AU Bank Share Price: Targets for 2025-2030, History, and Analysis
AU Small
Finance Bank Ltd. (AUBANK) has emerged as a significant player in
In this comprehensive article, we delve into the AU Small Finance Bank share price,
its historical performance, and expert-driven share price targets for 2025
through 2030. We also analyze the stock's performance on the NSE and BSE, key
financials, and factors influencing its future growth.
AU Bank Share Price Target 2025
As of April 2025, the AU Small Finance Bank share price on the NSE is approximately 627, with a high of 636 and a low of 592.35 for the day. The stock closed at 623.60 on the previous trading day, reflecting a 6.32% increase. On the BSE, the share price aligns closely, trading at around 586.55 as of April 2025.
The market capitalization
stands at approximately 46,428.92 crore, making AU Bank a mid-cap stock with
significant growth potential. NSE India and BSE India provide real-time updates
for investors tracking the stock.
Key
Metrics for AU Bank Share Price Today
·
Current Price (NSE): 627 (as of April
2025)
·
52-Week High: 755.40
·
52-Week Low: 478.35
·
PE Ratio: 21.50
·
PB Ratio: 2.74
·
Dividend Yield: 0.17% (1 dividend
paid on July 12, 2024)
·
Earnings Per Share (EPS): 26.51 (quarter
ending Dec 31, 2024)
The stock has shown resilience despite market volatility, with a 14.89% increase over the past month and a 2.79% rise over the last three months. However, it has declined by 13.09% over the past three years, indicating some challenges in sustaining long-term growth.
AU
Small Finance Bank Share Price History
AU Small
Finance Bank, incorporated in 1996, transitioned from a non-banking financial
company (NBFC) to a small finance bank in 2017. Since its listing on the NSE
and BSE, the stock has experienced various trends driven by market conditions,
regulatory changes, and the bank's operational performance.
| Year | Opening Price | Closed | Annual Return |
|---|---|---|---|
| 2020 | 900 | 950 | 5.5% |
| 2021 | 950 | 1100 | 15.2% |
| 2022 | 1100 | 650 | -40.98% |
| 2023 | 650 | 720 | 11% |
| 2024 | 720 | 570 | -20.1% |
| 2025 | 554 | 915 Expected | Expected 36% |
| 2026 | 915 | 1150 Expected | Expected 22% |
The share
price history reflects periods of strong growth, such as in 2021, followed by
corrections in 2022 and 2024. The merger with Fincare Small Finance Bank,
effective April 1, 2024, has influenced year-on-year comparisons, contributing
to volatility. Despite a 52-week low of 478.35 in March 2025, the stock has
rebounded, supported by strong deposit growth (27.2% YoY) and a 32% profit
increase to 2,106 crore for FY25.
AU
Small Finance Bank Share Price Target 2025
Analysts
remain optimistic about AU Small Finance Bank's growth trajectory in 2025,
driven by its robust loan portfolio, digital banking initiatives, and
transition to a universal bank. The median target price for 2025, based on 24
analysts, is 652.21, with some brokerages like Goldman Sachs setting a higher
target of 796. The bank’s Q4 FY25 performance, with total deposits at 1,24,270
crore (27.2% YoY growth) and gross advances up 20% YoY, supports this outlook.
Factors
Influencing 2025 Target
·
Deposit Growth: Total deposits
grew 10.7% QoQ to 1,24,270 crore as of March 31, 2025. Check More Bandhan Bank Share Price Target 2025
·
Loan Portfolio: Gross loan
portfolio increased 6.2% QoQ to 1,15,710 crore.
·
Asset Quality: Brokerages are
monitoring asset quality trends post-merger with Fincare SFB.
·
Capital Raise: The bank raised 770
crore through Tier-II bonds, enhancing capital adequacy.
·
Market Sentiment: Global factors,
such as
With a “Buy”
rating from most analysts, the AU Bank share price target for 2025 ranges
between 650 and 796, suggesting a potential upside of 4% to 27% from the
current price of 627.
AU Bank Share Price Target 2026
By the end of 2026, analysts project the AU Small Finance Bank share price to reach 1,203.12, assuming bullish market trends. This forecast is based on Fibonacci projections and the bank’s continued expansion in retail and digital banking.
However, a
temporary decline in early 2026 is possible due to market corrections, with
recovery expected by mid-year to around 1,019.89.
Key
Drivers for 2026
·
Digital Transformation: Investments in
digital banking services are expected to boost customer acquisition.
·
Branch Expansion: The bank had 902
branches as of March 2022, with plans for further growth.
·
Regulatory Support: The transition to
a universal bank may enhance operational flexibility.
The projected
target of 1,203.12 implies a significant upside of approximately 92% from the
current price, making AU Bank a compelling long-term investment.
AU
Small Finance Bank Share Price Target 2027
For 2027, the initial price target is 1,233.20, with a mid-year target of 1,415.34 and a year-end target of 1,669.62. These projections reflect mixed trends with rapid upward and downward movements but an overall upward trajectory.
The bank’s
focus on improving its CASA ratio (currently 29.2%) and maintaining asset
quality will be critical.
Challenges
for 2027
·
CASA Decline: The CASA ratio
fell to 29.2% from 30.6% QoQ, indicating a need for low-cost deposit growth.
·
Competition: Intensifying
competition from other small finance banks and fintechs may pressure margins.
The year-end
target of 1,669.62 suggests a potential 166% increase from the current price,
driven by sustained growth and market optimism.
AU Bank Share Price Target 2028
In 2028, the
initial price target is 1,711.36, with expectations of strong and steady
growth. The bank is projected to break past previous highs, potentially setting
new records. The cumulative impact of digital banking, loan portfolio
expansion, and regulatory tailwinds could drive the share price to new levels.
Projected
Target: 1,711.36 to 1,900 (indicative range based on bullish trends).
AU
Small Finance Bank Share Price Target 2029
By 2029, AU
Small Finance Bank is expected to continue its upward trajectory, with analysts
forecasting a price range of 1,900 to 2,200. The bank’s ability to leverage its
position as
Key Growth Factors:
·
Scaling of digital payment and insurance services.
·
Increased penetration in underbanked regions.
·
Stable macroeconomic conditions supporting banking stocks.
AU Bank Share Price Target 2030
Looking ahead
to 2030, the cumulative impact of market dynamics, technological advancements,
and AU Bank’s operational excellence could push the share price to a
substantial year-end target of 2,500 to 3,000. This forecast assumes favorable
market conditions, sustained profit growth, and successful execution of the
bank’s long-term strategy.
Long-Term
Investment Considerations
·
Promoter Holding: Promoters hold
22.88% of shares, signaling confidence in the bank’s future. Also Check 3M India Share Price Target 2025
·
Institutional Interest: Domestic
institutional investors increased their stake to 26.93% as of March 31, 2025.
·
Risk Factors: Regulatory
changes, interest rate fluctuations, and geopolitical events could impact
performance.
Why
Invest in AU Small Finance Bank?
AU Small
Finance Bank offers a compelling investment case for those seeking exposure to
·
Market Leadership: As
·
Financial Performance: The bank reported
a 32% profit growth to 2,106 crore in FY25 and a 40.83% net profit increase to 528.45
crore in Q3 FY25.
·
Analyst Optimism: A “Buy” rating
from 24 analysts, with a median target price of 652.21 for 2025.
·
Digital Focus: Investments in
digital banking and payment solutions align with
Risks to Consider
While AU
Small Finance Bank has strong growth potential, investors should be aware of
the following risks:
·
Market Volatility: External factors,
such as
·
Asset Quality: Post-merger
integration with Fincare SFB may pose challenges to maintaining asset quality.
·
Interest Rate Sensitivity: Rising interest
rates could pressure the bank’s net interest margins.
Frequently
Asked Questions (FAQs)
What
is the AU Small Finance Bank share price today?
What
is the share price target for AU Bank in 2025?
Is
AU Small Finance Bank a good investment?
What
factors influence AU Bank’s share price?
How
can I buy AU Small Finance Bank shares?
AU Small
Finance Bank remains a strong contender in
Investors should consider
the bank’s robust financials, digital banking focus, and market leadership
while remaining mindful of risks like market volatility and asset quality
concerns.
