AU Small Finance Bank Ltd Stock Price Today (NSE: AUBANK)
Fundamental Score
AU Small Finance Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
AU Small Finance Bank Ltd share price today is ₹1017.05, up +0.00% on NSE/BSE as of 19 February 2026. AU Small Finance Bank Ltd (AUBANK) is a Large-cap company in the Other Bank sector with a market capitalisation of ₹70.96K (Cr). The 52-week high for AUBANK share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 32.64x, AUBANK is currently trading above its industry average P/E of 24.58x. The company has a Return on Equity (ROE) of 14.19% and a debt-to-equity ratio of 7.87.
AU Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
AU Small Finance Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
AU Small Finance Bank Share Price: A Financial Stability Analysis
The AU Small Finance Bank share price currently stands at ₹991.05, presenting an interesting case for financial analysis. A unique industry insight is that smaller finance banks, unlike larger institutions, often thrive by specializing in niche markets and providing tailored financial solutions to underserved populations, creating localized competitive advantages. This analysis, part of an extensive 80-parameter fundamental audit verified by Sweta Mishra, aims to assess the financial stability of AU Small Finance Bank based on publicly available data.
The bank's Price-to-Earnings (PE) ratio of 32.64 suggests that investors are paying a premium for each rupee of earnings, reflecting expectations of future growth. This needs careful contextualization against the backdrop of the small finance banking sector. While a higher PE ratio might signal overvaluation, it can also indicate investor confidence in the bank's ability to generate consistent profits.
A critical aspect is the Return on Capital Employed (ROCE) of 8.4%. ROCE measures how efficiently a company is using its capital to generate profits. While 8.4% is a respectable figure, it's crucial to understand how this impacts AU Small Finance Bank's competitive moat. A higher ROCE generally strengthens a company's ability to reinvest earnings and create a sustainable competitive advantage. However, in a sector with intense competition, maintaining and improving this metric is paramount. A higher ROCE signals a deeper moat, making it harder for competitors to erode market share and profitability.
Comparing AU Small Finance Bank with peers such as
Utkarsh Small Finance Bank Limited is essential. While direct comparison on management quality requires deeper qualitative analysis, publicly available information can suggest certain trends. For instance, differences in operational efficiency ratios or asset quality metrics between AU Small Finance Bank and Utkarsh Small Finance Bank Limited could reflect variations in management effectiveness. Observing these differences, along with factors like non-performing asset (NPA) ratios, provides valuable insights into the overall financial health and stability of AU Small Finance Bank. Continued monitoring of key financial indicators is crucial for a comprehensive risk assessment.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 (55.38%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
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.
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.
Excellent EPS Growth (20.59% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
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.
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.
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 (8.40%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
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.
Weak Interest Coverage (1.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (22.82%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
AU Small Finance Bank Ltd Financial Statements
Comprehensive financial data for AU Small Finance Bank Ltd including income statement, balance sheet and cash flow
About AUBANK (AU Small Finance Bank Ltd)
AU Small Finance Bank Ltd (AUBANK) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹70.96K (Cr). AU Small Finance Bank Ltd has delivered a Return on Equity (ROE) of 14.19% and a ROCE of 8.40%. The debt-to-equity ratio stands at 7.87, reflecting the company's capital structure. Investors tracking AUBANK share price can monitor key metrics including P/E ratio, promoter holding of 22.82%, and quarterly earnings growth.
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 (AUBANK)?
As of 19 Feb 2026, 10:06 am IST, AU Small Finance Bank Ltd share price is ₹1017.05. The AUBANK stock has a market capitalisation of ₹70.96K (Cr) on NSE/BSE.
Is AUBANK share price Overvalued or Undervalued?
AUBANK share price 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 AU Small Finance Bank Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of AUBANK share price?
The 52-week high of AUBANK share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the AU Small Finance Bank Ltd share price?
Key factors influencing AUBANK share price include 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 in AUBANK shares.
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 share price P/E of 32.64x and ROE of 14.19% against the industry averages to determine competitive standing.
What is the P/E ratio of AUBANK and what does it mean?
AUBANK share price has a P/E ratio of 32.64x compared to the industry average of 24.58x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently AU Small Finance Bank Ltd generates profits from shareholders capital.
How is AUBANK 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.
What is AUBANK dividend yield and is it a good dividend stock?
AUBANK offers a dividend yield of 0.11%, meaning you receive ₹0.11 annual dividend for every ₹100 invested in AU Small Finance Bank Ltd shares.
How has AUBANK share price 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% pledged. High promoter holding often indicates strong management confidence in AU Small Finance Bank Ltd.
What is AUBANK market capitalisation category?
AUBANK has a market capitalisation 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 AU Small Finance Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is AUBANK 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 quarterly performance?
Recent quarterly performance shows AU Small Finance Bank Ltd 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 AU Small Finance Bank Ltd stock.