AU Small Finance Bank Limited
₹864.00-₹15.50 (-1.8%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹72,691 Cr
- P/E
- 33.4x
- Revenue
- ₹16,064 Cr
- ROCE
- 0.4%
Price chart
Technical chartScreen technicals →-1.6% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -14.9%
- 3M
- -16.1%
- 6M
- -15.1%
- 1Y
- -1.6%
- 5Y
- +41.2%
52-week range
Day change -₹15.50 (-1.8%) from ₹880 to ₹864 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in AUBANK, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 19.8%
Concerns1
- Other income is 84.9% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments.
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AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.
- Sector
- Financial Services
- Shares outstanding
- 74.8 Cr shares
- ISIN
- INE949L01017
- BSE code
- 540611
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹72,691 Cr
- P/E
- 33.4x
- P/B
- 4.0x
- Earnings yield
- 3.0%
- 52-week high
- ₹1,125.35
- 52-week low
- ₹842.75
Profitability
- ROE
- 12.3%
- ROCE
- 0.4%
- Dividend payout
- 4.0%
- Tax rate
- 23.0%
- Other income, % of PBT
- 84.9%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹16,064 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 52.2%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 19.8%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,697 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 64.1%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 37.2%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 17.9%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,608 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -52.5%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3,090 Cr
Solvency and efficiency
- CFO / Net profit
- 1.70
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹13 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹8,052 Cr |
| Revenue | Expenses | ₹7,492 Cr |
| Revenue | Financing profit | ₹520 Cr |
| Financing profit | Depreciation | ₹259 Cr |
| Financing profit | Profit before tax | ₹261 Cr |
| Other income | Profit before tax | ₹2,526 Cr |
| Profit before tax | Tax and other | ₹682 Cr |
| Profit before tax | Net profit | ₹2,106 Cr |
Revenue and net profit
Revenue grew 52.2% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹4,950 Cr | ₹1,171 Cr |
| FY2022 | ₹5,922 Cr | ₹1,130 Cr |
| FY2023 | ₹8,205 Cr | ₹1,428 Cr |
| FY2024 | ₹10,555 Cr | ₹1,535 Cr |
| FY2025 | ₹16,064 Cr | ₹2,106 Cr |
Cash flows
FY2025: ₹5,462 Cr from operations, ₹682 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹5,056 Cr | ₹4,066 Cr |
| FY2022 | ₹6,849 Cr | ₹2,096 Cr |
| FY2023 | ₹5,494 Cr | ₹1,174 Cr |
| FY2024 | ₹2,608 Cr | -₹2,247 Cr |
| FY2025 | ₹5,462 Cr | ₹682 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹16,064 Cr+52.2%1Y
- Net profit
- ₹2,106 Cr+37.2%1Y
- Cash from operations
- ₹5,462 Cr+109.4%1Y
- Free cash flow
- ₹682 Cr
- Revenue CAGR, 5Y
- 19.8%
- EBITDA CAGR, 5Y
- 19.2%
- Net profit CAGR, 5Y
- 17.9%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹16,064 Cr | ₹520 Cr | — | ₹2,106 Cr | ₹5,462 Cr | ₹682 Cr | — | +52.2% | +37.2% |
Monthly returns
Month-by-month returns of AUBANK across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.6 L Cr |
| Equity capital | ₹745 Cr |
| Reserves | ₹16,422 Cr |
| Deposits | ₹1.2 L Cr |
| Borrowings | ₹11,660 Cr |
| Other liabilities | ₹4,751 Cr |
| Assets | ₹1.6 L Cr |
| Fixed assets | ₹825 Cr |
| Capital work in progress | ₹87 Cr |
| Investments | ₹37,848 Cr |
| Other assets | ₹1.2 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
AUBANK trades at 33.4x earnings against a peer median of 26.9x (a 24% premium).
Not shown (no positive earnings and no EV / Sales): IndusInd Bank Ltd.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| AU Small Finance Bank LimitedAUBANKthis companyP/E ↑ premium | ₹72,691 Cr | 33.4x | 4.0x | 12.3% | — |
| SBI CARDS AND PAYMENT SERVICES LIMITEDSBICARD | ₹81,669 Cr | 42.6x | 5.5x | 13.9% | — |
| Bajaj Housing Finance LimitedBAJAJHFL | ₹78,507 Cr | 33.2x | 3.7x | — | — |
| L&T Finance LimitedLTF | ₹72,200 Cr | 27.0x | 2.8x | 10.3% | 15.4x |
| Yes Bank Ltd.YESBANK | ₹71,482 Cr | 25.5x | 1.5x | 5.0% | — |
| IDFC FIRST BANK LIMITEDIDFCFIRSTB | ₹71,318 Cr | 48.9x | 1.3x | 4.0% | — |
| IndusInd Bank Ltd.INDUSINDBK | ₹70,915 Cr | — | 1.1x | 4.1% | — |
| Indian Overseas BankIOB | ₹68,014 Cr | 16.0x | 2.0x | 10.2% | — |
| Bank of IndiaBANKINDIA | ₹67,198 Cr | 6.8x | 0.8x | 11.7% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
AUBANK since 1 January, against earlier years.
Historical volatility
AUBANK's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 3.0% |
| FY2022 | 10.0% |
| FY2023 | 12.0% |
| FY2024 | 5.0% |
| FY2025 | 3.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹16,064 Cr |
| Costs | |
| Interest | ₹8,052 Cr |
| Expenses | ₹7,491 Cr |
| Financing profitFinancing Profit | ₹520 Cr |
| Financing marginFinancing Margin % | 3.0% |
| Other income and charges | |
| Profit before tax | ₹2,788 Cr |
| Tax | |
| Net profitNet Profit | ₹2,106 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.6 L Cr |
| Equity capitalEquity Capital | ₹745 Cr |
| Reserves | ₹16,422 Cr |
| Deposits | ₹1.2 L Cr |
| BorrowingsBorrowing | ₹11,660 Cr |
| Other liabilitiesOther Liabilities | ₹4,751 Cr |
| AssetsTotal Assets | ₹1.6 L Cr |
| Fixed assetsFixed Assets | ₹825 Cr |
| Capital work in progressCWIP | ₹87 Cr |
| Investments | ₹37,848 Cr |
| Other assetsOther Assets | ₹1.2 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹5,462 Cr |
| Investing cash flowCash from Investing Activity | -₹4,780 Cr |
| Financing cash flowCash from Financing Activity | ₹2,407 Cr |
| Change in cashNet Cash Flow | ₹3,090 Cr |
Learn while you research
Academy chapters picked for AU Small Finance Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 33.4, learn when high multiples are justified.6 min read
- 04 Growth Investing52% revenue growth is in the top tier, learn how to value growth.7 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read