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AU Small Finance Bank Limited AUBANK NIFTY_MIDNSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.au.bank.in
Company Profile ↓
₹954.00
+31.75% 1Y
Mkt Cap₹71,494.27 Cr
P/E25.19
P/B3.67
Div. Yield0.10%
52W High₹1,128.60
52W Low₹693.63
Book Value₹267.24
EPS (TTM)₹37.87

Company Overview

AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It offers savings, NRI, corporate salary, senior citizen, women and family, minor, current, premium banking, special offerings, RERA and escrow, collection, share capital and dividend, EXIM, institution current, government banking, Forex, SNRR, and grouping of business and personal accounts; and fixed, recurring, FCNR, and green fixed deposits. The company also provides home, car, commercial vehicle and equipment, gold, personal, two-wheeler, tractor, micro business, working capital, term, commercial vehicle, and tractor loans; loan secured by vehicle, and against FD and property; supply chain finance, renewables funding, real estate funding and project finance, and NBFC and startup funding; and trade finance, such as letter of credit, bank guarantees, buyer's credit, export credit, and Forex and hedging solutions. In addition, it offers cards and payments, including debit and credit cards, ATM and micro-ATM, UPI/Scan and Pay, fund transfer, doorstep banking, international payments, bill pay, mobile recharge, FASTag, and tax payments; AU 0101 and AU 0101 Business applications; and wealth products comprising mutual funds, ASBA/IPO, PMS/AIF/Bonds, and 3-in-1 trading and demat accounts. Further, the company provides life, health, and general insurance; and locker products. It serves urban, semi-urban, and rural markets, as well as salaried and self-employed individuals, small businesses, merchants, women entrepreneurs, farmers, micro-enterprises, and emerging affluent households. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 30.3% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 25.6%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹12,090.62 Cr (+14.7% YoY); net profit ₹2,641.25 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +29.8%, earnings +35.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 30.3%, profit CAGR 22.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:30.34%
1 Year:29.80%

Compounded Profit Growth

5 Years:22.75%
1 Year:35.10%

Stock Price Performance

1 Year:+31.75%
6 Months:-8.44%
3 Months:-2.43%
1 Month:-8.09%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 60% of range
₹693.63 ₹1,128.60
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)35.63 · Neutral
Price Performance
1M-8.09%
3M-2.43%
6M-8.44%
1Y+31.75%
Valuation vs Sector

P/E of 25.19 is above the sector median of 15.36 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 25.6%.
  • Compounding revenue at 30.3% over 5 years.
  • Profit CAGR of 22.8% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
25.19
Industry PE
15.36
Forward P/E
15.80
PEG Ratio
-
Book Value
₹267.24
Price to Book
3.67
P/S
6.59
EV/EBITDA
-
Dividend Yield
0.10%

Growth (CAGR)

Revenue 5Y
30.34%
Profit 5Y
22.75%
Revenue (YoY)
29.80%
Earnings (YoY)
35.10%

Profitability & Returns

ROCE
-
ROE
13.22%
ROA
1.38%
Profit Margin
25.58%
Op Margin
35.31%
Gross Margin
0.00%
EPS (Latest Qtr)
₹10.51
EPS (TTM)
₹37.87

Balance Sheet & Liquidity

Debt/Equity
0.69
Quick Ratio
-
Current Ratio
-
Debt
₹13,871.54 Cr
Total Assets
₹1.92 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
31.41%
Chg in Prom Hold
-0.02%
FII / Inst Holding
49.60%
Chg in FII Hold
-0.92%

Financial Snapshot

Enterprise Value
₹71,494.27 Cr
Total Revenue (TTM)
₹11,167.16 Cr
EBITDA
-
Free Cash Flow
₹1,020.28 Cr
Operating Cash Flow
₹1,828.87 Cr
Shares Outstanding
₹74.94 Cr
Gross Margin
0.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AUBANK AU Small Finance Bank Limited NIFTY_MIDNSEFINANCIAL 954.00 25.19 ₹71,494.27 Cr 0.10% - 13.22% 30.34% 22.75%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 2,641.12 Cr2,854.59 Cr2,855.28 Cr3,065.07 Cr3,313.28 Cr3,384.71 Cr
Cost of Revenue ------
Gross Profit ------
Operating Expenses 1,436.21 Cr1,562.33 Cr1,543.07 Cr1,849.75 Cr1,961.76 Cr1,949.24 Cr
Operating Income ------
EBITDA ------
Interest Expense 2,090.77 Cr2,176.68 Cr2,333.77 Cr2,386.20 Cr2,436.82 Cr2,607.24 Cr
Pretax Income 703.23 Cr657.15 Cr778.90 Cr884.17 Cr1,082.08 Cr1,063.99 Cr
Tax Provision 174.78 Cr153.45 Cr198.05 Cr216.51 Cr250.21 Cr268.03 Cr
Net Income 528.45 Cr503.70 Cr580.86 Cr667.66 Cr831.87 Cr795.95 Cr
Diluted EPS 7.086.757.788.8711.0110.51

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2014Mar 2015Mar 2016Mar 2017Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 667.00 Cr813.00 Cr1,206.00 Cr1,429.00 Cr-5,460.41 Cr6,855.62 Cr10,537.89 Cr12,090.62 Cr
Cost of Revenue ---------
Gross Profit ---------
Operating Expenses 201.00 Cr227.00 Cr339.00 Cr422.00 Cr-3,351.68 Cr4,364.99 Cr5,957.22 Cr7,001.86 Cr
Operating Income ---------
EBITDA ---------
Interest Expense 317.00 Cr334.00 Cr492.00 Cr531.00 Cr-3,780.13 Cr5,397.63 Cr8,052.15 Cr9,523.66 Cr
Pretax Income 149.00 Cr241.00 Cr373.00 Cr1,082.00 Cr-1,864.65 Cr1,999.43 Cr2,788.05 Cr3,474.05 Cr
Tax Provision 47.68 Cr79.53 Cr126.82 Cr324.60 Cr-436.72 Cr464.71 Cr682.13 Cr832.79 Cr
Net Income 101.00 Cr163.00 Cr247.00 Cr762.00 Cr-1,427.93 Cr1,534.72 Cr2,105.93 Cr2,641.25 Cr
Diluted EPS 11.6518.4927.9513.40-21.7422.8628.2435.01

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2014Mar 2015Mar 2016Mar 2017Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 3,377.00 Cr4,823.00 Cr7,933.00 Cr9,812.00 Cr-90,216.12 Cr1.09 L Cr1.58 L Cr1.92 L Cr
Current Assets ---------
Cash & Equivalents -----9,478.11 Cr6,441.21 Cr9,567.80 Cr8,523.41 Cr
Inventory ---------
Receivables ----805.72 Cr719.53 Cr963.63 Cr1,595.45 Cr-
Total Liabilities -----79,238.77 Cr96,866.14 Cr1.41 L Cr1.72 L Cr
Current Liabilities ---------
Long Term Debt ---------
Total Debt -----6,298.65 Cr5,479.37 Cr11,659.90 Cr13,871.54 Cr
Total Equity 649.00 Cr838.00 Cr1,066.00 Cr1,987.00 Cr-10,977.34 Cr12,559.53 Cr17,166.28 Cr19,973.52 Cr
Shares Outstanding -----66.67 Cr66.92 Cr74.45 Cr74.83 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2014Mar 2015Mar 2016Mar 2017Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -665.00 Cr-1,125.00 Cr-1,719.00 Cr884.00 Cr-5,493.64 Cr2,608.07 Cr5,462.41 Cr1,828.87 Cr
Investing Cash Flow 593.00 Cr3.00 Cr39.00 Cr-1,800.00 Cr--4,319.50 Cr-4,854.76 Cr-5,931.47 Cr-5,090.15 Cr
Financing Cash Flow -148.00 Cr1,153.00 Cr1,958.00 Cr1,022.00 Cr-2,322.52 Cr-802.15 Cr2,407.25 Cr2,318.33 Cr
Capital Expenditure -7.00 Cr-10.00 Cr-15.00 Cr-171.00 Cr--305.94 Cr-346.42 Cr-264.36 Cr-808.59 Cr
Free Cash Flow -672.00 Cr-1,135.00 Cr-1,734.00 Cr713.00 Cr-5,187.70 Cr2,261.65 Cr5,198.05 Cr1,020.28 Cr
Net Change in Cash -220.00 Cr31.00 Cr278.00 Cr106.00 Cr-3,496.66 Cr-3,048.84 Cr1,938.19 Cr-942.95 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2014Mar 2015Mar 2016Mar 2017Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ---------
Operating Margin % ---------
Net Margin % 15.1%20.0%20.5%53.3%-26.2%22.4%20.0%21.8%
ROE % 15.6%19.5%23.2%38.3%-13.0%12.2%12.3%13.2%
ROCE % ---------

Shareholding Pattern

Insiders
31.41%
Institutions
49.60%
Public Float
72.32%

Analyst View

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Latest News

Recent headlines for AUBANK

Yahoo Finance ue, 28 Jul 2026

AU Small Finance Bank Raises FCNR Deposit Rates to 7.40% and NRE Fixed Deposit Rates to 7.60%

AU Small Finance Bank (AU SFB), India's largest Small Finance Bank and the first institution in over a decade to receive in-principle approval from the Reserve Bank of India (RBI) to transition into a Universal Bank, has further enhanced it…

Yahoo Finance Mon, 27 Jul 2026

AU Small Finance Bank Ltd (NSE:AUBANK) Q1 2027 Earnings Call Highlights: Strong Profit and Loan ...

AU Small Finance Bank Ltd (NSE:AUBANK) reports a robust 37% profit increase and 23% loan portfolio growth, while navigating geopolitical uncertainties and rising operating expenses.

Yahoo Finance Fri, 12 Jun 2026

AU Small Finance Bank raises FCNR Deposit Rates to 7.10%*, Strengthens End-to-End NRI Banking Proposition

AU Small Finance Bank (AU SFB), India's largest Small Finance Bank and the first institution in over a decade to receive in-principle approval from the Reserve Bank of India (RBI) to transition into a Universal Bank, has significantly enhan…

Yahoo Finance ue, 28 Apr 2026

AU Small Finance Bank Ltd (NSE:AUBANK) Q4 2026 Earnings Call Highlights: Robust Profit Growth ...

AU Small Finance Bank Ltd (NSE:AUBANK) reports a 65% year-on-year profit surge, driven by strong deposit growth and strategic investments in AI and technology.

Yahoo Finance Sat, 29 Aug 2026

Indian bank stocks show widest exchange price gap in decades

Investing.com -- Shares of several Indian banks closed at sharply different prices across the country’s two largest stock exchanges on Thursday, raising fresh concerns over India’s recently introduced closing auction system, Bloomberg repor…

Yahoo Finance Fri, 11 Sep 2026

ICICI Prudential AMC gets clearance to buy up to 9.95% of four lenders

The fund house is now allowed to acquire up to 9.95% of CSB Bank, DCB Bank and AU Small Finance Bank, and Kotak Mahindra.

AUBANK — Frequently Asked Questions

What is the current share price of AU Small Finance Bank Limited (AUBANK)?

As of 2026-10-23 04:58 IST, AU Small Finance Bank Limited (AUBANK) trades at ₹954.00 on NSE. Its 52-week range is ₹693.63 to ₹1,128.60.

What is the market capitalisation of AUBANK?

AU Small Finance Bank Limited (AUBANK) has a market capitalisation of ₹71,494.27 Cr on NSE.

What is the P/E ratio of AUBANK?

AUBANK trades at a trailing price-to-earnings (P/E) ratio of 25.19. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 3.67.

Does AUBANK pay a dividend?

AU Small Finance Bank Limited (AUBANK) currently offers a dividend yield of 0.10%.

What is the return on equity (ROE) of AUBANK?

AUBANK has a return on equity (ROE) of 13.22%.

Is AUBANK a good stock to buy?

This page provides a data-driven analysis of AU Small Finance Bank Limited (AUBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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