AU Small Finance Bank Limited
Financial trend (100/100) does the heavy lifting; valuation (12/100) is the drag.
ExpensiveOvervaluedStocksWizard rates AU Small Finance Bank Limited a Hold, scoring 45/100 on our blended model. At ₹1,047.3 it trades above our blended DCF and relative-multiples fair value of ₹523.65, about 50% downside to that estimate — we read it as overvalued by 50%. On 30.5x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹1,071.06. Financial health scores 83/100, with a Piotroski F-score of 3/9. The average analyst target of ₹1,091.58 implies about 4% upside across 26 analysts. It clears 6 of 9 investability checks, with durability 94, valuation 23 and momentum 77 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹418.92.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-2.22% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 37%
- Pass: Earnings growing: 63%
- Pass: Net margin ≥ 10%: 21.4%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter31.3%
- Institutions50.7%
- Public & other18.0%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (21.4%).
- Trading near its 52-week high.
Opportunities
- Earnings growing (63% YoY).
- Revenue growing (37% YoY).
Bear case
Weaknesses
- Weak Piotroski score (3/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About AU Small Finance Bank Limited
AU Small Finance Bank Limited provides banking and financial services in India through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. Its offerings include deposit accounts in various categories, debit and credit cards, prepaid cards, foreign currency non-resident deposits, and safe deposit locker services.
AU Small Finance Bank Limited — frequently asked questions
Is AU Small Finance Bank Limited a buy, hold or sell?
StocksWizard currently rates AU Small Finance Bank Limited (AUBANK) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is AU Small Finance Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates AU Small Finance Bank Limited's fair value at about ₹523.65, versus a current price of ₹1,047.3 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is AU Small Finance Bank Limited financially healthy?
AU Small Finance Bank Limited scores 83/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has AU Small Finance Bank Limited's share price performed?
AU Small Finance Bank Limited is up 4% over three months, and last traded at ₹1,047.3. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.