Stock Report

AU Small Finance Bank Ltd Q4 FY2025 PAT slips QoQ to Rs. 503.69 crores

Posted On : 2025-04-22 20:23:56( TIMEZONE : IST )

AU Small Finance Bank Limited has reported Standalone financial results for the period ended March 31, 2025.

Financial Results (Q4 FY2025) - QoQ Comparison

The company has reported total income of Rs. 5031.2671 crores during the period ended March 31, 2025 as compared to Rs. 4731.8852 crores during the period ended December 31, 2024.

The company has posted net profit / (loss) of Rs. 503.6986 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs. 528.4463 crores for the period ended December 31, 2024.

The company has reported EPS of Rs. 6.75 for the period ended March 31, 2025 as compared to Rs. 7.08 for the period ended December 31, 2024.

Financials	Q4 FY2025	Q3 FY2025	% Change
Total Income	₹5031.2671 crs	₹4731.8852 crs	6.33%
Net Profit	₹503.6986 crs	₹528.4463 crs	-4.68%
EPS	₹6.75	₹7.08	-4.66%

Financial Results (Q4 FY2025) - YoY Comparison

The company has reported total income of Rs.5031.2671 crores during the period ended March 31, 2025 as compared to Rs.3370.5107 crores during the period ended March 31, 2024.

The company has posted net profit / (loss) of Rs.503.6986 crores for the period ended March 31, 2025 as against net profit / (loss) of Rs.370.7399 crores for the period ended March 31, 2024.

The company has reported EPS of Rs.6.75 for the period ended March 31, 2025 as compared to Rs.5.52 for the period ended March 31, 2024.

Financials	Q4 FY2025	Q4 FY2024	% Change
Total Income	₹5031.2671 crs	₹3370.5107 crs	49.27%
Net Profit	₹503.6986 crs	₹370.7399 crs	35.86%
EPS	₹6.75	₹5.52	22.28%

Financial Results (Year Ended FY2025) - YoY Comparison

The company has reported total income of Rs.18590.0420 crores during the Financial Year ended March 31, 2025 as compared to Rs.12251.8551 crores during the Financial Year ended March 31, 2024.

The company has posted net profit / (loss) of Rs.2105.9266 crores for the Financial Year ended March 31, 2025 as against net profit / (loss) of Rs.1534.7190 crores for the Financial Year ended March 31, 2024.

The company has reported EPS of Rs.28.24 for the Financial Year ended March 31, 2025 as compared to Rs.22.86 for the Financial Year ended March 31, 2024.

Financials	Year Ended FY2025	Year Ended FY2024	% Change
Total Income	₹18590.0420 crs	₹12251.8551 crs	51.73%
Net Profit	₹2105.9266 crs	₹1534.7190 crs	37.22%
EPS	₹28.24	₹22.86	23.53%

Asset Quality:

Asset Quality	Q4 FY2025	Q3 FY2025	Q4 FY2024
Gross NPA	₹2477.0299 crs	₹2335.5124 crs	₹1237.4004 crs
Gross NPA %	2.28%	2.31%	1.67%
Net NPA	₹791.3432 crs	₹905.5973 crs	₹400.9897 crs
Net NPA %	0.74%	0.91%	0.55%

Gross NPA was at ₹ 2477.0299 crs in Q4 FY2025 against ₹ 1237.4004 crs in Q4 FY2024. The same was at ₹ 2335.5124 crs in Q3 FY2025.

Net NPA was at ₹ 791.3432 crs in Q4 FY2025 against ₹ 400.9897 crs in Q4 FY2024. The same was at ₹ 905.5973 crs in Q3 FY2025.

GNPA was at 2.28% of Gross advances as on March 31, 2025 as compared to 1.67% as on March 31, 2024 and 2.31% as of December 31, 2024.

Net NPA was at 0.74% of Gross advances as on March 31, 2025 as compared to 0.55% as on March 31, 2024 and 0.91% as of December 31, 2024.

Ratios	Q4 FY2025	Q3 FY2025	Q4 FY2024
RoA %	0.34%	0.37%	0.35%
CAR (BASEL III) %	20.06%	18.01%	20.06%

Return on Average Assets (RoA) is at 0.34% for Q4 FY2025 against 0.37% in Q3 FY2025 and 0.35% in Q4 FY2024.

In Q4 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 20.06%, as compared to 18.01% in Q3 FY2025 and 20.06% in Q4 FY2024.

Shares of AU Small Finance Bank Limited was last trading in BSE at Rs. 613.30 as compared to the previous close of Rs. 627.00. The total number of shares traded during the day was 158344 in over 4073 trades.

The stock hit an intraday high of Rs. 626.95 and intraday low of 610.50. The net turnover during the day was Rs. 97847712.00.