AU Small Finance Bank Ltd

₹ 604 -1.94%
27 Jan - close price
aubank.in BSE: 540611 NSE : AUBANK
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).

Website BSE NSE
  • Market Cap ₹ 40,254 Cr.
  • Current Price ₹ 604
  • High / Low ₹ 733 / 525
  • Stock P/E 29.8
  • Book Value ₹ 119
  • Dividend Yield 0.08 %
  • ROCE 7.19 %
  • ROE 16.6 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company's median sales growth is 38.1% of last 10 years

Cons

  • Stock is trading at 5.09 times its book value
  • Company has low interest coverage ratio.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -5.44%

* 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 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Revenue 1,112 1,183 1,184 1,212 1,261 1,292 1,353 1,405 1,496 1,667 1,820 1,992 2,118
Interest 605 629 668 652 628 637 629 652 676 730 844 909 965
395 573 477 413 730 736 663 557 694 859 779 875 925
Financing Profit 112 -18 39 148 -96 -81 61 196 127 78 197 208 228
Financing Margin % 10% -2% 3% 12% -8% -6% 4% 14% 8% 5% 11% 10% 11%
161 183 226 261 686 277 214 192 276 311 159 247 295
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 273 165 264 409 589 196 275 388 402 389 356 456 523
Tax % 30% 26% 24% 21% 19% 14% 26% 28% 25% 11% 25% 25% 25%
Net Profit 190 122 201 322 479 169 203 279 302 346 268 343 393
EPS in Rs 3.13 2.01 3.28 5.25 7.81 2.71 3.25 4.45 4.81 5.49 4.25 5.15 5.89
Gross NPA % 1.88% 1.68% 1.69% 1.54% 0.99% 4.25% 4.31% 3.16% 2.60% 1.98% 1.96% 1.90% 1.81%
Net NPA % 1.01% 0.81% 0.62% 0.45% 0.24% 2.18% 2.26% 1.65% 1.29% 0.50% 0.56% 0.56% 0.51%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
Revenue 158 249 438 611 704 1,010 1,280 1,767 2,949 4,286 4,950 5,922 7,598
Interest 49 104 202 289 282 395 496 827 1,607 2,377 2,585 2,688 3,449
46 70 122 184 209 289 766 832 1,163 1,612 2,224 2,634 3,438
Financing Profit 64 75 114 137 212 326 18 109 180 296 142 601 711
Financing Margin % 40% 30% 26% 22% 30% 32% 1% 6% 6% 7% 3% 10% 9%
0 1 3 4 2 5 810 388 462 706 1,421 994 1,013
Depreciation 1 2 3 3 7 9 6 53 62 89 104 140 0
Profit before tax 63 74 114 138 208 323 822 443 580 914 1,458 1,454 1,724
Tax % 33% 32% 30% 33% 33% 34% 0% 34% 34% 26% 20% 22%
Net Profit 42 50 80 92 140 212 822 292 382 675 1,171 1,130 1,349
EPS in Rs 12.69 13.65 9.91 10.68 15.90 23.99 14.46 5.11 6.53 11.09 18.75 17.94 20.78
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 5% 6% 0% 0% 3%
Compounded Sales Growth
10 Years: 37%
5 Years: 36%
3 Years: 26%
TTM: 37%
Compounded Profit Growth
10 Years: 37%
5 Years: 7%
3 Years: 43%
TTM: 42%
Stock Price CAGR
10 Years: %
5 Years: 12%
3 Years: 5%
1 Year: -5%
Return on Equity
10 Years: 20%
5 Years: 18%
3 Years: 19%
Last Year: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
90 93 40 43 44 44 284 286 292 304 312 315
Reserves 72 302 425 598 767 965 1,697 1,978 2,653 4,021 5,860 7,158
363 654 2,482 2,130 2,878 4,783 7,120 15,562 28,036 36,499 43,009 58,575
141 192 192 242 346 502 680 1,007 1,642 1,319 2,410 3,030
Total Liabilities 593 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078
11 15 17 17 19 24 36 380 440 438 477 609
CWIP 0 0 0 0 0 0 240 6 7 10 5 14
Investments 6 31 739 114 140 232 2,150 3,051 7,162 10,668 10,815 15,306
576 1,120 2,384 2,883 3,877 6,038 7,355 15,396 25,014 31,027 40,294 53,149
Total Assets 593 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143 51,591 69,078

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-319 -360 -931 -570 -747 -1,938 -2,405 2,505 848 660 5,056 6,849
-8 -104 -676 611 -23 -33 552 -1,890 -2,305 -1,267 -990 -4,753
260 474 1,844 -266 782 1,964 2,448 521 1,436 2,237 -2,655 -948
Net Cash Flow -68 9 237 -225 12 -7 596 1,136 -21 1,629 1,412 1,147

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
ROE % 30% 18% 19% 17% 19% 23% 55% 14% 15% 19% 22% 17%

Shareholding Pattern

Numbers in percentages

25 recently
Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
30.95 29.01 29.00 28.98 28.47 28.41 28.39 28.33 28.23 28.21 25.59 25.55
28.69 29.95 30.59 32.78 32.05 31.90 32.45 33.21 34.31 35.07 38.55 39.61
15.42 13.54 15.55 18.92 20.54 21.38 20.90 20.00 18.79 18.41 21.28 20.64
24.94 27.50 24.86 19.32 18.94 18.32 18.26 18.46 18.67 18.31 14.58 14.21

* 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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