AU Small Finance Bank Ltd

About [ edit ]

AU Small Finance Bank is engaged in providing a range of banking and financial services including retail banking, wholesale banking and treasury operations and other services.

  • Market Cap 29,883 Cr.
  • Current Price 957
  • High / Low 1,356 / 366
  • Stock P/E 25.5
  • Book Value 138
  • Dividend Yield 0.00 %
  • ROCE 9.90 %
  • ROE 27.1 %
  • Face Value 10.0

Pros

  • Company has delivered good profit growth of 40.79% CAGR over last 5 years
  • Company's median sales growth is 39.46% of last 10 years

Cons

  • Stock is trading at 6.91 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -0.51%
  • Earnings include an other income of Rs.1451.55 Cr.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Revenue 600 683 788 877 957 1,033 1,112 1,183 1,184 1,212 1,261 1,292
Interest 314 362 440 490 562 582 605 629 668 652 628 637
272 303 308 341 347 386 395 573 477 437 707 736
Financing Profit 14 18 40 46 48 66 112 -18 39 123 -74 -81
Financing Margin % 2% 3% 5% 5% 5% 6% 10% -2% 3% 10% -6% -6%
Other Income 103 122 106 131 211 151 161 183 226 286 663 277
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 117 140 146 176 259 217 273 165 264 409 589 196
Tax % 34% 35% 35% 33% 27% 21% 30% 26% 24% 21% 19% 14%
Net Profit 77 91 95 118 190 172 190 122 201 322 479 169
EPS in Rs 2.65 3.13 3.26 4.04 6.51 5.86 6.26 4.02 6.55 10.50 15.62 5.41
Gross NPA % 2.17% 2.03% 2.09% 2.04% 2.08% 2.01% 1.88% 1.68% 1.69% 1.54% 0.99% 4.25%
Net NPA % 1.38% 1.28% 1.31% 1.29% 1.25% 1.14% 1.01% 0.81% 0.62% 0.45% 0.24% 2.18%

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Revenue 53 158 249 438 611 704 1,010 1,280 1,767 2,949 4,286 4,950
Interest 10 49 104 202 289 282 395 496 827 1,607 2,377 2,585
25 46 70 122 184 209 289 766 831 1,161 1,611 2,358
Financing Profit 17 64 75 114 137 212 326 18 109 181 298 7
Financing Margin % 32% 40% 30% 26% 22% 30% 32% 1% 6% 6% 7% 0%
Other Income 1 0 1 3 4 2 5 810 387 460 705 1,452
Depreciation 0 1 2 3 3 7 9 6 53 62 89 0
Profit before tax 18 63 74 114 138 208 323 822 443 580 914 1,459
Tax % 35% 33% 32% 30% 33% 33% 34% 0% 34% 34% 26% 20%
Net Profit 12 42 50 80 92 140 212 822 292 382 675 1,171
EPS in Rs 8.51 25.36 27.27 19.82 21.36 31.81 48.01 28.92 10.22 13.06 22.19 37.50
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 5% 6% 0% 0%
Compounded Sales Growth
10 Years:41%
5 Years:37%
3 Years:41%
TTM:16%
Compounded Profit Growth
10 Years:39%
5 Years:41%
3 Years:59%
TTM:73%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:13%
1 Year:105%
Return on Equity
10 Years:23%
5 Years:24%
3 Years:21%
Last Year:27%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
89 90 93 40 43 44 44 284 286 292 304
Reserves 26 72 302 425 598 767 965 1,697 1,978 2,653 4,021
Borrowings 108 363 654 2,482 2,130 2,878 4,783 7,120 15,562 28,036 36,499
97 141 192 192 242 346 502 680 1,007 1,642 1,319
Total Liabilities 245 593 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143
7 11 15 17 17 19 24 36 380 440 438
CWIP 0 0 0 0 0 0 0 240 6 7 10
Investments 3 6 31 739 114 140 232 2,150 3,051 7,162 10,668
235 576 1,120 2,384 2,883 3,877 6,038 7,355 15,396 25,014 31,027
Total Assets 245 593 1,166 3,139 3,013 4,035 6,294 9,781 18,833 32,623 42,143

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
-319 -360 -931 -570 -747 -1,938 -2,405 2,505 848 660 5,056
-8 -104 -676 611 -23 -33 552 -1,890 -2,305 -1,267 -990
260 474 1,844 -266 782 1,964 2,448 521 1,436 2,237 -2,655
Net Cash Flow -68 9 237 -225 12 -7 596 1,136 -21 1,629 1,412

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
ROE % 30% 18% 19% 17% 19% 23% 55% 14% 15% 19%

Shareholding Pattern

Numbers in percentages

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
32.22 32.43 32.21 32.19 32.19 32.08 30.99 30.95 29.01 29.00 28.98 28.47
10.23 20.63 22.39 23.76 24.69 25.46 26.75 28.69 29.95 30.59 32.78 32.05
10.34 16.27 15.54 14.41 13.71 16.32 15.54 15.42 13.54 15.55 18.92 20.54
0.00 0.00 0.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
47.21 30.68 29.51 29.63 29.41 26.14 26.72 24.94 27.50 24.86 19.32 18.94

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