AU Small Finance Bank Ltd.

NSE: AUBANK  SECTOR: Bank - Private

1016.75
-60.7 (-5.63%)

Price Summary

Today's High

₹ 1033.95

Today's Low

₹ 975

52 Week High

₹ 1356.35

52 Week Low

₹ 366.2

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

31744.29642825 Cr.

CASA %

14.4752967812154

No. of Shares

31.221339 Cr.

P/E

28.24

P/B

5.32

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  191.195

Net Interest Income

1908.9403 Cr.

Cost To Income %

54.2195406152345

Promoter Holding

28.47%

EPS (TTM)

₹  36.002

CAR %

21.99%

ROE

18.5644684062177 %

ROCE

12.7259683407719 %

Profit Growth

15.7443470884177 %

* 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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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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

ROE%

1 Year18.56%
3 Year15.66%

ROA%

1 Year1.81%
3 Year1.78%

Net NPA%

1 Year0.81%
3 Year1.13%

 NIM

1 Year4.65%
3 Year4.69%

CAR %

21.99

Cost of Liabilities %

6.512308782349

PEG Ratio

0.4

Advances Growth %

18.2906079947269

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 28.47 0
Dec 2020 28.98 0
Sep 2020 29 0
Jun 2020 29.01 0
Mar 2020 30.95 7.04
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.77677382834033% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 15.6612727787139%.
  • The company has been consistently maintaining a NIM of 4.69138547443226% since last 3 years.
  • Good Capital Adequacy Ratio of 21.99%.
  • The company has delivered good Income growth of 49.6035502647049% over the past 3 years.
  • Strong Advances growth of 60.3169606447827% in the last 3 years.

 Limitations

  • CASA Growth of -4.00895088955561% YoY, which is very low.
  • Low CASA Ratio of 14.4752967812154%.
  • High Cost to income ratio of 54.2195406152345%.
  • The company has delivered poor Profit Growth of -6.36562785932389% over the past 3 years.
  • Increase in Provision and contingencies of 99.7468597275621% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Interest Earned 1111.62 1183.45 1184.12 1212.45 1261.11
Other Income 161.22 183.15 225.8 285.69 663.41
Interest Expended 604.78 628.51 668.26 651.82 627.99
Operating Expenses 355.2 422.3 296.06 380.02 423.69
Total Provisions 40.11 150.57 181.25 57.4 283.62
Profit Before Tax 272.74 165.21 264.34 408.91 589.23
Tax 82.55 42.89 63.53 87.03 110.21
Net Profit 190.2 122.32 200.81 321.88 479.02
Net NPA % 1.01 0.81 0.62 0.45 0.24
Gross NPA % 1.88 1.68 1.69 1.54 0.99
Return on Assets % 0.51 0.3 0.46 0.73 1.06
NPM % 17.11 10.34 16.96 26.55 37.98

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

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

Balance Sheet (All Figures are in Crores.)

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

Corporate Actions

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Company Presentations

Company News

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 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.

Brief about AU Small Fin. Bank

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