AU Small Finance Bank Limited Q1 FY26 earnings call summary

Earnings call of 19 Jul 2025, summarised by AI from the filing.

AU Small Finance Bank reported Q1 FY26 PAT of ₹581 cr, up 16% Y-o-Y, with ROA at 1.5% and NIM at 5.4%.

Key takeaways

1. PAT ₹581 cr, up 16% from Q1 last year; ROA 1.5% despite margin pressure and elevated credit cost.
2. ROA guidance 1.8% ROA for FY27 reiterated; no ROA guidance for FY26.
3. NIM Declined 38 bps to 5.4% in Q1; Q2 expected to be bottom, recovery from Q3.
4. MFI stress Collection efficiency dropped to 98.3%, pushing recovery by a quarter; credit cost raised.

Original filing on BSE

AU Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹5,303 cr, EBITDA ₹375 cr, PAT ₹796 cr, EBITDA margin 7.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹5,019 cr, EBITDA ₹351 cr, PAT ₹832 cr, EBITDA margin 7.0%. Not scored. Bank result format: not scored yet. Share price after the results: −3.6% in 30 days (Nifty 500: +0.6%).
• Q3 FY26: Revenue ₹4,727 cr, EBITDA ₹160 cr, PAT ₹668 cr, EBITDA margin 3.4%. Not scored. Bank result format: not scored yet. Share price after the results: +1.6% in 30 days (Nifty 500: +1.5%).
• Q2 FY26: Revenue ₹4,511 cr, EBITDA ₹16.4 cr, PAT ₹561 cr, EBITDA margin 0.4%. Not scored. Bank result format: not scored yet. Share price after the results: +12.4% in 28 days (Nifty 500: +1.0%).
• Q1 FY26: Revenue ₹4,378 cr, EBITDA −₹31.6 cr, PAT ₹581 cr, EBITDA margin -0.7%. Not scored. Bank result format: not scored yet. Share price after the results: −4.2% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹4,271 cr, EBITDA −₹104 cr, PAT ₹504 cr, EBITDA margin -2.4%. Not scored. Bank result format: not scored yet. Share price after the results: +12.3% in 30 days (Nifty 500: +2.3%).
• Q3 FY25: Revenue ₹4,113 cr, EBITDA ₹84.6 cr, PAT ₹528 cr, EBITDA margin 2.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹3,911 cr, EBITDA ₹121 cr, PAT ₹571 cr, EBITDA margin 3.1%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

AU Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (25 Jul 2026), Results deck (25 Jul 2026), Results press release (25 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results deck (27 Apr 2026), Results press release (27 Apr 2026)
• Q3 FY26: Earnings call (20 Jan 2026), Results deck (20 Jan 2026), Results deck (20 Jan 2026), Results press release (20 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (19 Jul 2025), Results deck (19 Jul 2025), Results press release (19 Jul 2025)
• Q4 FY25: Earnings call (22 Apr 2025), Results deck (22 Apr 2025), Results press release (22 Apr 2025)
• Other events: Strategy deck (24 Sep 2026), Strategy deck (24 Sep 2026), Strategy deck (1 Sep 2025)