AU Small Finance

Which are the latest news on AU Small Finance?

Why is AU Small Finance Bank Ltd falling/rising?

As of 05-Sep, AU Small Finance Bank Ltd's stock price is 1,066.80, down 0.41%. The recent decline is due to short-term underperformance, reduced investor participation, and a high valuation, despite strong long-term growth.

As of 05-Sep, AU Small Finance Bank Ltd's stock price is currently at 1,066.80, reflecting a decrease of 4.35 (-0.41%). The stock has been underperforming recently, having lost value for the last two consecutive days, resulting in a total decline of 1.17% during this period. Additionally, the stock's performance today has underperformed the sector by 0.97%.<BR><BR>Investor participation appears to be declining, as evidenced by a significant drop in delivery volume, which fell by 54.16% compared to the 5-day average. This reduced trading activity may indicate waning investor interest, contributing to the stock's downward movement.<BR><BR>Despite these short-term challenges, the stock has shown strong long-term performance, with a year-to-date increase of 7.28% and a remarkable 53.45% rise over the past year. However, the current valuation is considered very expensive, with a Price to Book Value of 4.1, which may deter some investors. The stock is trading at a premium compared to its peers, and while it has generated substantial returns, its profits have only increased by 30.8% over the same period.<BR><BR>In summary, the recent decline in AU Small Finance Bank Ltd's stock price can be attributed to short-term underperformance, falling investor participation, and a high valuation relative to its earnings growth, despite its strong long-term fundamentals.

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, including Raj Vikash Verma (Part-Time Chairman) and Malini Thadani. They are responsible for the company's strategic direction and regulatory compliance.

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 plays a crucial role in guiding the company's strategic direction and ensuring compliance with regulations.

What does AU Small Finance do?

AU Small Finance Bank Ltd is a mid-cap banking institution that offers various financial services, having transitioned from Au Financiers (India) Limited in April 2017. As of June 2026, it reported net sales of ₹5,302.74 Cr and a net profit of ₹796 Cr.

Overview:<BR>AU Small Finance Bank Ltd operates in the banking sector as a mid-cap company, providing various financial 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, surrendering its NBFC-ND-AFC Certificate of Registration with the RBI. The latest quarterly results reported are for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 5,302.74 Cr (Quarterly Results - Jun 2026)<BR>Most recent Net Profit: 796 Cr (Quarterly Results - Jun 2026)<BR>Market-cap value: INR 79,925 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.09%<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

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, ESAF Small Finance, Suryoday Small Finance, and Capital Small Finance. AU Small Finance exhibits excellent management and growth, while its 1-year return of 51.09% is lower than Ujjivan Small's 61.67% but higher than Utkarsh Small's -14.93%.

Peers: The peers of AU Small Finance are Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., ESAF Small Fin, Suryoday Small, 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, Suryoday Small, and Capital Small, while Average growth is seen at Equitas Sma. Fin and ESAF Small Fin, and Below Average growth is found at Utkarsh Small F. The Capital Structure is Excellent at 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: Ujjivan Small has the highest 1-year return at 61.67%, while Utkarsh Small F. has the lowest at -14.93%. AU Small Finance's 1-year return of 51.09% is higher than that of Utkarsh Small F. and lower than that of Ujjivan Small. Additionally, Utkarsh Small F. is the only peer with a negative six-month return.

How big is AU Small Finance?

As of 31st August, AU Small Finance Bank Ltd has a market capitalization of 79,925.00 Cr and reported a Net Profit of 2,856.35 Cr, with Shareholder's Funds at 19,973.53 Cr and Total Assets valued at 1,91,797.46 Cr. There is no valid sales data available for the latest four quarters.

As of 31st August, AU Small Finance Bank Ltd has a market capitalization of 79,925.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr, indicating a lack of valid sales data. The Net Profit for the same period was 2,856.35 Cr.<BR><BR>The latest annual period for the balance sheet is March 2026. Shareholder's Funds stood at 19,973.53 Cr, while Total Assets were valued at 1,91,797.46 Cr.

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

AU Small Finance Bank Ltd's latest results show strong year-on-year growth in net profit and net interest income, along with improved asset quality. However, the sequential decline in net profit and high reliance on non-operating income raise concerns about earnings sustainability.

AU Small Finance Bank Ltd's latest results present a mixed picture. On the positive side, the bank reported a net profit of ₹795.95 crore for Q1 FY27, reflecting a robust year-on-year growth of 37.03%. Additionally, net interest income surged to ₹2,695.50 crore, marking a year-on-year increase of 31.83%. The bank also demonstrated improvement in asset quality, with the gross non-performing asset (NPA) ratio declining to 2.10%, down from 2.47% a year ago.<BR><BR>However, there are some concerns. The net profit showed a sequential decline of 4.32% compared to the previous quarter, which raises questions about the sustainability of earnings growth. Furthermore, a significant portion of the bank's profitability is reliant on non-operating income, which accounted for 64.78% of profit before tax. This high dependency on non-core income could indicate potential volatility in earnings quality.<BR><BR>Overall, while the bank's core operations appear strong, the reliance on non-operating income and the recent decline in net profit are factors that investors should monitor closely.

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

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.