AU Small Finance Bank Limited (IN:AUBANK)
:AUBANK
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AUBANK Stock Chart & Stats
₹990.80
₹3.60(0.64%)
At close: 4:00 PM EST
₹990.80
₹3.60(0.64%)
Day’s Range― - ―
52-Week Range₹655.00 - ₹1,079.65
Previous CloseN/A
Volume2.77M
Average Volume (3M)281.56K
Market Cap
₹780.87B
Enterprise Value₹819.79B
Total Cash (Recent Filing)₹73.05B
Total Debt (Recent Filing)₹103.19B
Price to Earnings (P/E)23.8
Beta0.94
Next Earnings
Jul 20, 2026EPS Estimate
10.48Next Dividend Ex-DateN/A
Dividend Yield0.1%
Share Statistics
EPS (TTM)11.10
Shares Outstanding748,358,760
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 Target
₹1,170.00Price Target Upside18.09% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)47.32
Revenue Forecast (FY)₹148.89B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSustained high revenue growth (reported ~23% in fundamentals) indicates expanding lending and deposit franchises. Durable top-line expansion supports scale, better risk diversification across retail/MSME portfolios, and provides recurring net interest income to fund investment and reserves over months.
Prudent Leverage And Steady ROEA moderate debt-to-equity ratio (~0.68) with steady ROE (~12.27%) signals balanced capital structure and efficient equity use. This structural strength helps sustain lending capacity without excessive leverage, preserving long-term solvency and supporting measured growth over the medium term.
Strong Gross Margins & Cost ControlConsistently strong gross margins and improving EBITDA margin reflect effective pricing and disciplined operating cost management. Durable margin control enhances the bank's ability to absorb credit costs, invest in distribution/digital capabilities, and maintain profitability through business cycles.
Bears Say
Negative Operating Cash FlowReported negative operating and free cash flows point to weak internal cash generation, increasing reliance on deposits or external borrowings. Over time this constrains liquidity buffers, limits capital flexibility for lending expansion, and raises funding cost sensitivity in stress scenarios.
Negative EBIT MarginA negative EBIT margin indicates operating profitability pressure, possibly from higher provisions or operating costs. Structural weakness at the EBIT level reduces retained earnings generation, limiting capital accumulation and forcing management to restore operating efficiency for sustainable growth.
Liquidity Management WeaknessExplicit notes that liquidity management needs improvement highlight structural funding risk. Poor liquidity controls can elevate funding costs, constrain the bank's ability to originate loans or meet withdrawals, and increase vulnerability to market dislocations over the medium term.
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 ₹655.00 and its highest was ₹1079.65 in the past 12 months.
What is AU Small Finance Bank Limited’s market cap?
AU Small Finance Bank Limited’s market cap is ₹780.87B.
When is AU Small Finance Bank Limited’s upcoming earnings report date?
AU Small Finance Bank Limited’s upcoming earnings report date is Jul 20, 2026 which is in 82 days.
How were AU Small Finance Bank Limited’s earnings last quarter?
AU Small Finance Bank Limited released its earnings results on Apr 27, 2026. The company reported ₹11.1 earnings per share for the quarter, beating the consensus estimate of ₹10.026 by ₹1.074.
Is AU Small Finance Bank Limited overvalued?
According to Wall Street analysts AU Small Finance Bank Limited’s price is currently Undervalued.
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 10.48.
How many shares outstanding does AU Small Finance Bank Limited have?
AU Small Finance Bank Limited has 748,358,760 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 ₹11.1 in its last earnings report, beating expectations of ₹10.026. Following the earnings report the stock price went down -2.079%.
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.
AUBANK Stock 12 Month Forecast
Average Price Target
₹1,170.00
▲(18.09% Upside)
Technical Analysis
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