AU Small Finance Bank Limited

NSEI:AUBANK Stock Report

Market Cap: ₹400.0b

AU Small Finance Bank Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • 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 (₹537.6) is trading above our estimate of fair value (₹311.85)

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?

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 Ratio22x
Earnings₹18.20b
Market Cap₹400.05b

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 Average8.3x
BANDHANBNK Bandhan Bank
9.2x20.2%₹256.2b
CSBBANK CSB Bank
9.8xn/a₹54.2b
UJJIVANSFB Ujjivan Small Finance Bank
5.7x12.8%₹66.1b
MAHABANK Bank of Maharashtra
8.6xn/a₹421.0b
AUBANK AU Small Finance Bank
22x24.2%₹400.0b

Price-To-Earnings vs Peers: AUBANK is expensive based on its Price-To-Earnings Ratio (22x) compared to the peer average (8.3x).

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 22.0xIndustry Avg. 10.2xNo. of Companies7PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: AUBANK is expensive based on its Price-To-Earnings Ratio (22x) compared to the Indian Banks industry average (10.2x).

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 Ratio22x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: AUBANK is expensive based on its Price-To-Earnings Ratio (22x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).

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₹537.60
₹715.91
+33.2%
11.4%₹880.00₹590.00n/a23
Dec ’25₹583.35
₹720.70
+23.5%
11.2%₹880.00₹590.00n/a23
Nov ’25₹617.35
₹727.00
+17.8%
11.9%₹916.00₹590.00n/a23
Oct ’25₹732.70
₹719.27
-1.8%
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₹560.00₹583.3520
Nov ’24₹668.65
₹737.43
+10.3%
14.0%₹925.00₹560.00₹617.3521
Oct ’24₹713.50
₹765.05
+7.2%
13.8%₹925.00₹560.00₹732.7021
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

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 19:07
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

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 here.

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 .

Analyst Sources

AU Small Finance Bank Limited is covered by 37 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Abhinesh VijayarajAvendus Spark
Vijayaraghavan SwaminathanAvendus Spark
null nullAxis Capital Limited