AU Small Finance Bank Ltd.
NSE: AUBANKAU Small Finance Bank Ltd.: A 30-second snapshot
AU Small Finance Bank trades at ₹1,068, up 45.41% over the trailing 12 months and 3.43% below its 52-week high, holding above both its 50-day (₹1,027.03) and 200-day (₹978.75) moving averages with RSI at 57.14 (neutral). Q1 net profit rose 37% year-on-year with NII up 31.8%, alongside continued progress on the bank's Universal Bank license transition. The stock carries a trailing PE of 28.41x (17.64x forward) against a mean analyst rating of 2.33 across 28 analysts on a 1-5 scale, where lower is more constructive.
P/E
28.4
Forward P/E
17.6
ROE
—
Debt / Equity
—
Profit Margin
+21.4%
Div. Yield
+0.1%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
70/100
News
8 headlines · 5 positive · 0 negative
Buy AU Small Finance Bank; target of Rs 1275: Motilal Oswal - Moneycontrol.com
Moneycontrol.com
AUBANK: Net profit rose to ₹79,595.29 lakh with robust capital adequacy and Universal Bank transition underway - TradingView
TradingView
AU Small Finance Bank Q1 net profit rises 37%, NII up 31.8% - CNBC TV18
CNBC TV18
AU Small Finance Bank Raises FCNR Deposit Rates to 7.40% and NRE Fixed Deposit Rates to 7.60% - finance.yahoo.com
finance.yahoo.com
AU Small Finance Bank Ltd - Another Robust Quarter; Execution Across Key Levers Remains Strong - Smartkarma
Smartkarma
Recent context
- ·Motilal Oswal maintained a 'Buy' rating with a target of ₹1,275 on AU Small Finance Bank (Moneycontrol, Jul 27 2026).
- ·Q1 net profit rose 37% year-on-year with NII up 31.8%, alongside 'robust capital adequacy' and continued progress on the Universal Bank transition (CNBC TV18 / TradingView, Jul 25 2026).
- ·The bank raised FCNR deposit rates to 7.40% and NRE fixed deposit rates to 7.60% (Yahoo Finance, Jul 28 2026).
Strengths
- +Revenue grew 29.8% and earnings 35.1% over the trailing 5 years, with a profit margin of 21.37%.
- +Q1 net profit rose 37% year-on-year to ₹79,595.29 lakh with NII up 31.8%, alongside continued progress on the Universal Bank license transition (TradingView, CNBC TV18, Jul 25 2026).
- +Price is up 45.41% over the trailing 12 months, trading above both the 50-DMA and 200-DMA, and only 3.43% below its 52-week high.
- +News flow over the period was uniformly non-negative — 5 positive and 3 neutral items out of 8 tracked, with 0 negative.
Weaknesses
- −ROE is not separately disclosed in key metrics, and the persistence record shows 0 of the tracked years with ROE above 15%, with a consistency score of 55/100 despite the growth figures cited above.
- −Debt-to-equity is not reported; the persistence record classifies the debt trend as 'rising' without a quantified base level.
- −Quality score of 58 ranks 3rd of 6 within a peer set mixing banking, NBFC and insurance names (Axis Bank 70, HDFC Bank 66, Bajaj Finance 47, Bajaj Finserv 37, HDFC Life 33), and none of the 5 peers report 1-year price-change data for a like-for-like read.
- −Current price of ₹1,068 is within roughly 1% of the nearest identified resistance level (₹1,078.15) after the 12-month advance.
Open questions
- ?Does the 5-year revenue and earnings growth reflect a structural improvement in underwriting or asset quality, or a cyclical credit-growth tailwind that could normalize?
- ?What explains the gap between the growth metrics and 0 years of ROE above 15% in the persistence record — capital-raise dilution, credit costs, or another factor?
- ?How does a debt trend labeled 'rising' fit with book leverage typical for small finance banks transitioning toward a universal banking license?
- ?How does the current PE of 28.41x (17.64x forward) compare with where the stock has traded through past credit cycles?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| AUBANK | AU Small Finance Bank Ltd.You're viewing | 28.4 | — | 58 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹1,068.00
SMA 50
₹1,027.03
SMA 200
₹978.75
RSI (14)
57.1 (neutral)
From 52w high
-3.4%
1Y return
+45.4%
3M return
+6.4%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumROE is not separately reported in key metrics (null), and the persistence record shows 0 of the tracked years with ROE above 15%, with a consistency score of 55/100 — despite 5-year revenue growth of 29.8% and earnings growth of 35.1%.
- lowDebt-to-equity is not reported (null) even though the persistence record classifies the debt trend as 'rising'; the direction is disclosed without a quantified base figure. As a small finance bank, balance-sheet leverage is structural to the business model rather than a standalone solvency signal.
- lowQuality score of 58 ranks 3rd of 6 within a peer set that mixes banking, NBFC and insurance business models (Axis Bank 70, HDFC Bank 66, AU Small Finance Bank 58, Bajaj Finance 47, Bajaj Finserv 37, HDFC Life 33); none of the 5 peers report 1-year price-change data, removing relative price-performance context from the sector comparison.
- lowCurrent price of ₹1,068 sits within roughly 1% of the nearest identified resistance level (₹1,078.15) after a 45.41% gain over the trailing 12 months, with the stock 3.43% below its 52-week high.
Cross-section contradictions
- 5-year revenue growth of 29.8% and earnings growth of 35.1% indicate strong historical growth, yet the persistence record shows 0 years with ROE above 15% and a consistency score of only 55/100 — growth has not been accompanied by a sustained ROE track record in the data available.
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.
Fundamentals & technicals: refreshed 12 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 11 Aug 2026 · rotates through NIFTY 500 every ~5 days