Skip to main content

AU Small Finance Bank Limited (AUBANK.BO)

Bombay Stock Exchange (India) Financial Services Banks - RegionalView data quality →
45.7Fair

ValueMarkers Composite Index

Top 17%#37,039 of 44,714
Undervalued

38% below intrinsic value ($19)

UndervaluedFair ValueOvervalued
Piotroski
3/9
Weak
Beneish
-5.88
Low Risk
Altman
-0.33
Distress
DCF Value
$19
Undervalued
ROIC
1.3%
Low
P/E
31.6
Growth
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

AU Small Finance Bank Limited (AUBANK.BO) — VMCI valuation read

Headline read on AUBANK.BO: VMCI of 46/100 versus a Financial Services sector median of 50. The 4-point below-median position is what makes AU Small Finance Bank Limited a relative-value laggard in the mid-cap cohort, before any pillar-level review.

Form 4 filings on AUBANK.BO: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.

**Investor frame.** Three reads on AUBANK.BO: value (AUBANK.BO trades at 27.0x earnings, 50% above the Financial Services median of 18.0x), quality (ROIC of 11.0% sits 1.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of -1.6x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.

AUBANK.BO fell 0.2% over the trailing 7 days, with a -22.6% read on a 30-day basis.

AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, current, salary, fixed, recurring, and COVID shield deposit accounts, as well as debit and credit cards and locker services. In addition, the company offers car, two-wheeler, commercial vehicle, personal, tractor, home, gold, construction equipment, business, agriculture, and working capital loans. Further, it provides life, health, general, and motor insurance; mutual funds and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services. Additionally, the company provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. It operates bank branches, correspondents banking outlets, business correspondents, and ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

CEO: Sanjay Agarwal29,738 employeesINwww.aubank.in

Top peers ranked by VM Score. Compare valuation, quality, and risk metrics across the sector.

Browse More

Key metrics explained

Definitions, formulas, and how ValueMarkers calculates each indicator used in AUBANK.BO’s VM Score.

Explore More

Compare Competitors

Weekly Stock Analysis - Free

5 undervalued stocks, fully modeled. Every Monday. No spam.

Cookie Preferences

We use cookies to analyze site usage and improve your experience. You can accept all, reject all, or customize your preferences.