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AU Small Finance Bank Limited
(AUBANK)
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Rating:63Neutral
Price Target:
₹1,113.00
▲(12.33% Upside)
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 Scale and Growth
Material top-line scaling and re-acceleration in FY2026 indicate the bank is successfully expanding its loan book and fee channels. Sustained revenue and net income growth provide a durable earnings base, supporting reinvestment, provisioning buffers and long-term franchise expansion.
Negative Factors
Volatile Cash Generation
Extreme operating cash flow volatility undermines durability of reported earnings. Large negative to positive swings constrain the bank's ability to self-fund growth, cover provisions or return capital. Persistent weak cash conversion raises forecasting and liquidity risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scale and Growth
Material top-line scaling and re-acceleration in FY2026 indicate the bank is successfully expanding its loan book and fee channels. Sustained revenue and net income growth provide a durable earnings base, supporting reinvestment, provisioning buffers and long-term franchise expansion.
Read all positive factors
AU Small Finance Bank Limited (AUBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹800.72B
Dividend Yield0.09%
Average Volume (3M)192.44K
Price to Earnings (P/E)27.9
Beta (1Y)1.07
Revenue Growth14.96%
EPS Growth30.22%
CountryIN
Employees59,207
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)38.22
Shares Outstanding750,578,100
10 Day Avg. Volume57,785
30 Day Avg. Volume192,435
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
₹1,256.67Price Target Upside26.83% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)47.75
Revenue Forecast (FY)₹148.16B
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 revenue through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is generated from the spread between interest earned on assets (mainly loans and advances and interest-b...
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 | 224.17B | 216.14B | 185.90B | 122.53B | 92.41B | 69.16B |
| Gross Profit | 114.98B | 104.76B | 105.38B | 68.56B | 54.60B | 42.28B |
| EBITDA | 38.87B | 37.46B | 30.47B | 22.25B | 20.50B | 15.94B |
| Net Income | 28.56B | 26.41B | 21.06B | 15.35B | 14.28B | 11.30B |
Balance Sheet | ||||||
| Total Assets | 1.97T | 1.92T | 1.58T | 1.09T | 902.16B | 690.78B |
| Cash, Cash Equivalents and Short-Term Investments | 84.83B | 85.23B | 94.66B | 63.76B | 10.36B | 59.77B |
| Total Debt | 134.19B | 138.72B | 116.60B | 130.84B | 62.99B | 127.95B |
| Total Liabilities | 1.76T | 1.72T | 1.41T | 968.66B | 792.39B | 615.64B |
| Stockholders Equity | 208.85B | 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
Neutral
990.80
Price Trends
1058.32
Positive
1031.59
Positive
995.68
Positive
Market Momentum
5.69
Positive
47.51
Neutral
11.38
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AUBANK, the sentiment is Neutral. The current price of 990.8 is below the 20-day moving average (MA) of 1086.31, below the 50-day MA of 1058.32, and below the 200-day MA of 995.68, indicating a neutral trend. The MACD of 5.69 indicates Positive momentum. The RSI at 47.51 is Neutral, neither overbought nor oversold. The STOCH value of 11.38 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
63 Neutral | ₹800.72B | 27.86 | ― | 0.09% | 14.96% | 30.22% | |
63 Neutral | ₹56.85B | 14.78 | ― | ― | 17.48% | -12.60% | |
60 Neutral | ₹642.63B | 29.72 | ― | 0.24% | 3.62% | 46.01% | |
56 Neutral | ₹83.51B | 16.47 | ― | 1.27% | 9.24% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹265.83B | 19.64 | ― | 0.91% | -2.19% | -34.11% | |
53 Neutral | ₹125.54B | 13.81 | ― | 3.38% | 15.87% | 70.88% |
* General Sector Average
IN:AUBANK
AU Small Finance Bank Limited
1,066.80
367.63
52.58%
IN:BANDHANBNK
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IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
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IN:JSFB
Jana Small Finance Bank Ltd
537.55
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12.18%
IN:RBLBANK
RBL Bank Ltd.
414.35
142.31
52.31%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
64.43
20.24
45.80%
AU Small Finance Bank Limited Corporate Events
AU Small Finance Bank posts conference call audio on quarterly results
Jul 25, 2026
AU Small Finance Bank Limited has notified stock exchanges that it has made available the audio recording of its July 25, 2026 conference call with analysts and investors, which discussed the unaudited financial results for the quarter ended June ...
AU Small Finance Bank posts strong Q1 FY27 growth in deposits and loans
Jul 3, 2026
AU Small Finance Bank reported provisional operational metrics for the quarter ended June 30, 2026, indicating strong growth in both deposits and lending activity. Total deposits rose 23.5% year-on-year to ₹1,57,730 crore and 3.3% sequential...
RBI Clears Kotak Mahindra Bank to Acquire Up to 9.99% Stake in AU Small Finance Bank
May 7, 2026
AU Small Finance Bank has disclosed that the Reserve Bank of India has granted Kotak Mahindra Bank and its group entities permission to acquire up to 9.99% of its paid-up share capital or voting rights. The approval, which is subject to compliance...
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.