AU SMALL FINANCE BANK LTD Fair Value
AUBANK · Financial Services · Current price ₹1,080
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹274 | 13% ROE fading to 13% over ~10 yrs, on ₹264 book |
| Relative P/E | ₹411 | EPS × 11.7 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹1,100 | Street consensus 12-month target price |
Is AU SMALL FINANCE BANK LTD undervalued?
DocStoX estimates the fair value of AU SMALL FINANCE BANK LTD at ₹449 per share, versus the current market price of ₹1,080. That puts the stock about -58.4% above our fair-value estimate, which we read as "Avoid". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹274), Relative P/E (₹411), Analyst target (₹1,100). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹274 (bear) to ₹449 (base) to ₹1,100 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on AU SMALL FINANCE BANK LTD
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.