MarketFriction

AU Small Finance Bank Ltd

NSE AUBANK · BSE 540611 · Other Bank
₹987.00 -2.31%
NSE close2026-10-01
52 week range719.05 - 1,144.10
Market cap₹75,448 Cr.
P/E26.4
IPO 2017 · +451% since Nifty 200Nifty 500Nifty Midcap 50Nifty Midcap 100Midcap 150Nifty Midcap SelectNifty Bank No price band Delivery 54.8%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue2,5312,7362,8303,7693,9114,1134,2714,3784,5114,7275,0195,303
Interest1,2821,4111,4921,8481,9362,0912,1772,3342,3672,3862,4372,607
Expenses1,1221,2691,3461,7611,8541,9382,1972,0762,1282,1812,2312,321
Financing Profit12756-916012185-104-3216160351375
Financing Margin %5%2%-0%4%3%2%-2%-1%0%3%7%7%
Other Income406442464509638618761811713724731689
Depreciation000000000000
Profit before tax5334984556697597036577797298841,0821,064
Tax %25%25%18%25%25%25%23%25%23%24%23%25%
Net Profit402375371503571528504581561668832796
EPS in Rs6.015.615.546.767.687.106.777.797.528.9411.1210.63
Gross NPA %1.91%1.98%1.67%1.78%1.98%2.31%2.28%2.47%2.41%2.30%2.03%2.10%
Net NPA %0.60%0.68%0.55%0.63%0.75%0.91%0.74%0.88%0.88%0.88%0.74%0.76%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1,0101,2801,7672,9494,2864,9505,9228,20510,55516,06418,63619,561
Interest3954968271,6072,3772,5852,6883,7805,3988,0529,5249,797
Expenses2894458321,1631,6122,2242,6343,4104,6297,4918,3458,861
Financing Profit3263391091802961426011,016528520768903
Financing Margin %32%26%6%6%7%3%10%12%5%3%4%5%
Other Income58103884627061,4219941,0341,6972,5262,9782,857
Depreciation965362891041401852252592720
Profit before tax3231,1434435809141,4581,4541,8651,9992,7883,4743,759
Tax %34%28%34%34%26%20%22%23%23%24%24%
Net Profit2128222923826751,1711,1301,4281,5352,1062,6412,856
EPS in Rs23.9914.465.116.5311.0918.7517.9421.4222.9328.2935.3038.21
Dividend Payout %0%0%5%6%0%0%3%5%4%4%3%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth34%30%31%17%
Compounded Profit Growth29%18%23%31%
Stock Price CAGR%11%12%37%
Return on Equity16%14%14%14%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4444284286292304312315667669745748
Reserves7679651,7031,9952,8714,0735,9637,19910,31111,89016,42219,225
Deposits07,92319,42226,16435,97952,58569,36587,182124,269152,661
Borrowing2,8784,7837,1207,6398,61310,3357,0305,9916,2995,47911,66013,872
Other Liabilities3465026749891,4241,2672,3072,9883,5754,2054,7515,291
Total Liabilities4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797
Fixed Assets192436380440438477609707784825881
CWIP002406710514336787555
Investments1402322,1503,0517,16210,66810,81515,30620,07227,13337,84844,794
Other Assets3,8776,0387,35515,39625,01431,02740,29453,14969,40481,441119,086145,567
Total Assets4,0356,2949,78118,83332,62342,14351,59169,07890,216109,426157,846191,797
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-747-1,938-2,4052,5058486605,0566,8495,4942,6085,4621,829
Cash from Investing Activity-23-33552-1,890-2,305-1,267-990-4,753-4,320-4,855-4,780-5,090
Cash from Financing Activity7821,9642,4485211,4362,237-2,655-9482,323-8022,4072,318
Net Cash Flow12-75961,136-211,6291,4121,1473,497-3,0493,090-943
Free Cash Flow-756-1,952-2,6622,3417245694,9166,5685,1902,2705,2051,027
CFO/OP-139%-254%-250%284%58%35%197%220%122%52%72%27%
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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters25.48%25.47%25.45%22.92%22.91%22.89%22.87%22.85%22.82%22.79%22.76%22.74%
FIIs41.64%41.13%39.37%39.58%40.71%39.34%35.58%37.68%34.50%36.45%37.27%35.98%
DIIs19.56%20.81%22.77%18.44%20.13%21.78%27.16%28.86%31.91%31.27%31.30%32.81%
Public13.31%12.63%12.40%19.06%16.23%15.99%14.39%10.59%10.78%9.51%8.67%8.47%
No. of Shareholders1,59,0371,55,6602,30,1721,95,7621,74,1011,89,4951,92,9871,90,1191,91,5081,81,6351,67,4431,62,894

Fundamentals

Market Cap₹ 75,448 Cr.
Current Price₹ 1,005
Stock P/E26.4
Book Value₹ 267
ROCE7.66 %
ROE14.2 %
Dividend Yield0.10 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)17%
Compounded Profit Growth (TTM)31%
Standalone figures.
Valuation
Market capRs 73,854 Cr
Enterprise valueRs 233,413 Cr
P/E (TTM)25.86x
Price to book3.70x
Price to sales3.78x
EV / EBITDA16.88x
EV / EBIT17.22x
EV / sales11.93x
Price to cash flow40.38x
Earnings yield3.87%
Dividend yield0.10%
P/E, 3-year average22.47x
P/B, 3-year average2.83x
P/E, 5-year average22.36x
P/B, 5-year average2.92x
Profitability
Operating margin (excl. other income)55.22%
Operating margin (incl. other income)71.20%
EBITDA margin70.69%
Pre-tax margin19.22%
Net profit margin14.60%
Net margin, latest quarter15.01%
ROE14.22%
ROCE7.65%
ROA1.51%
ROE, 3-year average13.81%
ROCE, 3-year average7.92%
ROA, 3-year average1.54%
ROE, 5-year average14.65%
ROCE, 5-year average7.67%
ROA, 5-year average1.66%
ROIC (approx.)5.74%
Tax rate23.97%
Other income / net worth14.91%
Growth
Sales growth (latest year)16.02%
Profit growth (latest year)25.42%
Sales CAGR, 3 years31.45%
Sales CAGR, 5 years30.36%
Profit CAGR, 3 years22.75%
Profit CAGR, 5 years17.67%
Sales growth QoQ5.65%
Profit growth QoQ-4.32%
Sales growth YoY (latest quarter)21.11%
Profit growth YoY (latest quarter)37.03%
Per share
EPS (TTM)Rs 38.17
EPS (latest year)Rs 35.30
EPS (latest quarter)Rs 10.64
EPS, 3-year averageRs 28.84
EPS, 5-year averageRs 28.76
Book value per shareRs 266.93
Sales per shareRs 261.41
Cash flow per shareRs 24.44
Free cash flow per shareRs 13.72
Dividend per share (latest year)Rs 1.00
Dividend per share, 3-year averageRs 1.00
Dividend per share, 5-year averageRs 1.00
Dividends
Dividend payout2.83%
Dividend payout, 3-year average3.58%
Dividend payout, 5-year average3.64%
Efficiency
Asset turnover0.10x
Fixed asset turnover21.14x
Leverage
Total debtRs 166,533 Cr
Cash and bankRs 6,973 Cr
Net debtRs 159,559 Cr
Debt to equity8.34x
Net debt / EBITDA11.54x
Interest coverage1.38x
Owners' fund to total sources10.41%
Debt to assets86.83%
Cash flow
Cash from Operating Activity (latest year)Rs 1,829 Cr
Cash from Investing Activity (latest year)Rs -5,090 Cr
Cash from Financing Activity (latest year)Rs 2,318 Cr
Net Cash Flow (latest year)Rs -943 Cr
Free cash flow (latest year)Rs 1,027 Cr
FCFE (approx.: FCF + change in debt)Rs 31,631 Cr
Cash from ops / profit, 5 years2.52x
Sales to cash flow10.19x
Statement figures
Net sales (TTM)Rs 19,561 Cr
Net sales (latest year)Rs 18,636 Cr
Sales (latest quarter)Rs 5,303 Cr
Operating profit excl. other income (latest year)Rs 10,291 Cr
Operating profit (latest quarter)Rs 2,982 Cr
Other income (TTM)Rs 2,857 Cr
EBITDA (TTM)Rs 13,828 Cr
PBDT (TTM)Rs 4,031 Cr
Profit before tax (TTM)Rs 3,759 Cr
Tax (latest year)Rs 833 Cr
Net profit (TTM)Rs 2,856 Cr
Net profit (latest year)Rs 2,641 Cr
Net profit (latest quarter)Rs 796 Cr
Depreciation (TTM)Rs 272 Cr
Interest (TTM)Rs 9,797 Cr
Cost of goods sold (latest year)Rs 376 Cr
Total expenditure (latest year)Rs 8,345 Cr
Total income (latest year)Rs 21,614 Cr
Share capitalRs 748 Cr
ReservesRs 19,225 Cr
Shareholders' fundsRs 19,974 Cr
Total assetsRs 191,797 Cr
Net blockRs 881 Cr
Capital work in progressRs 555 Cr
InvestmentsRs 44,794 Cr
Other liabilitiesRs 5,291 Cr
Shares outstanding (crore)74.83
Ownership
Promoter holding22.74% (-0.11 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 25.9 is at the 6th percentile of its own 9.3-year range (median 37.9, low 20.3, high 114.0).
P/B 3.70 is at the 10th percentile (median 6.31).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodAUBANKNifty 50Difference
1 week-1.3%-2.8% +1.5 pts
1 month-8.5%-6.8% -1.8 pts
3 months-6.7%-7.6% +0.9 pts
6 months+17.1%+0.4% +16.7 pts
1 year+33.1%-9.9% +43.0 pts
2 years+34.1%-13.6% +47.7 pts
3 years+38.3%+14.2% +24.2 pts
5 years+66.7%+27.9% +38.8 pts
234 mutual fund schemes hold about ₹20,282 Cr. Over three months 173 bought more and 26 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
HDFC Mid Cap Fund3.98%4,316 +5%
Nippon India Growth Mid Cap Fund2.93%1,532 +19%
Kotak Flexi Cap Fund1.71%967 +11%
Kotak Flexi Cap Fund1.71%962 +11%
Nippon India Multi Cap Fund1.16%653 +100%
Invesco India Midcap Fund4.05%645 -3%
HDFC Balanced Advantage Fund0.50%533 +12%
Axis Midcap Fund1.22%419 +28%
SBI Flexicap Fund1.80%418 +100%
DSP Midcap Fund1.71%359 +8%
UTI Mid Cap Fund2.76%353 +58%
HSBC Midcap Fund1.78%306 +0%
Aditya Birla SL Flexi Cap Fund1.03%299 +3%
Edelweiss Mid Cap Fund1.50%298 +0%
Invesco India Large & Mid Cap Fund2.53%297 +1%
Aditya Birla SL Focused Fund3.69%294 +11%
Sundaram Mid Cap Fund1.82%270 +22%
Sundaram Mid Cap Fund1.82%264 +22%
Bandhan Large & Mid Cap Fund1.24%260 +63%
UTI Flexi Cap Fund1.00%242 +8%
PGIM India Midcap Fund2.12%238 +10%
HDFC Large & Mid Cap Fund0.70%213 +9%
HDFC Multi Cap Fund1.03%212 +10%
Aditya Birla SL Midcap Fund3.03%211 +7%
Aditya Birla SL Large & Mid Cap Fund3.46%208 +8%

Red flags

F-score 5 of 8
explainLow interest cover Interest cover 1.4x in 2026
lookProfit leans on other income Other income was 86% of pre-tax profit in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2025-11-07Namokar Mining Industries LLP-sell30,000Rs 2.69 CrMarket Sale
2025-08-20Namokar Mining Industries LLP-sell50,000Rs 3.79 CrMarket Sale
2025-08-20Namokar Mining Industries LLP-sell50,000Rs 3.79 CrMarket Sale
2025-08-18Namokar Mining Industries LLP-sell14,684Rs 1.13 CrMarket Sale
2025-06-30Bhargavi ShuklaImmediate relativesell47,400Rs 3.86 CrMarket Sale
2025-06-06Namokar Mining Industries LLP-sell96,106Rs 7.23 CrMarket Sale
2025-03-29Bhargavi ShuklaImmediate relativeother22,544Rs 1.20 CrOff Market
2024-03-28Mayank Markanday-sell675Rs 0.04 CrMarket Sale
2024-03-28Mayank Markanday-other675Rs 0.04 CrRevokation of Pledge
2024-03-28Aditya Sharma-other8,000Rs 0.45 CrPledge Creation
2024-03-27Mayank Markanday-sell500Rs 0.03 CrMarket Sale
2024-03-22Pankaj Sharma-other8,710Rs 0.49 CrPledge Creation
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹5,303 Cr +21.1% vs Jun 2025. Net profit ₹796 Cr +37.0%.

Activity

Compare
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Equitas Small Finance Bank Ltd7,67415.06.43 %
Jana Small Finance Bank Ltd5,32914.07.45 %
Utkarsh Small Finance Bank Ltd2,4721.46 %
ESAF Small Finance Bank Ltd2,2925.65 %
Suryoday Small Finance Bank Ltd1,5388.027.33 %
Capital Small Finance Bank Ltd1,2738.457.07 %
Fino Payments Bank Ltd1,07744.04.41 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-07-31Dividend - Re 1 Per Share
2025-07-04Dividend - Re 1 Per Share
2024-07-12Dividend - Re 1 Per Share
2023-07-14Dividend - Re 1 Per Share
2022-07-28Dividend - Rs 0.50 Per Share
2022-06-09Bonus 1:10.5000
2019-07-18 Annual General Meeting/Dividend - Rs 0.75 Per Share
2018-07-30 Annual General Meeting/Dividend- Re 0.50 Per Share
2017-09-19 Annual General Meeting
DateTypeWhat it says
2026-10-01Credit RatingCredit Rating
2026-09-28Board meeting outcomeOutcome of Board Meeting held on September 28, 2026.
2026-09-24Investor PresentationInvestor Presentation
2026-09-24Investor PresentationInvestor Presentation
2026-09-22ESOPAllotment of 378830 Shares.
2026-09-21Concall / analyst meetSchedule of meet
2026-09-14General UpdatesAppointment of Senior Management Personnel (SMP)
2026-09-09UpdatesWe hereby inform that AU Small Finance Bank ( AU SFB ) has received RBI s letter dated September 8, 2026 according its approval to ICICI Prudential As...
2026-09-08ESOPAllotment of 411669 Shares.
2026-09-07Concall / analyst meetSchedule of meet
2026-09-07Shareholder meetingVoting results.
2026-09-05Shareholder meetingProceedings of Annual General Meeting held on September 05, 2026
2026-08-25Concall / analyst meetSchedule of meet
2026-08-25ESOPAllotment of 647261 Shares.
2026-08-13Shareholder meetingNotice of Annual General Meeting to be held on September 05, 2026
2026-08-10Concall / analyst meetSchedule of meet
2026-08-07ESOPAllotment of 341779 Shares.
2026-07-28Concall / analyst meetTranscript
2026-07-25Concall / analyst meetLink of Recording
2026-07-25Investor PresentationInvestor Presentation
2026-07-25Press ReleaseA press release dated July 25, 2026, titled "Press Release on Unaudited Financial Results of AU Small Finance Bank Limited for the quarter ended on Ju...
2026-07-25Record DateRecord date for the purpose of Dividend is 31-Jul-2026.
2026-07-25UpdatesOutcome of Board Meeting of AU Small Finance Bank Limited .
2026-07-25Board meeting outcomeAU Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-21ESOPAllotment of 303613 Shares.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
Put / call open interest0.84
Max pain (expiry 2026-10-27)1,000
Largest call open interest at1,040
Largest put open interest at1,000
Implied volatility, at the money30.0%
Underlying at snapshot987.00
Open interest by strike around the price, nearest expiry. End-of-day NSE snapshot, 01-Oct-2026 15:40:00. Max pain is the strike where option buyers together would lose the most at expiry.
Trade dateShares sold short
2026-09-304,003
2026-09-2926,000
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-04-01NCLTM/s AU Small Finance Bank Ltd. Vs M/s Coral Infragold Pvt. Ltd.
2021-03-16NCLTAu Small Finance Bank Ltd Vs Prabhu Shanti Real Estate Pvt Ltd
2021-03-04NCLTM/s AU Small Finance Bank Ltd. Vs Coral Infragold Pvt. Ltd.
2021-03-02NCLATSubhash Agrawal VS AU Small Finance Bank Ltd & Anr.
2021-02-09NCLATSubhash Agrawal VS AU Small Finance Bank Ltd & Anr.
2021-01-27NCLTAu Small Finance Bank Ltd Vs Prabhu Shanti Real Estate Pvt Ltd
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of AU Small Finance Bank Ltd?

AU Small Finance Bank Ltd (AUBANK) has a market capitalisation of Rs 75,448 Cr. at the 2026-10-01 close.

What is the P/E ratio of AU Small Finance Bank Ltd?

AU Small Finance Bank Ltd trades at a P/E of 26.4 on trailing twelve-month profit, at the 2026-10-01 close.

What were AU Small Finance Bank Ltd's latest quarterly results?

In the Jun 2026 quarter, AU Small Finance Bank Ltd revenue was Rs 5,303 Cr (+21.1% vs Jun 2025) and net profit was Rs 796 Cr.

What is the 52-week high and low of AU Small Finance Bank Ltd?

The 52-week high is Rs 1,144.10 and the 52-week low is Rs 719.05.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03