AU Small Finance Bank Limited (AUBANK) - Net Assets

Latest as of March 2026: Rs199.74 Billion INR ≈ $2.16 Billion USD

Based on the latest financial reports, AU Small Finance Bank Limited (AUBANK) has net assets worth Rs199.74 Billion INR (≈ $2.16 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.92 Trillion ≈ $20.74 Billion USD) and total liabilities (Rs1.72 Trillion ≈ $18.58 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. Also explore AUBANK asset base for the complete picture of this company's asset base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs199.74 Billion
% of Total Assets	10.41%
Annual Growth Rate	34.07%
5-Year Change	165.82%
10-Year Change	898.9%
Growth Volatility	21.35

AU Small Finance Bank Limited - Net Assets Trend (2013–2026)

This chart illustrates how AU Small Finance Bank Limited's net assets have evolved over time, based on quarterly financial data. Check AU Small Finance Bank Limited tangible book value ratio to evaluate the tangible quality of the company's equity base.

Annual Net Assets for AU Small Finance Bank Limited (2013–2026)

The table below shows the annual net assets of AU Small Finance Bank Limited from 2013 to 2026. For live valuation and market cap data, see market value of AU Small Finance Bank Limited.

Year	Net Assets	Change
2026-03-31	Rs199.74 Billion ≈ $2.16 Billion	+16.35%
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	--

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 decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (March 2026)

Component	Amount	Percentage
Common Stock	Rs7.48 Billion	3.75%
Other Components	Rs192.25 Billion	96.25%
Total Equity	Rs199.74 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
Orion Oyj B HE:ORNBV	$8.48 Billion
DISCOVERY LTD(UNSP.ADR)/3 F:D3H0	$8.48 Billion
Hengyi Petrochemical Co Ltd SHE:000703	$8.48 Billion
Frontline Ltd NYSE:FRO	$8.49 Billion
Primerica Inc NYSE:PRI	$8.48 Billion
UNICHARM CORP. SP.ADR 1 F:UN41	$8.48 Billion
Biomerieux SA PA:BIM	$8.48 Billion
Alpha Services and Holdings S.A. AT:ALPHA	$8.47 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 2025 to 2026, total equity changed from 171,662,817,000 to 199,735,220,000, a change of 28,072,403,000 (16.4%).
Net income of 26,412,543,000 contributed positively to equity growth.
Dividend payments of 745,193,000 reduced retained earnings.
New share issuances of 1,812,085,000 increased equity.
Other comprehensive income decreased equity by 39,725,600,000.
Other factors increased equity by 40,318,568,000.

Equity Change Factors (2025 to 2026)

Factor	Impact	Contribution
Net Income	Rs26.41 Billion	+13.22%
Dividends Paid	Rs745.19 Million	-0.37%
Share Issuances	Rs1.81 Billion	+0.91%
Other Comprehensive Income	Rs-39.73 Billion	-19.89%
Other Changes	Rs40.32 Billion	+20.19%
Total Change	Rs-	16.35%

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: 3.91x
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 158.21x to 3.91x 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	Rs1047.30	x
2014-03-31	Rs8.96	Rs1047.30	x
2015-03-31	Rs11.48	Rs1047.30	x
2016-03-31	Rs17.15	Rs1047.30	x
2017-03-31	Rs29.96	Rs1047.30	x
2018-03-31	Rs39.05	Rs1047.30	x
2019-03-31	Rs53.44	Rs1047.30	x
2020-03-31	Rs72.38	Rs1047.30	x
2021-03-31	Rs101.48	Rs1047.30	x
2022-03-31	Rs118.68	Rs1047.30	x
2023-03-31	Rs167.11	Rs1047.30	x
2024-03-31	Rs187.05	Rs1047.30	x
2025-03-31	Rs230.20	Rs1047.30	x
2026-03-31	Rs267.70	Rs1047.30	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): 13.22%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 12.22%
• Asset Turnover: 0.11x
• Equity Multiplier: 9.60x
Recent ROE (13.22%) is below the historical average (16.90%), 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
2026	13.22%	12.22%	0.11x	9.60x	Rs6.44 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: $138,409,900,556
Average return on equity (ROE) among peers: 6.05%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
AU Small Finance Bank Limited (AUBANK)	Rs199.74 Billion	15.70%	8.60x	$8.48 Billion
Bandhan Bank Limited (BANDHANBNK)	$174.08 Billion	12.67%	5.61x	$3.03 Billion
Bank of Baroda (BANKBARODA)	$218.99 Billion	20.25%	15.72x	$13.57 Billion
Bank of India (BANKINDIA)	$369.16 Billion	-16.15%	15.66x	$6.79 Billion
Canara Bank (CANBK)	$205.51 Billion	19.63%	15.50x	$12.26 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$797.74 Million	13.30%	16.63x	$142.86 Million
Central Bank of India (CENTRALBK)	$194.39 Billion	-28.98%	16.07x	$3.03 Billion
CSB Bank Limited (CSBBANK)	$19.61 Billion	0.65%	8.62x	$604.65 Million
City Union Bank Limited (CUB)	$12.43 Billion	22.54%	13.76x	$1.66 Billion
DCB Bank Limited (DCBBANK)	$50.71 Billion	10.57%	11.43x	$648.13 Million

About AU Small Finance Bank Limited

NSE:AUBANK India Banks - Regional

Market Cap

$8.48 Billion

Rs783.76 Billion INR

Market Cap Rank

#2494 Global

#103 in India

Share Price

Rs1047.30

Change (1 day)

+1.61%

52-Week Range

Rs694.30 - Rs1072.10

All Time High

Rs1072.10