AU Small Finance Bank Share Price Target 2026, 2027, 2028, 2029, 2030
- Market Cap
- ₹80,521 Cr
- Book Value
- ₹264
- Stock P/E
- 28.2
- Dividend Yield
- 0.09%
- ROE
- 14.3%
- ROCE
- —
- PEG Ratio
- 1.24
- EV/EBITDA
- —
Fundamentals from Screener.in, as of 5 Aug 2026. Live price via Yahoo Finance.
Technical snapshot
EOD ·AU Small Finance Bank Ltd closed at ₹1,075.00 on 19 August 2026, down 0.1% on the day, 3.0% above its 50-day average, 2.8% below its 52-week high, with volume at 0.62× its 20-session average.
- RSI 14
- 55.7
- vs 50-day SMA
- +3.0%
- vs 200-day SMA
- +8.9%
- From 52-week high
- -2.8%
- Relative volume
- 0.62×
- 20-day return
- +9.7%
End-of-day prices from exchange-published files (NSE/BSE bhavcopy), updated after market close. Descriptive statistics, not investment advice.
AU Small Finance Bank share price today
AU Small Finance Bank (NSE: AUBANK) started as a Rajasthan vehicle financier and has compounded itself into India’s leading small-finance bank — 30.4% five-year sales CAGR, a 5.9% NIM (secured retail lending done properly), and a franchise now applying its playbook to a universal-bank future. The Fincare merger added south-India microfinance reach; the licence upgrade, when it comes, removes the “small” from the name and some of the discount from the multiple.
At 28.2× earnings and 4× book, it is priced as the growth bank — richer than large private banks, justified only if the compounding continues. The scenarios below stress that.
Growth bank, transition years
AU’s edge is underwriting the self-employed borrower banks historically avoided — vehicle loans, small business credit — with branch-level knowledge that data alone doesn’t replicate. Deposits have grown into the asset engine (the harder half of banking), though at a cost: deposit rates that keep NIM below its NBFC-era peaks and an ROE (14.3%) temporarily diluted by merger and investment spend. GNPA at 2.1% reflects the Fincare microfinance mix — higher than pristine large banks, priced accordingly.
Watch-items: the universal-bank licence timeline, microfinance asset quality through the cycle, deposit-cost trajectory, and ROE recovery toward the high-teens that the multiple assumes.
The numbers
Financial snapshot — 5 August 2026
| Metric | Value |
|---|---|
| Market cap | ₹80,521 Cr |
| P/E (TTM) | 28.2 |
| Price / Book | 4.0 |
| ROE / ROA | 14.3% / 1.63% |
| NIM | 5.9% |
| Gross NPA | 2.1% |
| Sales CAGR (5y) | 30.4% |
| Profit CAGR (5y) | 17.7% |
| Promoter holding | 22.7% (zero pledged) |
| EPS (TTM) | ₹38.2 |
AU Small Finance Bank share price target 2026 to 2030
EPS base ₹38.2 (TTM). Bear: microfinance stress plus deposit-cost pressure — 10% growth, multiple compresses to 18×. Base: ROE rebuilds as merger synergies land — 18% growth at 24×. Bull: universal licence arrives and the deposit franchise scales — 24% growth at 30×.
From ₹1,059, the base case is ≈ +98% over four and a half years — a near-double if the transition executes. The bear case is roughly +5%: banking multiples compress fast when asset quality wobbles, which is why the entry zone below sits meaningfully under the current price.
Reasons to own AU Small Finance Bank (at the right price)
- The fastest-compounding deposit franchise among India’s newer banks — 30% five-year sales CAGR.
- Secured-retail underwriting DNA: vehicle and small-business lending it has done for decades.
- The universal-bank transition is a structural re-rating event waiting on a licence.
- Fincare adds south-India distribution and microfinance yield (with its risk, priced in).
- PEG 1.24 — growth-adjusted, cheaper than its own history.
The risks: microfinance cycles (the newest book), deposit-cost competition against giant banks, ROE staying below plan, and the licence timeline slipping.
What to weigh at the current price
AU’s growth premium works only if deposit costs, microfinance losses and merger-diluted ROE improve enough to compensate for a full bank cycle.
FAQ
What is the AU Small Finance Bank share price target for 2030? The table above sets out bear, base and bull scenarios for each year through 2030. These are valuation sensitivities, not promised prices.
What is the universal-bank transition and why does it matter? Small-finance banks carry regulatory constraints (priority lending shares, branch norms) and a perception discount. A universal licence normalises both — cheaper deposits, broader products, and typically a higher multiple.
Why is AU’s GNPA higher than large private banks? Its mix: self-employed borrowers and (post-Fincare) microfinance carry more gross slippage, compensated by yields — the 5.9% NIM versus ~4% at large banks.
When are AU Bank’s next results? Check the results calendar and confirm the announced date in the relevant exchange filing.
This article is research and education, not personalised investment advice. We are not SEBI-registered advisers. Price targets are scenario arithmetic, not promises. Do your own research and consult a registered adviser before acting.