Is AU Small Finance Bank (AUBANK) overvalued or fairly valued?

MarketChacha shows AU Small Finance Bank's valuation in context — a forward P/E of about 16.4, a price-to-book of about 3.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is AU Small Finance Bank's revenue?

AU Small Finance Bank reported revenue of ₹12,091 Cr for FY2026, with net profit of ₹2,641 Cr, per official filings.

What is the share price of AU Small Finance Bank (AUBANK)?

AU Small Finance Bank last traded at ₹997.70 (+0.4% on the day), as of 7/21/2026 — a delayed quote shown for education, not investment advice.

AU Small Finance Bank

AUBANK · NSE · Banking · India

₹997.70+0.4%

Delayed · as reported by Yahoo Finance · as of Jul 21, 2026, 5:38 AM

Snapshot

TickerAUBANK

ExchangeNSE

SectorBanking

IndustryBanks - Regional

CountryIndia

CEOMr. Uttam Tibrewal

HeadquartersJaipur, India

Market cap₹74,334 Cr

P/B3.7

Volume2.4L

Websitewww.au.bank.in

Filings tracked0

About AU Small Finance Bank

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services. Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

Profile as reported by Yahoo Finance.

Who owns it

Promoters31.3%
Institutions49.7%
Public & other19.0%

204 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

Margin has compressed by about 4.3 points over the period — profitability is trending down.

Net margin trend26.2% → 21.8%

Margin has compressed by about 4.3 points over the period — profitability is trending down.

Growth qualityrev 30% · PAT 23%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev ₹3,524 Cr · EPS 11.44

Est. earnings growth +52.9%

Next fiscal year

Rev ₹18,005 Cr · EPS 60.56

Est. earnings growth +26.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹682.1552-wk range₹1,090.40

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹74,334 Cr

Day change

+0.4%

Fwd P/E

16.4

P/B

3.7

Div yield

0.09%

Revenue (FY2026)

₹12,091 Cr

Net margin

21.8%

Revenue CAGR (3y)

+30.3%

Profit CAGR (3y)

+22.7%

Net profit (FY2026)

₹2,641 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹12,091 Cr	₹2,641 Cr	21.8%
FY2025	₹10,538 Cr	₹2,106 Cr	20.0%
FY2024	₹6,903 Cr	₹1,535 Cr	22.2%
FY2023	₹5,460 Cr	₹1,428 Cr	26.2%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹3,313 Cr	₹832 Cr	25.1%
2025Q4	₹3,065 Cr	₹668 Cr	21.8%
2025Q3	₹2,857 Cr	₹561 Cr	19.6%
2025Q2	₹2,855 Cr	₹581 Cr	20.3%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.