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 asset allocation strategy of AU Small Finance Bank Limited to assess the company's strategic physical and investment asset allocation.
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. See how liquid is AU Small Finance Bank Limited's working capital to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see AU Small Finance Bank Limited market cap and net worth.
| 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 | — |