AU Small Finance Bank Ltd logo

AU Small Finance Bank Ltd

AUBANK NSE

Key Fundamentals

MidcapSmall Finance BankBanks
Market Cap
₹84,825 Cr
Volatility
Moderate
P/E Ratio
29.54
EBITDA
₹493 Cr
Return on Equity
38.28%
Debt to Equity
0
Book Value
₹263.15
EPS
₹23.05
52W High
₹1,114.2
52W Low
₹682.15

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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61 extracted metrics + investor summaries across FY12–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company's median sales growth is 33.4% of last 10 years

Weaknesses

3
  • Stock is trading at 4.17 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.9% over last 3 years.

Growth Rate

Revenue Growth
19.10% ↗
Net Income Growth
210.40% ↗
Cash Flow Change
151.43% ↗
ROE
67.23% ↗
ROCE
50.78% ↗
EBITDA Margin (Avg.)
-1.75% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 5d ago
AI opinion · based on fundamentals
Risk medium

AU Small Finance Bank trades at a market cap of ₹81,238 crore with a P/E of 28.1x and P/B of 4.07x. The bank has delivered strong compounded sales growth of 31% over 3 years and profit growth of 23% CAGR over the same period, though its ROE of ~14% remains moderate for its premium valuation and asset quality has shown some recent pressure with GNPA rising to 2.31% in Q3 FY25.

Bull Case 8
  • Strong revenue growth trajectory with 10-year compounded sales CAGR of 34% and 3-year CAGR of 31%, indicating consistent business scaling
  • Q4 FY25 net profit surged 65% YoY to ₹832 crore and Q1 FY26 profit grew 37% YoY to ₹796 crore, showing accelerating earnings momentum
  • Deposit growth of 22.8% YoY to ₹1.53 lakh crore in FY25 outpaced gross loan growth of 21.3%, indicating improving liability franchise
  • Cost of funds declined 60 bps YoY to 6.48% in recent quarter, supporting net interest margin expansion
  • Median sales growth of 33.4% over the last 10 years demonstrates long-term execution consistency rare among small finance banks
  • Stock has delivered 42% return over the past 1 year, reflecting market recognition of improving fundamentals
  • Net Interest Income grew 23-32% YoY in recent quarters (₹2,582 crore in Q4 FY25 and ₹2,695 crore in Q1 FY26), demonstrating core banking income strength
  • Provision Coverage Ratio at 80% in Q3 FY25 provides a reasonable buffer against potential credit losses
Bear Case 8
  • P/B ratio of 4.07x is elevated for a bank generating only 14% ROE over 3 years, implying the stock prices in significant future improvement
  • GNPA rose from 1.98% in Q2 FY25 to 2.31% in Q3 FY25, a 33 bps sequential deterioration indicating emerging asset quality stress
  • CASA ratio has been declining from 32% in Q2 FY25 to 28.4% in Q4 FY25, raising the cost of deposits and pressuring margins over time
  • Low interest coverage ratio as flagged in known risks suggests vulnerability to rate cycle movements
  • ROE of 13.9% over 3 years is modest relative to well-run private banks trading at similar or lower multiples
  • Dividend yield of just 0.09% offers negligible income return to shareholders at current valuations
  • P/E of 28.1x is at a premium to most banking peers, leaving limited margin of safety if growth decelerates
  • Net NPA increased from 0.75% in Q2 FY25 to 0.91% in Q3 FY25, confirming the GNPA trend is flowing through to net levels

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 2d ago
Positives 2
  • Q1FY27 profit up 37% YoY Jul 25

    AU Small Finance Bank reports Q1FY27 net profit of ₹795.95 crore, a 37% increase year-on-year for the quarter ended June 30, 2026.

  • Deputy CEO elevation announced Jul 25

    Yogesh Jain elevated to Deputy CEO, signaling leadership strengthening and succession planning alongside AGM date announcement.

Neutral 1
  • Q1FY27 earnings call recording released Jul 25

    AU Small Finance Bank released the audio recording of its conference call held on July 25, 2026, discussing Q1FY27 unaudited financial results.

TL;DR: AU Small Finance Bank delivered strong Q1FY27 results with 37% YoY profit growth to ₹795.95 crore, indicating healthy earnings momentum. No material headwinds emerged from the latest disclosures. Leadership continuity is being reinforced with a Deputy CEO elevation. The trend appears positive heading into FY27 if growth sustains at this pace.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
2,458
2,531
2,736
2,830
3,769
3,911
4,113
4,271
4,378
4,511
4,727
5,019
5,303
Expenses
1,048
1,122
1,269
1,346
1,761
1,854
1,938
2,197
2,076
2,128
2,181
2,231
2,321
Financing Profit
198
127
56
-9
160
121
85
-104
-32
16
160
351
375
Fin. Margin %
8%
5%
2%
0%
4%
3%
2%
-2%
-1%
0%
3%
7%
7%
Other Income
315
406
442
464
509
638
618
761
811
713
724
731
689
Interest
1,212
1,282
1,411
1,492
1,848
1,936
2,091
2,177
2,334
2,367
2,386
2,437
2,607
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
513
533
498
455
669
759
703
657
779
729
884
1,082
1,064
Tax %
25%
25%
25%
18%
25%
25%
25%
23%
25%
23%
24%
23%
25%
Net Profit
387
402
375
371
503
571
528
504
581
561
668
832
796
EPS in Rs
5.8
6.01
5.61
5.54
6.76
7.68
7.1
6.77
7.79
7.52
8.94
11.12
10.63
Gross NPA %
1.76%
1.91%
1.98%
1.67%
1.78%
1.98%
2.31%
2.28%
2.47%
2.41%
2.3%
2.03%
2.1%
Net NPA %
0.55%
0.6%
0.68%
0.55%
0.63%
0.75%
0.91%
0.74%
0.88%
0.88%
0.88%
0.74%
0.76%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
704
1,010
1,280
1,767
2,949
4,286
4,950
5,922
8,205
10,555
16,064
18,636
19,561
Expenses
209
289
445
832
1,163
1,612
2,224
2,634
3,410
4,629
7,491
8,345
8,861
Financing Profit
212
326
339
109
180
296
142
601
1,016
528
520
768
903
Fin. Margin %
30%
32%
26%
6%
6%
7%
3%
10%
12%
5%
3%
4%
5%
Other Income
2
5
810
388
462
706
1,421
994
1,034
1,697
2,526
2,978
2,857
Interest
282
395
496
827
1,607
2,377
2,585
2,688
3,780
5,398
8,052
9,524
9,797
Depreciation
7
9
6
53
62
89
104
140
185
225
259
272
0
PBT
208
323
1,143
443
580
914
1,458
1,454
1,865
1,999
2,788
3,474
3,759
Tax %
33%
34%
28%
34%
34%
26%
20%
22%
23%
23%
24%
24%
—
Net Profit
140
212
822
292
382
675
1,171
1,130
1,428
1,535
2,106
2,641
2,856
EPS in Rs
15.9
23.99
14.46
5.11
6.53
11.09
18.75
17.94
21.42
22.93
28.29
35.3
38.21
Div. Payout %
0%
0%
0%
5%
6%
0%
0%
3%
5%
4%
4%
3%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
44
44
284
286
292
304
312
315
667
669
745
748
Reserves
767
965
1,703
1,995
2,871
4,073
5,963
7,199
10,311
11,890
16,422
19,225
Borrowing
2,878
4,783
7,120
7,639
8,613
10,335
7,030
5,991
6,299
5,479
11,660
13,872
Deposits
—
—
0
7,923
19,422
26,164
35,979
52,585
69,365
87,182
1,24,269
1,52,661
Other Liabilities
346
502
674
989
1,424
1,267
2,307
2,988
3,575
4,205
4,751
5,291
Total Liabilities
4,035
6,294
9,781
18,833
32,623
42,143
51,591
69,078
90,216
1,09,426
1,57,846
1,91,797
Fixed Assets
19
24
36
380
440
438
477
609
707
784
825
881
CWIP
0
0
240
6
7
10
5
14
33
67
87
555
Investments
140
232
2,150
3,051
7,162
10,668
10,815
15,306
20,072
27,133
37,848
44,794
Other Assets
3,877
6,038
7,355
15,396
25,014
31,027
40,294
53,149
69,404
81,441
1,19,086
1,45,567
Total Assets
4,035
6,294
9,781
18,833
32,623
42,143
51,591
69,078
90,216
1,09,426
1,57,846
1,91,797
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-747
-1,938
-2,405
2,505
848
660
5,056
6,849
5,494
2,608
5,462
1,829
Investing
-23
-33
552
-1,890
-2,305
-1,267
-990
-4,753
-4,320
-4,855
-4,780
-5,090
Financing
782
1,964
2,448
521
1,436
2,237
-2,655
-948
2,323
-802
2,407
2,318
Net Cash Flow
12
-7
596
1,136
-21
1,629
1,412
1,147
3,497
-3,049
3,090
-943
Free Cash Flow
-756
-1,952
-2,662
2,341
724
569
4,916
6,568
5,190
2,270
5,205
1,027
CFO/OP
-139
-254
-250
284
58
35
197
220
122
52
72
27
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
23%
55%
14%
14%
18%
22%
16%
15%
13%
14%
14%

Shareholding Pattern

As of Jun 2026
FIIs 35.98%
DIIs 32.81%
Promoters 22.74%
Public 6.06%
Others 2.41%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Aug 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Apr 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
28.47%
28.41%
28.39%
28.33%
28.23%
28.21%
26.75%
25.58%
25.55%
25.54%
25.53%
25.49%
25.46%
25.45%
22.93%
22.92%
22.90%
22.88%
22.87%
22.85%
22.82%
22.79%
22.76%
22.74%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.03%
0.03%
0.00%
41.65%
0.03%
39.37%
35.47%
39.58%
40.72%
39.35%
35.58%
37.68%
34.49%
36.45%
37.26%
35.98%
DIIs
16.22%
17.00%
16.52%
15.73%
14.94%
14.44%
15.98%
17.23%
20.64%
20.63%
19.25%
19.56%
15.22%
22.78%
21.16%
18.44%
20.14%
21.78%
27.17%
28.87%
31.90%
31.27%
31.30%
32.81%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
9.60%
10.29%
10.15%
10.56%
10.61%
10.75%
10.28%
8.26%
7.93%
7.66%
7.29%
7.03%
6.76%
7.59%
7.05%
5.37%
5.04%
4.90%
5.45%
5.67%
5.86%
5.04%
4.45%
6.06%
Others
45.71%
44.30%
44.94%
45.38%
46.22%
46.60%
46.98%
48.92%
45.84%
46.14%
47.93%
6.29%
52.52%
4.81%
13.39%
13.69%
11.20%
11.09%
8.93%
4.92%
4.92%
4.45%
4.23%
2.41%
No. of Shareholders
1,14,569
1,48,324
1,44,197
1,42,821
1,49,884
1,70,471
1,86,469
1,88,507
1,79,082
1,70,109
1,63,552
1,59,037
1,55,660
2,30,172
2,30,378
1,95,762
1,74,101
1,89,495
1,92,987
1,90,119
1,91,508
1,81,635
1,67,443
1,62,894

Documents

1
Concall - Aug 2017 Aug 2017
2
Concall - Oct 2017 Oct 2017
3
Concall - Jan 2018 Jan 2018
4
Concall - Apr 2018 Apr 2018
5
Concall - Aug 2018 Aug 2018

Frequently Asked Questions about AU Small Finance Bank Ltd

What does AU Small Finance Bank Ltd do?
AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]
Where is AU Small Finance Bank Ltd (AUBANK) listed?
AU Small Finance Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: AUBANK and BSE: 540611. You can view its live share price, financials, and ratios on Tapetide.
Which sector does AU Small Finance Bank Ltd belong to?
AU Small Finance Bank Ltd operates in the Banks sector within the Small Finance Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has a market capitalisation of approximately ₹84824.71 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of AU Small Finance Bank Ltd?
The Price-to-Earnings (PE) ratio of AU Small Finance Bank Ltd is 29.54. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of AU Small Finance Bank Ltd?
Over the past 52 weeks, AU Small Finance Bank Ltd has traded between a low of ₹682.15 and a high of ₹1,114.2. This range helps investors understand the stock's price volatility and recent trading levels.
Does AU Small Finance Bank Ltd pay dividends?
Yes, AU Small Finance Bank Ltd has a dividend yield of 0.09%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has a Return on Equity (ROE) of 38.28%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research AU Small Finance Bank Ltd on Tapetide?
On Tapetide, you can view AU Small Finance Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]

Website aubank.in
CEO Mr. Sanjay Agarwal C.A.
Employees 50,946
Listed 2017-07-10
Face Value ₹ 10
Issued Size 74,69,32,077

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