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India's largest small finance bank, grown from a vehicle-finance NBFC into retail and MSME banking for underbanked customers.
India's largest small finance bank, grown from a vehicle-finance NBFC into retail and MSME banking for underbanked customers.
Earns interest on loans, historically secured on vehicles, to borrowers that large banks often treat as risky, charging higher rates than banks do, funded by deposits drawn through a growing branch and digital network. It began life as a vehicle-finance lender and became a small finance bank in 2017.
In one line: An India micro/SME-lending regional bank.
Moat: narrow (distribution, process know-how). Deep underwriting experience in underbanked/vehicle-finance segments other banks avoid.
Headquarters: Jaipur, India · Founded: 1996 · Employees: 59,207
Size AU Small Finance Bank (AUBANK.NS) is an India Financials company (Regional Banks) with a market value of $7.39B, the 156th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹931.80 on 6 Nov 2026.
Performance Over six months the shares fell 9.7%, against +6.1% for the median peer and 0.0% for the India market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue grew 16.9% over the last twelve months (peer median +7.4%); the operating margin is 31.3% (peer median 45.2%).
Valuation It trades at 3.21× book value against a peer median of 1.27× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 44.0%; AU Small Finance Bank delivers 15.7%, so the price asks more than the business earns today.
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹236B | ₹216B | ₹186B | ₹123B | ₹92.4B |
| Revenue growth | — | +16% | +51% | +33% | — |
| Net income | ₹31.5B | ₹26.4B | ₹21.1B | ₹15.3B | ₹14.3B |
| Free cash flow | n/a | ₹45.3B | ₹28.5B | ₹19.1B | ₹16.4B |
| Capital expenditure | n/a | ₹8.09B | ₹2.64B | ₹3.46B | ₹3.06B |
| Total debt | ₹142B | ₹304B | ₹249B | ₹131B | ₹138B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| AU Small Finance Bank AUBANK.NS | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% |
| Equitas Small Finance Bank EQUITASBNK.NS | $662M | -25% | +15% | 11% | 0.95× | 15.4% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% |
| Bandhan Bank BANDHANBNK.NS | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% |
| IDFC First Bank IDFCFIRSTB.NS | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | AUBANK.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -6.2% | +2.4% | 5th lowest of 21 |
| 6-month return | -9.7% | +6.1% | 3rd lowest of 21 |
| Return on equity | 15.7% | 11.0% | 4th highest of 21 |
| Price / book | 3.21× | 1.27× | 2nd most expensive of 21 |
| Trailing P/E | 22.4× | 13.1× | 2nd most expensive of 20 |
| ROE the price implies | 44.0% | 9.3% | most demanding of 20 |
| ROE delivered | 15.7% | 11.1% | 4th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |
| IDFC First Bank IDFCFIRSTB.NS | India | $7.05B | +10% | +13% | 6% | 1.35× | 24.3% | 6.3% |
| Bank Millennium MIL.WA | Poland | $7.04B | +26% | -2% | 16% | 2.80× | 38.0% | 15.6% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| BNP Paribas Bank Polska Spolka Akcyjna BNP.WA | Poland | $6.65B | +20% | -8% | 16% | 1.59× | 14.8% | 16.2% |
| United Bankshares UBSI | United States | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% | 9.4% |
| Hachijuni Nagano Bank 8359.T | Japan | $6.53B | +6% | +20% | 7% | 0.85× | 5.6% | 6.5% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |