AU Small Finance Bank Limited's Q3 FY25:
Key Financial Highlights for Q3 FY25 vs Q3 FY24: Improving Financials.
Net Interest Income (NII): 📈 grew by 53% year-over-year (YoY) to ₹2,023 Crore.
Operating Profit (PPoP): 💼 increased by 85% YoY to ₹1,205 Crore.
Profit After Tax (PAT): 🚀 grew by 41% YoY to ₹528 Crore.
Net Interest Margin (NIM): 📊 was at 5.9%, up from 5.5% in Q3 FY24.
Cost to Income Ratio: 🔧 improved, reducing by 886 basis points YoY to 54.4%.
Advances & Deposit Growth: Good Growth.
Total Deposits 💰 grew by 14.9% year-to-date (YTD) to ₹1,12,260 Crore.
Gross Loan Portfolio 📊 stood at ₹1,08,921 Crore, registering a YTD growth of 12.9%.
The Credit to Deposit ratio (CD ratio) 🔗 was at 81%.
Asset Quality: Decreased.
Gross NPA ratio 📉 increased slightly to 2.31% from 1.98% in the previous quarter.
Net NPA ratio 📉 also increased to 0.91% from 0.75%.
Provision Coverage Ratio (PCR) 🛡️ stood at 80%.
Cost and Margins: Increased cost.
Cost of Funds (CoF) 💸 increased slightly by 2 basis points during the quarter to 7.06%.
Return on Assets (RoA) 💹 for Q3 FY25 was at 1.5% and for the nine months ended at 1.6%.
Return on Equity (RoE) 💹 for Q3 FY25 was at 13.0% and for the nine months ended at 13.5%.
Valuation and Outlook:
🏷️ With the share price at ₹594, the valuation ratios indicate strong profitability and growth trajectory. Trail EPS is 27.09 which gives Trail PE at 22. F_EPS assumed at 30.6 and F-PE comes to 19 which is favourable valuations.
🌟 The near-term outlook seems positive with continued focus on managing CoF and operational efficiency.
🌐 In the long-term, the bank's strategic focus on secured loans and integration of services post-merger suggests a robust growth path, although the unsecured segment poses credit risk concerns.
These insights provide a comprehensive overview of AU Bank's current financial health and strategic positioning, aiding investment decision-making for both short-term and long-term perspectives.
Class Sessions
1- IREDA’s latest quarterly results
2- Patanjali's Q2 FY25 financials
3- United Breweries Limited - Detailed Q2 FY25 Consolidated Financial Analysis
4- HDFC LIFE Q1 FY 2025
5- DMart Q1 FY 2025
6- HDFC LIFE Q1 FY 2025
7- Bajaj Auto Q1 FY24 Analysis
8- IREDA Q1 FY 2024
9- TCS Q1 FY 2025
10- HDFC Asset Management Company (HDFC AMC) Q1 FY25 Analysis
11- BAJAJ FINANCE | BEL | VOLTAS | LT | MARUTI SUZUKI Q3 Result Update 2024
12- How do you Analyse NBFC companies?
13- Which company is best for home appliances?
14- Who is No 1 construction company in India?
15- Aerospace & Defense Industry
16- Passenger Vehicle Market Share
17- Which is the No 1 small finance bank in India?
18- What is the position of steel market in India?
19- Tyres & Rubber Products INDUSTRY
20- Computers-Software & Consulting_q3_fy24
21- Which is the best stock in Consumer Food? Watch Now
22- Auto Sector Vehicle January Data
23- Telecom Industry in India: Sector Overview
24- Comparision: Reliance Retail | Dmart | ShoppersStop | Spencer | Vmart
25- ICICI GI, Supreme Industry, Asian Paint & Ultratech Cement | Q3 FY2024 Result Update
26- TCS, Dmart, HDFC AMC & HDFC LIFE Q3 FY2024 Result Update
27- LTTS, MAPMYINDIA, HDFC BANK Q3 FY2024 Result Update
28- Hospital Industry Analysis
29- Industry Update
30- Tata Consultancy Services Ltd Q4 Result Update 2023
31- Ultratech Cement Latest News | Q4 Result 2023
32- Q4 Result 2023
33- Q3 Result Update 2023
34- Q3 2021-22 RESULT UPDATE Video Updated
35- Q3 2021-22 RESULT UPDATE Video Updated - Part 2
36- Q2 2021-22 RESULT UPDATE Video Updated
37- Q2 2021-22 RESULT UPDATE Video Updated Part 2
38- Result Updated Video
39- Student Page Video
40- Live Query Sessions Video Updated
41- TCS's Q3 FY25: (Leading Company from Computers - Software & Consulting Industry)
42- TATAELXSI's Q3 FY25:
43- IREDA's Q3 FY25:
44- Avenue Supermarts Limited's (DMart) financial results for the third quarter ended December 31, 2024:
45- HDFC Asset Management Company's financial results for Q3 FY25:
46- HDFC Life Q3 FY25 Analysis 📊
47- L&T Technology Services Q3 FY25
48- Havells Q3 FY25 Analysis 📊
49- Reliance Industries' Financial Results for Q3 FY25 📊
50- ICICI Lombard's performance for Q3 FY25”
51- Q3 FY25 Supreme Industries Ltd. 📊
52- Indian Railway Finance Corporation Limited (IRFC) for Q3 FY25:
53- Zomato's Q3 FY25 financial results:
54- Dixon Technologies (India) Ltd. Q3 FY25 Results 📊
55- HDFC BANK Q3 FY25 Results 📊
56- Hindustan Unilever Q3 FY25 Results 📊
57- Pidilite Industries Limited's Q3 FY25:
58- UltraTech Cement Limited for the third quarter (Q3) and the first nine months (9MFY) of the financial year 2025:
59- Indian Energy Exchange (IEX) Q3 FY25:
60- AU Small Finance Bank Limited's Q3 FY25:
61- Indigo Airlines' performance for Q3 FY25: Overview: 🚀
62- Balkrishna Industries Q3 FY25 Performance Analysis 📊
63- CDSL's financial results for Q3 FY25: Key Insights and Highlights
64- EMS Limited's financial results for Q3 FY25:
65- JSW Steel's Q3 FY25 financial performance:
66- Wonderla Holidays Limited Q3 FY25 Analysis 📊
67- Bajaj Housing Finance's latest results for Q3 FY25;
68- Route Mobile's latest financial results for Q3 FY25:
69- Bajaj Auto Q3 FY25 Consolidated Financial Analysis:
70- Maruti Suzuki India Limited (MSIL) - Q3 FY25 Financial Highlights and Analysis 📊
71- Q3 FY25 results for C.E. Info Systems Limited (MapMyIndia)
72- Bajaj Finance's Q3 FY25: 📊
73- Voltas' Q3 FY25 financial results:
74- 📢 BEL Q3 FY25 Results – Key Insights & Analysis 🚀
75- 📊 Waaree Energies Q3 FY25 and 9M FY25 Performance Analysis 🚀
76- 📊 Dr Lal PathLabs - Q3 FY25 & 9M FY25 Financial Analysis & Insights 🚀
77- Larsen & Toubro Q3 FY 25: 🚀📊📈
78- 📊 Analysis of Tata Consumer Products Q3 FY25 & 9M FY25 Results 📈
79- 📊 Manyavar (Vedant Fashions Ltd.) Q3 FY25 Earnings
80- Nestlé India Q3 FY25 results:
81- 📢 Divis Laboratories Q3 FY25 & 9M FY25 Results - 📊💡
82- 🎨 Asian Paints Q3 FY25 & 9M FY25 Financial Analysis & Insights 📊
83- 📊 Godrej Properties Q3 FY25 Analysis 🏗️
84- 📊 Kajaria Ceramics Q3 FY25 Analysis 📊
85- 📊 Titan Q3 FY25 & 9M FY25 Performance Analysis 🔥🚀
86- 🚀 InfoEdge Q3FY25 Results Analysis & Insights 📊
87- 📊 Page Industries Q3 FY25 Analysis & Investment Insights 🏭📈
88- 📢 SBI Q3FY25 Earnings Analysis & Insights 📊🏦
89- 📊 PI Industries Q3 FY25 Results - Analysis & Insights 🔍
90- 🚀 Amara Raja Batteries (ARE&M) Q3 FY25 Results Analysis and Insights 📊
91- 📊 Affle (India) Limited Q3 & 9M FY2025 Earnings Analysis & Insights 🚀
92- 📊 Patanjali Foods Limited Q3 FY25 Financial Analysis & Key Insights 🚀
93- 📊 Apollo Hospitals Q3FY25 & 9MFY25 Financial and Operational Analysis
94- 🚄 IRCTC Q3FY25 Earnings Analysis & Insights 📊💡
95- 🎯 Jubilant FoodWorks Q3FY25 & 9MFY25 Key Highlights 🚀🔥
96- 📊 UBL Q3 FY25 & 9M FY25 Performance Analysis – Investor Insights 💹
97- 🚢 Mazagon Dock Shipbuilders: Q3FY25 & 9MFY25 Analysis
98- 📈 TCS FY25 Results: Muted CC Growth, Hence Low Sales & Profit Growth in Headwind Environment, but valuations near to favourable.
99- 🔋 IREDA Q4FY25 Results: Powered by Growth, Poised for the Future
100- 📊 ICICI Lombard General Insurance – FY25 & Q4 FY25 Results Update
101- 🔍 HDFC AMC Q4FY25 & FY25 Results: Strong Performance, Robust Growth & Healthy Margins
102- 📈 HDFC Life FY25 Results: Strong Growth, Steady Profits & Enhanced Market Position
103- 📊 Tata Elxsi Q4FY25 & FY25 Review: Growth Foundations Amidst Headwinds
104- 🔍 HDFC Bank – FY25 & Q4FY25 Results Highlights
105- 📊 Havells FY25 Results Analysis: Robust Growth with Strategic Resilience
106- Waaree Energies Ltd. (WAAREEENER) FY25 Results Update & Investor Insights
107- 📊 AU Small Finance Bank Q4 & FY25 Results – Growth Anchored by Profitability & Prudent Risk Management
108- Bajaj Housing Finance Ltd. – FY25 Financial Performance Highlights and Analysis
109- Tata Consumer FY25 & Q4FY25 Summary: Strong Growth with Margin Recovery on the Horizon
110- L&T Technology Services (LTTS) Q4 FY25 & FY25 Results Analysis
111- Hindustan Unilever Limited (HUL) FY25 & Q4FY25 Results Update
112- 📊 Nestlé India Limited – FY25 & Q4FY25 Results Analysis
113- 📊 IEX FY25 and Q4FY25 Results Analysis
114- Supreme Industries Limited – FY25 Financial Results Update
115- Maruti Suzuki FY25 Results Update: Key Insights and Strategic Highlights
116- Reliance Industries Limited – FY25 Results Update
117- UltraTech Cement FY25 Results Update: Driving Consolidated Growth Amidst Strategic Expansions
118- Bajaj Finance Limited – Q4FY25 and FY25 Financial Results Update
119- 📊 Eternal Limited – Q4FY25 & FY25 Financial and Strategic Performance Update
120- 🏢 Godrej Properties Q4 & FY25 Result Analysis: Booking Boom & Financial Resilience
121- 🧾 DMart Q4 FY25 & FY25 Result Highlights – Resilient Growth Amid Operational Pressures
122- 📊 CDSL Q4 & FY25 Result Analysis
123- 📊 Kajaria Ceramics Q4 FY25 Results Analysis 📈
124- Manyavar (Vedant Fashions Limited) Q4 FY25 Financial Analysis
125- Wonderla Holidays Q4FY25 & FY25 Financial Analysis: Strong Footfalls Despite Market Headwinds
126- 📊 Voltas Q4 FY25 Financial Analysis: Detailed Investor Insights
127- 📊 Route Mobile Q4 FY25 & FY25 Financial Analysis
128- United Breweries Limited (UBL) Q4 FY25 Financial Analysis
129- Asian Paints Q4 FY25 Financial Analysis: Detailed Investor Insights
130- Pidilite Industries Q4 FY25 Financial Analysis
131- Larsen & Toubro (L&T) Q4 FY25 & FY25 Financial Analysis
132- 📊 Titan Company Ltd. Q4 FY25 & FY25 Financial Performance Analysis
133- Affle 3I Q4 & FY25 Results: Strong Growth
134- Divi's Laboratories Q4 & FY25 Results: ₹2,209 Cr Profit, ₹30 Dividend, CMP ₹6,539 | Long-Term Outlook & Valuation
135- ITC Hotels Q4 & FY25 Results: 73% Profit Growth | ₹202 CMP Valuation & Expansion Outlook
136- Patanjali Foods Q4 FY25 Results: 70% PAT Growth | Highest Ever Revenue Achieved
137- Jubilant FoodWorks Q4 & FY25 Results: Delivery Growth, Store Expansion & Financial Insights
138- 🚗 MapmyIndia Q4 FY25 & FY25 Results: Strong Momentum in Tech & Mobility
139- 🧾 Page Industries Q4 & FY25 Result Update Brand:
140- 🇮🇳 Bharat Electronics Ltd – Q4 & FY25 Financial Results & Investor Insights 🔍
141- 🔬 PI Industries Ltd – Q4 & FY25 Results Review | Growth, Margins, and Outlook
142- 📊 Dixon Technologies (India) Ltd – Q4 FY25 & FY25 Financial Results Analysis
143- 🧬 Dr. Lal PathLabs Q4 & FY25 Results: Strategic Growth Beyond Metro Markets
144- 🛫 IndiGo Q4 FY25 Results: Record Profits, Rising Passengers & Strong Outlook
145- 🚜 Balkrishna Industries Ltd – Q4 & FY25 Results Update: Strong Long-Term Strategy Despite Soft Q4
146- Info Edge (India) Ltd. Q4 FY25 & FY25 Results Analysis: Detailed Investor Insights
147- 📊 Bajaj Auto Q4 FY25 & FY25 Financial Highlights: Growth, Resilience, & Green Momentum
148- IRCTC Q4 & FY25 Results: Insights for Investors
149- 🚢 Mazagon Dock Q4 & FY25 Results:
150- 🏥 Apollo Hospitals FY25 Results: Strong Performance Backed by Expansion Plans
151- United Breweries Ltd (UBL) Q4 & FY25 Results Analysis: Brewing Growth with Consistency