AU Small Finance Bank Ltd logo

AU Small Finance Bank Ltd

AUBANK NSE

Key Fundamentals

MidcapSmall Finance BankBanks
Market Cap
₹80,976 Cr
Volatility
Moderate
P/E Ratio
27.92
EBITDA
₹493 Cr
Return on Equity
38.28%
Debt to Equity
0
Book Value
₹263.27
EPS
₹23.05
52W High
₹1,105.9
52W Low
₹682.15

Insights

Beta

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

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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 4.05 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 3d ago
AI opinion · based on fundamentals
Risk medium

AU Small Finance Bank commands a market cap of ₹78,468 Cr at a P/E of 27.5x and P/B of 3.97x. The bank has delivered strong compounded sales growth of 34% over 10 years and profit growth of 31% TTM, though its ROE remains modest at 14% over the last 3-5 years.

Bull Case 7
  • Exceptional long-term revenue growth with 10-year compounded sales CAGR of 34%, well above most banking peers
  • TTM sales growth of 17% demonstrates continued momentum even on a larger base after years of rapid expansion
  • Compounded profit growth of 31% TTM outpaces revenue growth, indicating improving operating leverage
  • Median sales growth of 33.4% over the last 10 years reflects consistent execution across cycles
  • Stock has delivered 42% return over the past 1 year, reflecting improving market confidence in the franchise
  • 5-year compounded profit CAGR of 18% and 10-year profit CAGR of 29% show durable earnings growth trajectory
  • 3-year sales CAGR of 31% indicates the bank maintained strong growth through the post-COVID period
Bear Case 8
  • P/B ratio of 3.97x is expensive for a small finance bank with ROE of only 14%, implying stretched valuations relative to return generation
  • Return on equity has remained flat at 14% over 3 and 5 years, failing to scale up despite rapid asset growth
  • Low interest coverage ratio suggests vulnerability to margin compression in a rising cost-of-funds environment
  • P/E of 27.5x is significantly above the median for Indian banking stocks, leaving limited margin of safety
  • Dividend yield of just 0.09% indicates negligible income return for shareholders at current prices
  • ROE of 13.9% over the last 3 years is below the 15%+ threshold typically expected from premium-valued banks
  • Sales growth deceleration from 31% (3-year CAGR) to 17% TTM signals potential growth slowdown as the bank scales
  • 5-year stock CAGR of only 11% despite strong profit growth suggests the market has periodically re-rated the stock downward on valuation concerns

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

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 1
  • Q1FY27 profit up 37% YoY Jul 25

    AU Small Finance Bank reported Q1FY27 net profit of ₹795.95 crore, a 37% increase year-on-year. The bank also elevated Yogesh Jain to Deputy CEO and announced its AGM date.

Neutral 4
  • 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 unaudited financial results for the quarter ended June 30, 2026.

  • ₹27.75 Cr block trade on BSE Jul 20

    A block trade of approximately 2,79,679 shares was executed at ₹992.05 per share on BSE, totaling ₹27.75 crore, likely by an institutional investor.

  • New CRO appointed from Sep 1 Jul 18

    Amol Padhye appointed as Chief Risk Officer (CRO-Designate) effective September 1, 2026, succeeding Deepak Jain whose tenure ends August 31, 2026.

  • Q1FY27 earnings call scheduled Jul 14

    AU Small Finance Bank announced a conference call on July 25, 2026, for senior management to present Q1FY27 financial performance.

TL;DR: AU Small Finance Bank delivered a strong Q1FY27 with net profit growing 37% YoY to ₹795.95 crore, signaling healthy earnings momentum. No material headwinds emerged in the recent news cycle. Leadership continuity is being maintained with a new CRO appointment and Deputy CEO elevation. The trend appears positive heading into FY27, with execution on profitability being the key monitorable.

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
8,617
8,861
Financing Profit
212
326
339
109
180
296
142
601
1,016
528
520
496
903
Fin. Margin %
30%
32%
26%
6%
6%
7%
3%
10%
12%
5%
3%
3%
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
0
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
18,984
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
5,532
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
1,436
CWIP
0
0
240
6
7
10
5
14
33
67
87
0
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
28
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 ₹80976.19 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 27.92. 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 ₹1,105.9. 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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