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 ₹ 45,310 Cr.
- Current Price ₹ 609
- High / Low ₹ 813 / 554
- Stock P/E 28.4
- Book Value ₹ 165
- Dividend Yield 0.16 %
- ROCE 8.63 %
- ROE 14.5 %
- Face Value ₹ 10.0
Pros
- Company's median sales growth is 28.6% of last 10 years
Cons
- Stock is trading at 3.70 times its book value
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -2.53%
- Dividend payout has been low at 3.47% of profits over last 3 years
* 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 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
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Revenue | 438 | 611 | 704 | 1,010 | 1,280 | 1,767 | 2,949 | 4,286 | 4,950 | 5,922 | 8,205 | 10,555 |
Interest | 202 | 289 | 282 | 395 | 496 | 827 | 1,607 | 2,377 | 2,585 | 2,688 | 3,780 | 5,398 |
122 | 184 | 209 | 289 | 766 | 832 | 1,163 | 1,612 | 2,224 | 2,634 | 3,410 | 4,827 | |
Financing Profit | 114 | 137 | 212 | 326 | 18 | 109 | 180 | 296 | 142 | 601 | 1,016 | 330 |
Financing Margin % | 26% | 22% | 30% | 32% | 1% | 6% | 6% | 7% | 3% | 10% | 12% | 3% |
3 | 4 | 2 | 5 | 810 | 388 | 462 | 706 | 1,421 | 994 | 1,034 | 1,669 | |
Depreciation | 3 | 3 | 7 | 9 | 6 | 53 | 62 | 89 | 104 | 140 | 185 | 0 |
Profit before tax | 114 | 138 | 208 | 323 | 822 | 443 | 580 | 914 | 1,458 | 1,454 | 1,865 | 1,999 |
Tax % | 30% | 33% | 33% | 34% | 0% | 34% | 34% | 26% | 20% | 22% | 23% | 23% |
80 | 92 | 140 | 212 | 822 | 292 | 382 | 675 | 1,171 | 1,130 | 1,428 | 1,535 | |
EPS in Rs | 9.91 | 10.68 | 15.90 | 23.99 | 14.46 | 5.11 | 6.53 | 11.09 | 18.75 | 17.94 | 21.42 | 22.93 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 5% | 6% | 0% | 0% | 1% | 5% | 4% |
Compounded Sales Growth | |
---|---|
10 Years: | 33% |
5 Years: | 29% |
3 Years: | 29% |
TTM: | 29% |
Compounded Profit Growth | |
---|---|
10 Years: | 33% |
5 Years: | 33% |
3 Years: | 11% |
TTM: | 12% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 5% |
1 Year: | -5% |
Return on Equity | |
---|---|
10 Years: | 18% |
5 Years: | 17% |
3 Years: | 15% |
Last Year: | 15% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 40 | 43 | 44 | 44 | 284 | 286 | 292 | 304 | 312 | 315 | 667 | |
Reserves | 425 | 598 | 767 | 965 | 1,703 | 1,995 | 2,696 | 4,073 | 5,963 | 7,199 | 10,311 | |
2,482 | 2,130 | 2,878 | 4,783 | 7,120 | 15,562 | 28,036 | 36,499 | 43,009 | 58,575 | 75,664 | ||
192 | 242 | 346 | 502 | 674 | 989 | 1,599 | 1,267 | 2,307 | 2,988 | 3,575 | ||
Total Liabilities | 3,139 | 3,013 | 4,035 | 6,294 | 9,781 | 18,833 | 32,623 | 42,143 | 51,591 | 69,078 | 90,216 | |
17 | 17 | 19 | 24 | 36 | 380 | 440 | 438 | 477 | 609 | 707 | ||
CWIP | 0 | 0 | 0 | 0 | 240 | 6 | 7 | 10 | 5 | 14 | 33 | |
Investments | 739 | 114 | 140 | 232 | 2,150 | 3,051 | 7,162 | 10,668 | 10,815 | 15,306 | 20,072 | |
2,384 | 2,883 | 3,877 | 6,038 | 7,355 | 15,396 | 25,014 | 31,027 | 40,294 | 53,149 | 69,404 | ||
Total Assets | 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 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-931 | -570 | -747 | -1,938 | -2,405 | 2,505 | 848 | 660 | 5,056 | 6,849 | 5,494 | ||
-676 | 611 | -23 | -33 | 552 | -1,890 | -2,305 | -1,267 | -990 | -4,753 | -4,320 | ||
1,844 | -266 | 782 | 1,964 | 2,448 | 521 | 1,436 | 2,237 | -2,655 | -948 | 2,323 | ||
Net Cash Flow | 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 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 20% | 17% | 19% | 23% | 55% | 14% | 15% | 18% | 22% | 16% | 15% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
3m - Of Newspaper Advertisement of Audited Financial Results of the Bank for the Quarter & Financial Year ended on March 31, 2024
- Compliance Pursuant To Regulation 40(9) Of SEBI (LODR) Regulation, 2015 52m
- Audio Recording Of Conference Call For Financial Results For The Quarter And Financial Year Ended On March 31, 2024 21h
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Announcement under Regulation 30 (LODR)-Investor Presentation
1d - Presentation to Investors on Audited Financial Results for the Quarter and Financial Year ended on March 31, 2024
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
1d - Press Release on Audited Financial Results for the Quarter and Financial Year ended on March 31, 2024
Annual reports
Concalls
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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).