AU Small Finance Bank Limited (IN:AUBANK)
:AUBANK
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AU Small Finance Bank Limited
(AUBANK)
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Rating:69Neutral
Price Target:
₹1,125.00
▲(13.05% Upside)
Action:N/ADate:11/18/25
AU Small Finance Bank's stock score is primarily driven by strong financial performance in terms of revenue growth and cost management. However, liquidity issues and a high P/E ratio pose risks. Technical analysis shows bullish momentum, but overbought signals suggest caution. The absence of earnings call data and notable corporate events means these factors do not influence the score.
Positive Factors
Revenue Growth
Sustained top-line growth (noted 9.73% in the latest year) reflects durable demand for the bank’s retail and MSME lending products. Over 2–6 months this supports loan book expansion, fee income momentum and scale benefits that can underpin continued revenue resilience if credit trends remain stable.
Negative Factors
Negative Cash Flows
Reported negative operating and free cash flows signal potential liquidity stress even as accounting profits exist. Over a multi-month horizon, persistent negative cash generation can force higher reliance on wholesale funding or deposit repricing, increasing funding costs and constraining loan growth if not corrected.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line growth (noted 9.73% in the latest year) reflects durable demand for the bank’s retail and MSME lending products. Over 2–6 months this supports loan book expansion, fee income momentum and scale benefits that can underpin continued revenue resilience if credit trends remain stable.
Read all positive factors
AU Small Finance Bank Limited (AUBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹660.76B
Dividend Yield0.1%
Average Volume (3M)281.56K
Price to Earnings (P/E)27.8
Beta (1Y)0.91
Revenue Growth30.73%
EPS Growth14.02%
CountryIN
Employees29,738
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.90
Shares Outstanding748,224,500
10 Day Avg. Volume136,750
30 Day Avg. Volume281,563
Financial Highlights & Ratios
PEG Ratio0.81
Price to Book (P/B)2.30
Price to Sales (P/S)2.13
P/FCF Ratio-1.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)34.48
Revenue Forecast (FY)₹121.35B
AU Small Finance Bank Limited Business Overview & Revenue Model
Company Description
AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, current, salary, senior ci...
How the Company Makes Money
AU Small Finance Bank generates revenue primarily through the interest income earned from loans and advances provided to its customers. The bank extends various types of loans, including personal loans, business loans, and vehicle loans, which typ...
AU Small Finance Bank Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 201.80B | 185.94B | 122.53B | 92.41B | 69.16B | 63.72B |
| Gross Profit | 83.55B | 105.42B | 68.56B | 54.60B | 42.28B | 37.87B |
| EBITDA | 28.68B | 30.47B | 22.25B | 20.50B | 15.94B | 15.63B |
| Net Income | 21.74B | 21.06B | 15.35B | 14.28B | 11.30B | 11.71B |
Balance Sheet | ||||||
| Total Assets | 1.66T | 1.58T | 1.09T | 902.16B | 690.78B | 515.91B |
| Cash, Cash Equivalents and Short-Term Investments | 73.05B | 94.66B | 63.76B | 10.36B | 59.77B | 48.18B |
| Total Debt | 103.19B | 116.60B | 130.84B | 62.99B | 127.95B | 127.40B |
| Total Liabilities | 1.47T | 1.41T | 968.66B | 792.39B | 615.64B | 453.16B |
| Stockholders Equity | 183.16B | 171.66B | 125.60B | 109.77B | 75.14B | 62.75B |
Cash Flow | ||||||
| Free Cash Flow | -81.27B | -213.67B | 19.11B | 51.88B | 65.66B | 49.15B |
| Operating Cash Flow | -75.84B | -211.02B | 22.57B | 54.94B | 68.49B | 50.56B |
| Investing Cash Flow | -14.66B | -59.31B | -48.55B | -43.20B | -47.53B | -9.90B |
| Financing Cash Flow | 68.88B | 289.72B | 170.15B | 23.23B | -9.48B | -26.55B |
AU Small Finance Bank Limited Technical Analysis
Negative
995.15
Price Trends
963.21
Negative
958.12
Negative
862.72
Positive
Market Momentum
-24.71
Positive
41.59
Neutral
51.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AUBANK, the sentiment is Negative. The current price of 995.15 is above the 20-day moving average (MA) of 918.94, above the 50-day MA of 963.21, and above the 200-day MA of 862.72, indicating a neutral trend. The MACD of -24.71 indicates Positive momentum. The RSI at 41.59 is Neutral, neither overbought nor oversold. The STOCH value of 51.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:AUBANK.
AU Small Finance Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹295.93B | ― | ― | 1.35% | 17.33% | 45.79% | |
74 Outperform | ₹659.91B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
69 Neutral | ₹1.17T | 8.96 | ― | 2.07% | 9.74% | 12.56% | |
69 Neutral | ₹660.76B | 27.81 | ― | 0.10% | 30.73% | 14.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | ₹656.41B | 15.03 | ― | 0.45% | 10.62% | -5.21% | |
52 Neutral | ₹619.29B | 12.72 | ― | ― | ― | ― |
* Financial Sector Average
IN:AUBANK
AU Small Finance Bank Limited
883.10
353.95
66.89%
IN:BANKINDIA
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144.95
38.51
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IN:FEDERALBNK
Federal Bank Ltd. (India)
269.20
77.91
40.73%
IN:INDIANB
Indian Bank
871.30
353.58
68.30%
IN:IOB
Indian Overseas Bank
32.16
-5.56
-14.74%
IN:UCOBANK
UCO Bank
23.60
-7.23
-23.45%
AU Small Finance Bank Limited Corporate Events
AU Small Finance Bank Clarifies Haryana De-Empanelment and Account Review
Feb 22, 2026
AU Small Finance Bank has issued a clarification following media reports that it was de-empanelled by the Government of Haryana for handling state government business, alongside another private sector bank linked to suspected fraudulent activities...
AU Small Finance Bank Posts Investor Call Audio on Q3 FY2026 Results
Jan 20, 2026
AU Small Finance Bank has announced that the audio recording of its January 20, 2026 conference call with analysts and investors, held to discuss the unaudited financial results for the quarter and nine months ended December 31, 2025, has been mad...
AU Small Finance Bank Posts Strong Provisional Q3 FY26 Growth in Deposits and Advances
Jan 3, 2026
AU Small Finance Bank reported robust provisional operating metrics for the quarter ended 31 December 2025, with total deposits rising 23.3% year-on-year to ₹1,38,420 crore and 4.5% sequentially, while CASA deposits grew 16.1% year-on-year t...
AU Small Finance Bank Secures Approval to Boost Foreign Investment Limit
Dec 9, 2025
AU Small Finance Bank Limited has received approval from the Department of Financial Services, Ministry of Finance, to increase its foreign investment limit from 49% to 74% of its paid-up capital. This strategic move is expected to provide the ban...
AU Small Finance Bank Achieves High ESG Rating
Dec 6, 2025
AU Small Finance Bank Limited has received an ESG Score of 80.4, equivalent to an ESG Grade A, from SES ESG Research Private Limited for the fiscal year 2024-25. This independent rating, based on publicly available information, reflects positively...
AU Small Finance Bank’s Credit Ratings Reaffirmed by CARE
Dec 1, 2025
AU Small Finance Bank Limited announced that CARE Ratings Limited has reaffirmed its credit ratings, assigning a ‘CARE AA; Stable’ rating to its long-term debt instruments and infrastructure bonds, and ‘CARE A1+’ to its sho...
AU Small Finance Bank Initiates Postal Ballot for Key Resolutions
Nov 25, 2025
AU Small Finance Bank Limited has issued a notice of postal ballot to its members, seeking approval for several key resolutions. These include the appointment and re-appointment of independent directors and the approval of remuneration for the Man...
AU Small Finance Bank Strengthens Board with New Appointments
Nov 24, 2025
AU Small Finance Bank Limited announced key changes in its board of directors following a meeting held on November 24, 2025. The board approved the appointments of Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, ...
AU Small Finance Bank Strengthens Board with New Appointments
Nov 24, 2025
AU Small Finance Bank Limited announced the appointment of Mr. Narasinganallore Venkatesh Srinivasan and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, and the re-appointment of Ms. Malini Thadani for a second term. These appointment...
AU Small Finance Bank Strengthens Board with New Appointments
Nov 24, 2025
AU Small Finance Bank Limited announced the appointment of Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, effective November 25, 2025, for a three-year term, pending shareholder approval. Additionally, Ms. Malin...
AU Small Finance Bank Strengthens Board with New Appointments
Nov 24, 2025
AU Small Finance Bank Limited has announced key appointments to its Board of Directors, including Mr. N S Venkatesh and Mr. Satyajit Dwivedi as Non-Executive Independent Directors, and the re-appointment of Ms. Malini Thadani for a second term. Th...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.