banking
AU Small Finance Bank
AUBANK · Nifty 50
₹1,020.85
Price 2026-06-17
At a Glance
Fundamental
92/100
STRONG
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
AU Small Finance Bank scores 92/100 on fundamentals (strong). AU Small Finance Bank: BROAD EXPANSION regime.
Fundamental Score: 92/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 12.9% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 12.93% is moderate leverage-driven and stable. Net margin of 21.4% × asset turnover of 0.06x × leverage of 9.6x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 21.4% means the company keeps ₹21.4 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.06x means the company generates ₹0.06 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 9.6x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
21.4%
Financial Health
Peer Comparison
AU Small Finance Bank is compared against 10 peers in the banking sector.
Bank Metrics
Return on Assets
1.35%
Benchmark: >1%
Efficiency Ratio
78.6%
Lower is better
Asset Growth
+21.5%
Year over year
PB Ratio
3.8x
Price to book
ROA of 1.35% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 3.8x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹1072 (+5%)
Trend reversal confirmation
Breaks below ₹970 (-5%)
Further downside risk
Banking sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
Working capital is consuming significant cash. Operational efficiency declining.
High revenue multiple. Market pricing in significant growth or margins expansion.
➡️ 2 flags — 0 positive, 2 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes