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AU Small Finance Bank Limited AUBANK NIFTY_MIDNSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.au.bank.in
Company Profile ↓
₹1,052.40
+27.07% 1Y
Mkt Cap₹78,747.63 Cr
P/E30.06
P/B3.97
Div. Yield0.09%
52W High₹1,072.10
52W Low₹694.30
Book Value₹266.93
EPS (TTM)₹35.01

Company Overview

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. 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 Jaipur, 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 21.9%.

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 +14.7%, earnings +25.4%.
  • 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:14.73%

Compounded Profit Growth

5 Years:22.75%
1 Year:25.42%

Stock Price Performance

1 Year:+27.07%
6 Months:+5.32%
3 Months:+6.96%
1 Month:+1.82%

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

Technical Snapshot Bullish
52-Week Range 95% of range
₹694.30 ₹1,072.10
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)54.89 · Neutral
Price Performance
1M+1.82%
3M+6.96%
6M+5.32%
1Y+27.07%
Valuation vs Sector

P/E of 30.06 is above the sector median of 19.81 — 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 21.9%.
  • 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
30.06
Industry PE
19.81
Forward P/E
17.37
PEG Ratio
-
Book Value
₹266.93
Price to Book
3.97
P/S
74.79
EV/EBITDA
-
Dividend Yield
0.09%

Growth (CAGR)

Revenue 5Y
30.34%
Profit 5Y
22.75%
Revenue (YoY)
14.73%
Earnings (YoY)
25.42%

Profitability & Returns

ROCE
-
ROE
13.22%
ROA
1.38%
Profit Margin
21.85%
Op Margin
35.55%
Gross Margin
0.00%
EPS (Latest Qtr)
₹11.01
EPS (TTM)
₹35.01

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
31.30%
Chg in Prom Hold
-0.01%
FII / Inst Holding
49.79%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹78,747.63 Cr
Total Revenue (TTM)
₹12,090.62 Cr
EBITDA
-
Free Cash Flow
₹1,020.28 Cr
Operating Cash Flow
₹1,828.87 Cr
Shares Outstanding
₹74.83 Cr
Gross Margin
0.00%
Payout Ratio
2.86%

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 1,052.40 30.06 ₹78,747.63 Cr 0.09% - 13.22% 30.34% 22.75%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 2,641.12 Cr2,854.59 Cr2,855.28 Cr3,065.07 Cr3,313.28 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 1,436.21 Cr1,562.33 Cr1,543.07 Cr1,849.75 Cr1,961.76 Cr
Operating Income -----
EBITDA -----
Interest Expense 2,090.77 Cr2,176.68 Cr2,333.77 Cr2,386.20 Cr2,436.82 Cr
Pretax Income 703.23 Cr657.15 Cr778.90 Cr884.17 Cr1,082.08 Cr
Tax Provision 174.78 Cr153.45 Cr198.05 Cr216.51 Cr250.21 Cr
Net Income 528.45 Cr503.70 Cr580.86 Cr667.66 Cr831.87 Cr
Diluted EPS 7.086.757.788.8711.01

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
31.30%
Institutions
49.79%
Public Float
72.48%

Analyst View

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Latest News

Recent headlines for AUBANK

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 Mon, 26 Jan 2026

AU Small Finance Bank Ltd (NSE:AUBANK) Q3 2026 Earnings Call Highlights: Robust Growth in ...

AU Small Finance Bank Ltd (NSE:AUBANK) reports strong financial performance with significant growth in deposits and loans, improved asset quality, and expanded profitability in Q3 2026.

Yahoo Finance Fri, 17 Oct 2025

AU Small Finance Bank Ltd (NSE:AUBANK) Q2 2026 Earnings Call Highlights: Strong Growth in ...

AU Small Finance Bank Ltd (NSE:AUBANK) reports robust year-on-year growth in deposits and loans, while navigating challenges in operating expenses and credit costs.

Yahoo Finance ue, 05 Aug 2025

India’s SBI Life and AU SFB forge bancassurance alliance

The tie-up will enable distribution of life insurance products, serving financial needs like savings and retirement planning.

Yahoo Finance Mon, 04 Aug 2025

SBI Life Insurance joins hands with AU Small Finance Bank to make comprehensive insurance solutions accessible across India

SBI Life Insurance, among India's most trusted life insurers, has entered a strategic corporate agency partnership with AU Small Finance Bank, the country's largest Small Finance Bank. This collaboration aims to enhance access to comprehens…

AUBANK — Frequently Asked Questions

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

As of 2026-07-15 09:52 IST, AU Small Finance Bank Limited (AUBANK) trades at ₹1,052.40 on NSE. Its 52-week range is ₹694.30 to ₹1,072.10.

What is the market capitalisation of AUBANK?

AU Small Finance Bank Limited (AUBANK) has a market capitalisation of ₹78,747.63 Cr on NSE.

What is the P/E ratio of AUBANK?

AUBANK trades at a trailing price-to-earnings (P/E) ratio of 30.06. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.97.

Does AUBANK pay a dividend?

AU Small Finance Bank Limited (AUBANK) currently offers a dividend yield of 0.09%.

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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