AU Small Finance Bank Ltd (AUBANK)
₹1,004.00
Mkt cap
₹75,444 Cr
P/E ratio
28.60
P/B
3.80
Div yield
0.10%
ROE
14.30%
ROCE
7.66%
EPS (TTM)
₹35.10
Book value
₹264
52W range
694–1,072
Sector
Financial Services
AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]
Health check
Cautious
ValuationExpensive
ProfitabilityWeak
TechnicalsNeutral
52-week range
−6.35% from high₹1,004
₹694+44.61% from low₹1,072
Current
₹1,004.00
Prev close
₹1,013.10
Day
−0.90%
Price performance
1D
−0.90%
1W
+1.08%
1M
−2.89%
3M
−5.79%
6M
+0.27%
1Y
+25.98%
YTD
+0.46%
Financials
FRevenue, profit & margin
P/E ratio
28.6×
AUBANK is 88% above the sector median of 15.2×
AUBANK28.6×
Sector median15.2×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,275 | 2,458 | 2,531 | 2,736 | 2,830 | 3,769 | 3,911 | 4,113 | 4,271 | 4,378 | 4,511 | 4,727 | 5,019 | |
| Interest | 1,062 | 1,212 | 1,282 | 1,411 | 1,492 | 1,848 | 1,936 | 2,091 | 2,177 | 2,334 | 2,367 | 2,386 | 2,437 | |
| Expenses | 1,016 | 1,048 | 1,122 | 1,269 | 1,346 | 1,761 | 1,854 | 1,938 | 2,197 | 2,076 | 2,128 | 2,181 | 2,231 | |
| Financing Profit | 197 | 198 | 127 | 56 | -9 | 160 | 121 | 85 | -104 | -32 | 16 | 160 | 351 | |
| Financing Margin % | 9% | 8% | 5% | 2% | -0% | 4% | 3% | 2% | -2% | -1% | 0% | 3% | 7% | |
| Other Income | 333 | 315 | 406 | 442 | 464 | 509 | 638 | 618 | 761 | 811 | 713 | 724 | 731 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 530 | 513 | 533 | 498 | 455 | 669 | 759 | 703 | 657 | 779 | 729 | 884 | 1,082 | |
| Tax % | 20% | 25% | 25% | 25% | 18% | 25% | 25% | 25% | 23% | 25% | 23% | 24% | 23% | |
| Net Profit | 425 | 387 | 402 | 375 | 371 | 503 | 571 | 528 | 504 | 581 | 561 | 668 | 832 | |
| EPS in Rs | 6.37 | 5.80 | 6.01 | 5.61 | 5.54 | 6.76 | 7.68 | 7.10 | 6.77 | 7.79 | 7.52 | 8.94 | 11.12 | |
| Gross NPA % | 1.66% | 1.76% | 1.91% | 1.98% | 1.67% | 1.78% | 1.98% | 2.31% | 2.28% | 2.47% | 2.41% | 2.30% | 2.03% | |
| Net NPA % | 0.42% | 0.55% | 0.60% | 0.68% | 0.55% | 0.63% | 0.75% | 0.91% | 0.74% | 0.88% | 0.88% | 0.88% | 0.74% | |
| Raw PDF |
Earnings
EResults dates & reactionsNext results
25 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.73% · closed higher next day 18 of last 37
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 22 Jul '23◦ | 28 Oct '23◦ | 25 Jan '24◦ | 25 Apr '24 | 26 Jul '24 | 24 Oct '24 | 24 Jan '25◦ | 22 Apr '25◦ | 19 Jul '25◦ | 17 Oct '25◦ | 20 Jan '26◦ | 27 Apr '26◦ |
| Earnings day | −3.67% | −3.50% | −11.51% | −1.63% | +2.97% | −0.98% | −5.25% | +8.41% | −5.28% | +9.18% | −0.63% | −1.94% |
| +1 day | −4.69% | −3.04% | −11.67% | −3.09% | +2.91% | −7.29% | −1.00% | +10.96% | −8.69% | +9.87% | −0.07% | −2.43% |
| +5 days | −4.88% | −2.34% | −12.04% | +4.21% | +0.94% | −6.07% | +1.08% | +10.56% | −8.50% | +11.36% | −1.33% | −1.82% |
| +15 days | −7.91% | +4.30% | −15.33% | +0.87% | −2.60% | −11.20% | −10.05% | +12.43% | −7.63% | +11.89% | −0.06% | −6.62% |
| +30 days | −6.82% | +6.58% | −18.62% | +8.09% | +13.07% | −9.32% | −9.38% | +17.31% | −10.18% | +19.72% | −3.70% | −7.64% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 202622.74%Promoter
Promoters22.74%0.02
FIIs35.98%1.29
DIIs32.81%1.51
Public8.47%0.20
Ownership trend
Peers
P7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| AU Small Finance | ₹1,004.00 | 28.56 | 75,444 | 0.10% | 832 | +65.15% | 5,019 | +17.53% | 7.66% |
| Ujjivan Small | ₹70.72 | 15.18 | 13,751 | 0.00% | 317 | +206.67% | 2,025 | +25.08% | 7.73% |
| Equitas Sma. Fin | ₹78.34 | 86.79 | 8,946 | 0.00% | 213 | +405.06% | 1,836 | +11.70% | 6.44% |
| Jana Small Finan | ₹536.95 | 14.85 | 5,637 | 0.00% | 155 | +52.29% | 1,515 | +22.08% | 7.45% |
| Utkarsh Small F. | ₹14.45 | — | 2,564 | 0.00% | −188 | −6,430.64% | 837 | −4.87% | 1.46% |
| Suryoday Small | ₹193.10 | 10.66 | 2,046 | 0.78% | 75 | +113.10% | 622 | +25.69% | 7.33% |
| ESAF Small Fin | ₹38.69 | — | 1,994 | 0.00% | 24 | +112.83% | 995 | +11.55% | 5.65% |
| Median: 9 Co. | ₹167.06 | 15.18 | 2,564 | 0.00% | 75 | +65.15% | 995 | +17.53% | 7.07% |
Filings
DAnnual reports15
Financial Year 2025bseFinancial Year 2024bseFinancial Year 2023bseFinancial Year 2022bseFinancial Year 2021bseFinancial Year 2020bseFinancial Year 2019bseFinancial Year 2018bseFinancial Year 2017bseFinancial Year 2016bseFinancial Year 2015bseFinancial Year 2014bseFinancial Year 2013bseFinancial Year 2012bseFinancial Year 2011bse
Concall transcripts78
TranscriptApr 2026PPTApr 2026RECApr 2026TranscriptJan 2026PPTJan 2026PPTJan 2026RECJan 2026TranscriptOct 2025PPTOct 2025RECOct 2025PPTSep 2025TranscriptJul 2025TranscriptApr 2025PPTApr 2025RECApr 2025TranscriptJan 2025PPTJan 2025RECJan 2025TranscriptOct 2024PPTOct 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024PPTMay 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 21 Jul - The Bank has allotted 3,03,613 equity shares of face value of Rs. 10/- each on July 20, 2026, pursuant to exercise of equivalent number of …Appointment Of Chief Risk Officer (CRO-Designate) 16 Jul - AU Small Finance Bank appoints Amol Padhye as CRO-designate effective September 1, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 14 Jul - The Bank will host a group conference call with analysts and investors on Saturday, July 25, 2026 at 04:00 PM (IST) wherein the senior management …Board Meeting Intimation for Considering And Approving The Unaudited Financial Results (Subject To Limited Review By The Joint Statutory Auditors) Of The Bank For The Quarter Ended On June 30, 2026. 10 Jul - Board meeting on July 25, 2026 to consider Q1 FY27 unaudited financial results; trading window closed till July 27.Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 8 Jul - Bank submitted Regulation 74(5) certificate for quarter ended June 30, 2026; no demat/remat requests processed.