AU Small Finance Bank
AUBANK NSE
AU Small Finance Bank
Banks F&ONSE: AUBANK BSE: 540611 Small Finance Bank
Key Fundamentals
MidcapSmall Finance BankBanksMarket Cap
₹77,525 Cr
Volatility
Moderate
P/E Ratio
27.71
EBITDA
₹493 Cr
Return on Equity
38.28%
Debt to Equity
0
Book Value
₹262.93
EPS
₹23.05
52W High
₹1,144.1
52W Low
₹695.65
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 3.97 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
ROE
67.23% higher than
3Y
ROCE
50.78% higher than
3Y
EBITDA Margin (Avg.)
-1.75% lower than
3Y
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 2d agoAI opinion · based on fundamentals
Risk high
AU Small Finance Bank trades at a market cap of ₹77,525 Cr with a P/E of 28x and P/B of 4.05x. The bank has delivered strong compounded sales growth of 30% over 5 years and profit growth of 23% CAGR over 3 years, but carries a modest ROE of ~14% and a low interest coverage ratio, placing it in a high-valuation, moderate-return profile among Indian banking peers.
Bull Case 7
- Compounded sales growth of 34% over the last 10 years demonstrates a sustained ability to scale the loan book and deposit franchise
- TTM profit growth of 31% indicates accelerating earnings momentum relative to the 5-year profit CAGR of 18%
- Median sales growth of 33.4% over the last 10 years is among the highest in the small finance bank category
- 5-year compounded sales CAGR of 30% significantly outpaces the broader banking sector average of mid-teens growth
- Stock has returned 48% over the last 1 year, reflecting strong market re-rating and investor confidence in the growth trajectory
- 3-year compounded profit CAGR of 23% outpaces the 3-year sales CAGR of 31% on a relative basis, suggesting improving operating leverage over time
- Consistent ROE of 14% across both 3-year and 5-year periods shows earnings stability without sharp cyclical swings
Bear Case 8
- P/B ratio of 4.05x is elevated for a small finance bank generating only ~14% ROE, implying the market is pricing in significant future improvement
- ROE of ~14% over the last 3 years is modest relative to top-tier private banks that deliver 15-18%, yet AUBANK trades at a premium valuation
- Low interest coverage ratio flags vulnerability to margin compression or rising funding costs in a tighter liquidity environment
- P/E of 28x is at a premium to many established private sector banks, leaving limited room for earnings disappointment
- Dividend yield of just 0.09% offers negligible income return, making the stock entirely dependent on capital appreciation
- 10-year ROE of 16% has trended down to 14% in recent years, suggesting dilution or competitive pressure is weighing on return ratios
- 5-year stock CAGR of 12% lagged the 5-year profit CAGR of 18%, indicating periods of valuation de-rating despite earnings growth
- As a small finance bank, AUBANK faces regulatory constraints on lending mix and priority sector targets that larger universal banks do not
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 3h ago Positives 1
- AGM approves dividend, fundraising Sep 5
Shareholders approved a ₹1 dividend and special resolutions for debt and equity capital raises at the 31st AGM on September 5, 2026.
Neutral 2
- ICICI Pru AMC stake approved Sep 9
RBI approved ICICI Prudential AMC to acquire up to 9.95% stake in AU Small Finance Bank, a standard regulatory clearance.
- Analyst and investor meetings scheduled Sep 7
AU Small Finance Bank scheduled analyst and investor meetings on September 10 and 17, and will participate in the Goldman Sachs Asia Leaders Conference in Hong Kong on August 31–September 1, 2026.
TL;DR: AU Small Finance Bank is actively engaging institutional investors through multiple scheduled meets and a Hong Kong conference, signaling confidence in its growth story. The RBI's approval for ICICI Prudential AMC to acquire up to 9.95% stake reflects credible institutional interest. AGM approvals for dividend and fundraising provide capital flexibility. No material headwinds are visible in recent news, and the trend appears stable to mildly positive.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 23% | 55% | 14% | 14% | 18% | 22% | 16% | 15% | 13% | 14% | 14% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view AU Small Finance Bank insights
73 extracted metrics + investor summaries across FY08–FY27.
Documents
2
Outcome Of Board Meeting Of AU Small Finance Bank Limited (The Bank) Held On April 27 2026 27 Apr 2026
3
Outcome Of Board Meeting Of AU Small Finance Bank Limited (The Bank) Held On January 20 2026 20 Jan 2026
1
Approval Granted By Reserve Bank Of India (RBI) To Kotak Mahindra Bank Limited For Acquiring Aggregate Holding Of Up To 9.99% Of The Paid-Up Share Capital Or Voting Rights Of The Bank
7 May - RBI approved Kotak Mahindra Bank’s up to 9.99% holding in AU Small Finance Bank. 7 May - RBI approved Kotak Mahindra Bank’s up to 9.99% holding in AU Small Finance Bank.
2
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Apr - The Bank has allotted 1,96,822 equity shares of face value of Rs. 10/- each on April 30, 2026, pursuant to exercise of equivalent number of … 30 Apr - The Bank has allotted 1,96,822 equity shares of face value of Rs. 10/- each on April 30, 2026, pursuant to exercise of equivalent number of …
3
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 Apr - The Bank has allotted 1,96,822 equity shares of face value of Rs. 10/- each on April 30, 2026, pursuant to exercise of equivalent number of … 30 Apr - The Bank has allotted 1,96,822 equity shares of face value of Rs. 10/- each on April 30, 2026, pursuant to exercise of equivalent number of …
4
Non-Applicability Of Provisions Related To Chapter XII Of SEBI Circular Dated October 15, 2025, W.R.T. Fund Raising By Issuance Of Debt Securities By Large Entities
29 Apr - AU Small Finance Bank says SEBI Chapter XII debt-raising provisions are not applicable to it. 29 Apr - AU Small Finance Bank says SEBI Chapter XII debt-raising provisions are not applicable to it.
5
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
29 Apr - Transcript of the conference call held on Monday, April 27, 2026 for the Financial Results of AU Small Finance Bank Limited ('the Bank') for the … 29 Apr - Transcript of the conference call held on Monday, April 27, 2026 for the Financial Results of AU Small Finance Bank Limited ('the Bank') for the …
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 ₹77,525 Cr, 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 27.71, on earnings per share of ₹23.05, against a book value of ₹262.93 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 ₹695.65 and ₹1,144.1.
Does AU Small Finance Bank Ltd pay dividends?
AU Small Finance Bank Ltd has a dividend yield of 0.09%.
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
Issued Size 74,69,32,077
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