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AU Small Fin. Bank share price

AU Small Finance Bank Ltd.

NSE: AUBANK BSE: 540611 SECTOR: Bank - Private  208k   1k   184

571.15
+0.40 (0.07%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 576

Today's Low

₹ 564.95

52 Week High

₹ 813

52 Week Low

₹ 548.15

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.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

38218.05 Cr.

CASA %

38.43

No. of Shares

66.91 Cr.

P/E

24.06

P/B

3.16

Face Value

₹ 10

Div. Yield

0.18 %

Book Value (TTM)

₹  180.64

Net Interest Income

4425.28 Cr.

Cost To Income %

63.01

Promoter Holding

25.46 %

EPS (TTM)

₹  23.74

CAR %

23.59

ROE

15.52 %

ROCE

14.98%

Profit Growth

26.38 %

* 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 30 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

View Full Peer Comparison
* 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 Year15.52%
3 Year18.13%
5 Year17.52%

ROA%

1 Year1.79%
3 Year2.05%
5 Year1.89%

Net NPA%

1 Year0.42%
3 Year1.04%
5 Year1.04%

 NIM

1 Year5.03%
3 Year4.85%
5 Year4.69%

CAR %

23.59

Cost of Liabilities %

4.99596169962141

PEG Ratio

NA

Advances Growth %

26.7409027797489

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 25.46 0
Sep 2023 25.49 0
Jun 2023 25.53 0
Mar 2023 25.54 0
Dec 2022 25.55 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 2.05443686589368% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 18.1273760831036%.
  • The company has been consistently maintaining a NIM of 4.84941863353742% since last 3 years.
  • CASA stands at 38.434420279797% of total deposits.
  • Good Capital Adequacy Ratio of 23.59%.
  • The company has delivered good Profit growth of 28.3847570070933% over the past 3 years.
  • The company has delivered good Income growth of 24.1706566059148% over the past 3 years.
  • Strong Advances growth of 29.3531753341972% in the last 3 years.

 Limitations

  • High Cost to income ratio of 63.0115363789536%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 2118.07 2274.85 2458.34 2531.06 2735.82
Other Income 294.89 333.06 315.12 425.46 449.69
Interest Expended 965.34 1061.65 1212.13 1282.09 1410.95
Operating Expenses 891.92 975.35 1015.29 1026.74 1117.48
Total Provisions 32.64 40.88 32.98 114.32 158.94
Profit Before Tax 523.07 530.04 513.06 533.38 498.15
Tax 130.24 105.41 126.16 131.55 122.9
Net Profit 392.83 424.63 386.9 401.84 375.25
Net NPA % 0.51 0.42 0.55 0.6 0.68
Gross NPA % 1.81 1.66 1.76 1.91 1.98
Return on Assets % 0.5 0.5 0.43 0.43 0.38
NPM % 18.55 18.67 15.74 15.88 13.72

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 2949.13 4285.88 4950.05 5921.73 8205.41
Other Income 461.91 706.09 1420.93 993.69 1034.46
Interest Expended 1606.53 2376.94 2584.61 2687.61 3780.13
Operating Expenses 1082.61 1417.86 1658.43 2412.77 3440.27
Total Provisions 141.78 283.2 669.44 360.97 154.83
Profit Before Tax 580.13 913.97 1458.5 1454.07 1864.65
Taxes 198.32 239.19 287.82 324.24 436.72
Net Profit 381.81 674.78 1170.68 1129.83 1427.93
Adjusted EPS (Rs.) 6.53 11.09 18.75 17.94 21.42

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 292.36 304.12 312.21 314.9 666.75
Total Reserves 2652.59 4020.56 5859.89 7157.78 10266.57
Deposits 19422.44 26163.93 35979.31 52584.62 69364.99
Borrowings 8613.36 10335.32 7029.7 5990.78 6298.65
Other Liabilities 1424.11 1267.01 2307.08 2988.39 3575.14
Total Liabilities 32622.8 42143.07 51591.31 69077.8 90216.12
Assets
Balance with RBI 811.14 1049.64 1569.35 5753.41 8916.09
Balance with Banks 929.05 2320.04 3211.99 175.11 509.08
Investments 7161.67 10668.22 10815.41 15306.5 20072.01
Advances 22818.73 26992.42 34608.91 46095.26 58421.54
Net Block 439.68 438.26 477.37 608.67 707.29
Other Assets 455.17 664.76 903.27 1124.95 1557.25
Total Assets 32622.8 42143.07 51591.31 69077.8 90216.12
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 25.55 25.54 25.53 25.49 25.46
jyoti agarwal 3.55 3.55 3.54 3.54 3.53
mys holdings private limi... 1.62 1.62 1.62 1.62 1.62
sanjay agarwal 17.58 17.58 17.57 17.54 17.52
shakuntala agarwal 2.80 2.80 2.79 2.79 2.79
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 74.45 74.46 74.47 74.51 74.54
camas investments pte. lt... 4.04 4.04 4.04 4.03 4.03
dsp midcap fund 1.61 1.66 1.47 1.43 1.44
hdfc life insurance compa... 1.78 1.68 1.76 1.74 1.58
hdfc mutual fund - hdfc m... - - - - 1.35
janchor partners pan-asia... - - - - 1.18
kotak flexicap fund 4.37 4.31 4.06 4.37 4.49
kotak funds - india midca... - - - 1.04 1.04
llp 0.27 0.26 0.24 0.25 0.23
new world fund inc 4.30 4.30 4.30 4.29 4.29
nippon life india trustee... 1.98 1.92 1.56 1.50 1.47
nomura india investment f... 2.30 2.30 2.29 2.29 2.25
smallcap world fund, inc 4.79 4.79 4.79 4.78 4.79
uti flexi cap fund 1.21 1.21 1.16 1.13 1.02
uttam tibrewal - - - - 2.06
westbridge aif i 3.89 4.80 4.78 4.77 4.80
uttam tibrewal 1.98 1.98 1.98 2.06 -
government pension fund g... 1.38 1.33 1.24 - -
government of singapore 1.26 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • ConcallQ3FY24 2 Feb 2024
  • PresentationQ4FY22 28 Apr 2022
  • PresentationQ4FY22 11 May 2022
  • PresentationQ4FY21 30 Apr 2021
  • PresentationQ4FY20 10 Oct 2020
  • PresentationQ3FY24 29 Jan 2024
  • PresentationQ3FY22 21 Mar 2022
  • PresentationQ3FY22 11 Feb 2022
  • PresentationQ3FY21 29 Jan 2021
  • PresentationQ2FY23 3 Jan 2023
  • PresentationQ2FY23 14 Dec 2022
  • PresentationQ2FY22 9 Nov 2021
  • PresentationQ2FY21 29 Oct 2020
  • PresentationQ1FY24 24 Jul 2023
  • PresentationQ1FY24 24 Jul 2023
  • PresentationQ1FY22 9 Aug 2021
  • PresentationQ1FY21 24 Jul 2020
  • PresentationQ1FY20 9 Jan 2020

Company News

AU Small Finance Bank informs about press release27 Jan 2024, 11:12AM AU Small Fin. Bank - Quaterly Results25 Jan 2024, 3:44PM AU Small Fin. Bank - Quaterly Results25 Jan 2024, 3:44PM AU Small Fin. Bank - Quaterly Results25 Jan 2024, 3:44PM AU Small Finance Bank gets CCI’s nod to amalgamate Fincare Small Finance Bank with itself24 Jan 2024, 11:09AM AU Small Finance Bank informs about disclosure 4 Jan 2024, 9:48AM AU Small Finance Bank informs about analyst meet 25 Nov 2023, 11:59AM AU Small Finance Bank reports 17% rise in Q2 net profit30 Oct 2023, 11:17AM AU Small Fin. Bank - Quaterly Results28 Oct 2023, 2:22PM AU Small Fin. Bank - Quaterly Results28 Oct 2023, 2:22PM AU Small Fin. Bank - Quaterly Results28 Oct 2023, 2:22PM AU Small Finance Bank logs 30% growth in total deposits during Q2FY244 Oct 2023, 11:41AM AU Small Finance Bank informs about updates 4 Oct 2023, 9:54AM AU Small Finance Bank enters into bancassurance tie-up with Max Life 21 Sep 2023, 2:30PM AU Small Finance Bank informs about press release 18 Sep 2023, 5:29PM AU Small Finance Bank introduces ‘Swadesh Banking’18 Sep 2023, 12:48PM AU Small Finance Bank enters into bancassurance tie-ups with Star Health and Bajaj Allianz 7 Sep 2023, 9:39AM AU Small Finance Bank informs about proceedings of AGM 11 Aug 2023, 10:08AM AU Small Finance Bank informs about proceedings of AGM 11 Aug 2023, 10:08AM AU Small Finance Bank reports 44% rise in Q1 net profit24 Jul 2023, 9:52AM AU Small Fin. Bank - Quaterly Results22 Jul 2023, 3:51PM AU Small Fin. Bank - Quaterly Results22 Jul 2023, 3:51PM AU Small Fin. Bank - Quaterly Results22 Jul 2023, 3:51PM AU Small Finance Bank logs 27% growth in total deposits during Q1FY24 5 Jul 2023, 12:00PM AU Small Finance Bank planning to raise funds 24 Jun 2023, 4:12PM AU Small Finance Bank reports 23% rise in Q4 net profit26 Apr 2023, 11:19AM AU Small Fin. Bank - Quaterly Results25 Apr 2023, 4:39PM AU Small Fin. Bank - Quaterly Results25 Apr 2023, 4:39PM AU Small Fin. Bank - Quaterly Results25 Apr 2023, 4:39PM AU Small Finance Bank gets RBI’s permission to deal in foreign exchange19 Apr 2023, 4:14PM AU Small Finance Bank reports 32% growth in total deposits during Q4FY235 Apr 2023, 2:23PM AU Small Finance Bank informs about analyst meet4 Mar 2023, 12:14PM AU Small Finance Bank informs about approval of RBI for reappointment of part-time chairman 23 Feb 2023, 10:00AM AU Small Finance Bank reports 30% rise in Q3 net profit20 Jan 2023, 12:27PM AU Small Fin. Bank - Quaterly Results19 Jan 2023, 4:06PM AU Small Fin. Bank - Quaterly Results19 Jan 2023, 4:06PM AU Small Fin. Bank - Quaterly Results19 Jan 2023, 4:06PM AU Small Finance Bank reports 5% growth in total deposits during Q3FY23 5 Jan 2023, 11:48AM AU Small Finance Bank inks pact with HDFC Life 16 Dec 2022, 2:29PM AU Small Finance Bank enters into Bancassurance tie-up with ICICI Lombard General Insurance6 Dec 2022, 9:28AM AU Small Finance Bank informs about analysts meet19 Nov 2022, 11:06AM AU Small Finance Bank informs about allotment under ESOP27 Oct 2022, 11:44AM AU Small Finance Bank’s Q2 net profit rises 23% 19 Oct 2022, 4:47PM AU Small Fin. Bank - Quaterly Results19 Oct 2022, 3:44PM AU Small Fin. Bank - Quaterly Results19 Oct 2022, 3:44PM AU Small Fin. Bank - Quaterly Results19 Oct 2022, 3:44PM AU Small Finance Bank raises Rs 2,500 crore via QIP11 Aug 2022, 10:45AM AU Small Finance Bank raises Rs 500 crore via Bonds4 Aug 2022, 12:38PM AU Small Finance Bank gets nod to raise Rs 600 crore 29 Jul 2022, 11:58AM Au Small Finance Bank informs about outcome of the board meeting29 Jul 2022, 10:07AM

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 8205.4083 Cr. revenue in the latest financial year. AU Small Fin. Bank has posted outstanding revenue growth of 24.1706566059148 % in last 3 Years.

  • In terms of advances, AU Small Fin. Bank reported 26.7409027797489 % YOY,  rise . If you see 3 years advance growth, it stands at 29.3531753341972 %.

  • Currently, AU Small Fin. Bank has a CASA ratio of 38.434420279797 %. It’s overall cost of liability stands at 4.99596169962141 %. Also, the total deposits of AU Small Fin. Bank from these accounts stood at Rs 69364.9864 Cr.

  • AU Small Fin. Bank has a healthy ROA track record. The ROA of AU Small Fin. Bank is at 1.79281834580618 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.66 % and 0.42 % 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 negative at -57.1070726793061 % which means it has decreased 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 1034.4642 Cr.

  • AU Small Fin. Bank 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 3.1588 . The historical average PB of AU Small Fin. Bank was 4.89025484303664.

  • Share Price: - The current share price of AU Small Fin. Bank is Rs 569.85. One can use valuation calculators of ticker to know if AU Small Fin. Bank share price is undervalued or overvalued.

Last Updated on:
Brief about AU Small Fin. Bank

AU Small Finance Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

Welcome to our AU Small Finance Bank Ltd. stock analysis page. Our website is designed for long-term investors seeking valuable insights into the company's performance. We provide a range of tools and resources to evaluate various aspects of this company's stock, including share price trends, balance sheets, annual reports, dividends, quarterly results, stock price charts, news, conference calls, transcripts, investor presentations, promoters, and shareholders. In this article, we will analyze each of these topics in detail, providing investors with a comprehensive understanding of AU Small Finance Bank Ltd.'s performance.

AU Small Finance Bank Ltd. Share Price Analysis: 

The share price of AU Small Finance Bank Ltd. plays a significant role in evaluating its performance. By analyzing historical performance and tracking share price trends, long-term investors can identify market sentiment and potential opportunities. Our pre-built screening tools enable investors to view the stock price trend, set up alerts based on specified price ranges, and analyze historical performance to make well-informed investment decisions.

AU Small Finance Bank Ltd. Balance Sheet Evaluation:

Evaluating the balance sheet of AU Small Finance Bank Ltd. is essential for long-term investors to assess the company's financial health and stability. Our website provides pre-built screening tools to evaluate the company's assets, liabilities, and overall financial position. By analyzing the balance sheet, investors can assess AU Small Finance Bank Ltd.'s ability to manage debt and evaluate its long-term viability. Our platform assists investors in understanding the financial strength of the company.

AU Small Finance Bank Ltd. Annual Reports: 

AU Small Finance Bank Ltd. publishes annual reports containing essential information for investors seeking comprehensive information on the company's performance and future prospects. Our website provides annual reports that include the CEO's letter, financial statements, and detailed discussions about key initiatives. Analyzing these reports enables investors to evaluate AU Small Finance Bank Ltd.'s financial health, growth potential, and long-term viability. Our platform ensures that investors have access to and can evaluate these crucial documents.

AU Small Finance Bank Ltd. Dividend Analysis: 

Dividends of AU Small Finance Bank Ltd. help investors evaluate the company's financial stability and growth prospects. Our pre-built screening tools enable investors to evaluate the company's dividend policies and payouts. This analysis helps investors assess the sustainability, profitability, and potential returns of dividends, facilitating informed decisions regarding long-term investment strategies. Our platform equips investors with the tools they need to evaluate AU Small Finance Bank Ltd.'s dividend performance.

AU Small Finance Bank Ltd. Quarterly Results Review:

Staying updated with AU Small Finance Bank Ltd.'s financial performance is crucial for long-term stock investors. Our website provides downloadable quarterly results, allowing investors to stay informed about the company's short-term growth, financial health, and prospects. By identifying significant trends and patterns in the results, investors can gain valuable insights into AU Small Finance Bank Ltd.'s financial performance and make informed decisions based on current data.

AU Small Finance Bank Ltd. Stock Price Trends: 

Analyzing the stock price trends of AU Small Finance Bank Ltd. helps investors identify patterns and market sentiments. Our pre-built screening tools enable investors to track the stock price trend, analyze market trends, and identify potential buying or selling opportunities. By leveraging these tools, investors can assess the growth potential of AU Small Finance Bank Ltd. based on historical stock price movements. Our platform consolidates comprehensive analyses of market sentiment related to the stock.

AU Small Finance Bank Ltd. Price Charts: 

Price charts provide valuable insights into the historical stock price movements of AU Small Finance Bank Ltd. Our pre-built screening tools facilitate chart analysis, enabling investors to identify trends and patterns. By studying the price chart, investors can potentially understand investor behaviour and market sentiment towards the stock. This analysis assists in evaluating the growth potential and market sentiment of AU Small Finance Bank Ltd. shares.

AU Small Finance Bank Ltd. News Update: 

Staying updated with the latest news about AU Small Finance Bank Ltd. is essential for long-term stock investors. Our website offers a comprehensive collection of news articles from various reliable sources. By staying abreast of the latest developments, investors gain valuable insights into the company's operations, strategic initiatives, and potential market trends. Our platform ensures that investors have access to the latest news to make informed investment decisions.

AU Small Finance Bank Ltd. Concall: 

AU Small Finance Bank Ltd. conducts regular conference calls with analysts and investors, providing valuable insights into the company's operations, financial performance, and future plans. Our website provides information regarding upcoming concalls and grants access to insights from previous calls. By listening to these conference calls, investors can gain a deeper understanding of AU Small Finance Bank Ltd.'s strategies, challenges, and growth prospects. Our platform enables investors to access these valuable insights conveniently.

AU Small Finance Bank Ltd. Transcripts: 

Accessing transcripts of AU Small Finance Bank Ltd.'s conference calls and management meetings provides investors with detailed records of important discussions. Our website offers downloadable transcripts, ensuring the availability of in-depth analyses of the company's operations, financial performance, and market outlook. By reviewing these transcripts, investors gain a comprehensive understanding of AU Small Finance Bank Ltd.'s strategies, financial health, and long-term potential.

AU Small Finance Bank Ltd. Investor Presentations: 

AU Small Finance Bank Ltd. provides investor presentations that offer detailed information about the company's financial performance, strategic initiatives, and future plans. Investors can conveniently access these presentations on our website, enriching their knowledge about AU Small Finance Bank Ltd.'s operations and growth prospects. Combined with our premium feature tools, including DCF Analysis, BVPS Analysis, Earnings Multiple Approach, and DuPont Analysis, these presentations empower investors to conduct a thorough stock analysis and make well-informed investment decisions.

AU Small Finance Bank Ltd. Promoters: 

Analyzing the holdings of AU Small Finance Bank Ltd.'s promoters is critical for long-term stock investors. Our pre-built screening tools enable investors to evaluate promoter holdings, which provide insights into ownership structure and potential conflicts of interest. Understanding the significance of promoter holdings helps investors assess the strength, growth prospects, and long-term viability of AU Small Finance Bank Ltd.

AU Small Finance Bank Ltd. Shareholders: 

The composition of AU Small Finance Bank Ltd.'s shareholder base is a crucial consideration for long-term investors. Our pre-built screening tools enable investors to analyze the shareholder base and understand the ownership structure. This analysis offers insights into potential risks and opportunities associated with the stock. Understanding the shareholder base helps investors assess the stability, growth prospects, and long-term potential of AU Small Finance Bank Ltd.

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