AU Small Finance Bank Ltd

AU Small Finance Bank Ltd

₹ 600 1.26%
23 Feb - close price
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).

  • Market Cap 40,069 Cr.
  • Current Price 600
  • High / Low 813 / 548
  • Stock P/E 25.2
  • Book Value 165
  • Dividend Yield 0.17 %
  • ROCE 7.39 %
  • ROE 15.4 %
  • Face Value 10.0

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 37.3% CAGR over last 5 years
  • Company's median sales growth is 38.1% of last 10 years

Cons

  • Stock is trading at 3.64 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last 3 years: -3.52%

* 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 1,261 1,292 1,353 1,405 1,496 1,667 1,820 1,992 2,118 2,275 2,458 2,531 2,736
Interest 628 637 629 652 676 730 844 909 965 1,062 1,212 1,282 1,411
730 736 663 557 694 859 779 875 925 1,016 1,048 1,141 1,276
Financing Profit -96 -81 61 196 127 78 197 208 228 197 198 108 48
Financing Margin % -8% -6% 4% 14% 8% 5% 11% 10% 11% 9% 8% 4% 2%
686 277 214 192 276 311 159 247 295 333 315 425 450
Depreciation -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
Profit before tax 589 196 275 388 402 389 356 456 523 530 513 533 498
Tax % 19% 14% 26% 28% 25% 11% 25% 25% 25% 20% 25% 25% 25%
479 169 203 279 302 346 268 343 393 425 387 402 375
EPS in Rs 7.81 2.71 3.25 4.45 4.81 5.49 4.25 5.15 5.89 6.37 5.80 6.01 5.61
Gross NPA % 0.99% 4.25% 4.31% 3.16% 2.60% 1.98% 1.96% 1.90% 1.81% 1.66% 1.76% 1.91% 1.98%
Net NPA % 0.24% 2.18% 2.26% 1.65% 1.29% 0.50% 0.56% 0.56% 0.51% 0.42% 0.55% 0.60% 0.68%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 249 438 611 704 1,010 1,280 1,767 2,949 4,286 4,950 5,922 8,205 10,000
Interest 104 202 289 282 395 496 827 1,607 2,377 2,585 2,688 3,780 4,967
70 122 184 209 289 766 832 1,163 1,612 2,224 2,634 3,410 4,482
Financing Profit 75 114 137 212 326 18 109 180 296 142 601 1,016 551
Financing Margin % 30% 26% 22% 30% 32% 1% 6% 6% 7% 3% 10% 12% 6%
1 3 4 2 5 810 388 462 706 1,421 994 1,034 1,523
Depreciation 2 3 3 7 9 6 53 62 89 104 140 185 0
Profit before tax 74 114 138 208 323 822 443 580 914 1,458 1,454 1,865 2,075
Tax % 32% 30% 33% 33% 34% -0% 34% 34% 26% 20% 22% 23%
50 80 92 140 212 822 292 382 675 1,171 1,130 1,428 1,589
EPS in Rs 13.65 9.91 10.68 15.90 23.99 14.46 5.11 6.53 11.09 18.75 17.94 21.42 23.79
Dividend Payout % -0% -0% -0% -0% -0% -0% 5% 6% -0% -0% 1% 5%
Compounded Sales Growth
10 Years: 34%
5 Years: 36%
3 Years: 24%
TTM: 32%
Compounded Profit Growth
10 Years: 33%
5 Years: 37%
3 Years: 28%
TTM: 18%
Stock Price CAGR
10 Years: %
5 Years: 16%
3 Years: 2%
1 Year: 1%
Return on Equity
10 Years: 19%
5 Years: 17%
3 Years: 17%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 18 40 43 44 44 284 286 292 304 312 315 667
Reserves 302 425 598 767 965 1,703 1,995 2,696 4,073 5,963 7,199 10,311
Preference Capital 74 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0 -0
654 2,482 2,130 2,878 4,783 7,120 15,562 28,036 36,499 43,009 58,575 75,664
192 192 242 346 502 674 989 1,599 1,267 2,307 2,988 3,575
Total Liabilities 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216
15 17 17 19 24 36 380 440 438 477 609 707
CWIP 0 0 -0 0 0 240 6 7 10 5 14 33
Investments 31 739 114 140 232 2,150 3,051 7,162 10,668 10,815 15,306 20,072
1,120 2,384 2,883 3,877 6,038 7,355 15,396 25,014 31,027 40,294 53,149 69,404
Total Assets 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078 90,216

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-360 -931 -570 -747 -1,938 -2,405 2,505 848 660 5,056 6,849 5,494
-104 -676 611 -23 -33 552 -1,890 -2,305 -1,267 -990 -4,753 -4,320
474 1,844 -266 782 1,964 2,448 521 1,436 2,237 -2,655 -948 2,323
Net Cash Flow 9 237 -225 12 -7 596 1,136 -21 1,629 1,412 1,147 3,497

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 24% 20% 17% 19% 23% 55% 14% 15% 18% 22% 16% 15%

Shareholding Pattern

Numbers in percentages

26 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
28.47% 28.41% 28.39% 28.33% 28.23% 28.21% 25.59% 25.55% 25.54% 25.53% 25.48% 25.47%
32.05% 31.90% 32.45% 33.21% 34.31% 35.07% 38.55% 39.61% 39.74% 41.61% 41.64% 41.13%
20.54% 21.38% 20.90% 20.00% 18.79% 18.41% 21.28% 20.64% 20.62% 19.25% 19.56% 20.81%
18.94% 18.32% 18.26% 18.46% 18.67% 18.31% 14.58% 14.21% 14.09% 13.63% 13.31% 12.63%
No. of Shareholders 1,14,5691,48,3241,44,1971,42,8211,49,8841,77,4001,88,5071,79,0821,70,1091,63,5521,59,0371,55,660

* 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

Concalls