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Consolidated Standalone

AU Small Fin. Bank

₹635.1 7.1 | 1.1%

Market Cap ₹47167 Cr.

Stock P/E 27.7

P/B 3.7

Current Price ₹635.1

Book Value ₹ 170.1

Face Value 10

52W High ₹813

Dividend Yield 0.16%

52W Low ₹ 554

Edit Ratio

AU Small Fin. Bank Research see more...

Overview Inc. Year: 1996Industry: Bank - Private

AU Small Finance Bank Ltd is an India-based organisation, which gives banking services. The Company offers on line banking devices, bills thru online, debit card service, bank lockers and service provider price offerings. It provides various varieties of debts which include savings account, current account, recurring deposit account, and fixed deposit account. The banking section affords loans and transaction offerings to corporates, rising corporates, public area units, government bodies, financial institutions, and medium scale organizations. The Company's offers unique forms of retail loans which incorporates car loan, home loan, personal loan and loan against vehicle.

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AU Small Fin. Bank Share Price

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Volume
Price

Quarterly Price

Quarterly Monthly
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Peer Comparison

AU Small Fin. Bank Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 1496 1667 1820 1992 2118 2275 2458 2531 2736 2830
Other Income 276 311 159 247 295 333 315 425 450 556
Total Income 1772 1978 1979 2240 2413 2608 2773 2957 3186 3385
Interest Expense 676 730 844 909 965 1062 1212 1282 1411 1492
Operating Expenditure 638 766 741 832 892 975 1015 1027 1117 1228
Provisions and contingencies 56 93 38 43 33 41 33 114 159 133
Operating Profit 402 389 356 456 523 530 513 533 498 532
Profit Before Tax 402 389 356 456 523 530 513 533 498 455
Provision for Tax 100 43 88 113 130 105 126 132 123 84
Profit After Tax 302 346 268 343 393 425 387 402 375 371
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 302 346 268 343 393 425 387 402 375 371
Adjusted Earnings Per Share 4.8 5.5 4.3 5.1 5.9 6.4 5.8 6 5.6 5.5

AU Small Fin. Bank Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 1280 1767 2949 4286 4950 5922 8205 10555
Other Income 810 388 462 706 1421 994 1034 1746
Total Income 2090 2155 3411 4992 6371 6915 9240 12301
Interest Expense 496 827 1607 2377 2585 2688 3780 5397
Operating Expenditure 353 753 1083 1418 1658 2413 3440 4387
Provisions and contingencies 97 133 142 283 669 361 155 439
Operating Profit 1143 443 580 914 1459 1454 1865 2076
Profit Before Tax 1143 443 580 914 1459 1454 1865 1999
Provision for Tax 321 151 198 239 288 324 437 465
Profit After Tax 822 292 382 675 1171 1130 1428 1535
Adjustments 0 0 0 0 0 0 0 0
Profit After Adjustments 822 292 382 675 1171 1130 1428 1535
Adjusted Earnings Per Share 14.5 5.1 6.5 11.1 18.7 17.9 21.4 22.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 39% 24% 36% 0%
Operating Profit CAGR 28% 27% 33% 0%
PAT CAGR 26% 28% 37% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -8% 10% 15% NA%
ROE Average 16% 18% 18% 20%
ROCE Average 15% 15% 14% 14%

AU Small Fin. Bank Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 1988 2281 3163 4377 6275 7514 10977
Minority's Interest 0 0 0 0 0 0 0
Deposits 0 7923 19422 26164 35979 52585 69365
Borrowings 7120 7639 8613 10335 7030 5991 6299
Other Liabilities & Provisions 674 989 1424 1267 2307 2988 3575
Total Liabilities 9781 18833 32623 42143 51591 69078 90216
Cash and balance with RBI 13 492 811 1050 1569 5753 8916
Bank Balance 612 1269 929 2320 3212 175 509
Investments 2150 3051 7162 10668 10815 15307 20072
Advances 6551 13312 22819 26992 34609 46095 58422
Fixed Assets 36 380 440 438 477 609 707
Other Assets 179 323 455 665 903 1125 1557
Total Assets 9781 18833 32623 42143 51591 69078 90216

AU Small Fin. Bank Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 29 625 1761 1740 3370 4781 5929
Cash Flow from Operating Activities -2405 2505 848 660 5056 6849 5494
Cash Flow from Investing Activities 552 -1890 -2305 -1267 -990 -4753 -4320
Cash Flow from Financing Activities 2448 521 1436 2237 -2655 -948 2323
Net Cash Inflow / Outflow 596 1136 -21 1629 1412 1147 3497
Closing Cash & Cash Equivalent 625 1761 1740 3370 4781 5929 9425

AU Small Fin. Bank Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 14.46 5.11 6.53 11.09 18.75 17.94 21.42
CEPS(Rs) 14.56 6.04 7.59 12.55 20.42 20.17 24.2
DPS(Rs) 0 0.5 0.75 0 0 1 1
Book NAV/Share(Rs) 34.85 39.62 50.37 71.1 98.84 118.65 163.98
Yield on Advances 19.54 13.28 12.92 15.88 14.3 12.85 14.05
Yield on Investments 31.84 5.46 4.97 7.37 15.05 6.03 5.71
Cost of Liabilities 6.97 5.31 5.73 6.51 6.01 4.59 5
NIM (Net Interest Margin) 8.4 5.19 4.23 4.65 4.71 4.8 5.03
Interest Spread 12.57 7.96 7.19 9.37 8.29 8.26 9.05
ROA(%) 8.4 2.04 1.48 1.81 2.5 1.87 1.79
ROE(%) 41.48 13.76 14.66 18.56 22.31 16.56 15.52
ROCE(%) 18 11.71 11.87 12.73 15.6 14.01 14.98
PER(x) 0 60.45 45.43 22.93 32.7 34.72 27.03
Price/Book(x) 0 7.8 5.89 3.58 6.2 5.25 3.53
Dividend Yield(%) 0 0.08 0.13 0 0 0.08 0.17
EV/Net Sales(x) 5.78 14.31 8.8 6.02 9.15 7.64 5.47
EV/Core EBITDA(x) 5.97 43.92 35.96 21.56 21.3 24.92 22.23
Interest Earned Growth(%) 0 38.06 66.88 45.33 15.5 19.63 38.56
Net Profit Growth 0 -64.47 30.74 76.73 73.49 -3.49 26.38
Advances Growth 0 103.21 71.41 18.29 28.22 33.19 26.74
EPS Growth(%) 0 -64.65 27.76 69.9 68.99 -4.31 19.38
Loans/Deposits(x) 0 96.41 44.35 39.5 19.54 11.39 9.08
Cash/Deposits(x) 0 0.06 0.04 0.04 0.04 0.11 0.13
Current Ratio(x) 0 0.39 0.37 0.41 0.3 0.29 0.29
Quick Ratio(x) 0 96.41 44.35 39.5 19.54 11.39 9.08
CASA % 0 26.93 18.48 14.48 23 37.29 38.43

AU Small Fin. Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 28.33 28.23 28.21 25.58 25.55 25.54 25.53 25.49 25.46 25.45
FII 33.21 34.31 34.81 38.51 39.58 39.7 41.58 41.61 41.09 39.36
DII 20 18.78 18.66 21.33 20.67 20.66 19.28 19.59 20.83 22.79
Public 18.46 18.67 18.32 14.57 14.2 14.09 13.61 13.31 12.61 12.4
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 37% CAGR over last 5 years

Cons

  • Promoter holding is low: 25.45%.
  • Stock is trading at 3.7 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

AU Small Fin. Bank News

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