AU Small Finance Bank logo

AU Small Finance Bank

AUBANK NSE

Key Fundamentals

MidcapSmall Finance BankBanks
Market Cap
₹73,747 Cr
P/E (TTM)
25.7
EBITDA
₹493 Cr
Return on Equity
38.28%
Debt to Equity
0
Book Value
₹262.67
EPS (TTM)
₹38.21
52W High
₹1,144.10
52W Low
₹755.15

Price-based figures as of 9 Oct 2026, 3:59 pm IST · EPS basis: Standalone · TTM

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

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

Weaknesses

3
  • Stock is trading at 3.86 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
19.1% lower than 3Y
Net Income Growth
210% higher than 3Y
Cash Flow Change
151% lower than 3Y
EBITDA Margin (Avg.)
-1.75% lower than 3Y

AI Analysis — Bull vs Bear

Figures as of 1 Oct 2026
AI opinion · based on fundamentals
Risk medium

As of the 2026-10-01 close, AU Small Finance Bank traded at ₹987, with a market cap of ₹74,122.69 crore, a trailing P/E of 25.83 and a price-to-book of 3.76. The bank has grown sales at a compounded 31% over 3 years and profit at 31% on a TTM basis, but its 3-year average ROE is around 14%. The stock is about 13.7% below its 52-week high of ₹1,144.1 and about 32.5% above its 52-week low of ₹745. The reported ROE of 38.28% does not match the 14% historical ROE or the P/B-to-P/E ratio, which works out to about 14.6%, so readers should check that figure.

Bull Case 7
  • Sales have grown at a median 33.4% a year over the last 10 years, and compounded sales growth is 34% over 10 years, 30% over 5 years and 31% over 3 years. That shows growth has held up over a long period.
  • Profit grew 31% on a TTM basis, faster than the 23% 3-year and 18% 5-year compounded rates. This suggests earnings growth has picked up recently.
  • TTM profit growth of 31% is higher than TTM sales growth of 17%, which points to better operating leverage or lower credit costs in the latest period.
  • 10-year compounded profit growth of 29% shows the bank has grown earnings over a full credit cycle, not just in a good stretch.
  • The stock returned 33% over 1 year, well ahead of its 3-year CAGR of 11% and 5-year CAGR of 10%. Market sentiment has clearly improved.
  • At ₹987, the stock is about 13.7% below its 52-week high of ₹1,144.1, so it has pulled back from its recent peak.
  • ROE has stayed around 14% across the 3-year, 5-year and last-year periods, with a 10-year average of 16%. Returns have been steady even as the balance sheet grew quickly.
Bear Case 8
  • At 3.76 times book value, the stock is priced for continued strong growth, even though it is more than 30% above its 52-week low. There is little room for error if growth slows.
  • ROE was about 13.9% over the last 3 years, and a trailing P/E of 25.83 is a high price for that level of return.
  • TTM sales growth has slowed to 17%, roughly half the 31% 3-year and 30% 5-year compounded rates. Balance-sheet growth may be losing pace.
  • Profit growth over 5 years (18%) has lagged sales growth over the same period (30%), which suggests margins or credit costs came under pressure.
  • ROE has slipped from a 10-year average of 16% to about 14% in recent periods, so capital is earning less as the bank gets bigger.
  • The dividend yield is 0.1%, so investors get almost no income and depend on the share price rising.
  • The stock's 3-year CAGR of 11% and 5-year CAGR of 10% trail the 23% and 18% profit CAGRs over those periods. The share price has not kept pace with earnings, and some of the gap may come from P/E compression.
  • The data flags a low interest coverage ratio. This is common for banks, which carry large interest costs by design, but the bank still depends on its funding costs and net interest margins holding up. The 38.28% ROE figure also conflicts with the 14% historical ROE and should be confirmed.

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

AI News Digest

1d ago
Headwinds 2
  • Stock dips on market caution Sep 15

    Shares fell 2.02% to ₹1,037.50 on NSE from the prior close of ₹1,058.90, taking market cap to about ₹77,872 crore amid broader market caution.

  • Large trade below recent levels Sep 25

    About 8,40,342 shares worth ₹85.17 crore changed hands on BSE at ₹1,013.50, roughly 4.3% below the ₹1,058.90 close of Sep 12. This points to continued short-term price softness, though this unconfirmed trade-level signal is not an official block deal disclosure.

Positives 4
  • New CRO, institutional banking head Sep 15

    Amol Padhye (23 years in risk, ex-HDFC Bank/EY) joins as CRO, and Anil Agarwal (nearly 30 years, 20+ at Axis Bank) heads Commercial & Institutional Banking from Sep 14, strengthening leadership for the universal bank transition. The bank reported deposits of ₹1,57,727 crore and loans of ₹1,44,250 crore as of Jun 30, 2026.

  • ICICI Pru AMC stake approved Sep 9

    RBI approved ICICI Prudential AMC to acquire up to 9.95% of AU SFB, which signals strong institutional interest in the stock.

  • MFIB network crosses 1,000 branches Sep 29

    The microfinance and inclusion network now serves 20 lakh+ customers and 58 lakh+ rural savings account holders across 59,000+ villages in 17 states and 1 UT, which deepens its rural deposit and lending franchise.

  • Strong 1-year outperformance Sep 15

    The stock has gained over 45% in the past year, against a 2.32% return for the Nifty Bank index.

Neutral 3
  • Investor meet with ICICI Securities Sep 21

    The bank will attend a physical group meeting with analysts and institutional investors in Mumbai on Sep 24, 2026, organised by ICICI Securities.

  • Trading window closed for Q2FY27 Sep 30

    The trading window is closed from Oct 1, 2026 until 48 hours after Q2FY27 results are declared, as required by SEBI PIT Regulations.

  • Internal Audit Head re-appointed Sep 28

    Vinay Vaish was re-appointed as Head of Internal Audit for one year from Oct 7, 2026, after board approval.

TL;DR: AU SFB is building out its leadership and governance for the universal bank transition. Positives include senior hires from HDFC Bank and Axis Bank, RBI approval for ICICI Prudential AMC to take up to 9.95%, and a rural network of 1,000+ branches, all backed by a 45% one-year gain that beat Nifty Bank. In the near term the stock has slipped from ₹1,058.90 to around ₹1,013.50, and its growing microfinance footprint carries asset-quality risk. The fundamental trend looks stable to improving, and Q2FY27 results will be the next key test of whether growth and asset quality hold up as the bank scales.

Quarterly Results

Particulars 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

Particulars 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

Particulars 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

Particulars 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

Particulars 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%

Insights

Beta

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

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Shareholding Pattern

Others2.41%FIIs35.98%Public6.06%Promot.22.74%DIIs32.81%As ofJun 2026

Documents

Frequently Asked Questions about AU Small Finance Bank

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 trades as AUBANK on the NSE and under code 540611 on the BSE.
Which sector does AU Small Finance Bank Ltd belong to?
AU Small Finance Bank Ltd is classified under the Banks sector, in the Small Finance Bank industry.
What is the market capitalisation of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has a market capitalisation of ₹73,747 Cr as of 9 Oct 2026, which places it in the Large Cap band.
What is the PE ratio of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd trades at a PE ratio of 25.70 as of 9 Oct 2026, on earnings per share of ₹38.21, against a book value of ₹262.67 per share.
What is the 52-week high and low of AU Small Finance Bank Ltd?
Over the last 52 weeks AU Small Finance Bank Ltd has traded between ₹755.15 and ₹1,144.1 as of 9 Oct 2026.
Does AU Small Finance Bank Ltd pay dividends?
AU Small Finance Bank Ltd has a dividend yield of 0.10%.
What is the Return on Equity (ROE) of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd reported a return on equity of 38.28%. Its debt-to-equity ratio is 0.00.

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
Shares Outstanding 75,09,89,765

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