AU Small Finance Bank Ltd.
Banking · NSE
52-week range
₹663 – ₹1,080
From 52w high
-2.7%
RSI (14)
64.9
vs SMA 50 / 200
↑ 50 · ↑ 200
AU Small Finance Bank (AUBANK) trades at ₹1,050, up 56.6% over the past 12 months and within 2.7% of its 52-week high. The trailing PE stands at 30x against a forward PE of 17.3x, implying the market is pricing in substantial earnings expansion consistent with the bank's reported 5-year earnings CAGR of 62.6% and revenue CAGR of 37.1%. Mean analyst rating is 2.44 across 25 analysts on a 1–5 scale (lower = more constructive).
- ✓5-year revenue CAGR of 37.1% and earnings CAGR of 62.6% place AUBANK among the higher-growth names in the Banking sector peer set, reflecting the bank's transition from a small finance bank to a broader-mandate institution
- ✓Free cash flow was positive in 4 of the available years — indicating that the rapid revenue expansion has been accompanied by cash generation in most periods
- ✓Quality score of 58 ranks first of 6 peers in the sector grouping, outscoring AXISBANK (50), BAJFINANCE (51), and HDFCBANK (47)
- ✓Price trades above both the 50-DMA (₹959.81) and 200-DMA (₹888.78), with a 52-week drawdown of only 2.7%, indicating the multi-month price trend is intact across both short- and long-term moving averages
- ✗ROE data is unavailable for this reporting period; persistence data records 0 years with ROE above 15%, a key threshold for capital efficiency in financial institutions — the bank's return profile relative to equity cannot be assessed
- ✗Debt trend is classified as rising with no D/E ratio reported, meaning the direction of leverage growth is observable but absolute leverage levels are unquantifiable from current data
- ✗Fundamental consistency score of 55/100 is mid-range, reflecting gaps in capital return metrics and limited historical depth — the 5-year growth figures are strong but the quality of earnings persistence across cycle conditions is partially unverifiable
- ✗The stock has risen 56.6% over 12 months to trade 18.2% above its 200-DMA at an RSI of 64.9, representing a meaningful extension from longer-term price levels; the nearest support levels are ₹998, ₹967, and ₹959.65 — between 5% and 9% below the current price
- ·The RBI approved Kotak Mahindra Bank's acquisition of a stake in AU Bank, reported on 7 May 2026 — a regulatory event that introduces a new institutional shareholder with potential implications for governance and future capital structure
- ·Q1 2026 results coverage (Mint, 8 May 2026) was classified as neutral in sentiment; a separate TradingView report (27 April 2026) noted net profit and income rose sharply year-over-year with strong capital and asset quality metrics, classified as positive
- ·The RBI approved Tripathi as AU Bank's Executive Director (23 April 2026), a routine regulatory clearance for a senior management appointment
- ?Does the forward PE compression from 30x to 17.3x reflect realistic earnings growth already secured in the pipeline, or does it depend on the bank maintaining its 62.6% five-year earnings CAGR into a more mature competitive environment?
- ?How has AU Bank's asset quality (gross NPA, net NPA) trended over the past four to six quarters, and how does it compare to peers now that the bank operates under a universal banking licence with broader loan book exposure?
- ?What is the significance of Kotak's RBI-approved stake acquisition — does it represent a strategic alignment, a passive financial investment, or a precursor to a deeper capital or governance relationship?
- ?Given the rising debt trend flagged in the persistence data, what is the composition of that debt (deposits, borrowings, sub-debt), and does the trajectory reflect normal banking book growth or a structural shift in the funding mix?
PE
30.0
Forward PE
17.3
ROE
—
Profit margin
+21.4%
D/E
—
Dividend yield
+0.1%
Quality score
58/100
ROE 5y above 15%
0/5 yrs
FCF 5y positive
4/5 yrs
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.Analysis generated 11 May 2026.