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AU Small Finance Bank Ltd
Fundamental Score
AU Small Finance Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of AUBANK across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (55.38%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Strong Revenue Growth (15.36%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (30.25% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (20.59% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (25.56% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹24149.55 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: 66.41%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Suboptimal ROCE (8.40%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 7.87)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (22.82%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
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Financial Statements
Comprehensive financial data for AU Small Finance Bank Ltd
About AUBANK
Business Overview
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.
Company Details
Key Leadership
Corporate Events
Latest News
AUBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of AU Small Finance Bank Ltd (AUBANK)?
As of 19 Jan 2026, 10:12 am IST, AU Small Finance Bank Ltd (AUBANK) is currently trading at ₹1020.95. The stock has a market capitalization of ₹70.96K (Cr).
Is AUBANK share price Overvalued or Undervalued?
AUBANK is currently trading at a P/E ratio of 32.64x, compared to the industry average of 24.58x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the AU Small Finance Bank Ltd share price?
Key factors influencing AUBANK's price include its quarterly earnings growth (Sales Growth: 15.36%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is AU Small Finance Bank Ltd a good stock for long-term investment?
AU Small Finance Bank Ltd shows a 5-year Profit Growth of 25.56% and an ROE of 14.19%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 7.87 before investing.
How does AU Small Finance Bank Ltd compare with its industry peers?
AU Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare AUBANK's P/E of 32.64x and ROE of 14.19% against the industry averages to determine its competitive standing.
What is the P/E ratio of AUBANK and what does it mean?
AUBANK has a P/E ratio of 32.64x compared to the industry average of 24.58x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹33 for every ₹1 of annual earnings.
How is AUBANK performing according to Bull Run's analysis?
AUBANK has a Bull Run fundamental score of 44.6/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does AUBANK belong to?
AUBANK operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting AU Small Finance Bank Ltd.
What is Return on Equity (ROE) and why is it important for AUBANK?
AUBANK has an ROE of 14.19%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently AU Small Finance Bank Ltd generates profits from shareholders' equity.
How is AUBANK's debt-to-equity ratio and what does it indicate?
AUBANK has a debt-to-equity ratio of 7.87, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is AUBANK's dividend yield and is it a good dividend stock?
AUBANK offers a dividend yield of 0.11%, which means you receive ₹0.11 annual dividend for every ₹100 invested.
How has AUBANK grown over the past 5 years?
AUBANK has achieved 5-year growth rates of: Sales Growth 30.25%, Profit Growth 25.56%, and EPS Growth 20.59%.
What is the promoter holding in AUBANK and why does it matter?
Promoters hold 22.82% of AUBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is AUBANK's market capitalization category?
AUBANK has a market capitalization of ₹70955 crores, placing it in the Large-cap category.
How volatile is AUBANK stock?
AUBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for AUBANK?
AUBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is AUBANK's operating profit margin trend?
AUBANK has a 5-year average Operating Profit Margin (OPM) of 55.38%, indicating the company's operational efficiency.
How is AUBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 15.36% and YoY Profit Growth of -1.81%.
What is the institutional holding pattern in AUBANK?
AUBANK has FII holding of 34.50% and DII holding of 31.91%. Significant institutional holding often suggests professional confidence in the stock.