Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

AU Small Finance Bank Limited engages in the provision of various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, salary, term, current, escrow, trade, fixed, RERA, and recurring deposit accounts; and debit and credit cards, as well as safe deposit locker services. The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, gold, business, agriculture, working capital, and construction loans; and financial institutional lending services. In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services. Further, the company provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. It operates through its bank branches, correspondents banking outlets, business correspondents, and ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

Revenue projections:

Revenue projections for AUBANK
Revenue projections for AUBANK

With AUBANK's revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 0.000000
forwardPE 21.127832
debtToEquity 0.000000
earningsGrowth -0.022000
revenueGrowth 0.061000
grossMargins 0.000000
operatingMargins 0.306750
trailingEps 29.110000
forwardEps 21.210000

AUBANK's Forward PE being in a reasonable range suggests the stock is fairly priced based on its earnings. The stock isn't overpriced, leaving room for growth, making it an attractive investment for those seeking opportunities for future value appreciation.
AUBANK's low earnings and revenue growth suggest that the company may face shrinking profits. This could indicate underlying financial challenges, making it difficult for AUBANK to sustain its current profitability.
AUBANK's negative gross and operating margins suggest the company is not generating profit from either its production process or day-to-day operations. This could signal cost overruns or difficulties in maintaining revenue levels.
AU Small Finance Bank Limited's lower forward EPS compared to trailing EPS suggests the company will likely experience reduced earnings in the current year. This may signal a less optimistic financial outlook.

Price projections:

Price projections for AUBANK
Price projections for AUBANK

Price projections for AUBANK have consistently been revised upward, indicating positive sentiment toward the company. This gradual adjustment reflects growing confidence in AUBANK's future potential and financial outlook among analysts.

Insider Transactions:

Insider Transactions for AUBANK
Insider Transactions for AUBANK


4 AUBANK stock sales were completed, with market price of 808.7250061035156.The period under consideration did not see any sell transactions.The recent trend of more purchases than sales at AUBANK's current price could signal investor optimism. This pattern may point to a positive outlook for the stock, as it indicates growing confidence in its potential to perform well in the future.

Recommendation changes over time:

Recommendations trend for AUBANK
Recommendations trend for AUBANK


The analysts' recent buy bias for AUBANK indicates strong confidence in the stock's future performance. This could encourage more investors to view AUBANK as a worthwhile investment, positioning the company as a top choice for those seeking financial security and long-term growth opportunities.