AUBANK
AU Small Finance Bank Limited (AUBANK) Stock Analysis
AU Small Finance Bank Limited is an Indian small finance bank offering loans, deposits, and payment products. It focuses on vehicle finance, MSME lending, and retail banking in semi-urban India. The bank converted from an NBFC and has scaled nationwide. It is a listed mid-cap banking stock.
Financial Services › Banks - Regional
₹929.00
-4.39% 1W | +1.60% 52W
Market Cap
69.6k CR
P/E Ratio
22.3
52W High
₹1144.1
52W Low
₹831.6
Div. Yield
0.11%
Beta
0.6
50 DMA
₹990.2
200 DMA
₹998.4
Profit Margin
26.2%
Inst. Own.
49.6%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
No profit & loss data available.
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 |
|---|---|---|---|---|
| Revenue | 667 | 813 | 1,206 | 1,429 |
| Revenue growth | +22% | +48% | +18% | |
| Interest | 317 | 334 | 492 | 531 |
| Expenses | 201 | 227 | 339 | 422 |
| Financing Profit | 148 | 252 | 375 | 476 |
| Financing Margin % | 22% | 31% | 31% | 33% |
| Other Income | 4 | -4 | 8 | 612 |
| Depreciation | 4 | 8 | 10 | 6 |
| Profit before tax | 149 | 241 | 373 | 1,082 |
| Tax % | 32% | 33% | 34% | 30% |
| Net Profit | 101 | 163 | 247 | 762 |
| EPS in Rs | 1.94 | 3.08 | 4.66 | 13.40 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 29.0% | – | – |
| Profit CAGR | 49.0% | – | – |
Shareholding Pattern
Promoters22.82%
FIIs34.50%
DIIs31.91%
Public10.78%
Promoters22.79%
FIIs36.45%
DIIs31.27%
Public9.51%
Promoters22.76%
FIIs37.27%
DIIs31.30%
Public8.67%
Promoters22.74%
FIIs35.98%
DIIs32.81%
Public8.47%
Promoters22.66%
FIIs36.06%
DIIs32.84%
Public8.45%
Promoters25.54%
FIIs39.74%
DIIs20.62%
Public14.09%
Promoters25.45%
FIIs39.37%
DIIs22.77%
Public12.40%
Promoters22.87%
FIIs35.58%
DIIs27.16%
Public14.39%
Promoters22.76%
FIIs37.27%
DIIs31.30%
Public8.67%
Promoters22.66%
FIIs36.06%
DIIs32.84%
Public8.45%
AUBANK
Holdings Analysis
Key strengths & risk signals
71
Overall
92
Fundamental
51
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0.11% yield - little to no income.
WEAK POSITION! Current price (929.0) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.4% (1 week), 5.4% (1 month), 13.2% (3 months).
BEARISH TREND! 50-day average (990.2) is below 200-day average (998.4) - negative signal.
Strengths (4)
UNDERVALUED! PEG of 0.98 indicates stock is cheap relative to growth.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 32.3 - watch for reversal.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 1,606,069 vs down days: 1,400,739. Ratio: 1.15x
Fundamental & Technical Analysis
71Overall
92Fundamental
51Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 30.4% (EXCELLENT, 15/15). Profit CAGR: 22.8% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 26.2% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.98 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.11% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 13.63% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (990.2) is below 200-day average (998.4) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (929.0) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
4/10
POSITIVE YEAR! Stock gained 1.6% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 1,606,069 vs down days: 1,400,739. Ratio: 1.15x
RSI
4/5
APPROACHING OVERSOLD! RSI at 32.3 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 31.2% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.4% (1 week), 5.4% (1 month), 13.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
AUBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-28 | Concall PDF | |
| Q2FY262026-01-22 | Concall PDF | |
| Q1FY262025-10-18 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AUBANK | ₹929.00 | 22.3 | 26.2% | 30.4% | 22.8% | +1.6% | 71 | BREAKDOWN | – | +7.8% | – | +6.1% |
| INDUSINDBK | ₹895.00 | 23.3 | 15.7% | -0.4% | -50.7% | +13.0% | 60 | BOUNCE FROM SUPPORT | – | +19.7% | – | +5.3% |
| MAHABANK | ₹87.70 | 8.4 | 52.7% | 15.6% | 39.1% | +47.8% | 90 | BREAKOUT | – | +5.6% | – | +5.9% |
| IDFCFIRSTB | ₹78.10 | 30.1 | 9.1% | 19.6% | -13.5% | +10.0% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| BANKINDIA | ₹145.00 | 5.3 | 35.7% | 7.3% | 39.0% | -5.0% | 79 | BREAKOUT | – | +0.2% | – | +3.3% |
| IOB | ₹31.10 | 9.1 | 39.9% | 14.2% | 37.1% | -22.4% | 62 | CONSOLIDATION | – | +14.4% | – | -12.9% |
| RBLBANK | ₹379.00 | 27.4 | 14.1% | 12.2% | -1.5% | +16.1% | 50 | BREAKDOWN | – | +112.8% | – | +24.6% |
| FEDERALBNK | ₹344.10 | 16.8 | 31.4% | 16.6% | 11.1% | +41.2% | 85 | BREAKOUT | – | +19.3% | – | +16.2% |
Data from TradeAlone · Updated daily
