AU Small Finance Bank Limited vs Bajaj Finance Limited

A side-by-side comparison of AU Small Finance Bank Limited (AUBANK) and Bajaj Finance Limited (BAJFINANCE) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

AU Small Finance Bank Limited vs Bajaj Finance Limited are evenly matched on the numbers (7–7). The breakdown below shows where each one wins.

  • Valuation31
  • Profitability13
  • Growth20
  • Size & financial health13
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

AUBANK takes 3/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

27.95
P/E ratio
32.09
4.05
P/B ratio
5.71
0.09%
Dividend yield
0.57%
₹35.40
EPS
₹30.60

Profitability

BAJFINANCE takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

13.22%
Return on equity
16.68%
16.45%
Return on capital
10.71%
34.06%
EBITDA margin
67.98%
14.17%
Net margin
23.58%

Growth

AUBANK takes 2/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

31.45%
Revenue CAGR (3Y)
25.58%
22.75%
Profit CAGR (3Y)
18.88%

Size & financial health

BAJFINANCE takes 3/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹74,295 Cr
Market cap
₹6.11L Cr
₹18,636 Cr
Revenue
₹81,982 Cr
₹2,641 Cr
Net profit
₹19,332 Cr
0.00
Debt / equity
3.22
AU Small Finance Bank Limited
  • + ["Company has delivered good profit growth of 17.7% CAGR over last 5 years", "Company has delivered good sales growth of 30.4% CAGR over last 5 years"]
  • − []
Bajaj Finance Limited
  • + ["Company has delivered good profit growth of 34.3% CAGR over last 5 years", "Company has delivered good sales growth of 25.2% CAGR over last 5 years"]
  • − ["Stock is trading at 5.36 times its book value"]
AU Small Finance Bank Limited full analysis Bajaj Finance Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.