AU Small Finance Bank Ltd Stock Price Today (NSE: AUBANK)
Fundamental Score
AU Small Finance Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
AU Small Finance Bank Ltd share price today is ₹1060.00, up +1.21% on NSE/BSE as of 3 August 2026. AU Small Finance Bank Ltd (AUBANK) is a Large-cap company in the Other Bank sector with a market capitalisation of ₹77.95K (Cr). The 52-week high for AUBANK share price is ₹1090.40 and the 52-week low is ₹682.15. At a P/E ratio of 29.51x, AUBANK is currently trading above its industry average P/E of 18.38x. The company has a Return on Equity (ROE) of 14.32% and a debt-to-equity ratio of 8.44.
AU Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
AU Small Finance Bank Ltd share price chart: -0.39% return over the past month. 52-week high ₹1090.40, 52-week low ₹682.15.
AU Small Finance Bank Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1035.00 | ₹1057.40 | ₹1034.90 | ₹1047.30 | 22.16L (Cr) | |
| ₹1040.00 | ₹1040.30 | ₹1022.60 | ₹1030.70 | 12.94L (Cr) | |
| ₹1067.90 | ₹1068.80 | ₹1040.00 | ₹1042.30 | 13.82L (Cr) | |
| ₹1051.90 | ₹1059.60 | ₹1043.90 | ₹1047.70 | 15.69L (Cr) | |
| ₹1021.00 | ₹1062.00 | ₹1021.00 | ₹1052.20 | 50.47L (Cr) | |
| ₹969.00 | ₹1015.90 | ₹967.40 | ₹1004.00 | 18.26L (Cr) | |
| ₹980.00 | ₹989.30 | ₹960.00 | ₹978.70 | 23.97L (Cr) | |
| ₹994.00 | ₹1006.80 | ₹994.00 | ₹1003.30 | 10.82L (Cr) | |
| ₹1036.00 | ₹1038.60 | ₹989.60 | ₹993.30 | 33.85L (Cr) | |
| ₹1035.10 | ₹1037.00 | ₹1018.30 | ₹1030.20 | 7.49L (Cr) |
AU Small Finance Bank Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1035.90 | ₹1090.40 | ₹960.00 | ₹1047.30 | +1.10% | |
| ₹989.40 | ₹1079.20 | ₹941.40 | ₹1037.05 | +4.82% | |
| ₹1023.70 | ₹1052.30 | ₹948.00 | ₹984.70 | -3.81% | |
| ₹859.65 | ₹1079.55 | ₹831.65 | ₹1015.95 | +18.18% | |
| ₹895.05 | ₹980.15 | ₹836.10 | ₹842.70 | -5.85% | |
| ₹965.00 | ₹1039.20 | ₹950.00 | ₹958.35 | -0.69% | |
| ₹994.50 | ₹1029.95 | ₹944.10 | ₹982.35 | -1.22% | |
| ₹955.40 | ₹1007.25 | ₹938.40 | ₹994.50 | +4.09% | |
| ₹877.00 | ₹962.65 | ₹863.75 | ₹955.25 | +8.92% | |
| ₹728.00 | ₹886.45 | ₹719.05 | ₹877.85 | +20.58% | |
| ₹721.10 | ₹759.75 | ₹682.15 | ₹731.40 | +1.43% | |
| ₹741.05 | ₹800.00 | ₹716.30 | ₹718.05 | -3.10% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Overvalued growth story with regulatory and liquidity risks; universal bank transition priced in.
WHAT'S HAPPENING NOW (last 2-4 weeks)
AU Small Finance Bank (AUBANK) is showing mixed signals. On April 8, 2026, the stock surged 8.3%. However, prior to that, on March 23, 2026, it hit an intraday low, declining 5.28% due to selling pressure.
CORE STORY (THE REAL GAME)
- Q3 FY26 earnings beat with 26% profit growth
- Strong deposit growth indicates franchise strength
- Improving asset quality provides earnings tailwind
- Successful transition to universal bank status
- RBI policy changes impacting SFBs
- Significant contract wins or partnerships
- Micro/SME focus creates inherent liquidity risk
- Haryana government de-empanelment signals regulatory vulnerability
- High valuation relative to industry P/E
FIIs decreased holdings by 3.18%, while DIIs increased by 3.05%
RBI projects India's real GDP growth at 6.9%, but warns of Iran war-fueled inflation risks
Yes; Free Cash Flow 5Y is ₹24149.55 Cr
AUBANK's 3-6 month outlook hinges on maintaining growth momentum while managing asset quality. Successful navigation of the universal bank transition is crucial.
Primary Thesis Risk
Asset quality deterioration in micro/SME book can trigger a sharp derating.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
AU Small Finance Bank Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
AU Small Finance Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of AUBANK across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (54.90%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (65.15%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (17.53%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (30.36% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (17.66% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹20260.21 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 68.57%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Suboptimal ROCE (7.66%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 8.44)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.36x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (22.76%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
AU Small Finance Bank Ltd vs Other Bank Peers
Peer Comparison - Other Bank
Compare AU Small Finance Bank Ltd with 8 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
AU Small Finance Bank LtdAU Small Financ...Selected✓ AUBANK • 540611 | 50.3/100 | ₹1060.00₹1060 | ₹77953.04₹77953.04 | 29.51Average 29.5 Average | 14.32%Average 14.32% Average | 7.66%Poor 7.66% Poor | 8.44Poor 8.4 Poor | 17.66%Excellent 17.66% Excellent | 30.36%Excellent 30.36% Excellent | 0.10% |
Ujjivan Small Finance Bank LtdUjjivan Small F... UJJIVANSFB • 542904 | 55.1/100 | ₹71.75₹72 | ₹12745.17₹12745.17 | 18.38Average 18.4 Average | 10.75%Average 10.75% Average | 7.73%Poor 7.73% Poor | 7.25Poor 7.3 Poor | 193.92%Excellent 193.92% Excellent | 19.82%Excellent 19.82% Excellent | 0.00% |
Equitas Small Finance Bank LimitedEquitas Small F... EQUITASBNK • 543243 | 26.7/100 | ₹75.21₹75 | ₹9135.16₹9135.16 | 88.62Average 88.6 Average | 1.69%Poor 1.69% Poor | 6.44%Poor 6.44% Poor | 8.54Poor 8.5 Poor | -23.14%Poor -23.14% Poor | 16.29%Excellent 16.29% Excellent | 0.00% |
Jana Small Finance Bank LtdJana Small Fina... JSFB • 544118 | 48.4/100 | ₹575.00₹575 | ₹5150.12₹5150.12 | 13.56Average 13.6 Average | 7.63%Poor 7.63% Poor | 7.45%Poor 7.45% Poor | 9.31Poor 9.3 Poor | 28.81%Excellent 28.81% Excellent | 16.47%Excellent 16.47% Excellent | 0.00% |
Utkarsh Small Finance Bank LimitedUtkarsh Small F... UTKARSHBNK • 543942 | 19/100 | ₹14.62₹15 | ₹2662.17₹2662.17 | — — | -40.03%Poor -40.03% Poor | 1.46%Poor 1.46% Poor | 8.82Poor 8.8 Poor | — — | 16.40%Excellent 16.40% Excellent | 0.00% |
Suryoday Small Finance Bank LtdSuryoday Small ... SURYODAY • 543279 | 42.4/100 | ₹161.92₹162 | ₹2013.48₹2013.48 | 13.25Average 13.3 Average | 7.59%Poor 7.59% Poor | 7.33%Poor 7.33% Poor | 8.24Poor 8.2 Poor | 66.52%Excellent 66.52% Excellent | 22.72%Excellent 22.72% Excellent | 0.79% |
Esaf Small Finance Bank LtdEsaf Small Fina... ESAFSFB • 544020 | 34.9/100 | ₹42.05₹42 | ₹1851.39₹1851.39 | — — | -8.92%Poor -8.92% Poor | 5.64%Poor 5.64% Poor | 16.07Poor 16.1 Poor | — — | 16.60%Excellent 16.60% Excellent | 0.00% |
Fino Payments Bank LtdFino Payments B... FINOPB • 543386 | 37.8/100 | ₹159.09₹159 | ₹1416.30₹1416.30 | 25.35Average 25.4 Average | 7.37%Poor 7.37% Poor | 4.53%Poor 4.53% Poor | 5.08Poor 5.1 Poor | 21.49%Excellent 21.49% Excellent | 65.07%Excellent 65.07% Excellent | 0.00% |
Capital Small Finance Bank LtdCapital Small F... CAPITALSFB • 544120 | 40.7/100 | ₹291.70₹292 | ₹1351.01₹1351.01 | 9.56Average 9.6 Average | 10.09%Average 10.09% Average | 7.07%Poor 7.07% Poor | 7.20Poor 7.2 Poor | 28.23%Excellent 28.23% Excellent | 15.44%Excellent 15.44% Excellent | 1.69% |
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AU Small Finance Bank Ltd PE Ratio History
Historical price-to-earnings ratio for AUBANK — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹28.24 | ₹994.50 | 35.2x |
| FY 2024 | ₹22.86 | ₹559.10 | 24.5x |
| FY 2023 | ₹21.74 | ₹787.40 | 36.2x |
| FY 2022 | ₹17.85 | ₹654.45 | 36.7x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
AU Small Finance Bank Ltd Dividend History
Annual cash dividends paid by AUBANK — dividend yield 0.10%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹74.32 Cr |
| FY 2024 | ₹66.70 Cr |
| FY 2023 | ₹31.51 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
AU Small Finance Bank Ltd Quarterly Performance
Latest quarterly metrics for AUBANK — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
17.53%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
65.15%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
30.36%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
17.66%
Compounded annual net profit growth over 5 years
AU Small Finance Bank Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for AUBANK — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
AU Small Finance Bank Ltd Financial Statements
Annual income statement, balance sheet and cash flow for AU Small Finance Bank Ltd (AUBANK) — sourced from NSE/BSE filings.
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About AUBANK (AU Small Finance Bank Ltd)
AU Small Finance Bank Ltd is a scheduled commercial bank serving a diverse range of customers across India. Primarily focused on individuals and small businesses, the bank provides... essential banking services including savings and current accounts, fixed deposits, and a variety of loan products. These loans cater to different needs, such as vehicle financing, home loans, and loans for small businesses to help them grow. Beyond traditional banking, AU Bank also offers insurance products and wealth management services to provide a complete financial solution for its customers. The bank operates through several key segments: Retail Banking, which focuses on individual customers and small businesses; Wholesale Banking, catering to larger corporate clients; Treasury, which manages the bank's investments and financial resources; and Other Banking Operations. AU Small Finance Bank has made significant strides in leveraging technology to enhance customer experience, offering internet and mobile banking services to make banking more convenient. They are also actively involved in providing government banking services, supporting various government initiatives. While facing competition from larger, more established banks, AU Small Finance Bank has carved out a niche for itself by focusing on underserved segments and providing customized financial solutions. Headquartered in Jaipur, the bank has expanded its reach through a network of branches and digital channels, becoming a significant player in the small finance bank sector in India. The company continues to adapt to the changing financial landscape, striving to empower individuals and businesses with accessible and reliable banking services.
Company Details
Key Leadership
Corporate Events
Latest News
AUBANK Share Price: Frequently Asked Questions
What is the current share price of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd (AUBANK) trades at ₹1060.00 on NSE and BSE. Market cap ₹77.95K (Cr). Educational data only.
What is the P/E ratio of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has a P/E of 29.51x vs industry average 18.38x.
What is the Bull Run score for AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has a Bull Run score of 50.3/100 based on 25+ financial parameters.
Does AU Small Finance Bank Ltd pay dividends?
AU Small Finance Bank Ltd has a dividend yield of 0.10%. Past dividends don't guarantee future payments.
What is the ROE of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has ROE of 14.32%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of AU Small Finance Bank Ltd?
AU Small Finance Bank Ltd has debt-to-equity of 8.44.
Is AU Small Finance Bank Ltd a good investment?
Bull Run gives AU Small Finance Bank Ltd a score of 50.3/100. This is not investment advice — consult a SEBI-registered advisor.