AU Small Finance Bank Limited

NSEI:AUBANK Stock Report

Market Cap: ₹534.9b

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 Fair Value

  • Significantly Below Fair 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.

Below Fair Value: AUBANK (₹719.45) is trading above our estimate of fair value (₹294.9)

Significantly Below Fair Value: AUBANK is trading above our estimate of fair value.

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

AUBANK key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.3x

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 Average11.6x
BANDHANBNK Bandhan Bank
13x23.6%₹334.6b
CSBBANK CSB Bank
10.2xn/a₹56.1b
UJJIVANSFB Ujjivan Small Finance Bank
6.6x8.3%₹82.9b
CENTRALBK Central Bank of India
16.7xn/a₹521.2b
AUBANK AU Small Finance Bank
32.4x24.3%₹534.9b

Price-To-Earnings vs Peers: AUBANK is expensive based on its Price-To-Earnings Ratio (32.4x) compared to the peer average (11.6x).

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
Industry Avg.n/a9.0%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a9.0%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: AUBANK is expensive based on its Price-To-Earnings Ratio (32.4x) compared to the Indian Banks industry average (10.4x).

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 Ratio32.4x
Fair PE Ratio13.2x

Price-To-Earnings vs Fair Ratio: AUBANK is expensive based on its Price-To-Earnings Ratio (32.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.2x).

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₹719.45
₹709.55
-1.4%
11.0%₹876.00₹595.00n/a22
Sep ’25₹688.70
₹700.70
+1.7%
11.3%₹876.00₹595.00n/a20
Aug ’25₹644.75
₹700.70
+8.7%
11.3%₹876.00₹595.00n/a20
Jul ’25₹673.85
₹688.85
+2.2%
13.4%₹884.00₹530.00n/a20
Jun ’25₹653.10
₹688.85
+5.5%
13.4%₹884.00₹530.00n/a20
May ’25₹633.60
₹685.85
+8.2%
13.4%₹884.00₹530.00n/a20
Apr ’25₹589.35
₹697.26
+18.3%
16.4%₹1,010.00₹530.00n/a19
Mar ’25₹575.55
₹738.32
+28.3%
16.4%₹1,010.00₹560.00n/a19
Feb ’25₹634.95
₹739.90
+16.5%
15.9%₹1,010.00₹560.00n/a20
Jan ’25₹786.00
₹745.55
-5.1%
15.3%₹1,000.00₹560.00n/a20
Dec ’24₹742.45
₹743.05
+0.08%
15.2%₹1,000.00₹560.00n/a20
Nov ’24₹668.65
₹737.43
+10.3%
14.0%₹925.00₹560.00n/a21
Oct ’24₹713.50
₹765.05
+7.2%
13.8%₹925.00₹560.00n/a21
Sep ’24₹725.65
₹757.55
+4.4%
13.6%₹925.00₹560.00₹688.7020
Aug ’24₹721.65
₹753.30
+4.4%
13.5%₹925.00₹560.00₹644.7520
Jul ’24₹753.65
₹746.16
-1.0%
14.5%₹965.00₹550.00₹673.8519
Jun ’24₹769.75
₹727.00
-5.6%
12.7%₹910.00₹550.00₹653.1018
May ’24₹663.85
₹722.42
+8.8%
12.1%₹910.00₹550.00₹633.6019
Apr ’24₹579.20
₹699.11
+20.7%
12.9%₹874.00₹530.00₹589.3519
Mar ’24₹611.50
₹702.00
+14.8%
13.1%₹874.00₹530.00₹575.5519
Feb ’24₹611.85
₹702.90
+14.9%
12.8%₹874.00₹530.00₹634.9520
Jan ’24₹654.45
₹694.37
+6.1%
13.1%₹875.00₹530.00₹786.0019
Dec ’23₹639.20
₹687.79
+7.6%
13.3%₹875.00₹530.00₹742.4519
Nov ’23₹613.60
₹693.58
+13.0%
13.7%₹875.00₹530.00₹668.6519
Oct ’23₹619.20
₹686.53
+10.9%
14.5%₹875.00₹506.00₹713.5019
Sep ’23₹648.00
₹678.63
+4.7%
14.0%₹825.00₹506.00₹725.6519

Analyst Forecast: Target price is lower than the current share price.

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