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AU Small Finance Bank

AUBANK NSE
₹904.35 No trade today
P/E
21.48
View as Markdown
MCP
Close 4 Nov 2026 ₹904.35 +23.35 +2.65% 1Y
Start ₹881.00

Key Fundamentals

MidcapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹42.11
Book Value
₹285.88
Market Cap
—
P/E (TTM)
21.48
P/B
3.16
ROE
14.20%
Dividend Yield
0.11%
52W High
₹1,144.10
52W Low
₹831.65
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Small Finance Bank › Other Bank

AU Small Finance Bank peer comparison
AU Small Finance Bank (this company)
₹904.3521.48₹66,448 Cr3.160.11%14.20%—₹20,661 Cr₹3,154 Cr
Ujjivan Small Finance Bank
₹56.7012.14₹11,244 Cr1.492.64%10.80%—₹7,338 Cr₹907 Cr
Equitas Small Finance Bank
₹55.4512.40₹6,401 Cr0.971.90%1.68%—₹7,106 Cr₹511 Cr
Jana Small Finance Bank
₹405.2511.24₹4,167 Cr0.880.00%7.60%—₹5,637 Cr₹380 Cr
ESAF Small Finance Bank
₹41.35—₹2,136 Cr1.051.71%−8.86%—₹3,807 Cr−₹5 Cr
Utkarsh Small Finance Bank
₹11.72—₹2,052 Cr0.754.11%−40.00%—₹3,381 Cr−₹945 Cr
Suryoday Small Finance Bank
₹147.308.16₹1,489 Cr0.711.09%7.58%—₹2,287 Cr₹192 Cr
Median 7 companies₹56.7012.14₹4,167 Cr0.971.71%7.58%—₹5,637 Cr₹380 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

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

Overall score

49 Average

Data confidence 100/100

Category scores

Quality
62
Good
Returns, margins, earnings quality 22% weight
Valuation
18
Poor
Cheap vs sector & own history 24% weight
Growth
94
Strong
Sales & profit trajectory 9% weight
Financial Health
76
Strong
Solvency, leverage, coverage 9% weight
Momentum
20
Poor
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

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

Weaknesses

3
  • Stock is trading at 3.26 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.9% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1153
OscillatorsBearish351
Moving AveragesStrong Bearish802

Key readings

RSI (14)
41.24
Neutral
MACD (12,26,9)
−37.34
Bearish
SMA (50)
1,006.06
Bearish
SMA (200)
1,000.26
Bearish

As of

Analyst Rating

Based on 29 analysts
BUY62%

18 of 29 analysts rate Buy, 4 Hold, 7 Sell.

As of

BUY
18
62%
HOLD
4
14%
SELL
7
24%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Sep 2026 against Sep 2025.

Revenue

Revenue growth by window
10Y+33.85%
5Y+30.36%
3Y+31.45%
1Y+16.01%
TTM+19.61%

Net profit

Net profit growth by window
10Y+28.69%
5Y+17.66%
3Y+22.75%
1Y+25.40%
TTM+45.08%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹1,280 Cr
Mar 2018₹1,767 Cr
Mar 2019₹2,949 Cr
Mar 2020₹4,286 Cr
Mar 2021₹4,950 Cr
Mar 2022₹5,922 Cr
Mar 2023₹8,205 Cr
Mar 2024₹10,555 Cr
Mar 2025₹16,064 Cr
Mar 2026₹18,636 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹822 Cr
Mar 2018₹292 Cr
Mar 2019₹382 Cr
Mar 2020₹675 Cr
Mar 2021₹1,171 Cr
Mar 2022₹1,130 Cr
Mar 2023₹1,428 Cr
Mar 2024₹1,535 Cr
Mar 2025₹2,106 Cr
Mar 2026₹2,641 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EBITDA
₹4,701 Cr +25.5% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk high

AU Small Finance Bank Ltd trades at ₹890 as of 2026-11-02 with a market cap of ₹65,377 Cr, a trailing P/E of 21.14x, and a P/B of 3.11x. The bank has delivered a 10-year compounded sales growth of 34% and profit growth of 29%, though its 3-year average ROE of roughly 14% remains modest relative to its premium valuation. The stock sits closer to its 52-week low of ₹831.65 than its high of ₹1,144.10, reflecting a roughly 22% drawdown from peak levels.

Bull Case 6
  • TTM profit growth stands at 45%, a sharp acceleration over the 3-year compounded profit growth of 23% and 5-year rate of 18%, indicating improving profitability momentum.
  • 10-year compounded sales growth of 34% and a median sales growth of 33.4% over the last decade demonstrate a consistent, durable revenue expansion track record rare among small finance banks.
  • ROE on a TTM basis has surged to 38.28%, a significant jump from the 3-year and 5-year averages of 14%, suggesting a step-change in return generation.
  • 3-year compounded sales growth of 31% and 5-year growth of 30% show the bank has sustained high top-line momentum even as it has scaled up from a smaller base.
  • 10-year compounded profit growth of 29% comfortably outpaces many banking peers, reflecting the bank's ability to convert rapid loan book expansion into bottom-line gains.
  • EPS of ₹42.11 on a TTM basis, paired with the 45% TTM profit growth, points to strong recent earnings delivery supporting the current P/E of 21.14x.
Bear Case 8
  • The stock trades at 3.11x book value (P/B), while the 3-year average ROE is only about 14%, implying the market is pricing in significantly higher future returns that may not materialise.
  • A low interest coverage ratio signals that the bank's earnings cushion over its interest obligations is thin, posing risk in a rising rate or asset-quality stress environment.
  • The 3-year average ROE of roughly 14% and 5-year average of 14% are below what is typically expected of a bank commanding a P/E of 21.14x and P/B above 3x.
  • The sharp gap between the current TTM ROE of 38.28% and the longer-term averages of 14% raises questions about the sustainability of the recent ROE spike and whether it reflects one-off or cyclical factors.
  • Dividend yield of just 0.12% offers virtually no income cushion, meaning investor returns depend almost entirely on capital appreciation.
  • Revenue growth has decelerated from a 5-year CAGR of 30% to a TTM rate of 20%, suggesting the pace of top-line expansion may be slowing as the bank's base grows larger.
  • Stock price CAGR of 8% over 5 years and 11% over 3 years has notably lagged the bank's own profit compounding of 18-23% over the same periods, indicating persistent valuation compression.
  • As a small finance bank operating in segments with higher credit risk borrowers, asset quality can deteriorate quickly in an economic downturn, amplifying the concern around the low interest coverage ratio.

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

AI News Digest

9h ago

TL;DR: AU Small Finance Bank delivered a strong Q2 FY27 with 53% profit growth, expanding NIMs, and loan/deposit growth well above sector averages, earning a credit rating outlook upgrade. The key risk is a claimed data breach via its Salesforce-hosted vehicle loan platform, with scope still unverified but potentially involving sensitive KYC and identity data for part of its 12.2 million customer base. Capital adequacy is gradually declining as growth consumes capital. The near-term outlook hinges on the breach investigation outcome and any regulatory response — if contained to limited vehicle loan data, the event premium should fade, but broader exposure could pressure the stock's growth-driven valuation.

Headwinds 5
  • Data breach threatens customer trust Oct 30

    ScarlettGroup claims to have breached AU SFB via a Salesforce-hosted SaaS platform, allegedly exposing KYC records, PAN, Aadhaar, credit reports, loan agreements, employee data and audit logs. Scope and affected customer count remain unverified; the bank had 12.2 million unique customers at end-FY26.

  • Vendor risk and regulatory exposure Oct 30

    RBI outsourcing norms hold the bank accountable for data at third-party vendors. Past cyber-related penalties have been small (₹1-4 crore range), but business restrictions on a bank trading at 3.08x P/B would hurt more than fines.

  • Capital adequacy trending lower Oct 24

    Capital Adequacy Ratio fell to 18.54% from 18.78% a year ago and 20.0% a year before that, as rapid loan growth consumes capital despite strong profits.

Positives 6
  • Q2 profit surges 53% YoY Oct 24

    Net profit rose 53% YoY to ₹858 crore in Q2 FY27 with RoA improving to 1.7% from 1.4% and RoE reaching 16.1% versus 12.4% a year ago. EPS grew 52.1% YoY to ₹11.44.

  • NII and NIM expanding strongly Oct 24

    Net interest income grew 32% YoY to ₹2,820 crore with NIM expanding 33 bps YoY to 5.8%, while cost of funds fell 43 bps YoY to 6.41%.

  • Loan and deposit growth outpaces sector Oct 24

    Gross loan portfolio grew 25% YoY to ₹1.54 lakh crore versus ~19% sector growth, while deposits rose 28.6% YoY to ~₹1.70 lakh crore versus ~18% sector growth. CASA ratio improved 72 bps sequentially to 29.5%.

Neutral 1
  • Salesforce denies platform vulnerability Oct 30

    Salesforce stated it has not identified any vulnerability in its platform related to the AU SFB incident, leaving the access vector unresolved as investigations continue.

Quarterly Results

₹ Cr
AUBANK quarterly results, ₹ crore
Particulars Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue
2,531
2,736
2,830
3,769
3,911
4,113
4,271
4,378
4,511
4,727
5,019
5,303
5,612
Expenses
1,122
1,269
1,346
1,761
1,854
1,938
2,197
2,076
2,128
2,181
2,231
2,321
2,436
Financing Profit
127
56
−9
160
121
85
−104
−32
16
160
351
375
384
Fin. Margin %
5%
2%
0%
4%
3%
2%
−2%
−1%
0%
3%
7%
7%
7%
Other Income
406
442
464
509
638
618
761
811
713
724
731
689
770
Interest
1,282
1,411
1,492
1,848
1,936
2,091
2,177
2,334
2,367
2,386
2,437
2,607
2,792
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
533
498
455
669
759
703
657
779
729
884
1,082
1,064
1,154
Tax %
25%
25%
18%
25%
25%
25%
23%
25%
23%
24%
23%
25%
26%
Net Profit
402
375
371
503
571
528
504
581
561
668
832
796
858
EPS (₹)
6.01
5.61
5.54
6.76
7.68
7.1
6.77
7.79
7.52
8.94
11.12
10.63
11.42
Gross NPA %
1.91%
1.98%
1.67%
1.78%
1.98%
2.31%
2.28%
2.47%
2.41%
2.3%
2.03%
2.1%
1.99%
Net NPA %
0.6%
0.68%
0.55%
0.63%
0.75%
0.91%
0.74%
0.88%
0.88%
0.88%
0.74%
0.76%
0.81%

Profit & Loss

₹ Cr
AUBANK profit and loss, annual, ₹ crore
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
20,661
Expenses
209
289
445
832
1,163
1,612
2,224
2,634
3,410
4,629
7,491
8,345
9,169
Financing Profit
212
326
339
109
180
296
142
601
1,016
528
520
768
1,270
Fin. Margin %
30%
32%
26%
6%
6%
7%
3%
10%
12%
5%
3%
4%
6%
Other Income
2
5
810
388
462
706
1,421
994
1,034
1,697
2,526
2,978
2,914
Interest
282
395
496
827
1,607
2,377
2,585
2,688
3,780
5,398
8,052
9,524
10,222
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
4,185
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
3,153
EPS (₹)
2.65
4
14.46
5.11
6.53
11.09
18.75
17.94
21.42
22.93
28.29
35.3
42.11
Div. Payout %
0%
0%
0%
5%
6%
0%
0%
3%
5%
4%
4%
3%
—

Balance Sheet

₹ Cr
AUBANK balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital
44
44
284
286
292
304
312
315
667
669
745
748
751
Reserves
767
965
1,703
1,995
2,871
4,073
5,963
7,199
10,311
11,890
16,422
19,225
20,740
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
14,239
Deposits
—
—
0
7,923
19,422
26,164
35,979
52,585
69,365
87,182
1,24,269
1,52,661
1,70,460
Other Liabilities
346
502
674
989
1,424
1,267
2,307
2,988
3,575
4,205
4,751
5,291
5,614
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
2,11,804
Fixed Assets
19
24
36
380
440
438
477
609
707
784
825
881
1,543
CWIP
0
0
240
6
7
10
5
14
33
67
87
555
0
Investments
140
232
2,150
3,051
7,162
10,668
10,815
15,306
20,072
27,133
37,848
44,794
47,530
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
1,62,731
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
2,11,804

Cash Flow

₹ Cr
AUBANK cash flow, annual, ₹ crore
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

Ratios

AUBANK financial ratios, annual
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

Log in to view AU Small Finance Bank insights

91 extracted metrics across FY09–FY27.

Shareholding Pattern

As of Sep 2026

  • FIIs 36.06%
  • DIIs 32.83%
  • Promoters 22.67%
  • Public 6.20%
  • Others 2.25%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

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.
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 PE ratio of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd trades at a PE ratio of 21.48 as of 4 Nov 2026, on earnings per share of ₹42.11, against a book value of ₹285.88 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 ₹831.65 and ₹1,144.1 as of 4 Nov 2026.
Does AU Small Finance Bank Ltd pay dividends?
AU Small Finance Bank Ltd has a dividend yield of 0.11%.
What is the Return on Equity (ROE) of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd reported a return on equity of 14.20%.

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.

Website aubank.in
CEO Mr. Sanjay Agarwal C.A.
Employees 50,946
Listed 10 Jul 2017
Face Value ₹10

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