AU Small Finance Bank Limited — Q4 FY25
AU Small Finance Bank delivered a resilient performance in FY25 despite a challenging macro environment.
neutral
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY25
FY25 loan growth of ~20%
Total loan portfolio expected to grow around 20% for FY25, with secured assets growing 23%-24% and continued degrowth in MFI and credit cards.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
FY25 cost-to-income ratio of 57%-58%
Full-year cost-to-income ratio expected to be 57%-58%, with Q4 seasonally higher expenses.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
FY25 ROA guidance of 1.6%
Despite elevated credit costs, the bank expects to be within striking range of 1.6% ROA for FY25.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
Cost of funds guided to 7.10%-7.15% for FY25
Even after recent rate hikes on savings and FD, cost of funds expected at lower end of guided range.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1