AU Small Finance Bank Ltd
Ticker: AUBANK
Decent
66/100
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Investing Reference
Price
802.10
Market Cap
59858.46
Debt/Equity
0.0000
ROE %
14.169
PB
3.4870
Promoter %
22.853
Pledge %
0.000
1Y Rev Growth %
51.733
5Y Rev Growth %
30.077
NP Margin %
11.328
NP Margin 5Y Avg %
14.804
Trading Reference
1M Return %
9.332
6M Return %
39.253
1Y Return %
15.277
% Away 52W High
4.850
% Away 52W Low
67.681
Daily Volume
3804314
Investment Verdict
Hold
Score 66/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Momentum
Score 81/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
AU Small Finance Bank Ltd is currently trading near its support level of INR 600, with resistance at INR 700. Given the recent bullish volume and the 50-day EMA trending upwards, there is a favorable outlook for the stock to reach the resistance level in the medium term. However, if it breaks below the support level, it could face a downside risk.
Upside Probability: 16.67% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
AU Small Finance Bank Ltd is a leading financial institution in India, dedicated to providing accessible banking services to underserved segments. Catering to individuals, small businesses, and micro-entrepreneurs, AU Bank focuses on empowering customers with tailored financial solutions. Its commitment to customer-centricity and innovation makes it a trusted partner in achieving financial goals. The bank's robust growth trajectory and strong governance ensure reliability and stability in an evolving market.
- Focus on underserved segments
- Tailored financial solutions
- Strong customer-centric approach
- Robust growth and stability
- Innovative banking services
- Trusted partner for financial empowerment
Investment Thesis
AU Small Finance Bank Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustained growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation remains attractive compared to peers, offering potential upside.
- Focus on financial inclusion supports long-term growth strategy.
- Resilient business model with diversified revenue streams mitigates risks.
Opportunity vs Risk
Opportunities
- Growing retail banking sector
- Expansion into rural markets
- Digital banking adoption surge
- Strong loan growth potential
Risks ⚠️
- Regulatory changes impact
- Rising competition in sector
- Asset quality concerns
- Economic slowdown effects
Peer Perspective
AU Small Finance Bank Ltd trades at a slight premium compared to peers like IDFC First Bank and RBL Bank, but its potential for growth acceleration and margin stability could justify a rerating in the near term.
Future Outlook
AU Small Finance Bank Ltd is well-positioned for growth, driven by expanding customer base and digital initiatives; however, successful execution and cost control will be crucial to sustain momentum in a competitive landscape.
AI FAQs for Retail Users
- Q: What does AU Small Finance Bank do?A: AU Small Finance Bank provides banking services including savings accounts, loans, and investment products.
- Q: Is AU Small Finance Bank a safe investment?A: Like all investments, it carries risks. Research and consider your financial goals before investing.
- Q: How has AU Small Finance Bank performed recently?A: Recent performance can be checked through financial news and stock market platforms for updated information.
- Q: What are the risks of investing in AU Small Finance Bank?A: Risks include market volatility, regulatory changes, and economic conditions affecting the banking sector.
- Q: How can I invest in AU Small Finance Bank shares?A: You can invest through a brokerage account or a stock trading platform that offers access to Indian stocks.
📊 Stock Investment Checklist (100 Points)
AU Small Finance Bank Ltd • Updated: 2025-09-16 19:42:34
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10BusinessHighThe small finance banking sector is growing, but competition is increasing.
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10GrowthHighConsistent revenue growth, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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10ValuationHighValuation metrics are in line with peers, but not compelling.
-
8BalanceHighDebt levels are manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is strong, but some pledging exists.
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7DriversHighGrowth drivers are present, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
AU Small Finance Bank has a decent outlook with growth potential, but faces challenges in profitability and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 80/100
- Profitability: 70/100
- Governance: 65/100
- Market Confidence: 75/100