Stock Report

AU Small Finance Bank Ltd Q3 FY2024-25 net profit at Rs. 528.44 crores

Posted On : 2025-01-27 20:07:31( TIMEZONE : IST )

AU Small Finance Bank Limited has reported Standalone financial results for the period ended December 31, 2024.

Financial Results (Q3 FY2025) - QoQ Comparison

The company has reported total income of Rs. 4731.8852 crores during the period ended December 31, 2024 as compared to Rs. 4548.5769 crores during the period ended September 30, 2024.

The company has posted net profit / (loss) of Rs. 528.4463 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs. 571.2104 crores for the period ended September 30, 2024.

The company has reported EPS of Rs. 7.08 for the period ended December 31, 2024 as compared to Rs. 7.65 for the period ended September 30, 2024.

Financials	Q3 FY2025	Q2 FY2025	% Change
Total Income	₹ 4731.8852 crs	₹4548.5769 crs	4.03%
Net Profit	₹528.4463 crs	₹571.2104 crs	-7.49%
EPS	₹7.08	₹7.65	-7.45%

Financial Results (Q3 FY2025) - YoY Comparison

The company has reported total income of Rs. 4731.8852 crores during the period ended December 31, 2024 as compared to Rs.3178.0546 crores during the period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.528.4463 crores for the period ended December 31, 2024 as against net profit / (loss) of Rs.375.2479 crores for the period ended December 31, 2023.

The company has reported EPS of Rs.7.08 for the period ended December 31, 2024 as compared to Rs.5.58 for the period ended December 31, 2023.

Financials	Q3 FY2025	Q3 FY2024	% Change
Total Income	₹ 4731.8852 crs	₹3178.0546 crs	48.89%
Net Profit	₹528.4463 crs	₹375.2479 crs	40.83%
EPS	₹7.08	₹5.58	26.88%

Financial Results (9 Months Ended FY2025) - YoY Comparison

The company has reported total income of Rs.13558.7749 crores during the 9 Months period ended December 31, 2024 as compared to Rs.8881.3443 crores during the 9 Months period ended December 31, 2023.

The company has posted net profit / (loss) of Rs.1602.2280 crores for the 9 Months period ended December 31, 2024 as against net profit / (loss) of Rs.1163.9790 crores for the 9 Months period ended December 31, 2023.

The company has reported EPS of Rs.21.47 for the 9 Months period ended December 31, 2024 as compared to Rs.17.32 for the 9 Months period ended December 31, 2023.

Financials	9 Months Ended FY2025	9 Months Ended FY2024	% Change
Total Income	₹13558.7749 crs	₹8881.3443 crs	52.67%
Net Profit	₹1602.2280 crs	₹1163.9790 crs	37.65%
EPS	₹21.47	₹17.32	23.96%

Asset Quality:

Asset Quality	Q3 FY2025	Q2 FY2025	Q3 FY2024
Gross NPA	₹2335.124 crs	₹1901.6888 crs	₹1339.6827 crs
Gross NPA %	2.31%	1.98%	1.98%
Net NPA	₹905.5973 crs	₹706.6955 crs	₹456.1578 crs
Net NPA %	0.91%	0.75%	0.68%

Gross NPA was at ₹ 2335.124 crs in Q3 FY2025 against ₹ 1339.6827 crs in Q3 FY2024. The same was at ₹ 1901.6888 crs in Q2 FY2025.

Net NPA was at ₹ 905.5973 crs in Q3 FY2025 against ₹ 456.1578 crs in Q3 FY2024. The same was at ₹ 706.6955 crs in Q2 FY2025.

GNPA was at 2.31% of Gross advances as on December 31, 2024 as compared to 1.98% as on December 31, 2023 and 1.98% as of September 30, 2024.

Net NPA was at 0.91% of Gross advances as on December 31, 2024 as compared to 0.68% as on December 31, 2023 and 0.75% as of September 30, 2024.

Ratios	Q3 FY2025	Q2 FY2025	Q3 FY2024
RoA %	0.37%	0.43%	0.38%
CAR (BASEL III) %	18.01%	18.51%	20.82%

Return on Average Assets (RoA) is at 0.37% for Q3 FY2025 against 0.43% in Q2 FY2025 and 0.38% in Q3 FY2024.

In Q3 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 18.01%, as compared to 18.51% in Q2 FY2025 and 20.82% in Q3 FY2024.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 593.80 as compared to the previous close of Rs. 581.95. The total number of shares traded during the day was 125706 in over 4668 trades.

The stock hit an intraday high of Rs. 608.35 and intraday low of 568.00. The net turnover during the day was Rs. 73674003.00.