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On 6 Nov 2026, AU Small Finance Bank was priced at ₹931.80, or 22.4× trailing earnings, and the shares are 19% below their 52-week high. It earns ROE of 16%, and net profit grew 23% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 3.20× book value and its dividend yield is 0.1%. It is a mid-cap company with a market cap of ₹69,831 Cr, ranked 14th of 41 Banks (Regional) companies by market cap; the shares rose 6.9% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹927.55
Day high
₹931.80
Day low
₹907.15
Prev. close
₹941.00
Volume
18.8 L

Health check

2 good · 3 fair · 1 to check
  • ReturnsIn line

    +6.9% over a year, better than 4 of 7 peers.

  • Price tagPricier

    P/B 3.20 vs peer median 1.78.

  • GrowthSteady

    Profit +22.7% a year over 3 years.

  • ProfitabilityAverage

    ROE 15.7% vs peer median 14.7%.

  • Balance sheetSolid

    Return on assets 1.67%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Mid cap

₹69,831 Cr, #14 of 41 in its industry by size.

Defensive

Beta 0.61 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹12,022 Cr · profit ₹3,153 Cr
Market cap
₹69,831 Cr
Mid cap
P/E
22.4
Industry 9.2
Price to book
3.20
Peers 1.78
Dividend yield
0.11%
ROE
15.7%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹41.69
Face value ₹10
OPM (TTM)
35.7%
Net margin 26.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+51.1%
Latest quarter vs a year ago
Price to sales
5.81

Strengths and risks

Strengths

  • Quarterly profit up 51.1% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About AU Small Finance Bank

AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It offers savings, NRI, corporate salary, senior citizen, women and family, minor, current, premium banking, special offerings, RERA and escrow, collection, share capital and dividend, EXIM, institution current, government banking, Forex, SNRR, and grouping…

Headquarters
Mumbai
Employees
59,207
Sector
Financial Services
ISIN
INE949L01017
Website
au.bank.in

Price range

52 weeks

₹831.65₹1,144.10

Today

₹907.15₹931.80
Avg volume (3M)
17.9 L
1-year return
plus 6.9%
From 52-week high
minus 18.6%

Analyst consensus

29 analysts
BuyMean target ₹1,090.97 plus 17.1%

Target range, with today’s price

Low ₹770.00High ₹1,275.00

Next results expected around 23 Jan 2027

Consensus from Yahoo Finance. Not a recommendation.

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.65%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.76%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.70%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.37%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.67%plus 24.1%
AUBANKAU Small Finance Bank931.80minus 0.98%69,83122.43.2015.7%1.7%22.7%0.11%plus 6.9%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.65%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
2,8553,0653,3133,3853,590
2,3342,3862,4372,6072,792
7798841,0821,0641,154
25.4%24.5%23.1%25.2%25.7%
581668832796858
7.788.8711.0110.5111.30

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+22.7%
EPS CAGR 3Y
+17.2%
ROE
15.7%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
5,4606,85610,54212,097
–+25.6%+53.8%+14.8%
3,7805,3988,0529,524
185225259272
−0.7−1.4−3.6−6.4
1,8651,9992,7883,474
23.4%23.2%24.5%24.0%
1,4281,5352,1062,641
–+7.5%+37.2%+25.4%
21.7422.8628.2435.01

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
667669745748
10,31111,89016,42219,225
6,2995,47911,66013,872
72,94091,3871,29,0191,57,952
90,2161,09,4261,57,8461,91,797
7408529121,436
32.967.587.4555
20,07227,13337,84844,794
9,4786,4419,5688,656
59,89374,9321,09,4301,36,357
90,2161,09,4261,57,8461,91,797

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
5,4942,6085,4621,829
−4,320−4,855−5,931−5,090
2,323−8022,4072,318
3,497−3,0491,938−943
−306−346−264−809
5,1882,2625,1981,020
−31.5−66.7−74.3−74.5

Shareholding pattern

Source: NSE filings
22.7%
promoters
  • Promoters22.67%
  • Public77.33%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202622.67%77.33%minus 0.07
30 Jun 202622.74%77.26%minus 0.02
31 Mar 202622.76%77.24%minus 0.03
31 Dec 202522.79%77.21%minus 0.03
30 Sep 202522.82%77.18%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you