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AU Small Finance Bank Ltd

NSE: AUBANK BSE: 540611

965.20

(-1.47)%

Tue, 03 Feb 2026, 03:23 am

Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as AU Small Finance Bank has not reported any payouts.
    • Unable to evaluate AU Small Finance Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate AU Small Finance Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • AU Small Finance Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
    • AU Small Finance Bank's liabilities are made up of primarily low risk sources of funding.
    • AU Small Finance Bank has an acceptable proportion of non-loan assets held.
    • Loans at AU Small Finance Bank are broadly funded by customer deposits.
    • AU Small Finance Bank has an acceptable level of bad loans (less than 2%).
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    Cons

      management

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      Pros

      • The tenure for the AU Small Finance Bank board of directors is about average.
      • Sanjay's remuneration is lower than average for companies of similar size in India.
      • Sanjay's compensation has been consistent with company performance over the past year, both up more than 20%.
      • The average tenure for the AU Small Finance Bank management team is over 5 years, this suggests they are a seasoned and experienced team.
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      Cons

      • AU Small Finance Bank individual insiders have sold more shares than they have bought in the past 3 months.

      misc

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      Pros

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        Cons

        • AU Small Finance Bank is not covered by any analysts.
        • AU Small Finance Bank has significant price volatility in the past 3 months.

        past

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        Pros

        • AU Small Finance Bank's 1-year earnings growth exceeds its 5-year average (76.2% vs 16.1%)
        • AU Small Finance Bank's year on year earnings growth rate has been positive over the past 5 years.
        • AU Small Finance Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
        • AU Small Finance Bank's earnings growth has exceeded the IN Banks industry average in the past year (76.2% vs 21%).
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        Cons

        • AU Small Finance Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

        value

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        Pros

        • 540611 outperformed the Banks industry which returned -37.5% over the past year.
        • BSE:540611 is up 14.8% outperforming the Banks industry which returned 7.6% over the past month.
        • BSE:540611 is up 14.8% outperforming the market in India which returned 8% over the past month.
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        Cons

        • AU Small Finance Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
        • AU Small Finance Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
        • AU Small Finance Bank is overvalued based on assets compared to the IN Banks industry average.
        • AU Small Finance Bank is overvalued based on earnings compared to the IN Banks industry average.
        • AU Small Finance Bank is overvalued based on earnings compared to the India market.
        • 540611 underperformed the Market in India which returned -14.5% over the past year.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800