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AU Small Finance Bank Limited (IN:AUBANK)
:AUBANK
AUBANK Stock Chart & Stats
₹995.15
₹3.60(0.64%)
At close: 4:00 PM EST
₹995.15
₹3.60(0.64%)
Day’s Range― - ―
52-Week Range₹479.00 - ₹1,038.75
Previous CloseN/A
Volume2.77M
Average Volume (3M)281.56K
Market Cap
₹661.46B
Enterprise Value₹715.57B
Total Cash (Recent Filing)₹73.05B
Total Debt (Recent Filing)₹103.19B
Price to Earnings (P/E)27.8
Beta0.89
Next Earnings
Apr 28, 2026EPS Estimate
9.98Next Dividend Ex-DateN/A
Dividend Yield0.1%
Share Statistics
EPS (TTM)8.90
Shares Outstanding748,091,060
10 Day Avg. Volume136,750
30 Day Avg. Volume281,563
Financial Highlights & Ratios
PEG Ratio0.81
Price to Book (P/B)2.30
Price to Sales (P/S)2.13
P/FCF Ratio-1.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)34.49
Revenue Forecast (FY)₹121.36B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line growth (noted 9.73% in the latest year) reflects durable demand for the bank’s retail and MSME lending products. Over 2–6 months this supports loan book expansion, fee income momentum and scale benefits that can underpin continued revenue resilience if credit trends remain stable.
Balance Sheet HealthA moderate debt-to-equity ratio (~0.68) and mid-teens ROE indicate prudent leverage and returns generation versus equity. This balance gives management room to fund growth from deposits and retained earnings, supporting lending capacity and resilience to funding shocks over the medium term.
Operating Efficiency GainsStrong gross margins and improving EBITDA margin point to effective cost control and operating leverage in core banking activities. If the bank converts EBITDA gains into operating profit by managing provisions and non‑interest costs, this will sustainably boost net profitability and cash generation over coming quarters.
Bears Say
Negative Cash FlowsReported negative operating and free cash flows signal potential liquidity stress even as accounting profits exist. Over a multi-month horizon, persistent negative cash generation can force higher reliance on wholesale funding or deposit repricing, increasing funding costs and constraining loan growth if not corrected.
Weak Operating ProfitabilityA negative EBIT margin indicates operating or provisioning pressures that erode core profitability despite EBITDA improvement. Structural or recurring items pushing EBIT negative could limit retained earnings, weaken capital accumulation, and reduce the bank’s ability to absorb credit cycles over the next several months.
Liquidity ManagementManagement’s liquidity shortfall comments combined with negative cash flow suggest funding and liquidity management is a structural weak point. In a regional bank model dependent on deposits, this raises risk of deposit competition or costly borrowings which can pressure margins and constrain strategic flexibility.
AU Small Finance Bank Limited News
AUBANK FAQ
What was AU Small Finance Bank Limited’s price range in the past 12 months?
AU Small Finance Bank Limited lowest stock price was ₹479.00 and its highest was ₹1038.75 in the past 12 months.
What is AU Small Finance Bank Limited’s market cap?
AU Small Finance Bank Limited’s market cap is ₹661.46B.
When is AU Small Finance Bank Limited’s upcoming earnings report date?
AU Small Finance Bank Limited’s upcoming earnings report date is Apr 28, 2026 which is in 43 days.
How were AU Small Finance Bank Limited’s earnings last quarter?
AU Small Finance Bank Limited released its earnings results on Jan 20, 2026. The company reported ₹8.9 earnings per share for the quarter, beating the consensus estimate of ₹8.78 by ₹0.12.
Is AU Small Finance Bank Limited overvalued?
According to Wall Street analysts AU Small Finance Bank Limited’s price is currently Overvalued.
Does AU Small Finance Bank Limited pay dividends?
AU Small Finance Bank Limited pays a Annually dividend of ₹1 which represents an annual dividend yield of 0.1%. See more information on AU Small Finance Bank Limited dividends here
What is AU Small Finance Bank Limited’s EPS estimate?
AU Small Finance Bank Limited’s EPS estimate is 9.98.
How many shares outstanding does AU Small Finance Bank Limited have?
AU Small Finance Bank Limited has 748,091,060 shares outstanding.
What happened to AU Small Finance Bank Limited’s price movement after its last earnings report?
AU Small Finance Bank Limited reported an EPS of ₹8.9 in its last earnings report, beating expectations of ₹8.78. Following the earnings report the stock price went down -1.95%.
Which hedge fund is a major shareholder of AU Small Finance Bank Limited?
Currently, no hedge funds are holding shares in IN:AUBANK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
AU Small Finance Bank Limited
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 provides saving, current, salary, senior citizen and NRI, fixed, recurring, and COVID shield deposit accounts, as well as debit and credit cards and locker services. The company also offers car, two-wheeler, commercial vehicle, personal, tractor, home, gold, construction equipment, business, agriculture, and working capital loans. In addition, it provides life, health, general, and motor insurance; mutual funds and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services. Further, the company provides government banking services to central government, state governments, central and state public sector undertakings, boards, defence, urban local bodies, and other government departments. As of March 31, 2022, it operated 692 bank branches, 210 correspondents banking outlets, 17 business correspondents, and 514 ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. The company was incorporated in 1996 and is headquartered in Jaipur, India.
Technical Analysis
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