AU Small Finance Bank Ltd

AU Small Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

AU Small Finance Bank Ltd

₹ 538 -2.02%
20 Dec - close price
aubank.in BSE: 540611 NSE: AUBANK
About

AU Small Finance Bank Limited is engaged in providing a range of banking and financial services including retail banking, wholesale banking, treasury operations and other services. [1]

Key Points

Business Segments
Personal Banking: It includes branch banking (Savings Account, Term Deposit, Bank Locker, Life & Health Insurance, General & Fire Insurance, Mutual Fund, and 3 in 1 Trading Account) and Loans & Advances (Vehicle Loan, Home Loan, Personal Loan, Gold Loan, and Credit Card).

Website BSE NSE
  • Market Cap ₹ 40,005 Cr.
  • Current Price ₹ 538
  • High / Low ₹ 813 / 534
  • Stock P/E 21.2
  • Book Value ₹ 188
  • Dividend Yield 0.19 %
  • ROCE 7.71 %
  • ROE 13.0 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company's median sales growth is 28.6% of last 10 years

Cons

  • Stock is trading at 2.86 times its book value
  • Company has low interest coverage ratio.
  • Dividend payout has been low at 3.47% of profits over last 3 years
  • Promoter holding has decreased over last 3 years: -5.49%

* 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.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of Nifty 500 Multicap 50:25:25 BSE Private Banks Index Nifty Midcap Select BSE MidCap Nifty Bank

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 1,405 1,496 1,667 1,820 1,992 2,118 2,275 2,458 2,531 2,736 2,830 3,769 3,911
Interest 652 676 730 844 909 965 1,062 1,212 1,282 1,411 1,492 1,848 1,936
557 694 859 779 875 925 1,016 1,048 1,122 1,276 1,361 1,761 1,854
Financing Profit 196 127 78 197 208 228 197 198 127 48 -24 160 121
Financing Margin % 14% 8% 5% 11% 10% 11% 9% 8% 5% 2% -1% 4% 3%
192 276 311 159 247 295 333 315 406 450 479 509 638
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 388 402 389 356 456 523 530 513 533 498 455 669 759
Tax % 28% 25% 11% 25% 25% 25% 20% 25% 25% 25% 18% 25% 25%
279 302 346 268 343 393 425 387 402 375 371 503 571
EPS in Rs 4.45 4.81 5.49 4.25 5.15 5.89 6.37 5.80 6.01 5.61 5.54 6.76 7.68
Gross NPA % 3.16% 2.60% 1.98% 1.96% 1.90% 1.81% 1.66% 1.76% 1.91% 1.98% 1.67% 1.78% 1.98%
Net NPA % 1.65% 1.29% 0.50% 0.56% 0.56% 0.51% 0.42% 0.55% 0.60% 0.68% 0.55% 0.63% 0.75%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 438 611 704 1,010 1,280 1,767 2,949 4,286 4,950 5,922 8,205 10,555 13,245
Interest 202 289 282 395 496 827 1,607 2,377 2,585 2,688 3,780 5,398 6,688
122 184 209 289 766 832 1,163 1,612 2,224 2,634 3,410 4,678 6,252
Financing Profit 114 137 212 326 18 109 180 296 142 601 1,016 479 305
Financing Margin % 26% 22% 30% 32% 1% 6% 6% 7% 3% 10% 12% 5% 2%
3 4 2 5 810 388 462 706 1,421 994 1,034 1,746 2,076
Depreciation 3 3 7 9 6 53 62 89 104 140 185 225 0
Profit before tax 114 138 208 323 822 443 580 914 1,458 1,454 1,865 1,999 2,381
Tax % 30% 33% 33% 34% 0% 34% 34% 26% 20% 22% 23% 23%
80 92 140 212 822 292 382 675 1,171 1,130 1,428 1,535 1,820
EPS in Rs 9.91 10.68 15.90 23.99 14.46 5.11 6.53 11.09 18.75 17.94 21.42 22.93 25.59
Dividend Payout % 0% 0% 0% 0% 0% 5% 6% 0% 0% 1% 5% 4%
Compounded Sales Growth
10 Years: 33%
5 Years: 29%
3 Years: 29%
TTM: 41%
Compounded Profit Growth
10 Years: 32%
5 Years: 32%
3 Years: 9%
TTM: 17%
Stock Price CAGR
10 Years: %
5 Years: 6%
3 Years: 2%
1 Year: -30%
Return on Equity
10 Years: 17%
5 Years: 16%
3 Years: 15%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 40 43 44 44 284 286 292 304 312 315 667 669
Reserves 425 598 767 965 1,703 1,995 2,871 4,073 5,963 7,199 10,311 11,890
2,482 2,130 2,878 4,783 7,120 15,562 28,036 36,499 43,009 58,575 75,664 92,661
192 242 346 502 674 989 1,424 1,267 2,307 2,988 3,575 4,205
Total Liabilities 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216 109,426
17 17 19 24 36 380 440 438 477 609 707 784
CWIP 0 0 0 0 240 6 7 10 5 14 33 67
Investments 739 114 140 232 2,150 3,051 7,162 10,668 10,815 15,306 20,072 27,133
2,384 2,883 3,877 6,038 7,355 15,396 25,014 31,027 40,294 53,149 69,404 81,441
Total Assets 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216 109,426

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-931 -570 -747 -1,938 -2,405 2,505 848 660 5,056 6,849 5,494 2,608
-676 611 -23 -33 552 -1,890 -2,305 -1,267 -990 -4,753 -4,320 -4,855
1,844 -266 782 1,964 2,448 521 1,436 2,237 -2,655 -948 2,323 -802
Net Cash Flow 237 -225 12 -7 596 1,136 -21 1,629 1,412 1,147 3,497 -3,049

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 20% 17% 19% 23% 55% 14% 14% 18% 22% 16% 15% 13%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
28.33% 28.23% 28.21% 25.59% 25.55% 25.54% 25.53% 25.48% 25.47% 25.45% 22.92% 22.91%
33.21% 34.31% 35.07% 38.55% 39.61% 39.74% 41.61% 41.64% 41.13% 39.37% 39.58% 40.71%
20.00% 18.79% 18.41% 21.28% 20.64% 20.62% 19.25% 19.56% 20.81% 22.77% 18.44% 20.13%
18.46% 18.67% 18.31% 14.58% 14.21% 14.09% 13.63% 13.31% 12.63% 12.40% 19.06% 16.23%
No. of Shareholders 1,42,8211,49,8841,77,4001,88,5071,79,0821,70,1091,63,5521,59,0371,55,6602,30,1721,95,7621,74,101

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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