6.4	4.55	4.55	4.55	13.78
EV/FCF	-62	24.09	75.84	107.74	16.5	6.21	6.73	13.9	13.9	13.9	12.23
Debt/EBITDA	4.25	11.54	20.72	16.81	7.88	5.34	4.32	2.46	2.46	2.46	17.87
Netdebt/Ebitda	3.95	4.42	11.33	7.25	1.52	0.009	-1.53	-2.9	-2.9	-2.9	-1.53
Debt/Ratio	0.7199	0.8112	0.3685	0.3646	0.2227	0.1233	0.0982	0.0501	0.0501	0.0501	0.30
Debt/Equity	3.53	6.7	3.8	3.51	1.83	1.13	0.8067	7.4	7.4	7.4	267.42
Debt/Net Income	8.39	52.31	31.49	22.77	9.82	7.54	6.2	3.57	3.57	3.57	13.96
Бета							0.4911	3.58	2.4	2.4	0.75
Индекс Альтмана	5.7	3.09	1.81	1.6	2.06	27.37	0.6318	0.5822	0.5822	0.5822	1.58

	2017Q3	2017Q4	2018Q1	2018Q3	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
P/E											17.62	19.9	106.9	26.73	32.55	30.93	32.3	24.67	28.53	29.04	36.63
P/BV									10.89	2.72		3.86	4.15	3.53	4.42	0.5504	4.23	0.3646		3.45	3.60
P/S											4.85	5.31	29.68	7.13	8.73	8.07	7.88	5.48	6.04	6.04	11.27
P/FCF		72.78			215.56	351.26															8.17
E/P		0.0019			0.0024	0.0038	0.0087		0.0039				0.0094				0.0077				0.09
EV/EBITDA										6.67		11.34		19.13	122.56	23.32	29.91	18.51		27.32	39.93
EV/Ebit																45.91	62.28	37.51
EV/S															40.27	29.25	34.96	19.53		17.9	13.78
Debt/EBITDA	50.68		39.88	31.16						21.89		4.91		16.71	14.89	10.02	10.87	12.05			17.87
Netdebt/Ebitda								2	18.08	0.0367		6.03		-5.9	24.51	-1.71	21.22	-1.97		-11.21	-1.53
Debt/Ratio	1.21		0.8112	0.6319						0.1233				0.0982	0.0834	0.0557	0.0535	0.0501			0.30
Debt/Equity	7.05		6.7	5.35						1.13				0.8067	0.6711	0.4543	0.445	0.4363			267.42
Debt/Net Income	218.12		183.97	171.3						24.61				20.85	19.74	13.3	14.43	14.78			13.96

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1748	0.1748	0.1748	0.1748	0.2644	0.3151	0.3151	0.667		0.667
Дивиденд			0.25	0.375			0.5	1	1	1
Див доход, ао, %			0.0389	0.0562	0.1037		0.0792	0.2029	0.3052	0.3052	1.37
Дивиденды / прибыль, %	7.07	2.07	5.99	4.58	3.92	2.69	2.79	2.21	4.35	4.35	18.24

	2018Q3	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2022Q3	2023Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		0.0437	0.0437	0.2644	0.0661	0.0661	0.0661	0.0661	0.3151	0.3151	0.667
Дивиденд	0.25			0.375					0.5		1
Див доход, ао, %	0.0375			0.0561					0.0807		0.1357	1.37
Дивиденды / прибыль, %		3.7	2.3	15.38	3.48	5.4	3.29	2.05	9.2	7.42	16.6	18.24

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
ebit_margin	34.94	38.51	34.39	34.15	28.96	28.96
Персонал, чел				28320	28320

	2023Q3	2023Q4	2024Q1	2024Q2	CAGR 5
ebit_margin	63.71	56.14	52.08	27.12

	CAGR 5

Investing Port

NSE: AUBANK - AU Small Finance Bank Limited

Reporting AU Small Finance Bank Limited

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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