AU Small Finance

Why is AU Small Finance Bank Ltd falling/rising?

As of 22-Jun, AU Small Finance Bank Ltd's stock price is rising to 1,046.50, reflecting a 1.41% increase. This growth is driven by strong fundamentals, a significant 1-year return of 32.13%, and high institutional backing, despite some valuation concerns.

As of 22-Jun, AU Small Finance Bank Ltd's stock price is rising, currently at 1,046.50, reflecting an increase of 14.5 points or 1.41%. This upward movement can be attributed to several positive factors. The stock has shown strong performance over various time periods, with a 1-year return of 32.13%, significantly outperforming the broader market, which has seen a return of only 0.51%. Additionally, the stock has gained 2.38% over the past three days, indicating a consistent upward trend.<BR><BR>The company's fundamentals are robust, highlighted by a Tier 1 Capital Adequacy Ratio of 21.50% and a healthy growth rate in Net Interest Income of 25.95% annually. The latest financial results, particularly a PAT growth of 28.51% and record interest earned of Rs 5,019.15 crore, further bolster investor confidence. Furthermore, high institutional holdings at 68.57% suggest that knowledgeable investors are backing the stock, as their stake has increased by 0.86% over the previous quarter.<BR><BR>Despite some concerns regarding valuation, with a ROA of 1.4 and a Price to Book Value ratio that is considered expensive compared to peers, the overall market-beating performance and strong long-term growth prospects contribute to the stock's rising price. The stock is also close to its 52-week high, being only 3.32% away, which may encourage further buying interest among investors.

Which are the latest news on AU Small Finance?

Should I buy, sell or hold AU Small Finance Bank Ltd?

What does AU Small Finance do?

AU Small Finance Bank Ltd is a mid-cap banking institution that provides various banking services, having commenced operations in April 2017. As of March 2026, it reported net sales of ₹5,019.15 crore and a net profit of ₹832 crore.

Overview: <BR>AU Small Finance Bank Ltd is a mid-cap company operating in the Other Bank industry, providing banking services.<BR><BR>History: <BR>The company was incorporated as a Public Limited Company and changed its name from Au Financiers (India) Limited to AU Small Finance Bank Limited on 13th April 2017. It commenced banking operations on 19th April 2017 and has reported its latest quarterly results for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 5,019.15 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 832 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 73,093 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.10% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details: <BR>Address: 19-A Dhuleshwar Garden, Ajmer Road Jaipur Rajasthan : 302001 <BR>Phone: 91-141-4110060 <BR>Email: ipo@aubank.in <BR>Website: http://www.aubank.in

How big is AU Small Finance?

As of 10th June, AU Small Finance Bank Ltd has a market capitalization of 73,093.00 Cr and reported a net profit of 2,641.26 Cr over the latest four quarters, with total assets of 1,57,845.66 Cr as of March 2025.

As of 10th June, <BR><BR>Market Cap: AU Small Finance Bank Ltd has a market capitalization of 73,093.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, indicating a lack of valid data. The net profit for the latest four quarters is 2,641.26 Cr.<BR><BR>Balance Sheet Snapshot: The latest reporting period is March 2025, with shareholder's funds amounting to 17,166.29 Cr and total assets of 1,57,845.66 Cr.

Who are in the management team of AU Small Finance?

The management team of AU Small Finance includes Sanjay Agarwal (Managing Director & CEO), Uttam Tibrewal (Whole-time Director), and several independent directors, such as Raj Vikash Verma (Part-Time Chairman) and Malini Thadani. This diverse team provides strategic direction and governance for the company.

The management team of AU Small Finance includes the following key members:<BR><BR>1. **Sanjay Agarwal** - Managing Director & CEO<BR>2. **Uttam Tibrewal** - Whole-time Director<BR>3. **Manmohan Parnami** - Company Secretary & Compliance Officer<BR>4. **Raj Vikash Verma** - Part-Time Chairman<BR>5. **Sriram Mankal Shankar** - Independent Director<BR>6. **Pushpinder Singh** - Independent Director<BR>7. **Kannan Gopalaraghavan Vellur** - Independent Director<BR>8. **Harun Rasid Khan** - Independent Director<BR>9. **Kamlesh Vikamsey** - Independent Director<BR>10. **Malini Thadani** - Independent Director<BR>11. **Kavita Venugopal** - Independent Director<BR><BR>This team brings a diverse range of expertise to the company, contributing to its strategic direction and governance.

Who are the peers of the AU Small Finance?

Peers of AU Small Finance include Ujjivan Small, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, Suryoday Small Finance, ESAF Small Finance, and Capital Small Finance. AU Small Finance stands out with excellent management, growth, and capital structure, achieving a 1-year return of 24.85%, significantly higher than its peers.

Peers: The peers of AU Small Finance are Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., Suryoday Small, ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, and Suryoday Small, and Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, and Suryoday Small, while Average growth is seen at Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is found at Utkarsh Small F. and Capital Small. Excellent capital structure is attributed to AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Utkarsh Small F., while Below Average capital structure is observed at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: AU Small Finance has a 1-year return of 24.85%, which is higher than Ujjivan Small's 8.06% and significantly higher than Utkarsh Small F.'s -49.78%, the lowest among peers. Additionally, peers with negative six-month returns include Utkarsh Small F. and ESAF Small Fin.

Are AU Small Finance Bank Ltd latest results good or bad?

AU Small Finance Bank Ltd's Q4 FY26 results are strong, with a net profit of ₹831.87 crores, up 65.15% year-on-year, and improved net interest margin at 6.0%. However, the stock saw a slight decline, indicating some market caution despite solid financial performance.

AU Small Finance Bank Ltd's latest results for Q4 FY26 can be considered quite strong overall. The bank reported a net profit of ₹831.87 crores, reflecting a significant year-on-year growth of 65.15%. This marks a notable improvement compared to the previous quarter's profit of ₹667.66 crores, showcasing a sequential growth of 24.59%.<BR><BR>Total income for the quarter reached ₹5,750.10 crores, which is a 5.48% increase from the previous quarter and a 14.29% rise year-on-year. The bank's net interest income also surged to ₹2,582.33 crores, up 23.33% year-on-year, indicating robust growth in its core lending activities.<BR><BR>Additionally, the net interest margin (NIM) improved to 6.0%, up from 5.7% in the previous quarter, demonstrating effective management of interest income and expenses. The gross non-performing assets (NPA) improved to 2.03%, down from 2.30% in the previous quarter, which is a positive sign regarding asset quality.<BR><BR>However, the stock did experience a slight decline of 0.76% on April 28, 2026, as investors processed these mixed signals. While the financial performance indicates strong profitability and growth, the market's reaction suggests some caution regarding future sustainability, particularly concerning the declining CASA ratio and the competitive landscape.<BR><BR>In summary, the results reflect strong operational performance and profitability, positioning AU Small Finance Bank favorably within the small finance banking sector, despite some concerns about asset quality and funding dynamics.

When is the next results date for AU Small Finance Bank Ltd?

The next results date for AU Small Finance Bank Ltd is January 20, 2026.

The next results date for AU Small Finance Bank Ltd is scheduled for January 20, 2026.

Is AU Small Finance technically bullish or bearish?

As of December 2, 2025, the trend is bullish with strong support from MACD and KST indicators, despite bearish RSI readings suggesting potential weakness.

As of 2 December 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and the KST also confirms a bullish trend in both periods. Moving averages on the daily chart are bullish, reinforcing the positive momentum. However, the RSI is bearish on both the weekly and monthly charts, indicating some potential weakness. Bollinger Bands show a mildly bullish stance on both weekly and monthly time frames. Overall, the bullish trend is supported by multiple indicators, despite the bearish RSI readings.

How has been the historical performance of AU Small Finance?

AU Small Finance has shown significant growth from March 2019 to March 2025, with interest earned increasing from ₹2,949.13 Cr to ₹16,063.73 Cr, and profit after tax rising from ₹381.81 Cr to ₹2,105.93 Cr, alongside a substantial expansion in total assets. Overall, the company has demonstrated robust performance across key financial metrics.

Answer:<BR>The historical performance of AU Small Finance has shown significant growth over the years, particularly from March 2019 to March 2025.<BR><BR>Breakdown:<BR>AU Small Finance has experienced a remarkable increase in interest earned, rising from 2,949.13 Cr in March 2019 to 16,063.73 Cr in March 2025. This growth is primarily driven by interest on advances, which surged from 2,374.19 Cr in March 2019 to 13,368.35 Cr in March 2025. Total income also saw a substantial rise, reaching 18,590.04 Cr in March 2025, up from 3,411.04 Cr in March 2019. Net interest income followed a similar upward trend, climbing to 8,011.58 Cr in March 2025 from 1,342.60 Cr in March 2019. However, interest expended also increased significantly, from 1,606.53 Cr in March 2019 to 8,052.15 Cr in March 2025. The profit before tax rose to 2,788.05 Cr in March 2025, compared to 580.13 Cr in March 2019, while profit after tax reached 2,105.93 Cr in March 2025, up from 381.81 Cr in March 2019. The company's total assets expanded dramatically from 42,143.06 Cr in March 2019 to 1,57,845.66 Cr in March 2025, with total liabilities also increasing from 42,143.06 Cr to 1,57,845.67 Cr during the same period. Cash and cash equivalents at the end of March 2025 stood at 9,466.00 Cr, showing a positive trend from 3,369.00 Cr in March 2019. Overall, AU Small Finance has demonstrated robust growth across various financial metrics, indicating a strong performance trajectory over the years.

Is AU Small Finance overvalued or undervalued?

As of October 14, 2025, AU Small Finance is considered very expensive and overvalued with a PE Ratio of 26.40, a Price to Book Value of 3.38, and a PEG Ratio of 0.98, trading at a premium compared to peers like HDFC Bank and ICICI Bank, despite a strong year-to-date return of 38.5% that still lags behind the Sensex's 4.98%.

As of 14 October 2025, the valuation grade for AU Small Finance has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued. Key ratios include a PE Ratio of 26.40, a Price to Book Value of 3.38, and a PEG Ratio of 0.98. <BR><BR>In comparison to its peers, HDFC Bank has a PE of 21.65, while ICICI Bank stands at 20.21, both of which suggest that AU Small Finance is trading at a premium relative to these established banks. Additionally, while the company has shown strong returns year-to-date at 38.5%, it still lags behind the Sensex's 4.98% during the same period. This further reinforces the notion that AU Small Finance is overvalued in the current market context.

Who are the top shareholders of the AU Small Finance?

The top shareholders of AU Small Finance include Foreign Institutional Investors (FIIs) with 35.58%, promoters led by Sanjay Agarwal holding 15.74%, and mutual funds at 20.17%, with HDFC Mutual Fund being the largest public shareholder at 5.65%. Individual investors hold 5.45% of the shares, and there are no pledged promoter holdings.

The top shareholders of AU Small Finance include a mix of institutional and individual investors. The largest portion of shares is held by Foreign Institutional Investors (FIIs), accounting for 35.58% of the total shares. Promoters, led by Sanjay Agarwal, hold 15.74%. Additionally, mutual funds collectively hold 20.17% of the shares, with HDFC Mutual Fund's HDFC Mid-cap Opportunities Fund being the highest public shareholder at 5.65%. Individual investors also have a stake, holding 5.45% of the shares. There are no pledged promoter holdings reported.

What is the bonus history of the AU Small Finance?

AU Small Finance Bank's latest bonus issue was a 1:1 bonus announced on June 9, 2022, with a record date of June 10, 2022, allowing shareholders to receive an additional share for each share owned. This move aimed to enhance shareholder value and improve market liquidity.

AU Small Finance Bank has a notable bonus history, with its latest bonus issue being a 1:1 bonus announced on June 9, 2022. The record date for this bonus was June 10, 2022, meaning that shareholders on that date were eligible to receive an additional share for every share they owned. This bonus issue reflects the company's strategy to enhance shareholder value and improve liquidity in the market. If you have any more questions about AU Small Finance or its financial activities, feel free to ask!

Has AU Small Finance declared dividend?

AU Small Finance Bank has declared a 10% dividend, amounting to ₹1 per share, with an ex-date of July 12, 2024. While the dividend yield is 0.14%, total returns over various periods show significant growth, particularly over the long term.

AU Small Finance Bank Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Amount per share: 1<BR>- Ex-date: 12 Jul 24<BR><BR>Dividend Yield: 0.14%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 27.61%, with no dividend return, resulting in a total return of 27.61%.<BR><BR>Over the past year, the price return was 13.36%, the dividend return was 0.15%, leading to a total return of 13.51%.<BR><BR>In the 2-year period, there was a price return of -0.35%, a dividend return of 0.26%, resulting in a total return of -0.09%.<BR><BR>For the 3-year period, the price return was 18.18%, with a dividend return of 0.42%, culminating in a total return of 18.6%.<BR><BR>Over the last 4 years, the price return stood at 49.58%, the dividend return was 0.48%, giving a total return of 50.06%.<BR><BR>In the 5-year span, the price return was 210.56%, with a dividend return of 0.87%, resulting in a total return of 211.43%.<BR><BR>Overall, AU Small Finance Bank has declared a dividend, and while the dividend yield is relatively low, the total returns over various periods show significant growth, particularly in the long term.