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
₹991.50
-3.55% 1W | +27.10% 52W
Market Cap
74.3k CR
P/E Ratio
26.1
52W High
₹1144.1
52W Low
₹762.4
Div. Yield
0.1%
Beta
0.6
50 DMA
₹1054.3
200 DMA
₹1004.4
Profit Margin
25.6%
Inst. Own.
49.7%
⚠️ BREAKDOWN
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
No profit & loss data available.
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 |
|---|---|---|---|---|
| Revenue | 667 | 813 | 1,206 | 1,429 |
| 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 | 11.65 | 18.49 | 27.95 | 13.40 |
| Dividend Payout % | -0% | -0% | -0% | -0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 29.0% | – | – |
| Profit CAGR | 49.0% | – | – |
Shareholding Pattern
Promoters22.85%
FIIs37.68%
DIIs28.86%
Public10.59%
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%
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%
Promoters22.74%
FIIs35.98%
DIIs32.81%
Public8.47%
AUBANK
Holdings Analysis
Key strengths & risk signals
77
Overall
87
Fundamental
68
Technical
Risks (3)
NEGLIGIBLE DIVIDEND! 0.1% yield - little to no income.
WEAK POSITION! Current price (977.2) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 5.0% (1 week), 7.7% (1 month), 5.9% (3 months).
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (1054.3) is above 200-day average (1004.4) - positive signal.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 1,567,026 vs down days: 1,198,392. Ratio: 1.31x
Fundamental & Technical Analysis
77Overall
87Fundamental
68Technical
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! 25.6% profit margin - company keeps strong profits.
PEG Valuation
9/10
FAIRLY VALUED! PEG of 1.14 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.1% yield - little to no income.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.68 - acceptable leverage.
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
10/10
BULLISH TREND! 50-day average (1054.3) is above 200-day average (1004.4) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (991.5) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
8/10
GOOD YEAR! Stock gained 27.1% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 1,538,992 vs down days: 1,217,595. Ratio: 1.26x
RSI
3/5
NEUTRAL! RSI at 43.3 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 60.0% of 52W range - positive territory.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.5% (1 week), 6.4% (1 month), 4.7% (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 | ₹991.50 | 26.1 | 25.6% | 30.4% | 22.8% | +27.1% | 77 | APPROACHING SUPPORT | +37.0% | -4.3% | +18.5% | +2.2% |
| INDUSINDBK | ₹877.40 | 51.4 | 7.6% | -0.4% | -50.7% | +14.8% | 55 | APPROACHING SUPPORT | +71.7% | +74.5% | -4.8% | +6.3% |
| IDFCFIRSTB | ₹78.80 | 30.4 | 9.1% | 19.6% | -13.5% | +9.2% | 57 | APPROACHING SUPPORT | +153.1% | +247.2% | +15.7% | +13.4% |
| FEDERALBNK | ₹329.50 | 17.5 | 30.7% | 16.6% | 11.1% | +53.2% | 70 | APPROACHING RESISTANCE | +36.8% | -6.3% | +16.7% | -6.9% |
| YESBANK | ₹20.90 | 17.5 | 23.2% | 25.3% | 68.4% | -12.1% | 66 | APPROACHING SUPPORT | +32.6% | -1.0% | +11.0% | +4.7% |
| MAHABANK | ₹83.70 | 8.5 | 53.4% | 15.6% | 39.1% | +50.9% | 84 | APPROACHING SUPPORT | +34.5% | -1.1% | +16.6% | +3.4% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
Data from TradeAlone · Updated daily
