AU Small Finance Bank Limited (AUBANK) - Net Assets
Based on the latest financial reports, AU Small Finance Bank Limited (AUBANK) has net assets worth Rs190.85 Billion INR (≈ $2.06 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.74 Trillion ≈ $18.82 Billion USD) and total liabilities (Rs1.55 Trillion ≈ $16.76 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check AUBANK cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs190.85 Billion |
| % of Total Assets | 10.97% |
| Annual Growth Rate | 35.66% |
| 5-Year Change | 173.56% |
| 10-Year Change | 1615.49% |
| Growth Volatility | 21.47 |
AU Small Finance Bank Limited - Net Assets Trend (2013–2025)
This chart illustrates how AU Small Finance Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore AU Small Finance Bank Limited (AUBANK) total assets for the complete picture of this company's asset base.
Annual Net Assets for AU Small Finance Bank Limited (2013–2025)
The table below shows the annual net assets of AU Small Finance Bank Limited from 2013 to 2025. For live valuation and market cap data, see AU Small Finance Bank Limited market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs171.66 Billion ≈ $1.86 Billion |
+36.68% |
| 2024-03-31 | Rs125.60 Billion ≈ $1.36 Billion |
+14.41% |
| 2023-03-31 | Rs109.77 Billion ≈ $1.19 Billion |
+46.09% |
| 2022-03-31 | Rs75.14 Billion ≈ $812.61 Million |
+19.74% |
| 2021-03-31 | Rs62.75 Billion ≈ $678.64 Million |
+43.37% |
| 2020-03-31 | Rs43.77 Billion ≈ $473.34 Million |
+38.38% |
| 2019-03-31 | Rs31.63 Billion ≈ $342.05 Million |
+38.65% |
| 2018-03-31 | Rs22.81 Billion ≈ $246.70 Million |
+14.08% |
| 2017-03-31 | Rs20.00 Billion ≈ $216.24 Million |
+99.82% |
| 2016-03-31 | Rs10.01 Billion ≈ $108.22 Million |
+30.56% |
| 2015-03-31 | Rs7.66 Billion ≈ $82.89 Million |
+28.22% |
| 2014-03-31 | Rs5.98 Billion ≈ $64.64 Million |
+35.28% |
| 2013-03-31 | Rs4.42 Billion ≈ $47.79 Million |
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Equity Component Analysis
This analysis shows how different components contribute to AU Small Finance Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5341.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs71.19 Billion | 41.47% |
| Common Stock | Rs7.45 Billion | 4.34% |
| Other Comprehensive Income | Rs39.73 Billion | 23.14% |
| Other Components | Rs53.30 Billion | 31.05% |
| Total Equity | Rs171.66 Billion | 100.00% |
AU Small Finance Bank Limited Competitors by Market Cap
The table below lists competitors of AU Small Finance Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Murphy USA Inc
NYSE:MUSA
|
$8.25 Billion |
|
Steel Authority of India Limited
NSE:SAIL
|
$8.25 Billion |
|
Lotus Bakeries
BR:LOTB
|
$8.25 Billion |
|
Zoomlion Heavy Industry Science and Technology Co Ltd
SHE:000157
|
$8.26 Billion |
|
Bharti Hexacom Ltd
NSE:BHARTIHEXA
|
$8.21 Billion |
|
FSN E-Commerce Ventures Limited
NSE:NYKAA
|
$8.20 Billion |
|
U-Haul Holding Company
NYSE:UHAL-B
|
$8.20 Billion |
|
Vaxcyte Inc
NASDAQ:PCVX
|
$8.19 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in AU Small Finance Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 125,595,315,000 to 171,662,817,000, a change of 46,067,502,000 (36.7%).
- Net income of 21,059,266,000 contributed positively to equity growth.
- Dividend payments of 743,159,000 reduced retained earnings.
- Share repurchases of 613,090,000 reduced equity.
- New share issuances of 613,090,000 increased equity.
- Other comprehensive income increased equity by 11,538,592,000.
- Other factors increased equity by 14,212,803,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs21.06 Billion | +12.27% |
| Dividends Paid | Rs743.16 Million | -0.43% |
| Share Repurchases | Rs613.09 Million | -0.36% |
| Share Issuances | Rs613.09 Million | +0.36% |
| Other Comprehensive Income | Rs11.54 Billion | +6.72% |
| Other Changes | Rs14.21 Billion | +8.28% |
| Total Change | Rs- | 36.68% |
Book Value vs Market Value Analysis
This analysis compares AU Small Finance Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 4.41x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 153.47x to 4.41x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | Rs6.62 | Rs1015.95 | x |
| 2014-03-31 | Rs8.96 | Rs1015.95 | x |
| 2015-03-31 | Rs11.48 | Rs1015.95 | x |
| 2016-03-31 | Rs17.15 | Rs1015.95 | x |
| 2017-03-31 | Rs29.96 | Rs1015.95 | x |
| 2018-03-31 | Rs39.05 | Rs1015.95 | x |
| 2019-03-31 | Rs53.44 | Rs1015.95 | x |
| 2020-03-31 | Rs72.38 | Rs1015.95 | x |
| 2021-03-31 | Rs101.48 | Rs1015.95 | x |
| 2022-03-31 | Rs118.68 | Rs1015.95 | x |
| 2023-03-31 | Rs167.11 | Rs1015.95 | x |
| 2024-03-31 | Rs187.05 | Rs1015.95 | x |
| 2025-03-31 | Rs230.20 | Rs1015.95 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently AU Small Finance Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.27%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.33%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 9.20x
- Recent ROE (12.27%) is below the historical average (17.18%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 15.70% | 17.29% | 0.13x | 7.04x | Rs251.72 Million |
| 2014 | 12.14% | 12.97% | 0.19x | 4.95x | Rs127.65 Million |
| 2015 | 18.19% | 20.62% | 0.17x | 5.19x | Rs628.05 Million |
| 2016 | 24.70% | 24.00% | 0.16x | 6.27x | Rs1.47 Billion |
| 2017 | 41.11% | 39.33% | 0.21x | 4.91x | Rs6.22 Billion |
| 2018 | 12.80% | 13.55% | 0.11x | 8.26x | Rs639.21 Million |
| 2019 | 12.07% | 11.19% | 0.10x | 10.31x | Rs655.18 Million |
| 2020 | 15.42% | 13.51% | 0.12x | 9.63x | Rs2.37 Billion |
| 2021 | 18.66% | 18.37% | 0.12x | 8.22x | Rs5.43 Billion |
| 2022 | 15.04% | 16.34% | 0.10x | 9.19x | Rs3.78 Billion |
| 2023 | 13.01% | 15.45% | 0.10x | 8.22x | Rs3.30 Billion |
| 2024 | 12.22% | 12.52% | 0.11x | 8.71x | Rs2.79 Billion |
| 2025 | 12.27% | 11.33% | 0.12x | 9.20x | Rs3.89 Billion |
Industry Comparison
This section compares AU Small Finance Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $113,300,543,111
- Average return on equity (ROE) among peers: 5.41%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| AU Small Finance Bank Limited (AUBANK) | Rs190.85 Billion | 15.70% | 8.12x | $8.21 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $216.10 Billion | 10.32% | 7.23x | $3.48 Billion |
| Bank of Baroda (BANKBARODA) | $133.71 Billion | 17.83% | 16.32x | $14.73 Billion |
| Bank of India (BANKINDIA) | $245.44 Billion | 28.81% | 17.60x | $6.89 Billion |
| Canara Bank (CANBK) | $254.09 Billion | 11.69% | 15.50x | $13.21 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $1.15 Billion | 11.96% | 16.87x | $136.92 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $3.57 Billion |
| CSB Bank Limited (CSBBANK) | $8.88 Billion | -5.98% | 16.74x | $699.76 Million |
| City Union Bank Limited (CUB) | $48.41 Billion | 14.11% | 8.35x | $2.17 Billion |
| DCB Bank Limited (DCBBANK) | $1.64 Billion | -51.93% | 21.79x | $649.92 Million |
About AU Small Finance Bank Limited
AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and p… Read more