AU Small Finance Bank Ltd.

NSE: AUBANK BSE: 540611 SECTOR: Bank - Private  74k   489   67

1256.70
+2.65 (0.21%)
NSE: 21 Jan 03:57 PM

Price Summary

Today's High

₹ 1270.65

Today's Low

₹ 1230.2

52 Week High

₹ 1389.85

52 Week Low

₹ 842.5

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

39436.02 Cr.

CASA %

23

No. of Shares

31.38 Cr.

P/E

34.91

P/B

5.88

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  213.68

Net Interest Income

2365.44 Cr.

Cost To Income %

43.45

Promoter Holding

28.33 %

EPS (TTM)

₹  36

CAR %

23.37

ROE

22.31 %

ROCE

15.6%

Profit Growth

73.49 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 28 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year22.31%
3 Year18.51%
5 Year22.15%

ROA%

1 Year2.5%
3 Year1.93%
5 Year3.25%

Net NPA%

1 Year2.2%
3 Year1.43%
5 Year1.36%

 NIM

1 Year4.71%
3 Year4.53%
5 Year5.44%

CAR %

23.37

Cost of Liabilities %

6.00946105481029

PEG Ratio

0.51

Advances Growth %

28.2171813345759

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2021 28.33 0
Sep 2021 28.39 0
Jun 2021 28.41 0
Mar 2021 28.47 0
Dec 2020 28.98 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.92898740864084% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 18.5101949943512%.
  • The company has been consistently maintaining a NIM of 4.5322017973853% since last 3 years.
  • Other Income is 29.3238686506595% of total income.
  • Good Capital Adequacy Ratio of 23.37%.
  • The company has delivered good Profit growth of 58.8544505724489% over the past 3 years.
  • The company has delivered good Income growth of 40.9637164144083% over the past 3 years.
  • Strong Advances growth of 37.5034095437897% in the last 3 years.

 Limitations

  • Net NPA has increased by 1.39% YoY
  • Low CASA Ratio of 23.0005520783384%.
  • Increase in Provision and contingencies of 147.196444341494% on YoY.
  • The company is trading 6.20294166310075 times of its Book Value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 1212.45 1261.11 1292.37 1353.49 1404.75
Other Income 261 663.41 276.65 184.19 190.9
Interest Expended 651.82 627.99 636.54 629.48 651.62
Operating Expenses 380.02 423.69 558.66 456.95 552.58
Total Provisions 32.71 283.62 177.78 176.59 3.6
Profit Before Tax 408.91 589.23 196.03 274.66 387.84
Tax 87.03 110.21 27.06 71.46 109.33
Net Profit 321.88 479.02 168.98 203.2 278.51
Net NPA % 0.45 0.24 2.18 2.26 1.65
Gross NPA % 1.54 0.99 4.25 4.31 3.16
Return on Assets % 0.73 1.06 0.34 0.39 0.53
NPM % 26.55 37.98 13.08 15.01 19.83

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 1280 1767.19 2949.13 4285.88 4950.05
Other Income 809.96 388.06 461.91 706.09 1451.55
Interest Expended 496.31 826.73 1606.53 2376.94 2584.61
Operating Expenses 352.83 752.61 1082.61 1417.86 1658.43
Total Provisions 97.47 132.56 141.78 283.2 700.06
Profit Before Tax 1143.35 443.35 580.13 913.97 1458.5
Taxes 321.37 151.31 198.32 239.19 287.82
Net Profit 821.98 292.04 381.81 674.78 1170.68
Adjusted EPS (Rs.) 28.92 10.22 13.06 22.19 37.5

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 284.25 285.7 292.36 304.12 312.21
Total Reserves 1697.19 1977.98 2652.59 4020.56 5859.89
Deposits 0 7923.32 19422.44 26163.93 35979.31
Borrowings 7119.89 7638.86 8613.36 10335.32 7029.7
Other Liabilities 673.75 989.41 1424.11 1267.01 2307.08
Total Liabilities 9781.22 18832.77 32622.8 42143.07 51591.31
Assets
Balance with RBI 13.43 492.12 811.14 1049.64 1569.35
Balance with Banks 611.53 1269.1 929.05 2320.04 3211.99
Investments 2150.31 3050.59 7161.67 10668.22 10815.41
Advances 6550.94 13312.13 22818.73 26992.42 34608.91
Net Block 35.98 380.38 439.68 438.26 477.37
Other Assets 179.17 322.74 455.17 664.76 903.27
Total Assets 9781.22 18832.77 32622.8 42143.07 51591.31
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Promoters 28.98 28.47 28.41 28.39 28.33
sanjay agarwal 18.51 18.18 18.14 18.13 18.09
shakuntala agarwal 3.85 3.79 3.78 3.78 3.77
jyoti agarwal 3.85 3.79 3.78 3.77 3.77
mys holdings priva... 2.17 2.13 2.13 2.13 2.12
chiranji lal agarw... 0.60 0.59 0.58 0.58 0.58
PARTICULARS Dec 2020% Mar 2021% Jun 2021% Sep 2021% Dec 2021%
Investors 71.02 71.53 71.59 71.61 71.67
redwood investment... - - - - -
camas investments ... 4.70 4.63 4.61 4.61 4.60
kotak flexicap fund - 4.07 4.45 4.47 4.56
kotak standard mul... 3.75 - - - -
westbridge aif i 3.89 3.76 3.76 3.76 3.65
smallcap world fun... 2.60 3.45 3.49 3.79 3.78
ourea holdings lim... - - - - -
nomura india inves... 2.78 2.87 2.78 2.72 2.72
motilal oswal mult... 2.51 2.19 - - -
amansa holdings pr... 1.66 1.55 1.47 1.47 1.46
nippon life india ... 1.12 1.10 1.55 2.00 2.25
hdfc life insuranc... 1.84 2.22 2.24 2.15 2.15
motilal oswal flex... - - 2.21 2.00 1.56
new world fund inc 1.08 1.06 1.28 1.70 2.01
uttam tibrewal 1.76 1.57 1.75 1.75 1.74
uti flexi cap fund - 1.76 1.65 1.57 1.62
sbi life insurance... - 1.21 1.23 - -
steadview capital... 1.58 - - - -
uti - equity fund 1.57 - - - -
kotak funds - indi... 1.04 - - - -
government of sing... - 1.20 - - -
reliance capital t... - - - - -
morgan stanley inv... - - - 1.09 1.13
motilal oswal fina... 1.07 1.09 1.05 1.05 1.05
vistra itcl i ltd ... 1.02 - - - -
llp - - 0.43 0.35 0.35
non resident india... - 0.28 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ2FY22 9 Nov 2021
  • PresentationQ1FY20 9 Jan 2020
  • PresentationQ1FY22 9 Aug 2021
  • PresentationQ4FY21 30 Apr 2021
  • PresentationQ2FY21 29 Oct 2020
  • PresentationQ3FY21 29 Jan 2021
  • PresentationQ1FY21 24 Jul 2020
  • PresentationQ4FY20 10 Oct 2020

Company News

AU Small Finance Bank’s total deposits up 49% in Q3FY224 Jan 2022, 5:30PM AU Small Finance Bank’s total deposits up 45% in Q2FY227 Oct 2021, 3:56PM AU Small Finance Bank issues over 40,000 credit cards since launch21 Sep 2021, 10:32AM AU Small Finance Bank informs about analyst meet14 Sep 2021, 11:49AM AU Small Finance Bank gets shareholders' nod for raising Rs 14,500 crore 19 Aug 2021, 9:34AM Au Small Finance Bank anticipating credit demand to pick in coming quarters12 Aug 2021, 12:40PM AU Small Finance Bank informs about annual report24 Jul 2021, 11:03AM AU Small Finance Bank‘s total deposits stand at Rs 37,014 crore in Q1FY227 Jul 2021, 4:24PM AU Small Finance Bank informs about investor call11 Jun 2021, 12:32PM AU Small Finance Bank informs about investor group conference5 Jun 2021, 11:25AM AU Small Finance Bank informs about investor calls 19 May 2021, 10:35AM AU Small Finance Bank informs about investor callls15 May 2021, 12:38PM AU Small Finance Bank informs about clarification3 May 2021, 12:15PM AU Small Finance Bank reports 38% rise in Q4 net profit30 Apr 2021, 5:10PM AU Small Finance Bank informs about rescheduling of conference call24 Apr 2021, 11:44AM AU Small Finance Bank raises Rs 625.5 crore16 Mar 2021, 9:04AM AU Small Finance Bank terminates agreement with Acko General Insurance11 Feb 2021, 10:50AM AU Small Finance Bank forays into Odisha with branch launch in Bhubaneswar22 Jan 2021, 9:27AM AU Small Finance Bank enters into partnership with ICICI Prudential Life Insurance29 Dec 2020, 9:05AM AU Small Finance Bank launches new Mobile Banking App, NetBanking Portal24 Dec 2020, 9:54AM CRISIL assigns rating to AU Small Finance Bank’s Fixed Deposit Programme4 Dec 2020, 11:55AM AU Small Finance Bank makes strategic investment of Rs 7.70 crore in NPCI27 Nov 2020, 9:03AM AU Small Finance Bank sells 4.46% stakes in Aavas Financiers 24 Nov 2020, 10:30AM AU Small Finance Bank starts operations in eastern India13 Nov 2020, 9:30AM AU Small Finance Bank enters into agreement with Care Health Insurance Company4 Nov 2020, 9:18AM AU Small Finance Bank reports 87% rise in Q229 Oct 2020, 3:15PM AU Small Finance Bank experiencing 23% increase in per day debit card spends27 Oct 2020, 9:59AM AU Small Finance Bank commences operations in Bangaluru7 Aug 2020, 8:55AM AU Small Finance Bank reports 6% rise in Q1 24 Jul 2020, 10:39AM Au Small Finance Bank informs about compliance certificate29 Apr 2020, 10:24AM

AU Small Fin. Bank Stock Price Analysis and Quick Research Report. Is AU Small Fin. Bank an attractive stock to invest in?

 

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 4950.0515 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 40.9637164144083 % in last 3 Years.

  • In terms of advances, the bank reported 28.2171813345759 % YOY,  rise . If you see 3 years advance growth, it stands at 37.5034095437897 %.

  • Currently the company has a CASA ratio of 23.0005520783384 %. It’s overall cost of liability stands at 6.00946105481029 %. Also, the total deposits from these accounts stood at Rs 35979.3142 Cr.

  • The Bank has a healthy ROA track record. The ROA of AU Small Fin. Bank is at 2.49787674216673 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.3 % and 2.2 % 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 147.196444341494 % 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 surged and is currently at Rs 1451.5466 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 5.8311 . The historical average PB was 4.6940995765501.

Brief about AU Small Fin. Bank

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