The historical rank and industry rank for AU Small Finance Bank's Net Margin % or its related term are showing as below:
BOM:540611'
s Net Margin % Range Over the Past 10 Years
Min: 19.98 Med: 24.09 Max: 51.58
Current: 21.85
BOM:540611's Net Margin % is ranked worse than 66.14% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs BOM:540611: 21.85
AU Small Finance Bank (BOM:540611) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AU Small Finance Bank Net Margin % Related Terms
AU Small Finance Bank Net Margin % Historical Data
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The historical data trend for AU Small Finance Bank's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AU Small Finance Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, AU Small Finance Bank's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AU Small Finance Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AU Small Finance Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where AU Small Finance Bank's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AU Small Finance Bank (BOM:540611) has a Net Margin % of 25.11% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AU Small Finance Bank and its competitors. This is near median its historical median of 24.09. Over the past decade, AU Small Finance Bank's Net Margin % has ranged from 19.98 to 51.58. According to the industry distribution chart, AU Small Finance Bank ranks #1012 out of 1530 companies in the Banks industry, placing it in the top 66.1%.
Is AU Small Finance Bank's Net Margin % too high?
AU Small Finance Bank's current Net Margin % of 25.11% is near median its 10-year median of 24.09. Over the past 10 years, this metric has ranged from a low of 19.98 to a high of 51.58. The Banks industry median Net Margin % is 26.85. AU Small Finance Bank's value of 25.11% is 6.5% below this industry median. Based on the distribution chart, AU Small Finance Bank ranks #1012 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, AU Small Finance Bank has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AU Small Finance Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, AU Small Finance Bank ranks #1012 out of 1530 companies for Net Margin %. This places AU Small Finance Bank in the lower half of its industry. The industry median Net Margin % is 26.85. AU Small Finance Bank's value of 25.11% is 6.5% below this benchmark. Historically, AU Small Finance Bank's own Net Margin % has ranged from 19.98 to 51.58 over the past decade. While the company's 10-year median is 24.09 vs. the industry median of 26.85, AU Small Finance Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AU Small Finance Bank's current Net Margin % of 25.11% is 6.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AU Small Finance Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AU Small Finance Bank's current Net Margin % is 25.11%, which is near median its own 10-year median of 24.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AU Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, AU Small Finance Bank (BOM:540611) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,049.10, compared to a current price of ₹1,037.30 — trading 1.1% below its estimated fair value. The current Net Margin % is 25.11%, which is near median its 10-year median of 24.09 and 6.5% below the Banks industry median of 26.85. AU Small Finance Bank's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AU Small Finance Bank (BOM:540611), the current Net Margin % is 25.11% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AU Small Finance Bank (BOM:540611) Overvalued in 2026?
Based on GuruFocus' analysis, AU Small Finance Bank stock appears to be undervalued.
The current stock price of ₹1,037.30 is trading 1.1% below its estimated GF Value™ of ₹1,049.10.
GuruFocus considers AU Small Finance Bank to be Fairly Valued.
Key valuation signals for BOM:540611:
Net Margin %: 25.11% (near median its 10-year median of 24.09)
GF Value™: ₹1,049.10 vs. price of ₹1,037.30 (1.1% below fair value)
Industry Position: 6.5% below the Banks median (#1012 of 1530)
No single metric tells the full story. See the BOM:540611 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AU Small Finance Bank Ltd is engaged in the activities of providing financial services such as personal banking, insurance, retail loans and wholesale banking. The company operates in the business segment namely, Treasury; Retail banking; Wholesale banking; and Other banking operations. It generates maximum revenue from Retail banking segment. The retail banking segment serves retail customers through a branch network and other delivery channels. Revenues of the retail banking segment are derived from interest earned on retail loans, fees from services rendered, and others. Geographically, it operates only in India.
82GF Score
Get the complete analysis for BOM:540611
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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