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

₹ 594 0.49%
21 Nov - 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 ₹ 44,243 Cr.
  • Current Price ₹ 594
  • High / Low ₹ 813 / 554
  • Stock P/E 130
  • Book Value ₹
  • Dividend Yield 0.17 %
  • ROCE 12.4 %
  • ROE 22.3 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Earnings include an other income of Rs.612 Cr.
  • 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 BSE 400 MidSmallCap Index BSE Diversified Financials Revenue Growth Index (I BSE Private Banks Index Nifty Midcap150 Quality 50 Nifty 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Revenue
Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017
Revenue 667 813 1,206 1,429
Interest 317 334 492 531
201 227 339 422
Financing Profit 148 252 375 476
Financing Margin % 22% 31% 31% 33%
4 -4 8 612
Depreciation 4 8 10 6
Profit before tax 149 241 373 1,082
Tax % 32% 33% 34% 30%
101 163 247 762
EPS in Rs 11.65 18.49 27.95 13.40
Dividend Payout % 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 29%
TTM: 19%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 49%
TTM: 38%
Stock Price CAGR
10 Years: %
5 Years: 8%
3 Years: 0%
1 Year: -17%
Return on Equity
10 Years: %
5 Years: %
3 Years: 23%
Last Year: 22%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017
Equity Capital 43 44 44 284
Reserves 606 794 1,022 1,703
2,478 3,588 6,232 7,071
249 397 634 753
Total Liabilities 3,377 4,823 7,933 9,812
23 24 30 36
CWIP 0 0 0 240
Investments 65 65 89 2,150
3,289 4,733 7,813 7,386
Total Assets 3,377 4,823 7,933 9,812

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017
-665 -1,125 -1,719 884
593 3 39 -1,800
-148 1,153 1,958 1,022
Net Cash Flow -220 31 278 106

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017
ROE % 22% 26% 22%

Shareholding Pattern

Numbers in percentages

6 Recently
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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DRHP

Credit ratings

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