AU Small Finance Bank vs IDFC First Bank: share price, P/E, ROE and financials compared
AU Small Finance Bank
IDFC First Bank
AU Small Finance Bank and IDFC First Bank at a glance
AU Small Finance Bank and IDFC First Bank are both listed in Financial Services. AU Small Finance Bank is the larger by market cap, at ₹69,831 Cr against ₹66,723 Cr for IDFC First Bank. On valuation, IDFC First Bank has the lower price-to-book (1.34× against 3.20×). On returns and margins, AU Small Finance Bank has the higher ROE (15.7% against 6.3%). Over three years, AU Small Finance Bank has faster 3-year profit growth (+22.7% against −13.5% a year). Both are lenders or insurers, so ROCE, operating margin and debt-to-equity aren’t compared: those ratios don’t fit financial balance sheets.
Key metrics, side by side
| Metric | AU Small Finance BankAUBANK | IDFC First BankIDFCFIRSTB |
|---|---|---|
| Price (₹) | 931.80 | 77.33 |
| Market cap (₹ Cr) | 69,831 | 66,723 |
| P/E | 22.4× | 22.4× |
| P/B | 3.20× | 1.34× (the lower figure, shaded) |
| Dividend yield, trailing | 0.11% | 0.32% (the higher figure, shaded) |
| ROE | 15.7% (the higher figure, shaded) | 6.3% |
| ROCE | n/m | n/m |
| Operating margin (OPM) | n/m | n/m |
| Net margin (NPM) | 26.2% (the higher figure, shaded) | 11.1% |
| Sales CAGR 3Y | n/m | n/m |
| Profit CAGR 3Y | +22.7% (the higher figure, shaded) | −13.5% |
| Debt to equity | n/m | n/m |
| Interest cover | n/m | n/m |
| Net profit TTM (₹ Cr) | 3,153 | 3,006 |
| 1Y return | +6.9% (the higher figure, shaded) | −4.1% |
| Promoter holding | 22.67% | 0.00% |
AU Small Finance Bank vs IDFC First Bank: common questions
Which is bigger, AU Small Finance Bank or IDFC First Bank?
By market cap, AU Small Finance Bank is bigger at ₹69,831 Cr, against ₹66,723 Cr for IDFC First Bank (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹3,153 Cr for AU Small Finance Bank and ₹3,006 Cr for IDFC First Bank.
Which has a lower P/E ratio, AU Small Finance Bank or IDFC First Bank?
AU Small Finance Bank trades at a P/E of 22.4× and IDFC First Bank at 22.4×. The two are close. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.
Which has a higher ROE, AU Small Finance Bank or IDFC First Bank?
AU Small Finance Bank reports a return on equity of 15.7% and IDFC First Bank 6.3%. AU Small Finance Bank has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, AU Small Finance Bank or IDFC First Bank?
Over the last three years: profit grew +22.7% a year at AU Small Finance Bank and −13.5% at IDFC First Bank, so AU Small Finance Bank grew profit faster. Past growth doesn’t predict future growth.