AUBANK · NSE · Other Bank
AU Small Finance Bank Ltd
What the numbers mean, from its filings and the exchange. Data as of 13 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
dear
low confidence
No valuation within 120 days; P/E 25.7 vs peers 10.0 (17th of 20); P/B 3.2 vs peers 1.1 (20th of 20).
Statements through FY2026Prices adjusted for 1 corporate actionNot yet reviewed by the adversarial model
What is AU Small Finance Bank's share price today?
AU Small Finance Bank last traded at ₹988.00 on the NSE, as of 13 Oct 2026, 11:45 am IST, up 1.1% on the day, up 27.4% over a year. Its 52-week range is ₹755 to ₹1,144. The live price is in the app.
₹988.00
+1.1% today
+27.4% over 1 year · NSE, as of 13 Oct 2026, 11:45 am IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range60% of the way up
Low ₹755High ₹1,144
What is AU Small Finance Bank's market cap?
AU Small Finance Bank's market capitalisation is about ₹73,424 crore: what it would cost to buy every share at today's price. That makes it the 47th largest mid cap company we cover.
₹73,424 Cr
Mid Cap47th largest mid cap company
Share price₹988.00
×
Shares in issue74 crore
=
Market cap₹73,424 Cr
Mid Cap means the companies ranked 101 to 250 by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: AUBANK
- ISIN
- INE949L01017
- Cap bucket
- Mid Cap, 47th largest by market cap
- Industry (NSE)
- Financial Services › Banks › Other Bank
- Listed since
- 2017
- Futures and options
- Traded
Is AU Small Finance Bank overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 25.7 vs peers 10.0 (17th of 20); P/B 3.2 vs peers 1.1 (20th of 20).
Valuation
Latest price and trailing 12 months
P/E
25.69
vs peers 10.0 · 17th of 20
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
3.20
vs peers 1.1 · 20th of 20
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹73,424 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
2.90
vs peers 6.8 · 7th of 16
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
1.50
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is AU Small Finance Bank a quality business?
Quality score 57.9, 7th of 20 in its peer set; CLEAN on 21 of 22 lender flags judged.
Quality and risk
Data as of 13 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
57.9
vs peers 47.9 · 7th of 20
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
CLEAN
21 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin
5.6%
vs peers 3.2% · 3rd of 20
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
2.1%
vs peers 1.8% · 14th of 20
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
0.8%
vs peers 0.4% · 18th of 20
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
64.1%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
1.3%
vs peers 0.7% · 15th of 20
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
57.9%
vs peers 51.4% · 15th of 20
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
1.5%
vs peers 1.1% · 5th of 20
Profit as a share of average total assets. Learn more →
CET1 ratio
17.1%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
25.4%
vs peers 16.5% · 2nd of 20
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
22.9%
vs peers 12.1% · 3rd of 20
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has AU Small Finance Bank made money for shareholders?
Yes: +27.4% over one year and +11.7% a year over five years.
Shareholder returns
5-year return
+11.7% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
−4.9%1M
−4.9%3M
−7.8%6M
−0.2%1Y
+27.4%3Y
+14.7%5Y
+11.7%Does AU Small Finance Bank pay a dividend?
AU Small Finance Bank last paid ₹1.00 a share, ex-dividend 31 Jul 2026; nothing in the past 12 months counts toward a yield.
Dividends
Per share, by ex-dividend date
31 Jul 2026 · Final₹1.00
4 Jul 2025 · Final₹1.00
12 Jul 2024 · Final₹1.00
14 Jul 2023 · Final₹1.00
28 Jul 2022 · Final₹0.50
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.
Is AU Small Finance Bank growing?
Loan growth 25.4%; deposit growth 22.9%; revenue 3 years 32.8% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
25.4%
vs peers 16.5% · 2nd of 20
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
22.9%
vs peers 12.1% · 3rd of 20
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
32.8% a year
vs peers 13.8% · 1st of 20
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
17.1% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
26.5% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
13.2% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did AU Small Finance Bank do last quarter?
AU Small Finance Bank reported income of ₹5,992 Cr, up 68.2% on a year earlier in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹5,992 Cr
+68.2% on a year earlier
What the company took in over the quarter.
How does AU Small Finance Bank compare with its peers?
Compared with 19 Banks (the industry, as the basic industry was too small); 17th of 20 on P/E; 7th of 20 on quality score.
Compared with 19 Banks (the industry, as the basic industry was too small)
19 companies
- AU Small Finance Bank Ltd (this page)
- Punjab National Bank
- Union Bank of India
- Bank of Baroda
- Indian Bank
- Canara Bank
- IDBI Bank Ltd
- Federal Bank Ltd
- IDFC First Bank Ltd
- IndusInd Bank Ltd
- RBL Bank Ltd
- Yes Bank Ltd
- Bank of Maharashtra
- Bank of India
- Indian Overseas Bank
- Karur Vysya Bank Ltd
- UCO Bank
- Central Bank of India
- Bandhan Bank Ltd
- City Union Bank Ltd
AU Small Finance Bank against its peers
Largest 10 of 19 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
AU Small Finance Bank Ltd₹73,424 Cr25.73.214.2%+27.4%
Peer median—10.01.113.2%+5.9%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns AU Small Finance Bank?
AU Small Finance Bank is held by promoters 22.7%, foreign institutions 36.0%, domestic institutions 32.8%.
Shareholding pattern
Latest filing, percent of shares
Promoters22.7%
The founders and controlling group.
Foreign institutions36.0%
Overseas funds investing through the FPI route.
Domestic institutions32.8%
Indian insurers, banks, pension and mutual funds together.
Mutual funds24.4%
Indian mutual fund schemes; part of domestic institutions.
Retail and others2.0%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What do analysts say about AU Small Finance Bank?
29 analysts cover AU Small Finance Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
Analyst consensus
29 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.
What does AU Small Finance Bank do and what is it sensitive to?
AU Small Finance Bank Limited serves underserved and unbanked segments as well as urban and emerging India, through branches, digital channels and assisted channels across 21 states and 4 union territories. Sensitive to: energy prices and geopolitical disruption.
Business-model card
FY2026 · 37 verified
4Revenue
4Channels
2Regulators
3Reg. dependencies
5Sensitivities
3Costs
3Geographies
AU Small Finance Bank Limited serves underserved and unbanked segments as well as urban and emerging India, through branches, digital channels and assisted channels across 21 states and 4 union territories. It earns mainly from interest on retail loans and fees, with treasury and wholesale lending also contributing.
Revenue by segment
2026-03-31
Retail banking- Other Retail Banking73.0%
Treasury14.8%
Wholesale banking9.8%
Other banking operations2.4%
Retail banking- Digital Banking*0.0%
Revenue engine
4 verified
Retail banking (Other Retail Banking) (73.0%)
Earns interest on retail loans, fees from services rendered and income from credit card operations.
Treasury (14.8%)
Interpretation: the excerpt does not state how treasury earns. It refers to treasury activities and derivative transactions whose risk profile is expanding.
Wholesale banking (9.8%)
Earns interest on loans made to large corporates, emerging corporates, public sector units, government bodies, financial institutions and medium scale enterprises.
1 more statement
Other banking operations
Earns income from para banking activities such as third-party product distribution, less the associated costs.
Customers & channels
4 verified
Underserved, unbanked and urban or emerging India customers
The stated core mission is financial services for underserved and unbanked segments, while also serving the evolving needs of urban and emerging India.
Affluent, professional, NRI and MSME customers
Segment-specific propositions for affluent, emerging affluent, professionals, NRIs and MSMEs, linked to salary, savings, current and term deposit products.
Branch, digital and assisted channels
Branches, contact centres, video banking, mobile platforms and assisted digital channels are run as one customer journey, so that a customer can start digitally and finish at a branch.
1 more statement
Integrated physical and digital distribution
Branches, ATMs, sourcing centres, payment systems, assisted channels and digital platforms are described as one ecosystem.
Regulators
2 verified
Reserve Bank of India (RBI)
Governs the bank's operations through guidelines and regulatory returns, with compliance monitored against RBI guidelines and FEMA.
RBI Master Direction on shareholding in banking companies
Governs the acquisition and holding of shares or voting rights in the bank.
Regulatory dependencies
3 verified
Internal limits stricter than regulatory limits
Interpretation: the bank holds a buffer above regulatory limits on liquidity, deposit and regulatory ratios, so a tighter regulatory limit would narrow that buffer rather than create a breach.
FEMA and RBI rules on foreign exchange
Interpretation: FEMA compliance governs the foreign-exchange side of the business, which the excerpts link to NRI propositions and FX market risk.
Shareholding rules for banking companies
Interpretation: the Master Direction sets the rules for acquiring and holding voting shares, which would constrain changes in ownership of the bank.
Sensitivities
5 verified
Energy prices and geopolitical disruption
A prolonged disruption that raises energy prices creates inflationary pressure across the economy. Interpretation: this would feed through to borrower stress and funding costs.
Interest rates
Interpretation: prolonged rate volatility affects the bank's interest margins and the value of its investment and treasury book. The excerpt names the risk without a direction.
Foreign exchange and market prices
Adverse FX and market-price movements affect the trading and investment activities. Interpretation: this is the treasury exposure.
2 more statements
Food and fuel inflation
Inflation risk from food and fuel could influence public policy responses. Interpretation: rate and policy responses would follow.
Borrower default
Credit risk is the potential loss from a borrower's or counterparty's failure to meet contractual obligations. Interpretation: a downturn that raises defaults would raise credit cost.
Cost inputs
3 verified
Interest on deposits and borrowings, and personnel costs
Retail segment expenses are primarily interest on borrowed funds, interest on deposits, personnel costs, and branch network and channel infrastructure.
Cost-to-assets ratio
Tracks operating cost relative to assets. The excerpt shows 4.4% (2024), 4.3% (2025) and 4.1% (2026), and the ratio excludes CGFMU premium.
Cloud and hybrid infrastructure
Technology cost line under the RUN agenda, described as a continuous refresh.
Geographies
3 verified
India, 21 states and 4 union territories
The only market served; the bank has no international locations.
Urban, semi-urban and rural India
Distribution is extended across these three types of area.
Domestic segment only
Treated as a single geographic segment, domestic.
Each statement is checked word for word against the FY2026 annual report; the passages are in the app.
What changed recently?
Dividend - Re 1 Per Share (31 Jul 2026).
Change log
8 entries · newest first
- Corporate actionDividend - Re 1 Per Share.
- Results filedQ1 FY2027 results filed.
- Results filedQ4 FY2026 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Results filedQ1 FY2026 results filed.
- Corporate actionDividend - Re 1 Per Share.
- Results filedQ4 FY2025 results filed.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsCLEAN on 21 of 22 lender flags judged; no red flag; 1 could not be judged.
- Data gapsDividend yield, Business quality, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓111 months of month-end prices, adjusted for bonuses and splits (1 corporate action)○no valuation of ours yet✓business-model card FY2026 · 37 verified
Questions people ask
What is AU Small Finance Bank's share price today?
AU Small Finance Bank last traded at ₹988.00 on the NSE, as of 13 Oct 2026, 11:45 am IST, up 1.1% on the day, up 27.4% over a year. Its 52-week range is ₹755 to ₹1,144. The live price is in the app.
What is AU Small Finance Bank's market cap?
AU Small Finance Bank's market capitalisation is about ₹73,424 crore: what it would cost to buy every share at today's price. That makes it the 47th largest mid cap company we cover.
Is AU Small Finance Bank Ltd a large cap, mid cap or small cap?
AU Small Finance Bank Ltd (AUBANK) is a mid cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is AU Small Finance Bank Ltd's P/E ratio?
25.69, vs peers 10.0 · 17th of 20. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is AU Small Finance Bank Ltd overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 25.7 vs peers 10.0 (17th of 20); P/B 3.2 vs peers 1.1 (20th of 20).
How does AU Small Finance Bank Ltd make money?
AU Small Finance Bank Limited serves underserved and unbanked segments as well as urban and emerging India, through branches, digital channels and assisted channels across 21 states and 4 union territories. It earns mainly from interest on retail loans and fees, with treasury and wholesale lending also contributing.
Why is there no Altman Z or debt to equity for AU Small Finance Bank?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are AU Small Finance Bank Ltd's peers?
Compared with 19 Banks (the industry, as the basic industry was too small): Punjab National Bank, Union Bank of India, Bank of Baroda, Indian Bank, Canara Bank and 14 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did AU Small Finance Bank do last quarter?
AU Small Finance Bank reported income of ₹5,992 Cr, up 68.2% on a year earlier in the Jun 2026 quarter.
Who owns AU Small Finance Bank?
AU Small Finance Bank is held by promoters 22.7%, foreign institutions 36.0%, domestic institutions 32.8%.
Does AU Small Finance Bank pay a dividend?
AU Small Finance Bank last paid ₹1.00 a share, ex-dividend 31 Jul 2026; nothing in the past 12 months counts toward a yield.
What do analysts say about AU Small Finance Bank?
29 analysts cover AU Small Finance Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
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