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AU Small Finance Bank Limited (AUBANK.NS)
Jaipur, IN
AU Small Finance Bank Limited, established in Jaipur, India, in 1996, delivers a broad spectrum of banking and financial solutions across India. The company organizes its operations into Treasury, Retail Banking, Wholesale Banking, and other banking activities. It offers a diverse range of deposit products, such as savings, current, salary, senior citizen, NRI, fixed, recurring, and specialized COVID shield accounts, alongside providing debit and credit cards and locker facilities. Its lending portfolio is extensive, encompassing financing for cars, two-wheelers, commercial vehicles, personal needs, tractors, homes, gold, construction equipment, businesses, agriculture, and working capital. Beyond core banking, the bank provides various insurance products including life, health, general, and motor coverage, as well as investment opportunities like mutual funds and the National Pension System. For businesses, it offers overdrafts, cash credit, bank guarantees, and letters of credit. Digital services include internet and mobile banking, collection and receivables management, and various payment processing and merchant services. The bank also extends its expertise to government banking, serving central and state governments, public sector undertakings, various boards, defence organizations, urban local bodies, and other government departments. As of March 31, 2022, its physical footprint included 692 bank branches, 210 correspondent banking outlets, 17 business correspondents, and 514 ATMs. The institution adopted its current name, AU Small Finance Bank Limited, in May 2017, having previously been known as AU Financiers (India) Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +5.42% | +5.51% | +1.59% | +12.56% | +4.90% | +2.11% | +30.41% | +33.36% | +89.81% | +278.38% | +278.38% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 5 | 0 |
| Buy | 9 | 0 |
| Hold | 5 | 0 |
| Sell | 3 | 0 |
| Strong Sell | 3 | 0 |
-
Revenue growth+16.3% Q1'26: +14.2% (vs Q1'25)
-
EPS growth+25.4% Q1'26: +62.6% (vs Q1'25)
-
FCF margin— Q1'26: -141.3% (vs Q1'25)
-
EBIT margin— Q1'26: +18.8% (vs Q1'25)
-
ROIC— Q1'26: +13.1% (vs Q1'25)
-
Share dilution+0.1% Q1'26: +1.6% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.20× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 20 Rev. Ana. 22 EPS Ana. |
Mar 2027 23 Rev. Ana. 22 EPS Ana. |
Mar 2028 23 Rev. Ana. 23 EPS Ana. |
Mar 2029 11 Rev. Ana. 10 EPS Ana. |
Mar 2030 7 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
21.56B
est: 13.32B (+61.9%)
|
34.12B
est: 18.02B (+89.4%)
|
49.93B
est: 25.75B (+93.9%)
|
63.72B
est: 34.33B (+85.6%)
|
69.16B
est: 42.17B (+64.0%)
|
92.41B
est: 54.64B (+69.1%)
|
122.53B
est: 70.83B (+73.0%)
|
185.94B
est: 104.61B (+77.7%)
|
121.43B
119.20B – 123.20B
+16.1% YoY
|
149.13B
144.64B – 155.20B
+22.8% YoY
|
180.77B
175.19B – 189.75B
+21.2% YoY
|
217.62B
217.25B – 217.99B
+20.4% YoY
|
249.87B
242.24B – 261.26B
+14.8% YoY
|
| EBITDA |
3.45B
est: 2.78B (+24.3%)
|
6.42B
est: 3.76B (+70.8%)
|
7.63B
est: 5.37B (+42.1%)
|
15.63B
est: 7.16B (+118.2%)
|
15.94B
est: 8.80B (+81.2%)
|
20.50B
est: 11.40B (+79.9%)
|
22.25B
est: 13.76B (+61.7%)
|
30.47B
est: 86.53B (-64.8%)
|
23.58B
23.15B – 23.93B
-72.7% YoY
|
28.96B
28.09B – 30.14B
+22.8% YoY
|
35.11B
34.02B – 36.85B
+21.2% YoY
|
42.27B
42.19B – 42.34B
+20.4% YoY
|
48.53B
47.05B – 50.74B
+14.8% YoY
|
| EBIT |
2.92B
est: 2.54B (+14.9%)
|
5.80B
est: 6.11B (-5.1%)
|
6.75B
est: 8.21B (-17.8%)
|
14.58B
est: 10.37B (+40.7%)
|
14.54B
est: 12.04B (+20.8%)
|
18.65B
est: 16.31B (+14.4%)
|
19.99B
est: 12.55B (+59.3%)
|
27.88B
est: 23.40B (+19.1%)
|
21.51B
21.12B – 21.83B
-8.1% YoY
|
26.42B
25.63B – 27.50B
+22.8% YoY
|
32.03B
31.04B – 33.62B
+21.2% YoY
|
38.56B
38.49B – 38.62B
+20.4% YoY
|
44.27B
42.92B – 46.29B
+14.8% YoY
|
| Net Income |
2.92B
est: 3.80B (-23.2%)
|
3.82B
est: 4.02B (-5.1%)
|
6.75B
est: 5.41B (+24.8%)
|
11.71B
est: 7.66B (+52.9%)
|
11.30B
est: 8.89B (+27.1%)
|
14.28B
est: 12.04B (+18.6%)
|
15.35B
est: 18.11B (-15.2%)
|
21.06B
est: 21.84B (-3.6%)
|
26.41B
24.38B – 27.51B
+20.9% YoY
|
36.12B
33.10B – 39.09B
+36.8% YoY
|
45.53B
41.59B – 48.33B
+26.0% YoY
|
55.97B
44.12B – 60.92B
+22.9% YoY
|
62.00B
59.54B – 65.68B
+10.8% YoY
|
| SGA |
634.32M
est: 604.24M (+5.0%)
|
1.08B
est: 12.20B (-91.2%)
|
1.50B
est: 17.33B (-91.3%)
|
1.41B
est: 19.30B (-92.7%)
|
22.23B
est: 22.40B (-0.8%)
|
31.62B
est: 30.35B (+4.2%)
|
39.07B
est: 17.95B (+117.6%)
|
52.99B
est: 26.36B (+101.0%)
|
30.78B
30.21B – 31.23B
+16.8% YoY
|
37.80B
36.66B – 39.34B
+22.8% YoY
|
45.82B
44.41B – 48.10B
+21.2% YoY
|
55.16B
55.07B – 55.26B
+20.4% YoY
|
63.34B
61.40B – 66.23B
+14.8% YoY
|
| EPS |
5.13
est: 5.10 (+0.6%)
|
5.72
est: 6.53 (-12.4%)
|
11.39
est: 12.11 (-6.0%)
|
19.10
est: 17.86 (+6.9%)
|
18.03
est: 17.88 (+0.8%)
|
21.86
est: 21.62 (+1.1%)
|
22.98
est: 24.03 (-4.4%)
|
28.32
est: 28.21 (+0.4%)
|
34.51
32.68 – 36.87
+22.3% YoY
|
47.76
44.36 – 52.39
+38.4% YoY
|
60.17
55.74 – 64.77
+26.0% YoY
|
72.80
59.13 – 81.65
+21.0% YoY
|
83.10
79.80 – 88.03
+14.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-11 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-10 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-09 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-08 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-05 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-04 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-03 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-02 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-06-01 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-29 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-27 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-26 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-25 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-22 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-21 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-20 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-19 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-18 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-15 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-14 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-13 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-12 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-11 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 3/5 | 3/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 4/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 4/5 | 4/5 | 4/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 2/5 | 1/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Emerging Markets Multifactor Fund EMMF | 0.36% | 641.3K | 0.48% |
| 2 | Matthews India Active ETF INDE INDE | 0.35% | 62.1K | 0.79% |
| 3 | WisdomTree India Earnings Fund EPI | 0.13% | 2.60M | 0.84% |
| 4 | T. Rowe Price Emerging Markets Equity Research ETF TEMR | 0.09% | 21.6K | 0.40% |
| 5 | WisdomTree True Emerging Markets Fund XC | 0.09% | 69.6K | 0.32% |
| 6 | WisdomTree Emerging Markets ex-State-Owned Enterprises UCITS ETF - USD Acc XSOE.L | 0.06% | 13.4K | 0.32% |
| 7 | Schwab Emerging Markets Equity ETF SCHE | 0.05% | 6.93M | 0.06% |
| 8 | State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF EEMX | 0.05% | 95.2K | 0.30% |
| 9 | WisdomTree Emerging Markets ex-State-Owned Enterprises Fund XSOE | 0.05% | 985.3K | 0.32% |
| 10 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.03% | 5.41M | 0.07% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sanjay Agarwal | Founder, MD, Chief Executive Officer & Executive Director | 40M | male |
| Uttam Tibrewal | Deputy Chief Executive Officer | 29M | male |
| Deepak Jain | Chief Risk Officer | — | male |
| Gaurav Jain | Chief Financial Officer | — | male |
| Manmohan Parnami | Company Secretary & Compliance Officer | — | male |
| Manoj Tibrewal | Head of Customer Experience and Group Head of HR, Admin & Infra | — | male |
| Prince Tiwari | Chief of Financial Institutions Group & Chief Investor Relations Officer | — | male |
| Vijendra Singh Shekhawat | President of Core Market Banking | — | male |
| Ankur Tripathi | Chief Information Officer | — | male |
| Yogesh Jain | Chief Operating Officer | — | male |
| Ashok Kumar Khandelwal | Chief Compliance Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for AUBANK.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
