AU Small Finance Bank, 540611, AUBANK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

45,133.14
28.75
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

42,515.70
0.16%
3.76

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
47.67
85.72

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
30.19
6.85

PAT CAGR (%)

10 Years
5 Years
3 Years

4.90
4.70

P:E (Median)

8 Years
5 Years
3 Years

-
32.62
32.16

P:BV (Average)

8 Years
5 Years
3 Years

-
4.90
4.70

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
24.41
22.37

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 2,735.82 2,118.07 29.17% 2,531.05 1,992.29 27.04% 2,458.34 1,820.20 35.06% 2,274.85 1,667.03 36.46%
Interest Exp. 1,410.95 965.34 46.16% 1,282.09 908.94 41.05% 1,212.13 844.20 43.58% 1,061.65 730.47 45.34%
Net Interest Income 1,324.87 1,152.73 14.93% 1,248.97 1,083.35 15.29% 1,246.21 976.00 27.69% 1,213.20 936.56 29.54%
NIM 5.50 6.20 -11.29% 5.50 6.20 -11.29% 5.70 5.90 -3.39% 6.10 6.30 -3.17%
Other Income 449.69 294.89 52.49% 425.46 247.36 72.00% 315.12 159.15 98.00% 333.06 311.37 6.97%
Total Income 3,185.51 2,412.96 32.02% 2,956.52 2,239.65 32.01% 2,773.46 1,979.35 40.12% 2,607.91 1,978.41 31.82%
Operating Exp. 1,117.48 891.91 25.29% 1,026.74 831.92 23.42% 1,015.29 741.08 37.00% 975.35 765.60 27.40%
Operating Profit 657.09 555.71 18.24% 647.69 498.78 29.85% 546.04 394.07 38.56% 570.91 482.33 18.37%
Provision 158.94 32.64 386.95% 114.32 42.95 166.17% 32.98 38.37 -14.05% 40.88 93.22 -56.15%
PBT 498.15 523.07 -4.76% 533.38 455.82 17.02% 513.06 355.70 44.24% 530.04 389.11 36.22%
PBTM 18.21 24.70 -26.28% 21.07 22.88 -7.91% 20.87 19.54 6.81% 23.30 23.34 -0.17%
TAX 122.90 130.24 -5.64% 131.55 113.23 16.18% 126.16 87.83 43.64% 105.41 43.03 144.97%
PAT 375.25 392.83 -4.48% 401.83 342.60 17.29% 386.90 267.87 44.44% 424.63 346.07 22.70%
PATM 13.72% 18.55% 15.88% 17.20% 15.74% 14.72% 18.67% 20.76%
EPS 5.61 5.89 -4.75% 6.01 5.15 16.70% 5.80 4.25 36.47% 6.37 5.50 15.82%
Gross NPA 1,339.68 1,018.86 31.49% 1,244.75 996.70 24.89% 1,121.23 969.62 15.64% 981.31 924.38 6.16%
Gross NPA% 1.98 1.81 9.39% 1.91 1.90 0.53% 1.76 1.96 -10.20% 1.66 1.98 -16.16%
Net NPA 456.16 284.56 60.30% 384.72 288.22 33.48% 347.15 274.83 26.31% 245.16 230.85 6.20%
Net NPA% 0.68 0.51 33.33% 0.60 0.56 7.14% 0.55 0.56 -1.79% 0.42 0.50 -16.00%
CASA 33.00 38.00 -13.16% 34.00 42.00 -19.05% 35.00 39.00 -10.26% 38.40 37.00 3.78%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 5,033.24 4,425.28 3,234.12 2,365.44 1,908.94 1,342.60 940.46 783.69 Interest Earned 10,000.06 8,205.41 5,921.73 4,950.05 4,285.88 2,949.13 1,767.19 1,280.00 Interest Expended 4,966.82 3,780.13 2,687.61 2,584.61 2,376.94 1,606.53 826.73 496.31 Int. income Growth 21.32% 36.83% 36.72% 23.91% 42.18% 42.76% 20.00% Other Income 1,523.33 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Total Income 11,523.40 5,459.74 4,227.81 3,786.37 2,615.03 1,804.51 1,328.52 1,593.65 Total Expenditure 4,134.85 3,409.68 2,633.57 2,223.50 1,612.44 1,162.63 831.92 444.52 Employee Cost - 1,793.03 1,378.92 980.17 759.62 601.11 424.89 192.78 % Of Sales - 21.85% 23.29% 19.80% 17.72% 20.38% 24.04% 15.06% Opt. & Establishment Exp. - 1,832.66 1,174.02 782.63 746.86 543.24 380.97 165.83 % Of Sales - 22.33% 19.83% 15.81% 17.43% 18.42% 21.56% 12.96% Provisions - 154.83 360.97 669.44 283.20 141.78 132.56 97.47 % Of Sales - 1.89% 6.10% 13.52% 6.61% 4.81% 7.50% 7.61% EBITDA 2,421.72 2,050.06 1,594.24 1,562.87 1,002.59 641.88 496.60 1,149.13 EBITDA Margin 58.65% 46.33% 49.29% 66.07% 52.52% 47.81% 52.80% 146.63% Depreciation 0.00 185.42 140.17 104.37 88.62 61.75 53.25 5.78 PBT 2,074.63 1,864.65 1,454.07 1,458.50 913.97 580.13 443.35 1,143.35 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 486.02 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 23.43% 23.42% 22.30% 19.73% 26.17% 34.19% 34.13% 28.11% PAT 1,588.61 1,427.93 1,129.83 1,170.68 674.78 381.81 292.04 821.98 PAT before Minority Interest 1,588.61 1,427.93 1,129.83 1,170.68 674.78 381.81 292.04 821.98 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 24.23% 26.15% 26.72% 30.92% 25.80% 21.16% 21.98% 51.58% PAT Growth 17.73% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 23.74 21.34 16.88 17.49 10.08 5.71 4.36 12.28

Description TTM Mar 17
Net Interest Income - -531.35 Interest Earned - 0.00 Interest Expended - 531.35 Int. income Growth - Other Income - 97.87 Total Income - -433.48 Total Expenditure - -33.93 Employee Cost - 185.13 % Of Sales - 0 Opt. & Establishment Exp. - -374.53 % Of Sales - 0 Provisions - 167.65 % Of Sales - 0 EBITDA - 33.93 EBITDA Margin - 0 Depreciation - 6.09 PBT - 1,082.21 Exceptional Inc./Exp. - 595.82 Provision for Tax - 321.37 Tax Rate - 19.15% PAT - 760.85 PAT before Minority Interest - 760.85 Minority Interest - 0.00 PAT Margin - 0 PAT Growth - EPS - 11.37

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 10,977.34 7,514.01 6,275.22 4,376.81 3,162.89 2,281.18 1,987.59 Share Capital 666.75 314.90 312.21 304.12 292.36 285.70 284.25 Total Reserves 10,266.57 7,157.78 5,859.89 4,020.56 2,652.59 1,977.98 1,697.19 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 69,364.99 52,584.62 35,979.31 26,163.93 19,422.44 7,923.32 0.00 Borrowings 6,298.65 5,990.78 7,029.70 10,335.32 8,613.36 7,638.86 7,119.89 Other Liabilities & Provisions 3,575.14 2,988.39 2,307.08 1,267.01 1,424.11 989.41 673.75 Total Liabilities 90,216.12 69,077.80 51,591.31 42,143.07 32,622.80 18,832.77 9,781.23 Net Block 707.29 608.67 477.37 438.26 439.68 380.38 35.98 Gross Block 1,340.48 1,061.02 796.68 658.98 576.62 461.36 65.83 Accumulated Depreciation 633.19 452.35 319.30 220.72 136.95 80.98 29.85 Total Non-Current Assets 88,658.86 67,952.85 50,688.03 41,478.32 32,167.62 18,510.03 9,602.06 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 32.85 13.90 5.00 9.74 7.35 5.71 239.87 Cash and balance with RBI 8,916.09 5,753.41 1,569.35 1,049.64 811.14 492.12 13.43 Balance with banks and money at call 509.08 175.11 3,211.99 2,320.04 929.05 1,269.10 611.53 Investments 20,072.01 15,306.50 10,815.41 10,668.22 7,161.67 3,050.59 2,150.31 Advances 58,421.54 46,095.26 34,608.91 26,992.42 22,818.73 13,312.13 6,550.94 Other Assets 1,557.25 1,124.95 903.27 664.76 455.17 322.74 179.17 Total Assets 90,216.11 69,077.80 51,591.30 42,143.08 32,622.79 18,832.77 9,781.23 Contingent Liabilities 3,498.59 2,107.61 1,220.84 1,360.05 502.14 516.07 544.39 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 163.98 118.65 98.84 142.20 100.73 79.23 69.71

Description Mar 17
Shareholder's Funds 1,987.59 Share Capital 284.25 Total Reserves 1,697.19 Minority Interest 0.00 Deposits 0.00 Borrowings 0.00 Other Liabilities & Provisions 0.00 Total Liabilities 1,987.59 Net Block 35.98 Gross Block 65.83 Accumulated Depreciation 29.85 Total Non-Current Assets 2,463.90 Lease Adjustment A/c 0.00 Capital Work in Progress 239.87 Cash and balance with RBI 0.00 Balance with banks and money at call 0.00 Investments 2,188.05 Advances 0.00 Other Assets 0.00 Total Assets 2,463.90 Contingent Liabilities 332.33 Bills for collection 0.00 Adjusted Book Value 69.71

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 5,493.64 6,848.98 5,056.10 659.57 847.78 2,504.77 -2,404.86 PBT 1,864.64 1,454.07 1,458.51 913.98 580.13 443.35 1,143.34 Adjustment 447.28 605.55 777.20 387.35 223.94 176.46 35.40 Adjustments for Liabilities & Assets 3,551.66 5,174.22 3,134.72 -372.83 236.69 2,039.12 -3,263.21 Refund/(Payment) of direct taxes -369.93 -384.86 -314.33 -268.92 -192.98 -154.16 -320.39 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -4,319.50 -4,753.37 -989.74 -1,267.45 -2,304.59 -1,889.55 552.44 Net Fixed Assets -298.41 -273.24 -132.96 -84.75 -116.90 -161.37 Other Investment Activity -6126.70 -2064.66 -2069.13 -2973.31 -2473.52 85.37 Cash from Financing Activity 2,322.52 -948.44 -2,654.70 2,237.36 1,435.79 521.04 2,447.97 Closing Cash & Equivalent 9,425.17 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96 Net Cash Inflow / Outflow 3,496.66 1,147.18 1,411.66 1,629.49 -21.03 1,136.26 595.55 Opening Cash & Equivalents 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96 29.41

Description Mar 17
Cash From Operating Activity 884.30 PBT 1,082.21 Adjustment -579.19 Adjustments for Liabilities & Assets 701.41 Refund/(Payment) of direct taxes -320.13 Other Direct Payments 0.00 Cash From Investing Activity -1,800.22 Net Fixed Assets Other Investment Activity Cash from Financing Activity 1,021.53 Closing Cash & Equivalent 441.75 Net Cash Inflow / Outflow 105.62 Opening Cash & Equivalents 336.13

Financial Ratios

Standalone /

Consolidated

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 163.98 118.65 98.84 142.20 100.73 79.23 69.71 NIM 5.03 4.80 4.71 4.65 4.23 5.19 8.40 Yield on Advances 14.05 12.85 14.30 15.88 12.92 13.28 19.54 Yield on Investments 5.71 6.03 15.05 7.37 4.97 5.46 31.84 Cost of Liabilities 5.00 4.59 6.01 6.51 5.73 5.31 6.97 Interest Spread 9.05 8.26 8.29 9.37 7.19 7.96 12.57 ROCE 14.98% 14.01% 15.60% 12.73% 11.87% 11.71% 18.00% Cost Income Ratio 63.01 57.07 43.80 54.22 59.99 56.65 22.14 Core Cost Income Ratio 62.50 59.07 56.56 58.05 60.74 58.33 38.44 Operating Costs to Assets 3.81 3.49 3.21 3.36 3.32 4.00 3.61 Loans/Deposits 0.09 0.11 0.20 0.40 0.44 0.96 0.00 Cash/Deposits 0.13 0.11 0.04 0.04 0.04 0.06 0.00 Investment/Deposits 0.29 0.29 0.30 0.41 0.37 0.39 0.00 Inc Loan/Deposits 9.08% 11.39% 19.54% 39.50% 44.35% 96.41% 0.00% Credit Deposits 84.22% 87.66% 96.19% 103.17% 117.49% 168.01% 0.00% Interest Expended / Interest earned 46.07% 45.39% 52.21% 55.46% 54.47% 46.78% 38.77% Interest income / Total funds 9.10% 8.57% 9.59% 10.17% 9.04% 9.38% 13.09% Interest Expended / Total funds 4.19% 3.89% 5.01% 5.64% 4.92% 4.39% 5.07% CASA 38.43% 37.29% 23.00% 14.48% 18.48% 26.93% 0.00%

Description Mar 17
Book Value 69.71 NIM 0.00 Yield on Advances 0.00 Yield on Investments 0.00 Cost of Liabilities 0.00 Interest Spread 0.00 ROCE 19.73% Cost Income Ratio 0.00 Core Cost Income Ratio 0.00 Operating Costs to Assets 0.00 Loans/Deposits 0.00 Cash/Deposits 0.00 Investment/Deposits 0.00 Inc Loan/Deposits 0.00% Credit Deposits 0.00% Interest Expended / Interest earned 0.00% Interest income / Total funds 0.00% Interest Expended / Total funds 0.00% CASA 0.00%

Top Investors:

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Annual Reports:

News Update:

AU Small Finance Bank logs 25% growth in gross advances during Q4FY24
4th Apr 2024, 10:15 AM

CASA deposits stood at Rs 29,126 crore (provisional) as of March 31, 2024, posting a 9% rise in year-on-year terms against Rs 26,660 crore as of March 31, 2023
Read More
RBI imposes penalty on AU Small Finance Bank
20th Mar 2024, 14:22 PM

RBI has imposed penalty on account of ‘Cash-out’ in one of the Bank's ATM
Read More
AU Small Finance Bank starts operations at fifth branch in Indore
6th Mar 2024, 15:51 PM

This new branch expands AU SFB's banking touchpoint network to 49 in Madhya Pradesh
Read More
RBI approves amalgamation of Fincare Small Finance Bank with AU Small Finance Bank
5th Mar 2024, 12:06 PM

The effective date of the amalgamation shall be April 01, 2024
Read More
AU Small Fin. Bank - Quarterly Results
25th Jan 2024, 15:44 PM

Read More
AU Small Finance Bank gets CCI’s nod to amalgamate Fincare Small Finance Bank with itself
24th Jan 2024, 11:09 AM

The CCI in its meeting held on January 23, 2024, considered and approved the proposed Combination
Read More

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update:

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores /

Results Balance Sheet

Standalone Figures in Rs. Crores /

Cash Flow

Standalone Figures in Rs. Crores /

Financial Ratios

Standalone /

Top Investors:

Annual Reports:

News Update: