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AU Small Finance Bank Limited
(AUBANK)
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Rating:63Neutral
Price Target:
₹936.00
▼(-5.53% Downside)
Action:Reiterated
Date:08/04/26
The score is held back primarily by highly inconsistent cash flows and weaker cash conversion despite reported profitability, partially offset by solid income-statement growth and a balance sheet that shows improved leverage. Technicals are supportive with the stock trading above key moving averages, but valuation remains relatively demanding with a low dividend yield.
Positive Factors
Revenue and profit growth
Revenue growth re-accelerated in FY2026 and net income continued to increase, indicating that AU Small Finance Bank is expanding its earnings base. Continued top-line and profit growth can support investment in branches, digital channels, and lending capacity over the next several quarters.
Negative Factors
Volatile cash generation
Cash generation has been highly inconsistent, with a deeply negative FY2025 followed by only a partial FY2026 recovery. Free cash flow converting to about 56% of net income suggests reported profitability is not consistently translating into cash, which can constrain funding flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profit growth
Revenue growth re-accelerated in FY2026 and net income continued to increase, indicating that AU Small Finance Bank is expanding its earnings base. Continued top-line and profit growth can support investment in branches, digital channels, and lending capacity over the next several quarters.
Read all positive factors
AU Small Finance Bank Limited (AUBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹660.81B
Dividend Yield0.11%
Average Volume (3M)106.30K
Price to Earnings (P/E)20.9
Beta (1Y)1.06
Revenue Growth16.85%
EPS Growth44.38%
CountryIN
Employees59,207
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)42.14
Shares Outstanding751,772,500
10 Day Avg. Volume105,644
30 Day Avg. Volume106,296
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
₹1,270.00Price Target Upside28.18% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)47.56
Revenue Forecast (FY)₹148.45B
AU Small Finance Bank Limited Business Overview & Revenue Model
Company Description
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 banki...
How the Company Makes Money
AU Small Finance Bank primarily earns money through (1) interest income on loans and advances and (2) fee and other non-interest income from banking services. The largest economic driver is typically net interest income: the bank raises funds main...
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 | 235.75B | 216.14B | 185.90B | 122.53B | 92.41B | 69.16B |
| Gross Profit | 123.53B | 104.76B | 105.38B | 68.56B | 54.60B | 42.28B |
| EBITDA | 41.85B | 37.46B | 30.47B | 22.25B | 20.50B | 15.94B |
| Net Income | 31.53B | 26.41B | 21.06B | 15.35B | 14.28B | 11.30B |
Balance Sheet | ||||||
| Total Assets | 2.12T | 1.92T | 1.58T | 1.09T | 902.16B | 690.78B |
| Cash, Cash Equivalents and Short-Term Investments | 108.65B | 85.23B | 94.66B | 63.76B | 10.36B | 59.77B |
| Total Debt | 142.39B | 138.72B | 116.60B | 130.84B | 62.99B | 59.91B |
| Total Liabilities | 1.90T | 1.72T | 1.41T | 968.66B | 792.39B | 615.64B |
| Stockholders Equity | 218.10B | 199.74B | 171.66B | 125.60B | 109.77B | 75.14B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.20B | -213.67B | 19.11B | 51.88B | 65.66B |
| Operating Cash Flow | 0.00 | 18.29B | -211.02B | 22.57B | 54.94B | 68.49B |
| Investing Cash Flow | 0.00 | -50.90B | -59.31B | -48.55B | -43.20B | -47.53B |
| Financing Cash Flow | 0.00 | 23.18B | 289.72B | 170.15B | 23.23B | -9.48B |
AU Small Finance Bank Limited Technical Analysis
Negative
990.80
Price Trends
1025.21
Negative
1030.16
Negative
1002.47
Negative
Market Momentum
-38.22
Positive
29.75
Positive
13.10
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AUBANK, the sentiment is Negative. The current price of 990.8 is above the 20-day moving average (MA) of 968.07, below the 50-day MA of 1025.21, and below the 200-day MA of 1002.47, indicating a bearish trend. The MACD of -38.22 indicates Positive momentum. The RSI at 29.75 is Positive, neither overbought nor oversold. The STOCH value of 13.10 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:AUBANK.
AU Small Finance Bank Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₹106.16B | 9.22 | ― | 3.38% | 20.90% | 174.30% | |
63 Neutral | ₹660.81B | 20.86 | ― | 0.11% | 16.85% | 44.38% | |
59 Neutral | ₹542.06B | 25.00 | ― | 0.29% | 9.04% | 57.73% | |
56 Neutral | ₹74.43B | 14.57 | ― | 1.27% | 9.24% | ― | |
56 Neutral | ₹40.31B | 8.41 | ― | ― | 17.75% | 15.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | ₹251.02B | 18.50 | ― | 0.96% | 0.82% | 51.69% |
* General Sector Average
IN:AUBANK
AU Small Finance Bank Limited
879.00
1.80
0.21%
IN:BANDHANBNK
Bandhan Bank Ltd.
155.80
-13.24
-7.83%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
65.05
5.72
9.64%
IN:JSFB
Jana Small Finance Bank Ltd
380.95
-71.40
-15.78%
IN:RBLBANK
RBL Bank Ltd.
349.20
24.94
7.69%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
54.36
1.65
3.13%
AU Small Finance Bank Limited Corporate Events
AU Small Finance Bank posts analyst call recording on quarterly results
Oct 24, 2026
AU Small Finance Bank has notified stock exchanges that it has made available the audio recording of its conference call with analysts and investors discussing the unaudited financial results for the quarter and half year ended September 30, 2026....
AU Small Finance Bank posts strong Q2 FY27 provisional growth in deposits and loans
Oct 3, 2026
AU Small Finance Bank has reported strong provisional operating metrics for the quarter ended September 30, 2026, ahead of its formal financial results. Total deposits rose 28.6% year-on-year to ₹1,70,460 crore and 8.1% sequentially, while C...
AU Small Finance Bank files revised investor presentation for ICICI Securities meet
Sep 24, 2026
AU Small Finance Bank Limited has submitted a revised investor presentation to the National Stock Exchange of India and BSE, in line with Regulation 30 of SEBI’s Listing Obligations and Disclosure Requirements. The updated deck is prepared f...
AU Small Finance Bank Names Anil Agarwal to Lead Commercial and Institutional Banking
Sep 14, 2026
AU Small Finance Bank has appointed Anil Agarwal as Senior Executive Group Head for Commercial and Institutional Banking, classified as senior management personnel, effective September 14, 2026. The move strengthens the bank’s leadership ben...
AU Small Finance Bank Holds 31st AGM via Virtual Platform with E-Voting Oversight
Sep 5, 2026
AU Small Finance Bank Limited held its 31st Annual General Meeting on September 5, 2026, via video conferencing and other audio-visual means, in line with MCA and SEBI guidelines for virtual shareholder meetings. The session was live-streamed thro...
AU Small Finance Bank to Engage Investors at Goldman Sachs Asia Leaders Conference 2026
Aug 25, 2026
AU Small Finance Bank has notified the exchanges that it will participate in the Goldman Sachs Asia Leaders Conference 2026 in Hong Kong on August 31 and September 1, through a series of physical individual and group meetings with analysts and ins...
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.