AU Small Finance Bank Limited
AUBANK · Banking · NSE
₹1,016
Current Market Price
Fair Value (P/B + Residual Income)
₹667
Discount to FV
-34.3%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
9/9
Economic Moat
Narrow
Confidence
31%
ROE
13.2%
Debt/Equity
0.69
Cost of Equity
12.8%
Market Cap
₹75,996 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
30.3%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,015.5
Bear case
Margin of Safety —
Implied upside -117.4%
Base case
Margin of Safety -109.2%
Implied upside -52.2%
Bull case
Margin of Safety -9.5%
Implied upside -8.7%
Ratio Trends
AUBANK · last 8 annual periods
ROE
13.2%
ROCE
—
Operating Margin
—
Debt / Equity
0.69×
PE
23.9×
EV / EBITDA
—
Historical Financials
AUBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹4228 Cr | ₹5460 Cr | ₹6856 Cr | ₹10.5K Cr | ₹12.1K Cr | +30.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹1130 Cr | ₹1428 Cr | ₹1535 Cr | ₹2106 Cr | ₹2641 Cr | +23.7% |
| EPS (diluted) | ₹35.69 | ₹21.74 | ₹22.86 | — | — | -10.5% |
| CFO | ₹6849 Cr | ₹5494 Cr | ₹2608 Cr | ₹5462 Cr | ₹1829 Cr | -28.1% |
| CapEx | ₹-282 Cr | ₹-306 Cr | ₹-346 Cr | ₹-264 Cr | ₹-809 Cr | — |
| FCF | ₹6566 Cr | ₹5188 Cr | ₹2262 Cr | ₹5198 Cr | ₹1020 Cr | -37.2% |
| Total Assets | ₹69.1K Cr | ₹90.2K Cr | ₹109.4K Cr | ₹157.8K Cr | ₹191.8K Cr | +29.1% |
| Total Debt | ₹5991 Cr | ₹6299 Cr | ₹5479 Cr | ₹11.7K Cr | ₹13.9K Cr | +23.4% |
| Shareholders' Equity | ₹7514 Cr | ₹11.0K Cr | ₹12.6K Cr | ₹17.2K Cr | ₹20.0K Cr | +27.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
AUBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 FEDERALBNK FEDERALBNK | — | — | Pending | 10.9% | 14.7× |
 YESBANK YESBANK | — | — | Pending | 5.1% | — |
 INDUSINDBK INDUSINDBK | — | — | Pending | 1.4% | 65.9× |
 MAHABANK Bank of Maharashtra | -44.7%-30.9% upside | 45 | Above Fair Value | 21.1% | 6.7× |
 BANKINDIA Bank of India | +22.2%+28.5% upside | 65 | Near Fair Value | 11.5% | 6.1× |
Click a ticker to view its fair-value analysis.
Dividend History
6 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹3.50/sh
Last payout
2025-07-04
₹1.00
Peak payout
₹1.00
Trailing yield
0.10%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. AU Small Finance Bank Limited (AUBANK.NS) trades at 1015.50 vs a model fair value of 667.24, a gap of -34.3%. Piotroski F-score: 9/9. Moa...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of AUBANK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for AUBANK →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse AUBANKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.