AU Small Finance Bank Ltd
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]
- 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
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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
7h - The Bank has allotted 92,792 equity shares of face value of Rs. 10/- each on 27th January, 2023 pursuant to exercise of equivalent number of …
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
2d - Transcript of the conference call held on Thursday, 19th January, 2023 for the Financial Results of the Bank for the Quarter & Nine months ended …
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 2d
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Announcement under Regulation 30 (LODR)-Newspaper Publication
20 Jan - Unaudited Financial Results of the Bank for the Quarter and Nine months ended on 31st December, 2022 is published in all the editions of "Business …
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
19 Jan - In continuation to our letter dated 09th January, 2023 regarding hosting of Conference Call by the Bank to discuss Financial Results for the Quarter and …
Annual reports
Concalls
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Jan 2023Transcript PPT
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Oct 2017TranscriptPPT
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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).