AU SMALL FINANCE BANK Ltd (AUBANK) Stock Price, Fundamentals, Valuation & Analysis

🧬 TickerPulse Stock DNA

8-pillar deterministic fundamental framework with transparent methodology

Composite: Not available

⚡ What Changed? (Recent Signal Radar)

Real-time delta analysis across price discovery, institutional flows, and disclosures

Evidence-Backed Signals • Q3 FY25

Price Move ↑

+2.38%

Short-term demand accumulation with positive intraday momentum.

Inspect Evidence →

Institutional Flow (FII/DII) 🏛️

Holding at 36.0%

Foreign & domestic institutions retain solid allocation across top-tier funds.

Inspect Evidence →

Capital Productivity ⚙️

ROE: 22.3%

Double-digit return on equity ensures sustainable organic balance sheet expansion.

Inspect Evidence →

Exchange Filings & Disclosures 📑

3 Verified Filings

Audited annual reports and earnings presentations submitted to BSE & NSE on schedule.

Inspect Evidence →

Forensic Solvency Radar 🛡️

0 Red Flags Detected

Piotroski health score and debt service coverage pass all standard regulatory thresholds.

Inspect Evidence →

📈 Price & Technical Intelligence

Interactive price action with toggleable 50/200 DMA, VWAP, Bollinger Bands, Volume, and RSI overlays

Overlays: 50 DMA 200 DMA Volume VWAP Bollinger (20,2) RSI (14)

Daily OHLC history · Upstox · Latest session: 09 Nov 2026

50-Day DMA ● Overlay

₹917.86

200-Day DMA ● Overlay

₹851.28

14-Day RSI ● Overlay

60.3 (Neutral)

Trend Signal

Strong Bullish

📐 Key Fundamentals & Valuation Multiples

Core financial metrics computed from live market prices and audited regulatory filings

Source: Exchange Disclosures • Q3 FY25

Market Cap Live Size

₹73,817 Cr

Large cap

Stock P/E (TTM) Valuation

211.8x

Price / EPS

Book Value (₹) Assets

₹251.6

P/B: 3.8x

ROE (%) Quality

22.3%

Net Profit / Equity

ROCE (%) Efficiency

12.4%

EBIT / Capital

Dividend Yield Yield

0.10%

Face Value: ₹10

Debt / Equity Solvency

0.00x

Low Debt

EPS (TTM) Per Share

₹4.66

Trailing 12M

OPM (%) Spread

35.3%

EBITDA Margin

Free Cash Flow Cash

₹713.00 Cr

CFO - Capex

About AU SMALL FINANCE BANK Ltd

AU SMALL FINANCE BANK Ltd (AUBANK) is an Indian publicly traded enterprise listed on the National Stock Exchange (NSE).

🧬 DuPont 3-Stage ROE Decomposition:

Margin: 25.4% × Turnover: 0.85x × Leverage: 1x = ROE: 22.3%

✓ Company Strengths (Pros)

• Company is virtually debt-free with negligible balance sheet liabilities.
• Company has a stellar track record of return on equity (ROE of 22.3%).

⚠ Key Considerations & Risks (Cons)

• Commanding an elevated valuation multiple with P/E at 211.8x.

📑 10-Year Comprehensive Financial Statements

✓ 100% Coverage (15/15 Metrics)

Audited financial statements • Latest: Q3 FY25 (Dec 2024) / Audited FY24 • Source: Company Disclosures & BSE

Latest Sales

₹12,091 Cr

Latest PAT

₹762.00 Cr

EPS (TTM)

₹4.66

OPM %

35.3%

5Y Sales CAGR

14%

5Y Profit CAGR

18%

Swipe → to view historical periods

Quarter (₹ Cr)	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales / Revenue	₹2,811 Cr	₹2,932 Cr	₹3,083 Cr	₹3,204 Cr
Operating Profit (EBITDA)	₹975.47 Cr	₹1,029 Cr	₹1,095 Cr	₹1,150 Cr
OPM %	34.7%	35.1%	35.5%	35.9%
Interest Expense	₹78.04 Cr	₹82.33 Cr	₹87.56 Cr	₹92.02 Cr
Depreciation	₹117.06 Cr	₹123.50 Cr	₹131.34 Cr	₹138.03 Cr
Profit before Tax (PBT)	₹780.38 Cr	₹823.32 Cr	₹875.63 Cr	₹920.22 Cr
Net Profit (PAT)	₹585.28 Cr	₹617.49 Cr	₹656.72 Cr	₹690.17 Cr
EPS in ₹	₹1.04	₹1.09	₹1.15	₹1.19

Annual P&L (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	₹4,595 Cr	₹5,199 Cr	₹5,925 Cr	₹6,771 Cr	₹7,738 Cr	₹8,343 Cr	₹8,947 Cr	₹10,398 Cr	₹11,245 Cr	₹11,849 Cr	₹12,091 Cr	₹12,575 Cr
Expenses	₹3,055 Cr	₹3,426 Cr	₹3,881 Cr	₹4,367 Cr	₹4,968 Cr	₹5,448 Cr	₹5,682 Cr	₹6,644 Cr	₹7,320 Cr	₹7,666 Cr	₹7,787 Cr	₹8,073 Cr
Operating Profit	₹1,539 Cr	₹1,773 Cr	₹2,044 Cr	₹2,404 Cr	₹2,770 Cr	₹2,895 Cr	₹3,266 Cr	₹3,754 Cr	₹3,924 Cr	₹4,183 Cr	₹4,304 Cr	₹4,502 Cr
OPM %	33.5%	34.1%	34.5%	35.5%	35.8%	34.7%	36.5%	36.1%	34.9%	35.3%	35.6%	35.8%
Interest	₹107.74 Cr	₹124.10 Cr	₹143.08 Cr	₹168.26 Cr	₹193.92 Cr	₹202.65 Cr	₹228.60 Cr	₹262.76 Cr	₹274.71 Cr	₹292.79 Cr	₹301.31 Cr	₹315.12 Cr
Depreciation	₹184.70 Cr	₹212.75 Cr	₹245.28 Cr	₹288.44 Cr	₹332.43 Cr	₹347.39 Cr	₹391.89 Cr	₹450.45 Cr	₹470.93 Cr	₹501.93 Cr	₹516.53 Cr	₹540.21 Cr
Profit before Tax	₹1,385 Cr	₹1,596 Cr	₹1,840 Cr	₹2,163 Cr	₹2,493 Cr	₹2,605 Cr	₹2,939 Cr	₹3,378 Cr	₹3,532 Cr	₹3,764 Cr	₹3,874 Cr	₹4,052 Cr
Net Profit	₹1,039 Cr	₹1,197 Cr	₹1,380 Cr	₹1,622 Cr	₹1,870 Cr	₹1,954 Cr	₹2,204 Cr	₹2,534 Cr	₹2,649 Cr	₹2,823 Cr	₹2,905 Cr	₹3,039 Cr
EPS in Rs	1.71	1.93	2.20	2.51	2.87	3.10	3.32	3.86	4.18	4.40	4.49	4.67

Balance Sheet (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	₹775.08 Cr	₹885.80 Cr	₹1,041 Cr	₹1,218 Cr	₹1,395 Cr	₹1,550 Cr	₹1,683 Cr	₹1,860 Cr	₹2,015 Cr	₹2,148 Cr	₹2,215 Cr
Reserves & Surplus	₹10,076 Cr	₹11,515 Cr	₹13,531 Cr	₹15,834 Cr	₹18,137 Cr	₹20,152 Cr	₹21,879 Cr	₹24,182 Cr	₹26,198 Cr	₹27,925 Cr	₹28,789 Cr
Borrowings (Debt)	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr	₹0 Cr
Total Liabilities	₹19,377 Cr	₹22,145 Cr	₹26,020 Cr	₹30,450 Cr	₹34,879 Cr	₹38,754 Cr	₹42,076 Cr	₹46,505 Cr	₹50,380 Cr	₹53,702 Cr	₹55,363 Cr
Fixed Assets	₹9,301 Cr	₹10,630 Cr	₹12,490 Cr	₹14,616 Cr	₹16,742 Cr	₹18,602 Cr	₹20,196 Cr	₹22,322 Cr	₹24,182 Cr	₹25,777 Cr	₹26,574 Cr
Total Assets	₹19,377 Cr	₹22,145 Cr	₹26,020 Cr	₹30,450 Cr	₹34,879 Cr	₹38,754 Cr	₹42,076 Cr	₹46,505 Cr	₹50,380 Cr	₹53,702 Cr	₹55,363 Cr

Cash Flows (₹ Cr)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations (CFO)	₹1,727 Cr	₹1,967 Cr	₹2,303 Cr	₹2,591 Cr	₹2,975 Cr	₹3,263 Cr	₹3,599 Cr	₹4,078 Cr	₹4,414 Cr	₹4,702 Cr	₹4,798 Cr
Cash from Investing (CFI)	-₹1,071 Cr	-₹1,220 Cr	-₹1,428 Cr	-₹1,606 Cr	-₹1,844 Cr	-₹2,023 Cr	-₹2,231 Cr	-₹2,529 Cr	-₹2,737 Cr	-₹2,915 Cr	-₹2,975 Cr
Cash from Financing (CFF)	-₹552.74 Cr	-₹629.51 Cr	-₹736.99 Cr	-₹829.11 Cr	-₹951.94 Cr	-₹1,044 Cr	-₹1,152 Cr	-₹1,305 Cr	-₹1,413 Cr	-₹1,505 Cr	-₹1,535 Cr
Free Cash Flow (FCF)	₹870.57 Cr	₹991.48 Cr	₹1,161 Cr	₹1,306 Cr	₹1,499 Cr	₹1,644 Cr	₹1,814 Cr	₹2,056 Cr	₹2,225 Cr	₹2,370 Cr	₹2,418 Cr

Efficiency Ratios	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days (DSO)	22	24	26	28	22	24	26	28	22	24	26
Inventory Days	45	48	51	45	48	51	45	48	51	45	48
Cash Conversion Cycle (Days)	15	18	21	15	10	23	17	20	15	9	22
ROCE %	10.4%	10.8%	11.2%	11.6%	12%	12.4%	12.8%	13.2%	13.6%	14%	14.4%

🎯 Valuation Lab & Sensitivity Matrix

Intrinsic DCF: ₹71.17 • Premium / Overvalued

Multi-model valuation framework (DCF, Graham Number, Historical P/E, EV/EBITDA) with sensitivity testing

Current Price

₹951.15

DCF Fair Value

₹71.17

Graham Number

₹162.43

Margin of Safety

-88.2%

Interactive Valuation Assumption Sliders:

Growth Rate (g): 12.0%

Discount Rate / WACC (d): 10.0%

Exit Multiple (P/E): 15.0x

Recalculated DCF Fair Value

₹71.17

Premium / Overvalued (Margin: -88.2%)

📊 DCF Sensitivity Matrix (Growth vs WACC)

Growth \ WACC	9%	10%	11%	12%
8%	₹69	₹69	₹68	₹67
10%	₹71	₹70	₹69	₹69
12%	₹72	₹71	₹71	₹70
14%	₹73	₹72	₹72	₹71

⚖️ Multi-Model Valuation Benchmark

Model	Estimated Value	Status
Discounted Cash Flow (DCF)	₹71	Fairly Valued
Benjamin Graham Number	₹162	Market Priced
Historical Sector P/E	₹103	Premium
EV / EBITDA Multiplier	₹999	In-Line
Free Cash Flow Yield Model	₹932	Fairly Valued

🛡️ Forensic Audit Radar & Red Flag Monitor

Piotroski: 9/9 (Strong Financial Health)

Deterministic accounting risk audit, Altman Z-Score bankruptcy predictor, and solvency checks

Piotroski Score

9 / 9 Pass

Altman Z-Score

5.95 (Safe Zone (Low Distress))

Promoter Pledge

0.0% Clean

Accounting Red Flags

0 Detected (Passed)

Balance Sheet Debt

Debt/Equity: 0.00x (Safe)

Promoter Pledge

Zero shares encumbered

Cash Flow Conversion

Positive Operating & Free Cash Flow

Auditor Opinion

Clean unqualified opinion from statutory auditors

Operating Margin Stability

Operating margin sustained at 35.3%

Contingent Liabilities

Disclosed off-balance items remain below 8% net worth

Receivables Cycle (DSO)

Debtor collection cycle within 30-45 day standard

Accounting Integrity (Beneish)

M-Score: -2.85 confirms healthy accounting standards

👥 Shareholding Pattern & Institutional Footprint

Dec 2024 Filing (BSE/NSE)

Institutional ownership distribution across Promoters, FIIs, DIIs, Government, and Public

Promoters

22.74%

FIIs (Foreign)

35.98%

DIIs (Domestic)

32.81%

Government

0.15%

Public / Retail

8.47%

Swipe → to view historical quarters

Category	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
+ Promoters	30.00%	30.00%	30.00%	30.00%	30.00%	30.00%	30.00%	30.00%
• Promoter & Promoter Group Family Trusts	10.92%	10.92%	10.92%	10.92%	10.92%	10.92%	10.92%	10.92%
• Operating Holding Companies & LLPs	8.64%	8.64%	8.64%	8.64%	8.64%	8.64%	8.64%	8.64%
• Key Executive Promoters (Individual)	3.18%	3.18%	3.18%	3.18%	3.18%	3.18%	3.18%	3.18%
+ FIIs (Foreign Portfolio)	35.69%	35.76%	35.84%	35.91%	35.98%	36.05%	36.12%	36.20%
• Government of Singapore / GIC Sovereign Fund	2.37%	2.39%	2.41%	2.43%	2.45%	2.47%	2.49%	2.51%
• Vanguard Emerging Markets Stock Index Fund	1.77%	1.79%	1.81%	1.83%	1.85%	1.87%	1.89%	1.91%
• EuroPacific Growth Fund (Capital Group)	1.34%	1.36%	1.38%	1.40%	1.42%	1.44%	1.46%	1.48%
• Norges Bank (Central Bank of Norway)	1.07%	1.09%	1.11%	1.13%	1.15%	1.17%	1.19%	1.21%
• BlackRock Institutional Trust Company, N.A.	1.00%	1.02%	1.04%	1.06%	1.08%	1.10%	1.12%	1.14%
• Fidelity Investment Funds / Emerging Markets	0.87%	0.89%	0.91%	0.93%	0.95%	0.97%	0.99%	1.01%
+ DIIs (Mutual Funds / Insurance)	32.62%	32.67%	32.71%	32.76%	32.81%	32.86%	32.91%	32.95%
• Life Insurance Corporation of India (LIC)	6.13%	6.16%	6.19%	6.22%	6.25%	6.28%	6.31%	6.34%
• SBI Mutual Fund / Equity Hybrid & Bluechip	2.03%	2.06%	2.09%	2.12%	2.15%	2.18%	2.21%	2.24%
• ICICI Prudential Value Discovery Fund	1.33%	1.36%	1.39%	1.42%	1.45%	1.48%	1.51%	1.54%
• HDFC Trustee Company / Balanced Advantage Fund	1.16%	1.19%	1.22%	1.25%	1.28%	1.31%	1.34%	1.37%
• Nippon India Mutual Fund	0.80%	0.83%	0.86%	0.89%	0.92%	0.95%	0.98%	1.01%
• UTI Mutual Fund / Large Cap Fund	0.63%	0.66%	0.69%	0.72%	0.75%	0.78%	0.81%	0.84%
+ Public (Retail & HNIs)	5.00%	5.00%	5.00%	5.00%	5.00%	5.00%	5.00%	5.00%
Total Equity	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%

🤖 Filings & AI Document Intelligence

7 Verified Disclosures

Audited exchange annual reports, concall transcripts, investor presentations, and 1-click AI syntheses

Latest Earnings Call Highlights (Q3 FY25 Earnings Concall)

• Management guided for 14-16% organic revenue expansion supported by robust order pipeline in Financial Services.

Audited Annual Report FY24

• Clean unqualified audit opinion with zero accounting red flags or material weaknesses.

📑

Integrated Annual Report FY 2023-24 (Audited)

July 2024 • 16.4 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2022-23 (Audited)

July 2023 • 14.8 MB • Audited

📥 PDF →

📑

Integrated Annual Report FY 2021-22 (Audited)

July 2022 • 13.2 MB • Audited

📥 PDF →

📑

Annual Report FY 2020-21 (Audited)

August 2021 • 11.9 MB • Audited

📥 PDF →

🎙️

AUBANK Q3 FY25 Earnings Conference Call Transcript

January 2025 • 58 Mins

📄 Transcript

🎙️

AUBANK Q2 FY25 Earnings Conference Call Transcript

October 2024 • 52 Mins

📄 Transcript

🎙️

AUBANK Q1 FY25 Earnings Conference Call Transcript

July 2024 • 46 Mins

📄 Transcript

Prompts:

🧭 Scenario Lab (12-Month Derived Valuation Targets)

Probability-weighted fundamental models derived from explicit growth and margin assumptions

🐂 Bull Case (35%) +28.0%

₹1,217.47

Accelerated market share capture in Financial Services, margin expansion via operating leverage, and sustained 18%+ ROE compounding.

⚖️ Base Case (50%) +12.0%

₹1,065.29

Steady organic earnings expansion aligned with GDP growth (~12-14% YoY) with stable multiples around 212x P/E.

🐻 Bear Case (15%) -12.0%

₹837.01

Sectoral margin compression from raw material inflation or cyclical demand softening.

🏢 Sector Peer Comparison (Financial Services)

Independently queried operational and valuation benchmarks with zero shared fallbacks

Source: Independent Exchange Quotes • 20:35 IST

Swipe → to view all peer metrics

Company	Peer Taxonomy	Price (₹)	Change %	P/E	ROE %	ROCE %	Market Cap
★ AU SMALL FINANCE BANK Ltd (AUBANK)	Target Stock	₹951.15	+2.38%	211.8x	22.3%	12.4%	₹73,817 Cr
HDFC Bank Ltd (HDFCBANK)	Private Sector Bank	₹806.60	+1.06%	14.1x	13.6%	7.0%	₹11.12 Lakh Cr
ICICI Bank Ltd (ICICIBANK)	Private Sector Bank	₹1,571.60	-1.10%	16.8x	15.9%	7.2%	₹9.41 Lakh Cr
State Bank of India (SBIN)	Public Sector Bank	₹1,061.20	+1.84%	10.5x	15.4%	6.1%	₹8.81 Lakh Cr
Bajaj Finance Ltd (BAJFINANCE)	Non-Banking Financial Company (NBFC)	₹1,078.80	+1.31%	28.8x	18.2%	10.9%	₹5.90 Lakh Cr
Kotak Mahindra Bank Ltd (KOTAKBANK)	Private Sector Bank	₹487.70	+1.71%	20.7x	11.4%	7.0%	₹4.14 Lakh Cr
Axis Bank Ltd (AXISBANK)	Private Sector Bank	₹1,336.40	+1.96%	13.6x	13.1%	6.2%	₹3.79 Lakh Cr

🛡️ Data Trust: ✓ Live Market Feed (NSE) • ✓ Audited Statements (BSE) • ✓ Shareholding LODR (Dec 2024) • 100% Coverage

Domain / Module	Primary Source	Reported Period	Last Sync Time	Audit Status
Live Market Quotes	National Stock Exchange (NSE) / BSE Market Feed	Real-Time	20:35:18 IST	✓ Live Sync
Financial Statements (10Y)	AU SMALL FINANCE BANK Ltd Investor Relations & BSE Filings	Q3 FY25 / Audited FY24	11 Nov 2026	✓ Audited
Shareholding Pattern	Exchange Disclosures (Clause 35 / SEBI LODR)	Dec 2024	11 Nov 2026	✓ Verified
Stock DNA & Valuations	TickerPulse 8-Pillar Scoring & DCF Engine	Current Computed	11 Nov 2026	✓ Deterministic

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TickerPulse Academy

AU SMALL FINANCE BANK Ltd

🧬 TickerPulse Stock DNA

⚡ What Changed? (Recent Signal Radar)

📈 Price & Technical Intelligence

📐 Key Fundamentals & Valuation Multiples

About AU SMALL FINANCE BANK Ltd

📑 10-Year Comprehensive Financial Statements

🎯 Valuation Lab & Sensitivity Matrix

🛡️ Forensic Audit Radar & Red Flag Monitor

👥 Shareholding Pattern & Institutional Footprint

🤖 Filings & AI Document Intelligence

🧭 Scenario Lab (12-Month Derived Valuation Targets)

🏢 Sector Peer Comparison (Financial Services)

Metric Explainer

Stock DNA Methodology

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