AU Small Finance Bank Limited (AUBANK) — Financial Flexibility Index
AU Small Finance Bank Limited (AUBANK) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-70.41 Billion (operating CF Rs-75.84 Billion minus capex Rs5.43 Billion) represents 0% of total liabilities (Rs1.47 Trillion). Check AU Small Finance Bank Limited cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
AU Small Finance Bank Limited Financial Flexibility Index (2013–2026)
Historical Financial Flexibility Index trend for AU Small Finance Bank Limited across 14 annual periods. For the full cash flow conversion analysis, see AUBANK cash flow metrics.
Annual Financial Flexibility Index for AU Small Finance Bank Limited (2013–2026)
Year-by-year free cash flow to debt coverage for AU Small Finance Bank Limited. Explore AUBANK cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.02x | Rs26.37 Billion | Rs18.29 Billion | Rs1.72 Trillion | ▲ +110.4% |
| 2025 | -0.15x | Rs-208.38 Billion | Rs-211.02 Billion | Rs1.41 Trillion | ▲ +3.5% |
| 2024 | -0.15x | Rs-148.63 Billion | Rs-152.09 Billion | Rs968.66 Billion | ▼ -309.6% |
| 2023 | 0.07x | Rs58.00 Billion | Rs54.94 Billion | Rs792.39 Billion | ▼ -36.8% |
| 2022 | 0.12x | Rs71.31 Billion | Rs68.49 Billion | Rs615.64 Billion | ▲ +1.0% |
| 2021 | 0.11x | Rs51.97 Billion | Rs50.56 Billion | Rs453.16 Billion | ▲ +476.2% |
| 2020 | 0.02x | Rs7.52 Billion | Rs6.60 Billion | Rs377.66 Billion | ▼ -39.8% |
| 2019 | 0.03x | Rs9.73 Billion | Rs8.48 Billion | Rs294.60 Billion | ▼ -79.5% |
| 2018 | 0.16x | Rs26.70 Billion | Rs25.05 Billion | Rs165.52 Billion | ▲ +629.0% |
| 2017 | -0.03x | Rs-2.38 Billion | Rs-4.96 Billion | Rs78.18 Billion | ▲ +91.6% |
| 2016 | -0.36x | Rs-19.24 Billion | Rs-19.38 Billion | Rs52.72 Billion | ▼ -58.8% |
| 2015 | -0.23x | Rs-7.38 Billion | Rs-7.47 Billion | Rs32.13 Billion | ▲ +4.3% |
| 2014 | -0.24x | Rs-5.67 Billion | Rs-5.70 Billion | Rs23.61 Billion | ▲ +30.8% |
| 2013 | -0.35x | Rs-9.27 Billion | Rs-9.31 Billion | Rs26.71 Billion | — |