AU Small Finance Bank Share Price: 10.8% CAGR in 3 Years as the Jaipur Lender Faces Federal Bank and Axis Bank
- November 12, 2026
- Posted by: Kunal Singla
- Category: Best Stocks
AU Small Finance Bank Share Price: 10.8% CAGR in 3 Years as the Jaipur Lender Faces Federal Bank and Axis Bank
AU Small Finance Bank previous close Rs 951.15. 3-year CAGR 10.8%. Up 1.4x since 10 Nov 2023. ROE 14.67%. Market cap Rs 71,757 crore.
Quick Answer
The AU Small Finance Bank share price closed at Rs 951.15 on 11 November 2026, a compounded annual return of 10.8% over three years. That compares with Federal Bank at 34.1% and Axis Bank at 9.1%. The company has a market cap of Rs 71,757 crore and a P/E of 22.76 against an industry P/E of 13.48.
The AU Small Finance Bank share price has delivered a steady return over three years, and the bank has the highest ROE among the three lenders compared here. AU Small Finance Bank, headquartered in Jaipur, began as a vehicle finance company and now serves retail and small business customers as a full-service bank.
This article compares that run with Federal Bank and Axis Bank. We calculate the three-year CAGR for all three and set the results beside market cap, valuation and return on equity, using prices adjusted for corporate actions. Banks are best read on price to book and ROE, so those two numbers get extra attention.
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How Much Has the AU Small Finance Bank Share Price Returned in 3 Years?
The AU Small Finance Bank stock closed at Rs 699.25 on 10 November 2023 and at Rs 951.15 on 11 November 2026. Rs 1 lakh invested three years ago would have grown to about Rs 1.36 lakh, which is a CAGR of 10.8%. This is a price return and leaves out dividends.
CAGR condenses a bumpy three-year ride into one yearly number, which is why it is the fairest way to compare companies of different sizes. A stock such as AU Small Finance Bank can look spectacular on a chart and still have earned a modest yearly return, so the compounded figure keeps the comparison honest.
The AU Small Finance Bank share price has also followed the bank’s move from a small finance license into broader retail banking, with a growing deposit base and wider product range.
AU Small Finance Bank vs Federal Bank and Axis Bank: 3-Year CAGR Compared
The table ranks the companies by three-year CAGR. Prices on 10 November 2023 are adjusted for splits and bonuses, and the latest figures are the previous close on 11 November 2026.
| Company | Close on 10 Nov 2023 | Previous close (11 Nov 2026) | Price multiple | 3-year CAGR |
|---|---|---|---|---|
| Federal Bank | Rs 149.85 | Rs 361.60 | 2.4x | 34.1% |
| AU Small Finance Bank | Rs 699.25 | Rs 951.15 | 1.4x | 10.8% |
| Axis Bank | Rs 1,029.20 | Rs 1,336.40 | 1.3x | 9.1% |
The AU Small Finance Bank stock ranks second of the three at 10.8%. It sits ahead of Axis Bank (9.1%). The company ahead is Federal Bank (34.1%). Federal Bank leads the group by a wide margin, followed by AU Small Finance Bank and then Axis Bank. AU Small Finance Bank is the smallest of the three by market cap, yet it carries the highest ROE.
Look at the AU Small Finance Bank share price alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.
Valuation and Quality Compared
| Company | Market cap | P/E | Industry P/E | ROE | P/B |
|---|---|---|---|---|---|
| Axis Bank | Rs 4,16,999 crore | 13.88 | 12.66 | 13.04% | 1.82 |
| Federal Bank | Rs 89,282 crore | 16.57 | 12.66 | 12.60% | 2.17 |
| AU Small Finance Bank | Rs 71,757 crore | 22.76 | 13.48 | 14.67% | 3.34 |
By market cap, Axis Bank is the largest of the group at Rs 4,16,999 crore, while the AU Small Finance Bank stock stands at Rs 71,757 crore, about 17% of that size. On earnings, AU Small Finance Bank shares trade at a P/E of 22.76 against an industry P/E of 13.48, a premium of about 69%, which signals that the market expects faster earnings growth. Peer multiples are Federal Bank at 16.57 and Axis Bank at 13.88.
Return on equity is 14.67% for the AU Small Finance Bank stock, which ranks first among the three, and the price to book ratio stands at 3.34. Trailing EPS is Rs 41.94. Banks are valued on price to book and return on equity rather than on debt, so these two numbers show how the market prices each lender against the profit it earns on shareholders’ capital.
What Is Driving the AU Small Finance Bank Stock?
AU Small Finance Bank lends against vehicles, small business assets and home loans, and it offers savings accounts, term deposits and credit cards. Its roots in vehicle finance give it deep knowledge of small business borrowers in smaller cities.
The bank has grown its branch network and its digital channels and has expanded its deposit franchise, which lowers its cost of funds. Its profitability is higher than that of many peers of its size.
Followers of the AU Small Finance Bank share price usually track loan growth, the share of secured loans, net interest margin and the cost of deposits.
How the Established Players Stack Up
Federal Bank is an Aluva-based private sector bank with a strong presence in Kerala and a large base of non-resident Indian customers. It compounded at 34.1% a year, on a market cap of Rs 89,282 crore and an ROE of 12.60%.
Axis Bank is a Mumbai-based private sector bank with strength in corporate banking, retail lending and credit cards. It compounded at 9.1% a year, on a market cap of Rs 4,16,999 crore and an ROE of 13.04%.
What Should Investors Track Next?
Three things are worth watching on the AU Small Finance Bank share price. First, the pace of deposit growth. Second, movement in net interest margin. Third, asset quality in vehicle and small business loans.
At a P/E of 23 and a price to book of 3.34, the stock trades above the industry P/E of 13. A higher multiple means expectations are meaningful, so follow quarterly results closely.
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How to Compare Bank Stocks Yourself
You can repeat this exercise for any pair of stocks, including the AU Small Finance Bank stock against its peers. Note the adjusted closing price on the base date, take the latest close, divide one by the other, raise the result to the power of one third and subtract one. Then place the CAGR next to market cap, P/E against the industry P/E, ROE and debt to equity. Benchmark the result against the Nifty 50 as well, so you know whether the stock beat the broader market.
A stock that scores well on growth but weakly on quality, or the reverse, deserves closer study before it enters a portfolio. When tracking the AU Small Finance Bank share price, the same four checks give a more complete picture than price alone.
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A Small Finance Bank With the Highest ROE in the Group
The AU Small Finance Bank share price compounded at 10.8% a year over three years, ahead of Axis Bank at 9.1% and behind Federal Bank at 34.1%. Its ROE of 14.67% is the highest of the three.
Federal Bank brings the faster return and a lower P/E, while Axis Bank brings scale. The choice depends on which part of the banking sector you want to follow.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions
What is the AU Small Finance Bank share price today?
Ans. AU Small Finance Bank closed at Rs 951.15 on 11 November 2026, according to NSE data. It has a market cap of Rs 71,757 crore and a P/E of 22.76. Check live quotes before acting, as prices change every trading day.
What is the 3-year CAGR of the AU Small Finance Bank stock?
Ans. AU Small Finance Bank delivered a price CAGR of 10.8% over three years, moving from Rs 699.25 on 10 November 2023 to Rs 951.15 on 11 November 2026. The figure excludes dividends and uses adjusted closing prices.
Is AU Small Finance Bank better than Axis Bank?
Ans. AU Small Finance Bank delivered a higher three-year CAGR at 10.8% than Axis Bank at 9.1%. Axis Bank is much larger by market cap at Rs 4,16,999 crore against Rs 71,757 crore and trades at a lower P/E of 13.88 against 22.76, while AU Small Finance Bank has a higher ROE at 14.67% against 13.04%. The better choice depends on your view of each bank.
What does AU Small Finance Bank do?
Ans. AU Small Finance Bank is a Jaipur-headquartered bank that grew out of a vehicle finance company and now offers deposits, loans and cards to retail and small business customers.
What is the return on equity of the AU Small Finance Bank stock?
Ans. The return on equity of the AU Small Finance Bank stock is 14.67% and its price to book ratio is 3.34. For a lender, ROE and the price to book ratio are the two numbers that show how well the bank turns shareholder capital into profit and how much the market pays for it. Always check the latest results for current figures.
Is AU Small Finance Bank expensive compared with the industry?
Ans. AU Small Finance Bank trades at a P/E of 22.76 against an industry P/E of 13.48. A higher multiple reflects expectations of faster growth, which the company must deliver through earnings.
Which bank stock gave the highest return in 3 years?
Ans. Among the companies compared here, Federal Bank delivered the highest three-year CAGR at 34.1%, followed by AU Small Finance Bank at 10.8%. Past returns do not guarantee future performance.
How do I calculate CAGR for a stock?
Ans. Divide the latest price by the starting price, raise the result to the power of one divided by the number of years, and subtract one. Multiply by 100 for a percentage. Use split and bonus adjusted prices for accurate results.
