AU Small Finance Bank provides retail and small-business banking services including deposits, loans, payments, insurance, and other financial products. The bank focuses on customers across urban, semi-urban, and underserved markets and has expanded its product portfolio beyond its original lending franchise. Increasing formalization of financial services and credit demand provide long-term growth opportunities. A broad branch and digital distribution network supports customer acquisition and cross-selling. Asset quality, credit costs, deposit growth, funding costs, interest rates, and regulatory changes remain important business factors.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Beta |
|---|---|---|---|---|---|---|---|---|---|
| ₹72,778 cr | ₹19,561 cr | ₹2,856 cr | 25.4 | 38.22 | 3.64 | 14.2% | 14.2% | 1.51% | 1.26 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 5,303 | 796 | 10.63 | +36.3% | +21.1% | 15.0% |
| Mar 2026 | 5,019 | 832 | 11.13 | +64.4% | +17.5% | 16.6% |
| Dec 2025 | 4,728 | 668 | 8.94 | +25.9% | +14.9% | 14.1% |
| Sep 2025 | 4,511 | 561 | 7.52 | -2.1% | +15.4% | 12.4% |
| Jun 2025 | 4,378 | 581 | 7.80 | +15.2% | +16.2% | 13.3% |
| Mar 2025 | 4,271 | 504 | 6.77 | +22.2% | +50.9% | 11.8% |
| Dec 2024 | 4,114 | 528 | 7.10 | +26.6% | +50.4% | 12.8% |
| Sep 2024 | 3,911 | 571 | 7.68 | +27.6% | +54.5% | 14.6% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✓ Pass |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✓ Pass |
| Annual EPS up 25%+ in each of the last 2 years | — Not assessable |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✗ Close above the 150- and 200-day averages ✓ 150-day above 200-day ✓ 200-day rising for a month ✓ 50-day above the 150- and 200-day ✗ Close above the 50-day ✓ At least 25% above the 52-week low · low 763.25 ✓ Within 25% of the 52-week high · high 1,128.60 ✓ RS percentile 70 or more · RS 75 Trend template - the gate, measured: a modest 21-day edge. | 6/8 | 6 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 1 - basing | |
| CAN SLIM | ✓ C latest quarter EPS up 25%+ — A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✓ N within 15% of the 52-week high · high 1,128.60 ✓ S more volume on up days than down days (50 sessions) · 1.48x ✗ L RS percentile 80 or more · RS 75 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 4/5 | Strong |
| Darvas | ✓ Box top confirmed (3 sessions below the new high) · top 1,144.10 ✓ Box bottom confirmed (3 sessions holding) · bottom 968.90 ✗ Close above the box top · close 971.70 ✗ Volume at least 1.5x its 50-day average · 1.0x Nicolas Darvas's box: buy the breakout above a confirmed box after a new high. | 52/100 | In box |
| Turtle | ✗ Close above the prior 55-session high · 1,144.10 ✗ Close above the prior 20-session high · 1,058.60 ✗ Close below the prior 20-session low · 968.90 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✗ Price at or below the Graham number · Graham number 479.13 ✗ P/E 15 or less · P/E 25.4 ✗ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 3.64 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 49/100 | Expensive |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AUBANK this stock | -8.2 | -2.2 | -2.6 | +22.6 | +37.8 | +64.4 | 25.4 | 3.64 | 14.2 | — | 1.51 | — | — | 72,778 | 19,561 | 2,856 | 38.2 | 1.26 |
| TMB | -3.1 | +7.7 | +30.8 | +97.9 | +50.7 | — | 9.5 | 1.36 | 14.0 | — | 1.89 | — | — | 13,750 | 6,096 | 1,444 | 91.2 | 1.33 |
| FEDERALBNK | +4.8 | -0.5 | +18.5 | +64.3 | +137.6 | +275.7 | 16.6 | 1.96 | 11.7 | — | 1.18 | — | — | 86,260 | 31,552 | 5,379 | 21.1 | 0.85 |
| DCBBANK | -3.6 | +10.8 | +8.7 | +63.0 | +73.8 | +123.7 | 8.5 | 1.04 | 12.0 | — | 0.89 | — | — | 6,776 | 7,575 | 788 | 24.6 | 1.49 |
| KARURVYSYA | +11.4 | +22.9 | +34.7 | +62.7 | +200.8 | +791.7 | 12.1 | 2.32 | 19.3 | — | 1.96 | — | — | 35,773 | 11,983 | 2,958 | 30.6 | 1.22 |
| ESAFSFB | +10.6 | +22.4 | +81.4 | +54.1 | — | — | — | 1.26 | -8.9 | — | -0.57 | — | — | 2,236 | — | — | -0.1 | 0.79 |
| MAHABANK | -3.1 | +0.6 | +7.2 | +41.8 | +77.0 | +275.7 | 8.3 | 1.87 | 22.7 | — | 1.76 | — | — | 62,271 | 30,262 | 7,448 | 9.8 | 1.39 |
| CUB | -2.0 | +2.6 | +15.9 | +40.4 | +122.5 | +85.1 | 16.3 | 2.17 | 13.2 | — | 1.52 | — | — | 22,882 | 7,249 | 1,403 | 14.2 | 1.13 |
| J&KBANK | -4.9 | -23.5 | +6.2 | +33.2 | +24.2 | +259.1 | 6.7 | 0.93 | 15.4 | — | 1.32 | — | — | 15,347 | 13,429 | 2,307 | 20.9 | 1.34 |
| UNIONBANK | +2.3 | +2.7 | -4.5 | +32.2 | +76.3 | +298.0 | 6.7 | 1.03 | 15.2 | — | 1.21 | — | — | 1.38L | 1.08L | 20,012 | 27.1 | 1.31 |
| UJJIVANSFB | -2.8 | -3.7 | +10.1 | +29.7 | +9.1 | +176.6 | 10.7 | 1.64 | 10.7 | — | 1.32 | — | — | 12,331 | 7,809 | 1,149 | 5.9 | 1.52 |