AU Small Finance Bank Limited (IN:AUBANK)
:AUBANK
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AU Small Finance Bank Limited
(AUBANK)
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Rating:67Neutral
Price Target:
₹1,104.00
▲(11.43% Upside)
Action:ReiteratedDate:05/02/26
The score is primarily held back by highly inconsistent cash flows and weaker cash conversion despite reported profitability. Offsetting this, the technical picture is constructive with the stock trading above major moving averages and positive (but not overstretched) momentum, while valuation is middling with a moderate P/E and a very low dividend yield.
Positive Factors
Balance-sheet de-risking
Meaningful 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.
Negative Factors
Cash-flow volatility
Extreme 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet de-risking
Meaningful 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.
Read all positive factors
AU Small Finance Bank Limited (AUBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹786.28B
Dividend Yield0.1%
Average Volume (3M)281.56K
Price to Earnings (P/E)18.9
Beta (1Y)0.94
Revenue Growth16.04%
EPS Growth25.01%
CountryIN
Employees29,738
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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)47.67
Revenue Forecast (FY)₹149.13B
AU Small Finance Bank Limited Business Overview & Revenue Model
Company Description
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 ci...
How the Company Makes Money
AU Small Finance Bank primarily earns money through (1) interest income from lending and (2) fee and other income from banking services. Its largest revenue driver is net interest income: the bank raises funds mainly via customer deposits (savings...
AU Small Finance Bank Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 201.80B | 216.14B | 185.94B | 122.53B | 92.41B | 69.16B |
| Gross Profit | 83.55B | 104.76B | 105.42B | 68.56B | 54.60B | 42.28B |
| EBITDA | 28.68B | 37.46B | 30.47B | 22.25B | 20.50B | 15.94B |
| Net Income | 21.74B | 26.41B | 21.06B | 15.35B | 14.28B | 11.30B |
Balance Sheet | ||||||
| Total Assets | 1.66T | 1.92T | 1.58T | 1.09T | 902.16B | 690.78B |
| Cash, Cash Equivalents and Short-Term Investments | 73.05B | 85.23B | 94.66B | 63.76B | 10.36B | 59.77B |
| Total Debt | 103.19B | 138.72B | 116.60B | 130.84B | 62.99B | 127.95B |
| Total Liabilities | 1.47T | 1.72T | 1.41T | 968.66B | 792.39B | 615.64B |
| Stockholders Equity | 183.16B | 199.74B | 171.66B | 125.60B | 109.77B | 75.14B |
Cash Flow | ||||||
| Free Cash Flow | -81.27B | 10.20B | -213.67B | 19.11B | 51.88B | 65.66B |
| Operating Cash Flow | -75.84B | 18.29B | -211.02B | 22.57B | 54.94B | 68.49B |
| Investing Cash Flow | -14.66B | -50.90B | -59.31B | -48.55B | -43.20B | -47.53B |
| Financing Cash Flow | 68.88B | 23.18B | 289.72B | 170.15B | 23.23B | -9.48B |
AU Small Finance Bank Limited Technical Analysis
Positive
990.80
Price Trends
950.26
Positive
963.03
Positive
871.85
Positive
Market Momentum
12.99
Negative
61.53
Neutral
90.59
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AUBANK, the sentiment is Positive. The current price of 990.8 is above the 20-day moving average (MA) of 917.88, above the 50-day MA of 950.26, and above the 200-day MA of 871.85, indicating a bullish trend. The MACD of 12.99 indicates Negative momentum. The RSI at 61.53 is Neutral, neither overbought nor oversold. The STOCH value of 90.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:AUBANK.
AU Small Finance Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹636.24B | 5.82 | ― | 2.87% | 6.51% | 7.93% | |
69 Neutral | ₹725.14B | 11.92 | ― | 0.45% | 7.00% | 4.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹786.28B | 18.93 | ― | 0.10% | 16.04% | 25.01% | |
62 Neutral | ₹1.17T | 8.97 | ― | 2.07% | 8.72% | 3.94% | |
59 Neutral | ₹336.19B | 9.25 | ― | 1.35% | ― | ― | |
58 Neutral | ₹670.51B | 10.00 | ― | ― | 11.22% | 57.74% |
* Financial Sector Average
IN:AUBANK
AU Small Finance Bank Limited
1,050.40
347.72
49.48%
IN:BANKINDIA
Bank of India
139.75
33.55
31.59%
IN:FEDERALBNK
Federal Bank Ltd. (India)
297.30
104.07
53.86%
IN:INDIANB
Indian Bank
865.65
307.42
55.07%
IN:IOB
Indian Overseas Bank
34.82
-2.48
-6.65%
IN:UCOBANK
UCO Bank
26.81
-3.67
-12.04%
AU Small Finance Bank Limited Corporate Events
AU Small Finance Bank posts FY26 results call audio for investors
Apr 27, 2026
AU Small Finance Bank Limited has notified the stock exchanges that the audio recording of its analyst and investor conference call discussing audited financial results for the quarter and financial year ended March 31, 2026 is now available on it...
AU Small Finance Bank clears FY26 results, confirms new CFO and fresh fund-raising mandate
Apr 27, 2026
AU Small Finance Bank’s board has approved the audited financial results for the quarter and full year ended 31 March 2026, confirming an unmodified audit opinion from its joint statutory auditors. The board also recommended a dividend of Re...
AU Small Finance Bank clears FY26 results, names new CFO and lines up major fund-raise
Apr 27, 2026
AU Small Finance Bank’s board has approved the audited financial results for the quarter and year ended March 31, 2026, and recommended a final dividend of Re. 1 per equity share, equivalent to 10% of the face value, subject to shareholder a...
AU Small Finance Bank posts strong FY26 results with profit up 25%
Apr 27, 2026
AU Small Finance Bank reported a strong finish to FY26, with fourth-quarter profit after tax rising 65% year-on-year to ₹832 crore and full-year profit up 25% to ₹2,641 crore, driven by an expanded net interest margin of 5.96%, lower c...
AU Small Finance Bank Publishes FY26 Investor Presentation and Earnings Materials
Apr 27, 2026
AU Small Finance Bank has released an investor presentation detailing its audited financial results for the quarter and full financial year ended March 31, 2026. The materials, prepared in conjunction with its scheduled investor conference call, r...
AU Small Finance Bank Schedules Investor Call on FY 2026 Results
Apr 21, 2026
AU Small Finance Bank has scheduled a group conference call with analysts and investors to discuss its financial results for the quarter and financial year ended March 31, 2026. The call, to be led by senior management, will take place on Monday, ...
AU Small Finance Bank’s Uttam Tibrewal Ends Director Tenure, Continues as Deputy CEO
Apr 18, 2026
AU Small Finance Bank has announced that Uttam Tibrewal’s tenure as Whole-time Director and Key Managerial Personnel ended at the close of business on April 18, 2026. Despite stepping down from the board, Tibrewal will continue as Deputy Chi...
AU Small Finance Bank Announces Completion of Tenure of Independent Director Kavita Venugopal
Mar 28, 2026
AU Small Finance Bank has announced that independent director Ms. Kavita Venugopal has completed her tenure and ceased to be a director on the board with effect from the close of business on March 28, 2026. The bank has formally recorded its appre...
AU Small Finance Bank Allots 42,604 Shares on ESOP Exercise
Mar 21, 2026
AU Small Finance Bank has allotted 42,604 equity shares of face value Rs. 10 each following the exercise of employee stock options granted under its ESOP schemes of 2016, 2018, 2020 and 2023. This allotment marginally increases the bank’s pa...
ICRA Reaffirms AU Small Finance Bank’s AA Rating as Growth and Universal Bank Transition Advance
Feb 26, 2026
AU Small Finance Bank said ICRA has reaffirmed its [ICRA] AA; Stable rating on the bank’s long-term Tier-II bonds, underscoring confidence in its credit profile and funding strength. The rating reaffirmation applies to Rs. 1,004 crore of Bas...
AU Small Finance Bank Clarifies Haryana De-Empanelment and Account Review
Feb 22, 2026
AU Small Finance Bank has issued a clarification following media reports that it was de-empanelled by the Government of Haryana for handling state government business, alongside another private sector bank linked to suspected fraudulent activities...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.