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AU Small Finance Bank Ltd.
NSE: AUBANK · Financial Services
₹931.80-0.98%06 Nov 2026
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Instant answers about AU Small Finance Bank Ltd. — computed from its filings, no language modelMarket cap₹70,013 cr
Current price₹931.80
High / Low₹1,129 / ₹843
P/E22.2
P/B3.21
Book value₹290.3
ROE14.5%
ROCE—
Debt / equity—
Dividend yield0.11%
EPS (TTM)₹41.97
Face value₹10
Price & valuation
split & bonus adjusted · pick a metric and rangeAnnual performance
annual · ₹ crore · line = operating margin| FY18† | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|---|---|---|---|
| Total income | 2,163 | 3,411 | 4,992 | 6,402 | 6,915 | 9,240 | 12,301 | 18,590 | 21,614 |
| Pre-provision op. profit | 576 | 722 | 1,197 | 2,159 | 1,815 | 2,019 | 2,515 | 4,581 | 5,089 |
| Operating margin | 26.6% | 21.2% | 24.0% | 33.7% | 26.2% | 21.9% | 20.4% | 24.6% | 23.5% |
| Interest | 827 | 1,606 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 | 8,052 | 9,524 |
| Profit before tax | 443 | 580 | 914 | 1,459 | 1,454 | 1,865 | 1,999 | 2,788 | 3,474 |
| Tax | 151 | 198 | 239 | 288 | 324 | 437 | 465 | 682 | 833 |
| Net profit | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | 2,106 | 2,641 |
| EPS ₹ | — | 13.16 | 22.78 | 38.19 | 36.06 | 21.86 | 22.98 | 28.32 | 35.40 |
| Operating cash flow | — | — | — | — | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Capex | — | — | — | — | 282 | 306 | 346 | 264 | 809 |
| Dividend paid | — | — | — | — | 0 | 32 | 67 | 74 | 75 |
| Total assets | — | — | — | — | — | — | 1,09,426 | 1,57,846 | 1,91,797 |
| Equity | — | — | — | — | — | — | 12,560 | 17,166 | 19,974 |
Quarterly performance
last 38 quarters · ₹ crore| JUN '17† | SEP '17† | DEC '17† | MAR '18† | JUN '18 | SEP '18† | DEC '18 | MAR '19 | JUN '19 | SEP '19† | DEC '19 | MAR '20 | JUN '20 | SEP '20 | DEC '20 | MAR '21 | JUN '21† | SEP '21† | DEC '21† | MAR '22 | JUN '22 | SEP '22† | DEC '22 | MAR '23 | JUN '23 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 419 | 508 | 570 | 666 | 703 | 806 | 894 | 1,007 | 1,168 | 1,184 | 1,273 | 1,367 | 1,410 | 1,498 | 1,925 | 1,569 | 1,538 | 1,596 | 1,772 | 1,978 | 1,979 | 2,240 | 2,413 | 2,608 | 2,773 | 2,957 | 3,186 | 3,385 | 4,315 | 4,549 | 4,732 | 5,031 | 5,189 | 5,224 | 5,451 | 5,750 | 5,992 | 6,382 |
| Pre-provision op. profit | 124 | 144 | 153 | 155 | 152 | 175 | 179 | 216 | 291 | 278 | 313 | 316 | 446 | 466 | 873 | 374 | 451 | 391 | 458 | 482 | 394 | 499 | 556 | 571 | 546 | 648 | 657 | 664 | 988 | 1,132 | 1,205 | 1,292 | 1,312 | 1,210 | 1,215 | 1,352 | 1,435 | 1,514 |
| Operating margin | 29.7% | 28.4% | 26.8% | 23.2% | 21.7% | 21.7% | 20.0% | 21.4% | 24.9% | 23.5% | 24.6% | 23.1% | 31.6% | 31.1% | 45.4% | 23.8% | 29.3% | 24.5% | 25.9% | 24.4% | 19.9% | 22.3% | 23.0% | 21.9% | 19.7% | 21.9% | 20.6% | 19.6% | 22.9% | 24.9% | 25.5% | 25.7% | 25.3% | 23.2% | 22.3% | 23.5% | 24.0% | 23.7% |
| Other income | 58 | 97 | 106 | 134 | 103 | 123 | 106 | 131 | 211 | 151 | 161 | 183 | 226 | 286 | 663 | 277 | 184 | 191 | 276 | 311 | 159 | 247 | 295 | 333 | 315 | 425 | 450 | 556 | 546 | 638 | 618 | 761 | 811 | 713 | 724 | 731 | 689 | 770 |
| Interest | 178 | 191 | 214 | 245 | 314 | 362 | 440 | 490 | 562 | 582 | 605 | 629 | 668 | 652 | 628 | 637 | 629 | 652 | 676 | 730 | 844 | 909 | 965 | 1,062 | 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 | 2,792 |
| Profit before tax | 95 | 103 | 120 | 125 | 117 | 140 | 146 | 176 | 259 | 217 | 273 | 165 | 264 | 409 | 589 | 196 | 275 | 388 | 402 | 389 | 356 | 456 | 523 | 530 | 513 | 533 | 498 | 455 | 669 | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | 1,064 | 1,154 |
| Tax | 34 | 35 | 41 | 42 | 40 | 49 | 51 | 58 | 69 | 45 | 83 | 43 | 64 | 87 | 110 | 27 | 71 | 109 | 100 | 43 | 88 | 113 | 130 | 105 | 126 | 132 | 123 | 84 | 166 | 188 | 175 | 153 | 198 | 168 | 217 | 250 | 268 | 297 |
| Net profit | 62 | 68 | 79 | 83 | 77 | 91 | 95 | 118 | 190 | 172 | 190 | 122 | 201 | 322 | 479 | 169 | 203 | 279 | 302 | 346 | 268 | 343 | 393 | 425 | 387 | 402 | 375 | 371 | 503 | 571 | 528 | 504 | 581 | 561 | 668 | 832 | 796 | 858 |
| EPS ₹ | 2.18 | 2.40 | 2.77 | 2.91 | 2.69 | 3.15 | 3.26 | 4.05 | 6.51 | 5.87 | 6.43 | 4.03 | 6.58 | 10.50 | 15.62 | 5.49 | 6.50 | 8.90 | 9.63 | 11.02 | 4.25 | 5.27 | 5.90 | 6.37 | 5.80 | 6.02 | 5.61 | 5.54 | 6.77 | 7.68 | 7.10 | 6.77 | 7.80 | 7.52 | 8.94 | 11.13 | 10.63 | 11.44 |
| Revenue YoY | — | — | — | — | 67.9% | 58.7% | 56.8% | 51.2% | 66.1% | 46.9% | 42.3% | 35.7% | 20.7% | 26.5% | 51.2% | 14.8% | 9.1% | 6.5% | -7.9% | 26.1% | 28.7% | 40.4% | 36.2% | 31.8% | 40.1% | 32.0% | 32.0% | 29.8% | 55.6% | 53.8% | 48.5% | 48.6% | 20.3% | 14.8% | 15.2% | 14.3% | 15.5% | 22.2% |
| Profit YoY | — | — | — | — | 24.2% | 34.0% | 20.8% | 42.4% | 147.7% | 88.1% | 99.5% | 3.5% | 5.5% | 87.2% | 151.9% | 38.1% | 1.2% | -13.5% | -36.9% | 104.8% | 31.8% | 23.0% | 30.1% | 22.7% | 44.4% | 17.3% | -4.5% | -12.7% | 29.9% | 42.2% | 40.8% | 35.9% | 15.6% | -1.8% | 26.3% | 65.2% | 37.0% | 52.9% |
Returns & margins
trailing-twelve-month, per quarter| MAR '18 | JUN '18 | SEP '18 | DEC '18 | MAR '19 | JUN '19 | SEP '19 | DEC '19 | MAR '20 | JUN '20 | SEP '20 | DEC '20 | MAR '21 | JUN '21 | SEP '21 | DEC '21 | MAR '22 | JUN '22 | SEP '22 | DEC '22 | MAR '23 | JUN '23 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 13.7% | 13.5% | 12.2% | 13.1% | 11.3% | 12.3% | 12.3% | 12.7% | 11.9% | 12.6% | 13.2% | 14.3% | 14.5% |
| Net margin | 13.5% | 12.5% | 12.0% | 11.3% | 11.2% | 12.8% | 13.5% | 14.5% | 13.5% | 13.1% | 15.1% | 18.1% | 18.3% | 18.0% | 17.0% | 14.7% | 16.4% | 16.3% | 15.8% | 15.7% | 15.5% | 15.4% | 14.9% | 13.8% | 12.5% | 11.9% | 11.8% | 11.6% | 11.3% | 11.2% | 10.8% | 11.1% | 12.2% | 12.7% | 13.4% |
| EBITDA margin | 26.6% | 24.7% | 23.1% | 21.5% | 21.2% | 22.2% | 22.6% | 23.7% | 24.0% | 25.8% | 27.8% | 33.9% | 33.7% | 33.1% | 31.5% | 25.9% | 25.9% | 23.6% | 23.0% | 22.4% | 21.9% | 21.6% | 21.6% | 21.0% | 20.4% | 21.4% | 22.3% | 23.5% | 24.8% | 25.3% | 24.9% | 24.1% | 23.5% | 23.3% | 23.4% |
| Asset turnover | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 0.11 | 0.12 | 0.11 | 0.13 | 0.11 | 0.12 | 0.12 | 0.12 | 0.12 | 0.13 | 0.11 | 0.12 | 0.11 |
Balance sheet
equity vs borrowings over time · ₹ crore| SEP '23 | MAR '24 | SEP '24 | MAR '25 | SEP '25 | MAR '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|
| Share capital | 668 | 669 | 744 | 745 | 746 | 748 | 751 |
| Reserves | 11,094 | 11,890 | 15,298 | 16,422 | 17,570 | 19,225 | 21,058 |
| Total equity | 11,763 | 12,560 | 16,041 | 17,166 | 18,316 | 19,974 | 21,810 |
| Deposits | 75,743 | 87,182 | 1,09,693 | 1,24,269 | 1,32,509 | 1,52,661 | 1,70,460 |
| Borrowings | 5,344 | 5,479 | 8,777 | 11,660 | 10,319 | 13,872 | 14,239 |
| Total assets | 95,977 | 1,09,426 | 1,38,829 | 1,57,846 | 1,65,542 | 1,91,797 | 2,11,804 |
| Advances | 64,168 | 73,163 | 94,838 | 1,07,092 | 1,15,705 | 1,34,276 | 1,48,508 |
| Investments | 23,220 | 27,133 | 31,861 | 37,848 | 38,382 | 44,794 | 47,530 |
| Fixed assets | 757 | 852 | 920 | 912 | 1,322 | 1,436 | 1,543 |
| Cash & bank balances | 6,257 | 6,376 | 8,506 | 9,466 | 7,305 | 8,523 | 10,865 |
Cash flow
annual · ₹ crore · line = free cash flow| FY22 | FY23 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|
| Cash from operations | 6,849 | 5,494 | 2,608 | 5,462 | 1,829 |
| Cash from investing | -4,753 | -4,320 | -4,855 | -5,931 | -5,090 |
| Cash from financing | -948 | 2,323 | -802 | 2,407 | 2,318 |
| Capex | 282 | 306 | 346 | 264 | 809 |
| Free cash flow | 6,566 | 5,188 | 2,262 | 5,198 | 1,020 |
| Dividends paid | 0 | 32 | 67 | 74 | 75 |
Where the assets sit
Sep '26 · ₹ croreAdvances₹1,48,508 cr70%
Investments₹47,530 cr22%
Fixed assets₹1,543 cr1%
Cash & bank₹10,865 cr5%
Other assets₹3,358 cr2%
Peer comparison
largest in Financial Services · this company in bold| Company | Market cap ₹cr | Price | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | 12,15,371 | 788.25 | 15.2 | 2.01 | 13.3% |
| ICICI Bank Ltd. | 11,28,090 | 1,571.20 | 19.1 | 2.75 | 14.4% |
| State Bank of India | 9,40,157 | 1,018.50 | 10.4 | 1.36 | 13.1% |
| Bajaj Finance Ltd. | 6,77,005 | 1,087.75 | — | — | — |
| Kotak Mahindra Bank Ltd. | 4,77,499 | 480.00 | 22.2 | 2.45 | 11.0% |
| Axis Bank Ltd. | 4,11,911 | 1,322.90 | 13.8 | 1.79 | 13.0% |
| Shriram Finance Ltd. | 2,26,163 | 961.15 | — | — | — |
| BSE Ltd. | 1,55,002 | 3,800.00 | 50.3 | 19.49 | 38.8% |
| Cholamandalam Investment and Finance Company Ltd. | 1,53,126 | 1,785.00 | — | — | — |
| Jio Financial Services Ltd. | 1,52,665 | 231.20 | — | — | — |
| AU Small Finance Bank Ltd. | 70,013 | 931.80 | 22.2 | 3.21 | 14.5% |
StoxGud checklist: Neutral setup · 4/10
- Price above 50-day average
- Price above 200-day average
- 50-day average above 200-day (uptrend)
- RSI in healthy 40–70 zone
- Positive 1-year return
- Return on equity above 15%
- Debt to equity below 1
- Revenue growing year on year
- Net profit margin above 10%
- P/E below industry median
A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.
Returns & technicals
1 month-6.2%
6 months-9.7%
1 year+5.6%
3Y CAGR+11.4%
5Y CAGR+8.4%
10Y CAGR—
50-day avg₹998.67
200-day avg₹999.86
RSI (14)40
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FAQs
What is the share price of AU Small Finance Bank Ltd.?
AU Small Finance Bank Ltd. (AUBANK) closed at ₹931.80 on NSE on 06 Nov 2026.
What is the market cap of AU Small Finance Bank Ltd.?
₹70,013 crore at the latest close.
What is the P/E ratio of AU Small Finance Bank Ltd.?
22.2, on trailing-twelve-month earnings from its filings.
How fast is AU Small Finance Bank Ltd. growing?
AU Small Finance Bank Ltd.: revenue has compounded at 32.7% a year over three years; net profit at 22.8% a year. Latest-quarter revenue is up 22.2% year on year, profit up 52.9%.
How profitable is AU Small Finance Bank Ltd.?
On a trailing-twelve-month basis return on equity is 14.5%, operating margin 23.4%, net margin 13.4%.
How much debt does AU Small Finance Bank Ltd. have?
Debt to equity isn't meaningful for AU Small Finance Bank Ltd. (banks borrow as part of their business) or isn't filed yet.
Financials parsed from AU Small Finance Bank Ltd.'s own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from JUN '17, annual from FY18, balance sheet from Sep '23. * = derived (full year or half year minus earlier quarters). † = the company's standalone results as published on BSE, used for quarters before JUN '18 and quarters missing from the NSE filings (full years marked † are summed from them); cross-checked against the NSE filings where both exist. Information only, not investment advice.
AU Small Finance Bank Ltd. · advanced chart