AU Small Finance Bank stock
AUBANK.NSNSEAU Small Finance Bank Limited, Financial ServicesISIN INE949L01017
69Score 69 out of 100, Neutral
Price and trend
53 / 100
Price history
+11% in one yearThe chart shows daily closes over 9 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.9% below it.
Since November 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 58).
The price is 13% below its 52-week high. Largest decline in 9 years: 68% (February 2020 to May 2020).
Chart figures for advanced users
- SMA 50$10.49
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$10.61
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)58
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$8.96
- The lowest closing price of the last twelve months.
- Resistance$12.00
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- AU Small Finance Bank Limited belongs to the Banks (Regional) industry (India) and, with a market value of $7.8B, is number 134 of 420 companies in its industry on MEQIRI.
- In fiscal 2026 it earned $280.73M (up 25.4% year on year).
- For fiscal 2027, analysts expect on average adjusted earnings per share of $0.51 (up 35%).
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- MEQIRI Score 69 out of 100 (Neutral): rank 442 of 975 in Financial Services, median 68.
- The P/E is 23.6 (Banks (Regional) median 12.9, own median of recent years 26.5).
- Our model puts fair value at $6.67, with the price 56% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 15.4% over the last 12 months.Profitability 71
- Consistently profitableProfit in all 10 fiscal years from 2017 to 2026.Fundamentals 89
- Analysts expect strong earnings growthUp 22.4% a year through 2029 (estimates from 24 analysts).Growth 83
Weaknesses
- Above fair valuePrice 56% above the fair value of $6.67.Valuation 39
- DilutionShare count up 12% since 2021.Capital allocation 55
Its standout strengths are fundamentals and growth, while valuation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 68 to 69.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $5.13 and expensive above $9.53 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $7.65 (excess return model) and $5.69 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 12.6%. At 13.6% the fair value would be $6.10, at 11.6% it would be $7.49.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.9).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 19.1% on the twelve months before. Revenue has grown strongly since 2013, at around 36% per year.
Margins
- Operating margin
- Net margin
In fiscal 2026: operating 29%, net 22%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 76 days
- Last reported
- 24 Oct 2026EPS reported $0.12 (expected $0.13)below expectations
Analyst estimates
Earnings estimates have barely changed since 26 Oct 2026.
- Earnings per share
- $0.51−0.3%
- Revenue
- $1.58B+0.2%
- Earnings per share
- $0.63−1.0%
- Revenue
- $1.92B+0.1%
MEQIRI has stored the estimates since 26 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at AU Small Finance Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 69
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- BOK FinancialBOKF $7.91B68
- Valley National BancorpVLY $7.91B64
- Commerce BancsharesCBSH $7.87B72
- Shanghai Commercial & Savings Bank5876.TW $7.84B60
- Credito EmilianoCE.MI $7.73B77
- IndusInd BankINDUSINDBK.NS $7.71B47
- Bank of MaharashtraMAHABANK.NS $7.5B77
- Banca GeneraliBGN.MI $7.42B77
ETFs that hold AU Small Finance Bank
Held by 15 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI India UCITS ETFQDV5 | 0.39% | 0.65% | €4.98B |
| WisdomTree Emerging Markets ex-State Owned Enterprises UCITS ETF AccumUSDXSOE | 0.08% | 0.32% | €17.98M |
| iShares MSCI EM Asia UCITS ETFCEBL | 0.06% | 0.20% | €7.14B |
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| iShares MSCI EM CTB Enhanced ESG UCITS ETFEDM2 | 0.05% | 0.18% | €7.25B |
| Amundi MSCI EM Asia ESG Broad Transition UCITS ETF AccLCUA | 0.05% | 0.25% | €661.06M |
| iShares MSCI EM UCITS ETF USD (Dist)IQQE | 0.05% | 0.18% | €8.51B |
| Amundi Core MSCI Emerging Markets UCITS ETF EUR DistAEMD | 0.05% | 0.18% | €9.52B |
| iShares MSCI EM IMI Screened UCITS ETF USD (Acc)AYEM | 0.04% | 0.18% | €5.26B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = ₹94.0836)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 21 Oct 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.