India
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Banks
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NSEI:AUBANK

AU Small Finance Bank Full Year 2025 Earnings: EPS: ₹28.32 (vs ₹22.98 in FY 2024)

July 18, 2025

Simply Wall St

AU Small Finance Bank (NSE:AUBANK) Full Year 2025 Results

Key Financial Results

Revenue: ₹87.5b (up 35% from FY 2024).
Net income: ₹21.1b (up 37% from FY 2024).
Profit margin: 24% (in line with FY 2024).
EPS: ₹28.32 (up from ₹22.98 in FY 2024).

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AUBANK Banking Performance Indicators

Net interest margin (NIM): 5.98% (up from 5.52% in FY 2024).
Cost-to-income ratio: 57.0% (down from 64.0% in FY 2024).
Non-performing loans: 2.31% (up from 1.69% in FY 2024).

revenue-and-expenses-breakdown — NSEI:AUBANK Revenue and Expenses Breakdown July 18th 2025

All figures shown in the chart above are for the trailing 12 month (TTM) period

AU Small Finance Bank Earnings Insights

The primary driver behind last 12 months revenue was the Retail Banking segment contributing a total revenue of ₹140.0b (160% of total revenue). The largest operating expense was General & Administrative costs, amounting to ₹45.5b (69% of total expenses). Explore how AUBANK's revenue and expenses shape its earnings.

Looking ahead, revenue is forecast to grow 21% p.a. on average during the next 3 years, while revenues in the Banks industry in India are expected to remain flat.

Performance of the Indian Banks industry.

The company's shares are down 3.8% from a week ago.

Balance Sheet Analysis

While earnings are important, another area to consider is the balance sheet. See our latest analysis on AU Small Finance Bank's balance sheet health.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.