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₹681.35 - ₹1,079.65
Previous CloseN/A
Volume2.77M
Average Volume (3M)281.56K
Market Cap
₹732.91B
Enterprise Value₹780.81B
Total Cash (Recent Filing)₹73.05B
Total Debt (Recent Filing)₹103.19B
Price to Earnings (P/E)18.9
Beta0.97
Next Earnings
Jul 20, 2026EPS Estimate
10.48Next Dividend Ex-DateN/A
Dividend Yield0.1%
Share Statistics
EPS (TTM)29.19
Shares Outstanding748,555,600
10 Day Avg. Volume136,750
30 Day Avg. Volume281,563
Financial Highlights & Ratios
PEG Ratio0.95
Price to Book (P/B)3.15
Price to Sales (P/S)2.91
P/FCF Ratio61.63
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,203.00Price Target Upside21.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)47.79
Revenue Forecast (FY)₹149.13B
Bulls Say, Bears Say
Bulls Say
Balance-sheet De-riskingMeaningful deleveraging to a ~0.69 debt/equity ratio increases financial resilience and lowers funding risk. Over a multi-month horizon this strengthens the bank's capacity to absorb shocks, maintain regulatory buffers, and support measured retail/MSME lending without resorting to costly wholesale funding.
Scale And Asset GrowthRapid balance-sheet scaling to ~1,918B indicates expanding franchise and deposit mobilization. Greater scale supports operating leverage, wider geographic and product coverage, and diversification of loan portfolios, which tend to stabilize revenues and underwriting experience over a 2–6 month strategic horizon.
Revenue And Net Income ExpansionRe-accelerating top-line growth and year-over-year net income gains reflect durable demand for lending and fee services. Combined with a still-positive net margin (~12.2%), this supports repeatable earnings generation that can fund operations and selective growth initiatives across the medium term.
Bears Say
Cash-flow VolatilityExtreme operating cash-flow swings and weak free cash flow coverage (FCF ~56% of net income in FY2026) indicate unreliable cash conversion. Persistent volatility reduces self-funding capacity, increases refinancing and liquidity risk, and constrains prudent capital allocation over the next several months.
Margin CompressionA structural decline in net margins versus prior years suggests pressure on spreads or rising funding/opex. If sustained, margin erosion will lower core earnings power, shrink buffers available for credit provisions, and necessitate higher growth rates to maintain returns over a medium-term horizon.
Data Gaps / Transparency RiskA reported ROE of 0.0 in FY2026 (likely missing) and flagged inconsistencies impair reliable trend analysis. Limited clarity on key performance metrics hinders assessment of management effectiveness, complicates capital-allocation decisions, and raises monitoring risk for investors over the coming 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 ₹681.35 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 ₹732.91B.
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 60 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 748,555,600 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
₹1,203.00
▲(21.42% Upside)
Technical Analysis
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