AUBANK
Au Small Finance Bank Limited
Each stock's 10,000-path forecast, rendered as light.
Au Small Finance Bank Limited (AUBANK) Stock Analysis & Case Study
Is AUBANK a good buy? The data-driven verdict.
Au Small Finance Bank Limited (AUBANK) trades at ₹1,067,on the numbers it mixed signals, a Downstox Snapshot Score of 48/100.
On the numbers, Au Small Finance Bank Limited (AUBANK) mixed signals, a Downstox Snapshot Score of 48/100, weighing expensive at 235.0× earnings, ROE of 22.3%, a 59% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
AUBANK fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How AUBANK ranks against the 2,373 companies in our screener
- AUBANK's market cap of 79,981 Cr ranks in the 94th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- AUBANK's book value of ₹0 ranks in the bottom 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- AUBANK's promoter holding of 22.7% ranks in the bottom 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- AUBANK's 3-year profit (PAT) growth of 49.0% ranks in the 83rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- AUBANK's 3-year revenue growth of 29.0% ranks in the 84th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for AUBANK, as of 9 Aug 2026, so it is not ranked here.
Is AUBANK overvalued? AUBANK P/E vs peers
AUBANK trades at 235.0× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
AUBANK share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 8.9y of AUBANK history (15%/yr drift, 31%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| AUBANK 2027 | ₹779 | ₹1,145 | ₹1,683 | +7% |
| AUBANK 2028 | ₹709 | ₹1,229 | ₹2,131 | +15% |
| AUBANK 2029 | ₹675 | ₹1,319 | ₹2,575 | +24% |
| AUBANK 2030 | ₹658 | ₹1,415 | ₹3,044 | +33% |
| AUBANK 2031 | ₹638 | ₹1,518 | ₹3,616 | +42% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability AUBANK goes up, or doubles?
The bull case for AUBANK
- AUBANK's return on equity of 22.3% ranks in the 87th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹2,575.
The bear case & risks
- AUBANK's P/E of 235.0x is lower than 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- A steep 11855.6× price-to-book means most of the value is intangible/expectations, not assets on the books.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹675.
AUBANK volatility & expected range, how bumpy is the ride?
Over the last 8.9 years AUBANK compounded at 15%/year with annualized volatility of 31%. That volatility implies a 1-year 80% range of ₹779-₹1,683, the honest backbone behind any single price target.
AUBANK price forecast, the full 60-month probability fan
AUBANK price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds AUBANK hits common targets within the simulated horizon?
Full multi-horizon detail on the AUBANK price target & forecast page.
AUBANK Piotroski F-Score: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. AUBANK scores 6/8, mixed financial health.
AUBANK MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy AUBANK with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 26.30% | 3.8× |
| Zerodha | 25.40% | 3.9× |
| Groww | 25.38% | 3.9× |
| Dhan | 24.00% | 4.2× |
| Kotak Neo | 25.00% | 4.0× |
| Paytm MoneyCHEAPEST | 22.91% | 4.4× |
| Pocketful | 29.72% | 3.4× |
| Anand Rathi | 29.80% | 3.4× |
| Bajaj Broking | 24.00% | 4.2× |
| Share India | 29.79% | 3.4× |
Compare every broker on the AUBANK MTF page.
About Au Small Finance Bank Limited: sector, index & market-cap context
Au Small Finance Bank Limited (AUBANK) is a mid-cap NSE-listed company, and a constituent of the Nifty 500 index, with a market capitalisation of ₹79,981 Cr. See more stocks on our screener.
How the AUBANK Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Au Small Finance Bank Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
AUBANK analysis, FAQs
Is Au Small Finance Bank Limited (AUBANK) a good buy?
On the numbers, Au Small Finance Bank Limited (AUBANK) mixed signals, a Downstox Snapshot Score of 48/100, weighing expensive at 235.0× earnings, ROE of 22.3%, a 59% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is AUBANK overvalued or undervalued?
AUBANK trades at 235.0× earnings, expensive versus the ~22× long-run Nifty average.
What is the AUBANK share price target for 2031?
AUBANK's probability-weighted 2031 median target is ₹1,518, with an 80% range of ₹638-₹3,616 (10,000-path Monte-Carlo).
What is the probability AUBANK doubles in 5 years?
The modelled probability of AUBANK reaching ₹2,134 (2×) within 5 years is 31%.
What is the bull case for AUBANK?
AUBANK's return on equity of 22.3% ranks in the 87th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in AUBANK?
AUBANK's P/E of 235.0x is lower than 4% of the 2,373 NSE companies in our screener, as of 9 Aug 2026. A steep 11855.6× price-to-book means most of the value is intangible/expectations, not assets on the books.