NSE/AUBANK

AUBANKAU Small Finance Bank Ltd

Financial Services · NSE

₹990.6+0.68%

52-wk low52-WEEK RANGE52-wk high

₹554.3+78.7% from low ·-3.8% from high₹1,029.65

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

AUBANK+249.26% · 1Y

Range high ₹1,039.2Range low ₹183Latest ₹990.6Powered by TradingView · live NSE data

Financial ServicesBanks - RegionalLargecap

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite63/100

Performance

High

Amongst the strong performers in the market.

· 52w return +58.9% — strong momentum
· Trades 15.1% above 200-DMA — uptrend intact

Valuation

High

Looks expensive vs the sector.

· P/E 32.7 — 77% above sector median 18.5
· P/B 4.10 above sector median

Growth

High

Growing faster than the broader market.

· Revenue YoY +52.7% — strong top-line
· Profit YoY +37.2% — strong earnings growth

Profitability

Medium

Average profitability vs peers.

· ROE 12.6%
· Net margin 20.0% — strong pricing power

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeB(64/100)

Durability

A+

85/100

Financially resilient — strong quality + solvency profile.

Show 2 drivers

Piotroski F-score8/8 (100pt)
ROE12.6% (50pt)

Valuation

20/100

Richly valued on most axes; limited margin of safety.

Show 3 drivers

P/E vs sector (32.7 / 18.5)177% (25pt)
P/B4.10 (21pt)
Dividend yield0.10% (3pt)

Momentum

A+

88/100

Strong, confirmed momentum across price + technicals.

Show 5 drivers

52w change+58.9% (100pt)
DMA-trend alignmentup (75pt)
RSI (14)61.5 (93pt)
Price vs 200-DMA+13.4% (87pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)32.72

FAIR

CheapestP/E 32.7 near sector median.Most expensive

P/B4.10

OVERVALUED

CheapestP/B 4.10 at 72th %ile of sector.Most expensive

Monthly seasonality

Avg monthly return over 9 years · historical — not a forecast

Best: Apr +10.96% · Worst: Mar -6.52%

Jan

+3.9%

44% win

Feb

-0.4%

22% win

Mar

-6.5%

44% win

Apr

+11.0%

89% win

May

-1.6%

50% win

Jun

+6.4%

Monthly return distribution

Distribution of 105 monthly returns

Mean

+2.06%

Median

+1.16%

Std dev

12.92%

Best

+38.8%

Worst

-56.5%

% positive

51%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 3

Consistent top-line growth (35.6% 3Y CAGR)
Sustained revenue compounding is rare and hard to fake
Strong net margin (20.0%)
High margin indicates pricing power + operating efficiency
Financial quality score 8/8
Piotroski ≥7 historically associated with outperformance

WEAKNESSES · 1

Premium to sector on P/E (+77%)
P/E 32.7 vs Financial Services median 18.5

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 1

Valuation compression risk
P/E 32.7 is 77% above sector — any growth miss gets punished

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

+0.7%

+0.9%

+12.0%

-0.2%

+36.7%

+81.6%

+19.0%

+9.7%

10Y

+15.3%

Fundamentals

VALUATION

Market cap

₹75,316 Cr

P/E (TTM)

32.7

P/E (fwd)

21.4

next 12m

P/B

4.10

EV/EBITDA

—

Book value

₹245.58

per share

PROFITABILITY · QUALITY

ROE

12.6%

ROCE

—

Net margin

20.0%

Op margin

32.3%

Gross margin

0.0%

D/E

—

GROWTH · MARKET

Rev YoY

+52.7%

Profit YoY

+37.2%

Div yield

0.10%

Payout

3.2%

52w change

+58.9%

Beta

—

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 5

+Forward P/E materially below trailing (21.4x vs 32.7x)Street expects earnings growth that compresses the multiple — positive surprise cushion
+Strong operating margin (32.3%)Meaningful pricing power or cost discipline — above most Indian companies
+Revenue growing at +52.7% YoYGrowth-category territory — implies market-share gains or market expansion
+Profit growing fast (+37.2% YoY)Operating leverage kicking in — bottom line out-growing top line
+3-year revenue CAGR of 35.6%Sustained multi-year growth — not a one-quarter flash

CONS · 1

−Trades at a premium to sector on P/EP/E 32.7 vs Financial Services median 18.5 — priced for more growth than peers

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

32.72

Sector median

18.51

Rank 39/58 (34th %ile)

ROE

This stock

12.6%

Sector median

13.6%

Rank 26/58 (57th %ile)

P/B

This stock

4.10

Sector median

2.13

Rank 42/58 (29th %ile)

Quality score · Piotroski F-score

8 / 8

Strong quality — passes most F-score checks

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
✓Positive operating cash flow· Profits are backed by real cash, not accruals
✓Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✓Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✓ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✓

Analyst consensus

25 analysts · HOLD

Target mean

₹1013.64

Target high

₹1250.00

Target low

₹775.00

Upside vs today

+0.6%

Street consensus target is +0.6% vs current price. Consensus is a lagging sentiment read, not a forecast.

Company + balance sheet snapshot

Industry

Banks - Regional

Employees

50,946

Shares out

74.7

Revenue (TTM)

₹1,061 Cr

Total debt

₹10,319 Cr

Cash

₹7,305 Cr

Net debt

₹3,014 Cr

Quarterly results

Last 5 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q4
Revenue	2,612	2,641	2,858	2,855	3,065
Interest	1,936	2,091	2,177	2,334	2,386
PBT	759	703	657	779	884
Tax %	24.7%	24.9%

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	4,228	5,460	6,856	10,542
Interest	2,688	3,780	5,398	8,052
Depreciation	140	185	225	259
PBT	1,454	1,865	1,999	2,788
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
AUBANKTHIS AU Small Finance Bank Limited	₹990.6	+58.9%	75,316	32.7	4.10	12.6%	—	+52.7%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Date	Amount
2025-07-04	₹1.00
2024-07-12	₹1.00
2023-07-14	₹1.00
2022-07-28	₹0.50
2019-07-18	₹0.38
2018-07-30	₹0.25

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	315	667	669	745
Reserves	3,382	4,287	5,173	6,939
Borrowings	5,991	6,299	5,479	11,660
Total liabilities	69,078	90,216	1,09,426	1,57,846
Fixed assets	623	740	852	912
CWIP	14	33	67	87
Investments	15,307	20,072	27,133	37,848
Total assets	69,078	90,216	1,09,426	1,57,846

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	6,849	5,494	2,608	5,462
CF Investing	-4,753	-4,320	-4,855	-5,931
CF Financing	-948	2,323	-802	2,407
Net cash flow	1,147	3,497	-3,049	3,090
Free cash flow	6,566	5,188	2,262	5,198

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	20.0%	22.4%	26.2%	26.7%
ROE %	31.1%	28.4%	33.0%	30.6%
ROCE %	70.7%	65.5%	53.9%	42.8%
Debt / Equity	1.52	0.94	1.27	1.62
Interest coverage	1.3×	1.4×	1.5×	1.5×
Revenue growth YoY	+53.8%	+25.6%	+29.1%	—
Profit growth YoY	+37.2%	+7.5%	+26.4%	—

AUBANKAU Small Finance Bank Ltd

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Dividends + splits history

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Recent news

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Analyst consensus

Company + balance sheet snapshot

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services