Bank - Private
₹ 31744.29642825 Cr.
₹ 1908.9403 Cr.
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The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.
The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.
Let’s look at how AU Small Fin. Bank is performing and if it is the right time to buy the stock of AU Small Fin. Bank with detailed analysis.
For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. AU Small Fin. Bank has earned Rs 4285.8843 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 49.6035502647049 % in last 3 Years.
In terms of advances, the bank reported 18.2906079947269 % YOY, rise . If you see 3 years advance growth, it stands at 60.3169606447827 %.
Currently the company has a CASA ratio of 14.4752967812154 %. It’s overall cost of liability stands at 6.512308782349 %. Also, the total deposits from these accounts stood at Rs 26163.9285 Cr.
The Bank has a healthy ROA track record. The ROA of AU Small Fin. Bank is at 1.80506031044179 %.
The Lender is efficiently managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.7 % and 0.81 % respectively as on the latest financial year.
One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 99.7468597275621 % which means it has increased from the previous year.
Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of AU Small Fin. Bank decreased and is currently at Rs 7.06092 Cr.
The company has a inadequate Capital Adequacy Ratio of 0 .
The best metric which provides insights about bank’s valuation is P/B ratio. Currently AU Small Fin. Bank is trading at a P/B of 5.31786919113994 . The historical average PB was 0.