📊Technical Analysis
IPO & COVID Dip: Listed around ₹270 in 2017 → surged to ₹600 by 2020, then fell below ₹200 during the COVID crash.
Post-COVID Recovery: Strong bounce from ₹180–₹200 with classic higher highs and higher lows → hit ₹813 all-time high in January 2024.
Correction Phase: Decline followed into late 2024–2025, forming a descending channel.
Breakout Trigger: Q4 FY25 results announced on 22nd April triggered a breakout of the recent lower highs on 9th June, lifting the stock to ₹781.
Key Levels:
🎯Upside Targets: ₹813 → ₹830 → ₹875
🔻Supports: ₹750 (minor), ₹700 (major). Breach of these would negate the bullish case.
💰FY24 Financial Highlights:
🔍Fundamental Highlights
Net Interest Income (NII) rose 55% YoY to ₹8,012 Cr (FY25)
Other Income increased 49% YoY to ₹2,526 Cr (FY25)
Profit After Tax grew 32% YoY to ₹2,106 Cr (FY25)
Cost-to-Income ratio improved ~7% to ~57%
Net Interest Margin (NIM) rose to 5.94% (FY25) from 5.45% (FY24)
Asset Quality: GNPA of 2.28%, NNPA at 0.74%; strong provisioning coverage of 84%
Deposit & Loan Growth: Deposits up 27%, Advances up 20%; CASA at 29%
Dividend Announcement: ₹1 per share final dividend approved
Future Growth Outlook: Projected 30% earnings CAGR (FY24–27)
Universal Bank Ambition: Applied for RBI universal banking licence
✅Conclusion
AU Small Finance Bank is showing a strong turnaround with breakout momentum and outstanding financial results:
📈Bullish Setup: Breakout above the descending channel and recent high at ₹780 ↗️
📌Volume Validation: Q4 rally supported by improved trading activity
🎯Targets: ₹813 → ₹830 → ₹875
🚨Supports to Watch: ₹750 → ₹700 (violation may derail the bounce momentum)
With resilient revenue, improved margins, and credit growth, AU Small Finance Bank appears well-positioned for the next leg up—provided key support holds.
⚠️Disclaimer
This report is for informational purposes only and does not constitute investment advice. Please consult with a certified financial advisor before making any investment decisions.
IPO & COVID Dip: Listed around ₹270 in 2017 → surged to ₹600 by 2020, then fell below ₹200 during the COVID crash.
Post-COVID Recovery: Strong bounce from ₹180–₹200 with classic higher highs and higher lows → hit ₹813 all-time high in January 2024.
Correction Phase: Decline followed into late 2024–2025, forming a descending channel.
Breakout Trigger: Q4 FY25 results announced on 22nd April triggered a breakout of the recent lower highs on 9th June, lifting the stock to ₹781.
Key Levels:
🎯Upside Targets: ₹813 → ₹830 → ₹875
🔻Supports: ₹750 (minor), ₹700 (major). Breach of these would negate the bullish case.
💰FY24 Financial Highlights:
- Total Income: ₹16,064 Cr (vs ₹10,555 Cr in FY23; ₹8,205 Cr in FY22)
- Total Interest Income: ₹8,052 Cr (vs ₹5,398 Cr in FY23; ₹3,780 Cr in FY22)
- Total Expenses: ₹7,750 Cr (vs ₹4,678 Cr in FY23; ₹3,410 Cr in FY22)
- Financing Profit: ₹262 Cr (vs ₹479 Cr in FY23; ₹1,015 Cr in FY22)
- Profit Before Tax: ₹2,788 Cr (vs ₹1,999 Cr in FY23; ₹1,865 Cr in FY22)
- Profit After Tax: ₹2,106 Cr (vs ₹1,535 Cr in FY23; ₹1,428 Cr in FY22)
- Diluted Normalized EPS: ₹28.29 (vs ₹22.93 in FY23; ₹21.42 in FY22)
🔍Fundamental Highlights
Net Interest Income (NII) rose 55% YoY to ₹8,012 Cr (FY25)
Other Income increased 49% YoY to ₹2,526 Cr (FY25)
Profit After Tax grew 32% YoY to ₹2,106 Cr (FY25)
Cost-to-Income ratio improved ~7% to ~57%
Net Interest Margin (NIM) rose to 5.94% (FY25) from 5.45% (FY24)
Asset Quality: GNPA of 2.28%, NNPA at 0.74%; strong provisioning coverage of 84%
Deposit & Loan Growth: Deposits up 27%, Advances up 20%; CASA at 29%
Dividend Announcement: ₹1 per share final dividend approved
Future Growth Outlook: Projected 30% earnings CAGR (FY24–27)
Universal Bank Ambition: Applied for RBI universal banking licence
✅Conclusion
AU Small Finance Bank is showing a strong turnaround with breakout momentum and outstanding financial results:
📈Bullish Setup: Breakout above the descending channel and recent high at ₹780 ↗️
📌Volume Validation: Q4 rally supported by improved trading activity
🎯Targets: ₹813 → ₹830 → ₹875
🚨Supports to Watch: ₹750 → ₹700 (violation may derail the bounce momentum)
With resilient revenue, improved margins, and credit growth, AU Small Finance Bank appears well-positioned for the next leg up—provided key support holds.
⚠️Disclaimer
This report is for informational purposes only and does not constitute investment advice. Please consult with a certified financial advisor before making any investment decisions.
Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.
Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.