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SILVER (1kg)₹88,400-0.12%
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AU Small Finance Bank Limited

AU Small Finance Bank Limited

NSE: AUBANK
Banks - RegionalFinancial ServicesLARGE CAPMCap ₹74.15k Cr
₹989.40₹-13.30 (-1.33%)

Market Closed • NSE

Market cap₹74.15k Cr
Enterprise value₹80.43k Cr
P/E TTM26.13
Forward P/E16.35
P/B3.70
EPS TTM₹37.87
Forward EPS₹60.51
ROCE12.40%
Dividend yield0.00%
Face value₹10.00
52W high₹1,144.10
52W low₹785.05
Price chart(1Y)
1Y Return:-2.57% (₹26.10)
H: ₹1,144.1L: ₹959.1
1W+1.25%
1M-4.80%
3M-1.39%
6M-6.33%
1Y+24.85%
Today at a glance

Day range

₹980.90₹1,003.20

52 week range

₹785.05₹1,144.10
Volume1.03M0.63x 20D avg
Free float50.00%-37.10% volume

AU Small Finance Bank Limited closed at INR989.40 (-1.33%) on volume 0.63x its 20-day average, trading 13.52% below its 52-week high.

Technical analysis
RSI (14)42.8Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹25.27Moderate
SMA 20₹1,008.49BEARISH
SMA 50₹1,048.62BEARISH
SMA 100₹1,036.44BEARISH
SMA 200₹1,006.80BEARISH
CPR bottom₹1,003.70
Pivot₹1,003.37
CPR top₹1,003.03
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -4.3% QoQ

2026-07-31

DIVIDEND Announced

Dividend - Re 1 Per Share

2025-07-04

DIVIDEND Announced

Dividend - Re 1 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio–₹74.15k Cr—≤ 33%PENDING_DATA
Non-halal income ratio–₹12.09k Cr0.00%≤ 5%PASS
Illiquid assets ratio–₹74.15k Cr—≥ 20%PENDING_DATA
Receivables ratio–₹74.15k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E26.1316.50
Forward P/E16.35—
P/B3.701.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.806.10
Growth & profitability
RevenuePAT
FY25PAT margin 20.00%
FY26PAT margin 21.80%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+4.70%
Revenue CAGR 5Y+2.80%
PAT CAGR 3Y+7.80%
PAT CAGR 5Y+4.60%
Operating margin35.31%
Net margin25.58%
Financial health & cash flow
Net debt–Moderate
Interest coverage—xEBIT / interest
CFO / PAT0.69x3Y average
Net debt / EBITDA—Leverage
Operating cash flow–
Capital expenditure–
Free cash flow–
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall58/100
Valuation60/100
Profitability65/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Banks - Regional.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
68.79%Institutional holding
8.47%Public holding
5Periods available
0.00%Promoter pledged
1.63LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
31 Jul 2026Dividend₹1.00 / share—31 Jul 2026
04 Jul 2025Dividend₹1.00 / share—04 Jul 2025
12 Jul 2024Dividend₹1.00 / share—12 Jul 2024
14 Jul 2023Dividend₹1.00 / share—14 Jul 2023
30 Jul 2022Dividend₹0.50 / share—28 Jul 2022
10 Jun 2022Bonus issue1:1 bonus ratio—09 Jun 2022
—Dividend₹0.75 / share—18 Jul 2019
—Dividend₹0.50 / share—30 Jul 2018
—Annual General MeetingAnnual General Meeting—19 Sept 2017
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)55.39%-1.42% latest vs average
Highest delivery64.82%on 18 Sept
Average volume (20D)1.64MTrading-session average
Conviction trendWeakening-1.42% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About AU Small Finance Bank Limited
AU Small Finance Bank Limited

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]

IndiaFinancial Services

Questions investors ask
Is AU Small Finance Bank Limited Shariah compliant?

AU Small Finance Bank Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bbanks?\b/i Interest-bearing debt or Market Cap data unavailable for ratio screening.

What is AU Small Finance Bank Limited's current valuation relative to peers?

AU Small Finance Bank Limited trades at a P/E of 26.1x compared to the sector median of 16.5x, and a Price-to-Book of 3.7x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of zero debt. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 2.8% while net profit growth averaged 4.6%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.