AU Small Finance Bank Limited

NSEI:AUBANK Stock Report

Market Cap: ₹818.1b

AU Small Finance Bank Valuation

Is AUBANK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of AUBANK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: AUBANK (₹1091.4) is trading above our estimate of future cash flow value (₹571.16)

Significantly Below Future Cash Flow Value: AUBANK is trading above our estimate of future cash flow value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for AUBANK?

Key metric: As AUBANK is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for AUBANK. This is calculated by dividing AUBANK's market cap by their current earnings.
What is AUBANK's PE Ratio?
PE Ratio28.6x
Earnings₹28.56b
Market Cap₹818.10b

Price to Earnings Ratio vs Peers

How does AUBANK's PE Ratio compare to its peers?

The above table shows the PE ratio for AUBANK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16x
BANDHANBNK Bandhan Bank
21x34.45%₹283.5b
UJJIVANSFB Ujjivan Small Finance Bank
15.5x22.56%₹140.7b
CSBBANK CSB Bank
8.3x18.41%₹55.4b
YESBANK Yes Bank
19.1x23.17%₹721.3b
AUBANK AU Small Finance Bank
28.6x21.60%₹818.1b

Price-To-Earnings vs Peers: AUBANK is expensive based on its Price-To-Earnings Ratio (28.6x) compared to the peer average (16x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does AUBANK's PE Ratio compare vs other companies in the IN Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No more companies available in this PE range
AUBANK 28.6xIndustry Avg. 11.4xNo. of Companies9PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: AUBANK is expensive based on its Price-To-Earnings Ratio (28.6x) compared to the Indian Banks industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

What is AUBANK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

AUBANK PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio28.6x
Fair PE Ratio14.6x

Price-To-Earnings vs Fair Ratio: AUBANK is expensive based on its Price-To-Earnings Ratio (28.6x) compared to the estimated Fair Price-To-Earnings Ratio (14.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst AUBANK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹1,091.40
₹1,109.36
+1.65%
13.35%₹1,275.00₹800.00n/a28
Aug ’27₹1,047.30
₹1,109.36
+5.93%
13.35%₹1,275.00₹800.00n/a28
Jul ’27₹1,051.40
₹1,093.00
+3.96%
13.75%₹1,275.00₹775.00n/a28
Jun ’27₹969.15
₹1,091.31
+12.60%
13.57%₹1,275.00₹775.00n/a26
May ’27₹1,015.95
₹1,085.72
+6.87%
13.66%₹1,275.00₹775.00n/a25
Apr ’27₹874.90
₹1,039.64
+18.83%
14.68%₹1,250.00₹775.00n/a25
Mar ’27₹958.35
₹1,040.24
+8.54%
14.63%₹1,250.00₹775.00n/a25
Feb ’27₹979.60
₹1,033.50
+5.50%
14.91%₹1,250.00₹740.00n/a26
Jan ’27₹999.45
₹913.88
-8.56%
16.18%₹1,175.00₹650.00n/a26
Dec ’26₹950.50
₹897.64
-5.56%
15.68%₹1,175.00₹650.00n/a25
Nov ’26₹877.85
₹862.17
-1.79%
14.38%₹1,175.00₹650.00n/a24
Oct ’26₹724.55
₹787.52
+8.69%
14.29%₹1,000.00₹610.00n/a23
Sep ’26₹721.55
₹780.30
+8.14%
13.54%₹930.00₹610.00n/a23
Aug ’26₹741.05
₹785.67
+6.02%
13.94%₹979.00₹610.00₹1,047.3024
Jul ’26₹838.35
₹730.63
-12.85%
15.82%₹950.00₹525.00₹1,051.4024
Jun ’26₹693.05
₹679.83
-1.91%
14.56%₹831.00₹471.00₹969.1524
May ’26₹678.60
₹672.75
-0.86%
14.29%₹831.00₹471.00₹1,015.9524
Apr ’26₹529.90
₹664.09
+25.32%
13.01%₹880.00₹500.00₹874.9023
Mar ’26₹565.70
₹667.00
+17.91%
13.53%₹880.00₹500.00₹958.3523
Feb ’26₹601.05
₹663.96
+10.47%
13.37%₹880.00₹500.00₹979.6023
Jan ’26₹568.55
₹710.09
+24.89%
11.64%₹880.00₹590.00₹999.4523
Dec ’25₹583.35
₹720.70
+23.54%
11.18%₹880.00₹590.00₹950.5023
Nov ’25₹617.35
₹727.00
+17.76%
11.87%₹916.00₹590.00₹877.8523
Oct ’25₹732.70
₹719.27
-1.83%
10.95%₹876.00₹595.00₹724.5522
Sep ’25₹688.70
₹700.70
+1.74%
11.30%₹876.00₹595.00₹721.5520
Aug ’25₹644.75
₹700.70
+8.68%
11.30%₹876.00₹595.00₹741.0520
₹1.11k
Fair Value
1.6% undervalued intrinsic discount
28
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/08/12 16:51
End of Day Share Price 2026/08/12 00:00
Earnings2026/06/30
Annual Earnings2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

AU Small Finance Bank Limited is covered by 54 analysts. 27 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jignesh ShialAmbit Capital
Ashwin MehtaAmbit Capital
null nullAsian Markets Securities Private Limited