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Banking And Finance | Mid Cap
Health Score : 3.63AU Small Finance Bank Ltd demonstrates a mixed financial performance. The bank shows good solvency, indicating a strong ability to meet its long-term obligations. Efficiency ratios are average, reflecting a balance between asset utilization and operational effectiveness. However, liquidity, growth, coverage, financial, and profitability ratios are weak, suggesting potential challenges in short-term financial health, expansion, and earnings. Capital expenditure is at a good level, implying investments in future growth. Overall, the bank needs to focus on enhancing its earnings and improving short-term financial management to achieve more consistent and robust financial health. The bank's solvency is a key strength, providing a solid foundation for addressing areas needing improvement.
Health Score : 3.63AU Small Finance Bank Ltd demonstrates a mixed financial performance. The bank shows good solvency, indicating a strong ability to meet its long-term obligations. Efficiency ratios are average, reflecting a balance between asset utilization and operational effectiveness. However, liquidity, growth, coverage, financial, and profitability ratios are weak, suggesting potential challenges in short-term financial health, expansion, and earnings. Capital expenditure is at a good level, implying investments in future growth. Overall, the bank needs to focus on enhancing its earnings and improving short-term financial management to achieve more consistent and robust financial health. The bank's solvency is a key strength, providing a solid foundation for addressing areas needing improvement.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
30.59
Industry Median
18.97
Mid Cap Median
80.54
P/E RATIO
80.54
P/B RATIO
N/A
Industry Median
1.26
Mid Cap Median
0.00
P/S RATIO
56.35
Industry Median
1.60
Mid Cap Median
56.35
Others
PEG RATIO
0.84
EV/EBITDA RATIO
53.72
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1079.2 as on Sep 1, 2026.
Growth Score : 2.00AU Small Finance Bank's growth ratios are a cause for concern. Revenue, operating profit, EPS, asset, and net income growth rates are all poor, indicating the company is facing challenges in expanding its business. The company needs to explore strategies to stimulate growth and improve market positioning.
Revenue Growth RatePoorOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RatePoorNet Income Growth RatePoor| Growth Ratios | Mar 2015 | Mar 2016 | Mar 2017 |
|---|---|---|---|
| Revenue Growth Rate | 21.89 | 48.34 | 18.49 |
| Operating Profit Growth Rate | 70.27 | 48.81 | 26.93 |
| Earnings Per Share (EPS) Growth | 58.71 | 51.16 | -52.06 |
| Asset Growth Rate | 42.82 | 64.48 | 23.69 |
| Net Income Growth Rate | 61.39 | 51.53 | 208.5 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | AU Small Finance Bank Ltd | 3.63 | 80.54 | Neutral | 476.00 | 35.27 | 762.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤29th Apr 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤27th Apr 26
Audited Financial Results for Q4 and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Quarterly Report⬤20th Jan 26
Quarterly Financial Results Q3 FY 2025–26
BULLISH SENTIMENT
No Stock News Available at This Moment.
AU Small Finance Bank Ltd. is a prominent Indian Small Finance Bank, offering a comprehensive suite of banking and financial services. It primarily caters to retail and small business customers, providing various loan products, deposit accounts, and digital banking solutions. The bank has established a strong presence in semi-urban and rural markets.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. AU Small Finance Bank Ltd's P/E ratio (TTM) is 30.59, compared to the industry median of 18.97 and large cap median of 80.54.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. AU Small Finance Bank Ltd's P/B ratio is N/A, compared to the industry median of 1.26 and large cap median of N/A.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. AU Small Finance Bank Ltd's P/S ratio is 56.35, compared to the industry median of 1.60 and large cap median of 56.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. AU Small Finance Bank Ltd's PEG ratio is 0.84.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. AU Small Finance Bank Ltd's EV/EBITDA ratio is 53.72.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. AU Small Finance Bank Ltd's ROE is 38.35%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. AU Small Finance Bank Ltd's ROA is 4.85%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. AU Small Finance Bank Ltd's ROCE is 81.18%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. AU Small Finance Bank Ltd's operating margin is 33.31%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. AU Small Finance Bank Ltd's net margin is 53.32%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. AU Small Finance Bank Ltd's current ratio is 9.81.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. AU Small Finance Bank Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. AU Small Finance Bank Ltd's interest coverage ratio is 3.04.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. AU Small Finance Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. AU Small Finance Bank Ltd's EPS is -52.06.
(Source line: "Ratios as of 24 Oct 2026, based on last traded price of ₹1079.20. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1996 (as AU Financiers (India) Limited)
Headquarters: Jaipur, Rajasthan
Core Offerings: Vehicle Loans, Small Business Loans, Housing Loans, Deposits, Digital Banking
Stock Listing: NSE (AUBANK), BSE (540611)
Promoter: Sanjay Agarwal / AU Financiers Promoter Group
AU Financiers (India) Limited was incorporated in 1996, initially focusing on vehicle finance. Over the years, it expanded into SME and housing finance. In 2015, it received an 'in-principle' approval from the Reserve Bank of India (RBI) to convert to a Small Finance Bank. The company commenced operations as AU Small Finance Bank Ltd. in April 2017 and subsequently listed on NSE and BSE. In 2024, it completed a significant merger with Fincare Small Finance Bank, further expanding its reach and scale.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | ~84% | Operating Profit |
| Wholesale Banking | ~12% | Operating Profit |
| Treasury | ~3% | Operating Profit |
Retail Banking: Focuses on individual customers and small businesses, offering a diverse portfolio of loan products like vehicle, housing, and gold loans, alongside savings/current accounts and digital banking platforms.
Wholesale Banking: Caters to corporate clients, large businesses, and institutions, providing working capital and term loans, project finance, and other specialized financial services.
Treasury: Manages the bank's investment portfolio, funding, liquidity, and foreign exchange operations, including maintaining statutory reserve requirements.
Sanjay Agarwal: MD & CEO. Founder of AU Financiers, he spearheaded its transformation into a leading Small Finance Bank, driving its growth and strategic vision. Raj Vikash Verma: Non-Executive Chairman. An experienced banker, he provides strategic guidance and oversight to the board.
AU Fund House Limited
AU Small Finance Bank (International) Limited
Initial Public Offering (IPO) in 2017. Completed the merger with Fincare Small Finance Bank, effective April 1, 2024.
The AU Small Finance Bank Ltd share price today is ₹1079.20 on NSE (AUBANK), as of 24 Oct 2026.
As of 24 Oct 2026, AU Small Finance Bank Ltd share price is ₹1079.20, with previous close ₹1079.20. Today's range is ₹1079.20 to ₹1079.20. The 52-week range is ₹N/A to ₹N/A.
As of today, AU Small Finance Bank Ltd's market cap is ₹80,529.9 crore (Large Cap).
AU Small Finance Bank Ltd's current P/E ratio is 30.59, compared to the BANKING AND FINANCE sector average of 18.50.
AU Small Finance Bank Ltd's current P/B ratio is N/A.
AU Small Finance Bank Ltd's current dividend yield is N/A. Last dividend of ₹1.00 per share was declared on 02-May-2024.
AU Small Finance Bank Ltd's EPS (TTM) is ₹-52.06.
AU Small Finance Bank Ltd. is a prominent Indian Small Finance Bank, offering a comprehensive suite of banking and financial services. It primarily caters to retail and small business customers, providing various loan products, deposit accounts, and digital banking solutions. The bank has established a strong presence in semi-urban and rural markets.
AU Small Finance Bank Ltd is promoted by Sanjay Agarwal / AU Financiers Promoter Group, holding 22.76% as of 24 Oct 2026.
AU Small Finance Bank Ltd is listed on NSE (AUBANK) and BSE (540611). Its next quarterly results are expected on July/August 2024.
Capital Expenditures (CapEx)