Watch AU Small Finance Bank Limited for free: we tell you when fair value or trend changes.

AU Small Finance Bank Limited (AUBANK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of AU Small Finance Bank Limited stock ₹279, price ₹932, that is 70.0% below the price, quality 37 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear ₹238.24 to bull ₹406.96 Growth analysisrevenue history, year by year Quality 37/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services IN · ISIN INE949L01017

Broad data Nov 4, 2026

AU Small Finance Bank Limited

AUBANK · NSE

Very expensive, weak quality

Our calculation puts a fair price 70% below what the stock costs today.

Highly profitable · 26.2% net margin (TTM)

Broad data

Last quarter vs. a year ago: revenue +36%, profit +51%.

Mixed Growth (revenue 5y +27.7 %/yr in INR)

Wide moat 70/100 · thin data

Fair value ₹279.41 · Strongly overvalued (−70.0%)

Quality 37/100

Trails peers (3/14)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range ₹490.60 – ₹1,129 · fair‑value band ₹238.24 – ₹406.96 · the ₹931.80 price screens above the ₹279.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

AU Small Finance Bank Limited offers various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments.

Show moreShow less

It provides saving, salary, term, current, escrow, trade, fixed deposit overdraft, nodal and RERA, and fixed and recurring deposit accounts; foreign currency non-resident deposit; debit, credit, and prepaid cards; and safe deposit locker services.

The company also offers vehicle loans for cars, two-wheelers, tractors, and commercial vehicles, as well as construction equipment; personal, home, commercial property, gold, micro business, agriculture, working capital, and construction loans; and financial institutional lending services.

In addition, it provides life, health, general, fire, SME, and motor insurance; mutual funds, Atal pension scheme, and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services, as well as ATM services.

Further, the company offers digital banking services. Additionally, it provides government banking services to central government, state governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments.

The company operates through its bank branches, correspondents banking outlets, and business correspondents. It serves individuals, senior citizens, SMEs, NRIs, Gen Z digital natives, professionals, government institutions, corporate, partnerships, associations, and trusts.

The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was incorporated in 1996 and is headquartered in Jaipur, India.

Stock analysis

AU Small Finance Bank Limited (AUBANK) currently trades at ₹931.80, while our model-based Fair Value estimate is ₹279.41, 70% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of ₹399.88 per share, and 0 of the 6 models we run sit above the ₹931.80 price.

Bear case: the Asset-Based group reads lowest at ₹163.47, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: ₹238.24 (bear) to ₹406.96 (bull), the price of ₹931.80 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

AU Small Finance Bank Limited reported revenue of ₹216B in FY2026 versus ₹69.2B in FY2022, a compound +33.0%/yr. Reported net income was ₹26.4B in FY2026, compounding +23.7%/yr from FY2022.

Key figures

Market cap ₹695B (≈ $7.4B) Mid · P/E ratio 21.6 · P/S ratio 5.78 · EPS (TTM) ₹43.22 · Dividend yield 0.1% · Net margin 26.2% · Return on equity 15.7% · Return on assets (EBIT) 1.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −70%, AUBANK screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (₹12.66 to ₹458.17). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.

Bear ₹238.24 Fair Value ₹279.41 Bull ₹406.96

Price ₹931.80 · Downside -70.0%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹26.29 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income ₹238.24 ₹279.41 ₹406.96 75

Gordon GGM ₹7.70 ₹13.85 ₹19.02 68

DDM Multi-Stage ₹7.70 ₹12.66 ₹14.79 67

All 6 models by family

Dividend Discount

Gordon GGM ₹7.70 ₹13.85 ₹19.02 68

DDM Multi-Stage ₹7.70 ₹12.66 ₹14.79 67

Multiples

P/E Multiple ₹343.63 ₹458.17 ₹572.72 63

P/B Multiple ₹256.18 ₹341.58 ₹426.97 55

Asset-Based

NCAV (Graham) ₹121.99 ₹163.47 ₹243.98 54

Economic Profit

Residual Income ₹238.24 ₹279.41 ₹406.96 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29

How much profit the company makes from its sales and capital

Quality Growth 46

Are margins and returns getting better?

Cashflow 30

Do the profits arrive as real cash?

Financial strength 15

Debt, balance sheet and risk of trouble

Investment 30

Does it invest with discipline instead of growing at any price?

Low Volatility 80

How calm the share price moves, does not count

Price momentum 34

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 36

Distance to the 52-week high, does not count

New shares 59

Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 86/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

+16.2%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+32.7%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+27.7%

Start year 2021 (pandemic). Over 10 years: +35.6% a year

Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+35.9%

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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.

+14.1%

Earnings growth per share plus dividend.

Earnings per share, growth per year+14.0%

Dividend (yield on the price)0.1%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.14.7% vs 23.6%, slowing

Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 16%

2026 sits 55% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Pace: the 5-year rate starts in 2021 (pandemic)

AUBANK screens overvalued: fair value 70% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 3/14 measures

Overall it trails its industry peers.

Valuation

Quality Score 37 · Bottom 25%

Fair Value upside −70.0% · Bottom 25%

Profitability

Return on equity (12 months) 15.7% · Top 25%

Return on assets 1.4% · Top 25%

Net margin (12 months) 26.2% · Below median

Operating margin (12 months) 35.7% · Below median

Growth and dividend

Revenue growth (quarter YoY) 36.0% · Top 25%

Dividend yield (12 months) 0.1% · Bottom 25%

Balance sheet

Debt / equity 0.58× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 21.6× · Priciest 25%

P/B 3.48× · Priciest 25%

P/S (12 months) 5.78× · Priciest 25%

Price / free cash flow (fiscal year) 68.1× · Priciest 25%

EV/EBITDA 19.4× · Priciest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)100 · sector 47

PAST (return on equity)63 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)2 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs AUBANK
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs AUBANK
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs AUBANK
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs AUBANK
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs AUBANK
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs AUBANK
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs AUBANK
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs AUBANK
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs AUBANK
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs AUBANK

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Cite: Fair Value Calculator (2026). "AU Small Finance Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/AUBANK

Frequently asked questions

Is AU Small Finance Bank Limited (AUBANK) overvalued or undervalued?

As of Nov 4, 2026, our model estimates a fair value of ₹279.41 versus a price of ₹931.80, about 70% lower (overvalued).

What is the fair value of AUBANK?

Our model-based fair value for AU Small Finance Bank Limited is ₹279.41 (as of Nov 4, 2026), built from audited fundamentals. The current price: ₹931.80.

What is the quality score of AUBANK?

AU Small Finance Bank Limited has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for AU Small Finance Bank Limited (AUBANK)?

Our model-based price target is the fair value of ₹279.41 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario ₹238.24, optimistic scenario ₹406.96. It is a calculation from audited fundamentals, not an analyst target.

What is the AU Small Finance Bank Limited stock forecast for 2026?

Our models put fair value at ₹279.41, about 70% lower versus a price of ₹931.80 (overvalued). Cautious scenario ₹238.24, optimistic scenario ₹406.96. The calculation is refreshed regularly with new filings.

What is the revenue of AU Small Finance Bank Limited (AUBANK)?

AU Small Finance Bank Limited reported trailing-twelve-month revenue of about ₹120B (latest available figure, as of Nov 4, 2026).

Does AU Small Finance Bank Limited pay a dividend?

AU Small Finance Bank Limited currently shows a dividend yield of 0.11% relative to its recent price (as of Nov 4, 2026).

How much is the dividend of AU Small Finance Bank Limited (AUBANK)?

AU Small Finance Bank Limited has a dividend yield of 0.1%.

What is the intrinsic value of AU Small Finance Bank Limited (AUBANK)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AU Small Finance Bank Limited it is ₹279.41 per share (as of Nov 4, 2026), against a price of ₹931.80. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is AU Small Finance Bank Limited stock overvalued or undervalued in 2026?

As of Nov 4, 2026, AUBANK trades above its calculated fair value: price ₹931.80, fair value ₹279.41, a gap of about −70% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of AUBANK?

No. The price is what the market pays today (₹931.80); the fair value is what the company's own numbers justify (₹279.41). For AU Small Finance Bank Limited the two are ₹652.39 per share apart. That gap is exactly why we show both numbers side by side.

How much is AU Small Finance Bank Limited worth?

The market values AU Small Finance Bank Limited at about ₹695B (market capitalisation, as of Nov 4, 2026). Per share that is ₹931.80; our models calculate a fair value of ₹279.41 per share.

What do the bullish and bearish scenarios say about AUBANK?

Our models span a range for AU Small Finance Bank Limited: cautious scenario ₹238.24, base ₹279.41, optimistic ₹406.96 per share (as of Nov 4, 2026, price ₹931.80). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of AUBANK?

AU Small Finance Bank Limited trades at a price-to-earnings ratio of 21.6 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹279.41 is built from several models across several years. Other multiples: P/B 3.5, P/S 5.8, EV/EBITDA 19.4.

How solid is the balance sheet of AU Small Finance Bank Limited (AUBANK)?

Balance-sheet figures for AU Small Finance Bank Limited (as of Nov 4, 2026): return on equity 15.7%, debt of 0.58 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.

How far is AUBANK from its 52-week high?

AU Small Finance Bank Limited trades at ₹931.80, about 17% below its 52-week high of ₹1,129 and 11% above the low of ₹842.70 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ₹279.41 is for.

Which stocks are comparable to AU Small Finance Bank Limited?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is AU Small Finance Bank Limited stock attractive at the current price?

The data as of Nov 4, 2026: price ₹931.80, calculated fair value ₹279.41 (−70%), Quality Score 37/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of AUBANK calculated?

We run AU Small Finance Bank Limited through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹279.41 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. AU Small Finance Bank Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of AU Small Finance Bank Limited (AUBANK)?

The closing price on Nov 6, 2026 was ₹931.80. Our model-based fair value is ₹279.41, about 70% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with AU Small Finance Bank Limited right now?

The price sits above even our optimistic bull case (₹406.96). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of AU Small Finance Bank Limited (AUBANK) come from?

Earnings per share at AU Small Finance Bank Limited grew +18.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +32.1 %, EBIT margin −9.1 %, tax rate +0.9 %, residual (interest, one-offs) −2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of AU Small Finance Bank Limited

How large is the market capitalisation of AU Small Finance Bank Limited (AUBANK)?

The market capitalisation of AU Small Finance Bank Limited is ₹695B (≈ $7.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of AU Small Finance Bank Limited (AUBANK)?

The price-to-sales ratio of AU Small Finance Bank Limited is 5.78 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of AU Small Finance Bank Limited (AUBANK)?

Earnings per share at AU Small Finance Bank Limited are ₹43.22 (price ÷ EPS = P/E 21.6). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of AU Small Finance Bank Limited (AUBANK)?

The dividend yield of AU Small Finance Bank Limited is 0.1% (payout 2.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of AU Small Finance Bank Limited (AUBANK)?

The net margin of AU Small Finance Bank Limited is 26.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of AU Small Finance Bank Limited (AUBANK)?

The return on equity (ROE) of AU Small Finance Bank Limited is 15.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of AU Small Finance Bank Limited (AUBANK)?

On an EBIT basis the return on assets of AU Small Finance Bank Limited is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of AU Small Finance Bank Limited (AUBANK)?

The operating margin of AU Small Finance Bank Limited is 35.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at AU Small Finance Bank Limited (AUBANK)?

Revenue at AU Small Finance Bank Limited is growing +36.0% versus a year earlier (3y avg +32.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at AU Small Finance Bank Limited (AUBANK)?

Earnings per share at AU Small Finance Bank Limited are growing +51.1% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does AU Small Finance Bank Limited (AUBANK) generate?

The free cash flow of AU Small Finance Bank Limited is ₹10.2B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does AU Small Finance Bank Limited (AUBANK) carry?

The net debt of AU Small Finance Bank Limited is ₹53.5B (fiscal year 2026, ≈ 5.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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