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AU Small Finance Bank Limited Q4 FY26 earnings call summary

NSE: AUBANK · BSE: 540611

Earnings call of 27 Apr 2026, summarised by AI from the filing.

AU Small Finance Bank Q4 FY26 profit ₹832 cr, up 65% YoY, ROA 1.8%; guides to maintain 1.8% ROA for next year.

Key takeaways

  1. Q4 profit Profit after tax ₹832 cr, up 25% QoQ and 65% YoY; ROA 1.8% for the quarter.
  2. ROA guidance Goal to maintain or achieve 1.8% ROA on a full-year basis for next year.
  3. Cost of funds Q4 cost of funds 6.49%, down 12 bps QoQ; may have bottomed with rate increases taken.
  4. AI platform First AI-native loan origination system went live last week for gold loan business.

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

Figures from the company's filings with NSE and BSE. Not investment advice.