AU Small Finance Bank (AUBANK) Stock Overview
Offers various banking and financial services in India. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for AUBANK from our risk checks.
AUBANK Community Fair Values
Create NarrativeSee what 20 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
AU Small Finance Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹1,021.40 |
| 52 Week High | ₹1,079.55 |
| 52 Week Low | ₹680.70 |
| Beta | 0.51 |
| 1 Month Change | 4.03% |
| 3 Month Change | 2.02% |
| 1 Year Change | 45.21% |
| 3 Year Change | 42.46% |
| 5 Year Change | 116.83% |
| Change since IPO | 277.14% |
Recent News & Updates
Analysis Article • 16h
If EPS Growth Is Important To You, AU Small Finance Bank (NSE:AUBANK) Presents An Opportunity
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Narrative Update • May 03
AUBANK: New CFO Appointment And Stable Margins Will Support Re Rating
Analysts have nudged their price target for AU Small Finance Bank up from ₹1,250 to ₹1,275, reflecting updated assumptions around discount rate, revenue growth, profit margins and future P/E that together support a slightly higher fair value estimate. What's in the News The board has approved the appointment of Gaurav Jain as Chief Financial Officer, effective April 27, 2026, following his service as Interim CFO since September 26, 2025 (Key Developments).Recent updates
Analysis Article • 16h
If EPS Growth Is Important To You, AU Small Finance Bank (NSE:AUBANK) Presents An Opportunity
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Narrative Update • May 03
AUBANK: New CFO Appointment And Stable Margins Will Support Re Rating
Analysts have nudged their price target for AU Small Finance Bank up from ₹1,250 to ₹1,275, reflecting updated assumptions around discount rate, revenue growth, profit margins and future P/E that together support a slightly higher fair value estimate. What's in the News The board has approved the appointment of Gaurav Jain as Chief Financial Officer, effective April 27, 2026, following his service as Interim CFO since September 26, 2025 (Key Developments).
Narrative Update • Apr 18
AUBANK: Shareholder Meeting And Lower Future P/E Will Pressure Upside Potential
Analysts have kept the fair value estimate for AU Small Finance Bank steady at ₹775, while fine tuning assumptions around the discount rate, revenue growth, profit margin and future P/E to reflect updated views on the bank's risk profile and earnings trajectory. What's in the News AU Small Finance Bank has scheduled a Special and Extraordinary Shareholders Meeting on February 28, 2026, to be conducted via postal ballot in India (company filing).
Narrative Update • Apr 04
AUBANK: Board Actions And Postal Ballot Will Support Future Upside
Analysts have nudged their fair value estimate for AU Small Finance Bank slightly higher to ₹1,034.84 from ₹1,033.50, reflecting small adjustments to assumptions for discount rate, revenue growth, profit margin and future P/E multiples. What's in the News A board meeting is scheduled on Jan 20, 2026, at 14:00 IST to consider unaudited financial results for the quarter and nine months ended Dec 31, 2025, along with the appointment of an Independent Director, organizational changes, a change in registrar and share transfer agent for NCDs, and other matters (Key Developments).Narrative Update • Mar 21
AUBANK: Governance Moves And Stable Margins Will Support Future Re Rating
Analysts have kept the fair value estimate for AU Small Finance Bank steady at ₹1,250, with minor tweaks to assumptions on discount rate, revenue growth, profit margin, and future P/E feeding into a refreshed but unchanged price target. What's in the News Board meeting scheduled on Jan 20, 2026, to review unaudited financial results for the quarter and nine months ended Dec 31, 2025, consider an Independent Director appointment, review organizational changes, evaluate a change in Registrar and Share Transfer Agent for NCDs, and address other items (Board Meeting).Narrative Update • Mar 07
AUBANK: Governance Agenda And Margin Outlook Will Support Future Re Rating
Analysts have raised their price target on AU Small Finance Bank from ₹1,175 to ₹1,250, citing updated assumptions around the discount rate, revenue growth, profit margin and future P/E that modestly refine their valuation framework. What's in the News A board meeting is scheduled for Jan 20, 2026, at 14:00 Indian Standard Time to consider and approve the unaudited financial results for the quarter and nine months ended Dec 31, 2025, subject to limited review by the joint statutory auditors (Key Developments).Narrative Update • Feb 21
AUBANK: Governance Changes And Higher P/E Assumptions Will Drive Downside Risk
Analysts have raised their price target on AU Small Finance Bank from ₹650 to ₹775, citing updated assumptions around growth, profitability, discount rate and future P/E as the key drivers of this change. What's in the News Board meeting scheduled on Nov 24, 2025, to consider appointments of Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non Executive Independent Directors for three year terms, re appointment of Ms. Malini Thadani for a second three year term as Non Executive Independent Director, and other matters (company filing).Narrative Update • Feb 06
AUBANK: Board Changes And Stable Assumptions Will Shape Fairly Valued Outlook
Analysts have maintained their fair value estimate for AU Small Finance Bank at ₹1,033.50. They explain that the new price target primarily reflects a lower discount rate and a slightly adjusted future P/E assumption, rather than any change in expected growth or profitability.Narrative Update • Jan 23
AUBANK: Board Reshuffle And Higher P/E Assumptions Will Shape Fairly Valued Outlook
Analysts have raised their fair value estimate for AU Small Finance Bank from ₹897.64 to ₹1,033.50, citing updated assumptions on the discount rate, revenue growth, profit margin and future P/E that feed into a higher overall valuation framework. What's in the News Board meeting scheduled on Jan 20, 2026 at 14:00 Indian Standard Time to consider unaudited financial results for the quarter and nine months ended Dec 31, 2025, potential appointment of an Independent Director, organizational changes, a new registrar and share transfer agent for NCDs, and other items (company filing).Narrative Update • Jan 09
AUBANK: Higher Forward P/E And Governance Moves Will Support Re Rating
Analysts have raised their price target for AU Small Finance Bank from ₹930 to ₹1,175, citing model updates that incorporate the latest assumptions on discount rate, revenue growth, profit margin and future P/E. What's in the News Board meeting scheduled on January 20, 2026 to consider and approve the unaudited financial results for the quarter and nine months ended December 31, 2025, subject to limited review by the joint statutory auditors (company filing).Analysis Article • Dec 22
AU Small Finance Bank (NSE:AUBANK) Ticks All The Boxes When It Comes To Earnings Growth
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Narrative Update • Dec 15
AUBANK Will Face Downside Risk As Governance Changes Drive Future Uncertainty
Analysts have raised their price target on AU Small Finance Bank from ₹610 to ₹650 per share, citing a slightly lower required return, modestly improved profit margin assumptions, and a marginally higher future earnings multiple, despite largely unchanged revenue growth expectations. What's in the News A board meeting is scheduled for November 24, 2025 to consider multiple board changes, including the appointment of two new non-executive independent directors and the reappointment of an existing independent director for a second three-year term (Key Developments).Narrative Update • Nov 30
AUBANK: Board Changes And Partnership Will Shape Fairly Valued Outlook
Analysts have modestly increased their price target for AU Small Finance Bank from ₹887.84 to ₹897.64, citing slight improvements in growth and profitability metrics. What's in the News The board has approved the appointment of Mr. Gaurav Jain as Interim Chief Financial Officer and Key Managerial Personnel, effective September 26, 2025.Narrative Update • Nov 16
AUBANK: Leadership Transitions And Partnerships Are Expected To Shape Performance Ahead
Narrative Update on AU Small Finance Bank Analysts have raised their price target for AU Small Finance Bank from ₹857.17 to ₹887.84, citing improved profit margin projections and a slight reduction in discount rate assumptions. What's in the News Board meeting scheduled for October 17, 2025 to consider and approve unaudited financial results for the quarter and half year ended September 30, 2025, along with re-appointment of Mr. Sanjay Agarwal as Managing Director and CEO for another three years (Board Meeting).Narrative Update • Nov 01
AUBANK: Board Changes And New Partnerships Will Shape Next Growth Phase
Analysts have raised their price target for AU Small Finance Bank from ₹803.96 to ₹857.17, citing updated valuation assumptions as well as recent performance metrics. What's in the News The board meeting is scheduled for October 17, 2025, to consider and approve unaudited financial results for the quarter and half year ended September 30, 2025, along with the proposed re-appointment of Mr. Sanjay Agarwal as Managing Director & CEO for a three-year term, subject to stakeholder approvals (Board Meeting).Narrative Update • Oct 18
Branch Expansion And Digital Rollout Will Drive India's Banking Evolution
Narrative Update on AU Small Finance Bank Analysts have raised their price target for AU Small Finance Bank from ₹780.30 to ₹803.96. This reflects improved outlooks on revenue growth and profit margins, despite a slightly higher discount rate and reduced future price-to-earnings estimates.Analysis Article • Sep 06
Here's Why We Think AU Small Finance Bank (NSE:AUBANK) Might Deserve Your Attention Today
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Aug 02
Here's Why Shareholders May Want To Be Cautious With Increasing AU Small Finance Bank Limited's (NSE:AUBANK) CEO Pay Packet
Key Insights AU Small Finance Bank's Annual General Meeting to take place on 8th of August Total pay for CEO Sanjay...
New Narrative • Dec 08
Leveraging Fincare's Network And Universal Bank License Upgrade Will Drive Earnings Growth
Expansion in informal self-employed segments and leveraging Fincare's network are expected to drive revenue growth and earnings.Shareholder Returns
| AUBANK | IN Banks | IN Market | |
|---|---|---|---|
| 7D | 0.6% | -0.1% | 2.1% |
| 1Y | 45.2% | 3.8% | 8.1% |
Return vs Industry: AUBANK exceeded the Indian Banks industry which returned 3.8% over the past year.
Return vs Market: AUBANK exceeded the Indian Market which returned 8.1% over the past year.
Price Volatility
| AUBANK volatility | |
|---|---|
| AUBANK Average Weekly Movement | 5.6% |
| Banks Industry Average Movement | 5.8% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in IN Market | 10.2% |
| 10% least volatile stocks in IN Market | 4.7% |
Stable Share Price: AUBANK has not had significant price volatility in the past 3 months compared to the Indian market.
Volatility Over Time: AUBANK's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1996 | 50,946 | Sanjay Agarwal | www.au.bank.in |
AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services.
AU Small Finance Bank Limited Fundamentals Summary
| AUBANK fundamental statistics | |
|---|---|
| Market cap | ₹764.37b |
| Earnings (TTM) | ₹26.41b |
| Revenue (TTM) | ₹104.76b |
28.9x
P/E Ratio3.8x
P/B RatioIs AUBANK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AUBANK income statement (TTM) | |
|---|---|
| Revenue | ₹104.76b |
| Cost of Revenue | ₹0 |
| Gross Profit | ₹104.76b |
| Other Expenses | ₹78.35b |
| Earnings | ₹26.41b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 35.29 |
| Gross Margin | 100.00% |
| Net Profit Margin | 25.21% |
| Debt/Equity Ratio | 69.4% |
How did AUBANK perform over the long term?
See historical performance and comparisonDividends
0.1%
Current Dividend Yield3%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/11 17:30 |
| End of Day Share Price | 2026/05/11 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
AU Small Finance Bank Limited is covered by 47 analysts. 25 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jignesh Shial | Ambit Capital |
| Ashwin Mehta | Ambit Capital |
| Abhinesh Vijayaraj | Avendus Spark |