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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
AU Small Finance Bank Limited is an India-based non-deposit accepting non-banking financial company (NBFC-ND). The Company is engaged in providing a range of banking and financial services, including retail banking, wholesale banking and treasury operations and other…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, reasonably priced.
AU Small Finance Bank is scored on the bank / lender framework. It keeps a healthy 12.2% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 33%/yr and profit at 23%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is an elite 22.2%. In the latest quarter profit grew 8% versus the prior quarter.
At 26× earnings, the stock sits at the 26th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price implies ~10%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 22.17 | 9.9 | worse |
| P/B | 3.25 | 1.39 | worse |
| ROE | 22.23 | 9.98 | better |
| ROA | 1.57 | 0.92 | better |
| NIM | 10.12 | 4.25 | better |
| Net NPA | 0.74 | 0.79 | better |
| CASA | 28 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 33% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (33% vs 23%) — costs are rising faster than the top line.
Operating margin has compressed from 20% to 16% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (23% vs 17%) — share dilution is eroding per-share value. 17% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Investing outflows exceed operating cash — the company relies on external funding to finance expansion. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Run-rate stepping up — recent quarters average 10% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 22.7% — widely held; sentiment-driven. MF holding up 2.2pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.