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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
₹764.36B
Enterprise Value₹769.33B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)33.0
Beta0.79
Next Earnings
Apr 28, 2026EPS Estimate
9.98Next Dividend Ex-DateN/A
Dividend Yield0.1%
Share Statistics
EPS (TTM)8.90
Shares Outstanding747,580,800
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthReported revenue growth of ~23% signals durable demand for the bank's loan products and successful customer expansion. Persistent top-line growth supports net interest income, funds reinvestment into distribution and tech, and creates a structural base for margin recovery over multiple quarters.
Focused Business Model & PartnershipsAUBANK's focus on underserved and unbanked segments, paired with strategic fintech partnerships, creates a sustainable distribution advantage. This niche reduces competition with large banks, improves customer acquisition economics, and embeds technology for scalable, lower-cost servicing over the medium term.
Measured Leverage And Return On EquityA debt-to-equity of 0.68 and a stable ~12% ROE indicate prudent leverage and the ability to generate returns on shareholder capital. This balance supports growth while limiting solvency risk, enabling the bank to expand loan books without excessive funding stress across multiple reporting periods.
Bears Say
Negative Operating & Free Cash FlowRecent negative operating and free cash flows point to liquidity pressure despite accounting profits. Persistently weak cash generation can force reliance on wholesale funding or slower loan growth, constraining durable expansion and increasing refinancing and interest-rate risks over coming quarters.
Negative EBIT MarginA negative EBIT margin indicates that operating or non-operating costs are eroding core profitability despite EBITDA gains. If sustained, this limits retained earnings, weakens capital accumulation, and may necessitate cost restructuring or higher pricing that could impair long-term asset growth and competitiveness.
Liquidity Management ConcernsThe bank's own analysis flags liquidity management as a weakness. Structural liquidity gaps elevate funding cost and refinancing risk, particularly for a retail-focused lender expanding assets. Poor liquidity governance can constrain loan origination and increase dependency on volatile funding sources over months.
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 ₹764.36B.
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 64 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 747,580,800 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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