AU Small Finance Bank Limited
AUBANK · General/Diversified · NSE
₹981
Current Market Price
Fair Value (DCF)
₹446
Margin of Safety
-54.5%
Updated just now
YieldIQ Score
20/100
Piotroski F-Score
4/9
Economic Moat
Moderate
Confidence
44%
ROE
12.3%
Debt/Equity
0.00
WACC
12.8%
Market Cap
₹0.73 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.07×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹980.55
Bear case
₹270.32
MoS -262.7%
Base case
₹445.8
MoS -120.0%
Bull case
₹554.69
MoS -76.8%
Ratio Trends
AUBANK · last 7 annual periods
ROE
12.3%
ROCE
—
Operating Margin
—
Debt / Equity
0.68×
PE
—
EV / EBITDA
—
Historical Financials
AUBANK · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | ₹10.5K Cr | +0.0% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | — | — | ₹2106 Cr | +0.0% |
| EPS (diluted) | ₹37.86 | ₹35.69 | ₹21.74 | ₹5.52 | — | -38.2% |
| CFO | — | — | — | — | ₹5462 Cr | +0.0% |
| CapEx | — | — | — | — | ₹-264 Cr | — |
| FCF | — | — | — | — | ₹5198 Cr | +0.0% |
| Total Assets | — | ₹69.1K Cr | ₹90.2K Cr | ₹109.4K Cr | ₹157.8K Cr | +22.9% |
| Total Debt | — | — | — | — | ₹11.7K Cr | +0.0% |
| Shareholders' Equity | — | — | — | — | ₹17.2K Cr | +0.0% |
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 | 11.7% | — |
| IDBI IDBI | — | — | Pending | 12.4% | — |
| BANKINDIA BANKINDIA | — | — | Pending | 11.8% | — |
| IOB Indian Overseas Bank | -18.2% | 20 | Overvalued | 10.5% | — |
| INDUSINDBK IndusInd Bank Limited | +45.7% | 32 | Undervalued | 397.2% | — |
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 not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. AU Small Finance Bank Limited (AUBANK.NS) trades at 980.55 vs a model fair value of 445.80, a gap of -54.5%. Piotroski F-score: 4/9. Moat...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of AUBANK →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for AUBANK →
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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.