Banks
Valuation | |
|---|---|
| Market Cap | 74.34 kCr |
| Price/Earnings (Trailing) | 28.1 |
| Price/Sales (Trailing) | 3.56 |
| EV/EBITDA | 6.04 |
| Price/Free Cashflow | 10.86 |
| MarketCap/EBT | 24.38 |
| Enterprise Value | 74.34 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 20.9 kCr |
| Rev. Growth (Yr) | 15.2% |
| Earnings (TTM) | 2.31 kCr |
| Earnings Growth (Yr) | 26.3% |
Profitability | |
|---|---|
| Operating Margin | 24% |
| EBT Margin | 15% |
| Return on Equity | 1.4% |
| Return on Assets | 1.4% |
| Free Cashflow Yield | 9.21% |
Growth & Returns | |
|---|---|
| Price Change 1W | 0.40% |
| Price Change 1M | 1.9% |
| Price Change 6M | 32.6% |
| Price Change 1Y | 79.9% |
| 3Y Cumulative Return | 16.3% |
| 5Y Cumulative Return | 12.6% |
| 7Y Cumulative Return | 19.4% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -5.93 kCr |
| Cash Flow from Operations (TTM) | 5.46 kCr |
| Cash Flow from Financing (TTM) | 2.41 kCr |
| Free Cash Flow (TTM) | 5.46 kCr |
| Free Cash Flow/Share (TTM) | 73.3 |
Balance Sheet | |
|---|---|
| Total Assets | 1.66 LCr |
| Shareholder Equity | 1.66 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.67 |
| Interest/Cashflow Ops | 1.64 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 1 |
| Dividend Yield | 0.10% |
| Shares Dilution (1Y) | 0.40% |
| Shares Dilution (3Y) | 12.1% |
Investor Care | |
|---|---|
| Dividend Yield | 0.10% |
| Dividend/Share (TTM) | 1 |
| Shares Dilution (1Y) | 0.40% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 61.44 |
| RSI (5d) | 54.24 |
| RSI (21d) | 53.78 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 11% is a good sign.
Size: It is among the top 200 market size companies of india.
Growth: Awesome revenue growth! Revenue grew 23.1% over last year and 142.7% in last three years on TTM basis.
Past Returns: In past three years, the stock has provided 16.3% return compared to 12.4% by NIFTY 50.
No major cons observed.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 11% is a good sign.
Size: It is among the top 200 market size companies of india.
Growth: Awesome revenue growth! Revenue grew 23.1% over last year and 142.7% in last three years on TTM basis.
Past Returns: In past three years, the stock has provided 16.3% return compared to 12.4% by NIFTY 50.
No major cons observed.
Updated May 5, 2025
Despite the positive outlook, AUBANK's net interest margin may face pressure due to interest rate cuts.
Utkarsh Small Finance Bank's shares have shown a significant decline over the past year, impacting market sentiment.
AUBANK's shares closed down slightly after the block deal announcement, reflecting some investor caution.
Summary of AU Small Finance Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
In the earnings conference call for Q1 FY26, AU Small Finance Bank management provided an optimistic yet cautious outlook. The bank expects the economic environment to improve in the second half of the year, bolstered by increased rural demand, urban revival, rising investment activities, and government-led capital expenditure.
Key forward-looking points included:
Loan and Deposit Growth: The management targets to maintain a growth rate of 2x to 2.5x of nominal GDP for their loan portfolio, with expectations that vehicle financing, commercial banking, and gold loans will see growth rates between 20-25%. They forecast mortgage growth to potentially reach 20% thereafter, up from the current 15-18% range.
Profitability Guidance: The bank estimates an ROA of 1.8% for FY27, emphasizing that they are prepared to adjust to credit cost pressures from the MFI sector, which is anticipated to stabilize. Despite challenges, they reaffirmed their commitment to enhancing asset quality.
Credit Cost Projections: The management increased the full-year credit cost expectation to approximately 1% of average total assets, translating to a slight increase from the previous guidance. This adjustment reflects their anticipation of elevated credit costs due to stress in the microfinance and certain mortgage sectors.
Margins Outlook: The management anticipates a bottoming out of the net interest margin (NIM) in Q2, expecting gradual improvements thereafter. They noted the NIM had decreased to 5.4% in Q1, largely due to declining asset yields.
Target for Unsecured Loans: The bank aims to stabilize and then grow their MFI book, targeting a year-end total of INR7,000 crores, signifying a 5% growth.
Branch Expansion: They plan to add 70-80 new deposit branches mainly in urban areas, continuing their strategy of driving granular retail deposit growth.
The management reassured stakeholders of their ability to navigate through the transitioning macro environment while maintaining a robust operational framework.
Understand AU Small Finance Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Sanjay Agarwal | 15.68% |
| Hdfc Mutual Fund - Hdfc Mid-Cap Fund | 7.11% |
| Camas Investments Pte. Ltd. | 3.61% |
| Jyoti Agarwal | 3.16% |
| Shakuntala Agarwal | 2.49% |
| New World Fund Inc | 2.18% |
| Dsp Midcap Fund | 1.91% |
Detailed comparison of AU Small Finance Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BANDHANBNK | Bandhan Bank | 26.65 kCr | 24.36 kCr | +13.80% | +17.90% | 14.67 | 1.09 | - | - |
| UJJIVANSFB | Ujjivan Small Finance Bank |
Comprehensive comparison against sector averages
AUBANK metrics compared to Banks
| Category | AUBANK | Banks |
|---|---|---|
| PE | 28.1 | 14.5 |
| PS | 3.56 | 1.86 |
| Growth | 23.1 % | 6.7 % |
AU Small Finance Bank is a dynamic banking and financial services company based in India, known for offering a wide range of products and services. The company, which operates under the stock ticker AUBANK, has a significant market capitalization of Rs. 51,253.5 Crores.
The bank serves its customers through various segments, including Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations. Its offerings encompass multiple types of accounts such as savings, current, and fixed deposits, along with debit and credit card services, and secure deposit locker facilities.
AU Small Finance Bank also specializes in various loan products, including:
To complement its banking services, the bank provides insurance products, mutual funds, and pension plans, as well as digital banking solutions including internet and mobile banking.
With a rich history, AU Small Finance Bank was originally incorporated as AU Financiers (India) Limited in 1996 and adopted its current name in May 2017. Headquartered in Jaipur, India, it has established a robust presence through its branches, correspondent banking outlets, and ATMs.
The bank has demonstrated strong financial performance, boasting a trailing 12-month revenue of Rs. 18,626.4 Crores and a profit of Rs. 2,105.9 Crores in the last four quarters. It has achieved impressive revenue growth of 170.6% over the past three years.
Additionally, shareholders benefit from dividends, with a yield of 0.34% per year and a recent payout of Rs. 2 per share. However, it is important to note that there has been a dilution of shareholdings by 18.2% over the past three years, indicating a potential change in equity structure.
In summary, AU Small Finance Bank is a thriving institution that offers a comprehensive suite of banking services, demonstrating strong growth and profitability while maintaining a commitment to delivering value to its investors.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
AUBANK vs Banks (2021 - 2026)
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
AU Small Finance Bank's Q4 results surpassed expectations, with significant growth in profits and deposits.
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
1. Question: "Sir, just two things from my side. One, on the overall profitability from a '26-'27 perspective. So, we have increased our credit card guidance. And when we look at NIM reduction in Q1, and also we are now finding that it will further go down in Q2 and then bottom out. So, how do you expect ROA settling in '26 and '27 considering pressure on NIM and higher credit costs in '26?"
Answer: We haven't provided specific ROA guidance for FY '26. However, we reiterate our expectation of achieving an ROA of 1.8% for FY '27.
2. Question: "Can you please elaborate further on the stress in Used SCV/HCV segment? Is it geographically specific or is it broadly due to weak macros?"
Answer: The used SCV & HCV book constitutes a small proportion of our assets. The trend started last year due to industry-wide pressures. We've taken corrective measures, and the rest of our book is performing well. It's not geographic-specific but confined to specific segments.
3. Question: "On this credit cost again, on the unsecured MFI, credit card, personal loan, I can understand. But, Sanjay sir, I mean, structurally, if I see for the last 6, 7, 8 years, your retail credit cost has always been 70 basis point or lower, barring the COVID year. What has changed?"
Answer: This business goes through cycles. Our credit cost is influenced by current economic trends and our larger scale. We anticipate some upward pressure on credit cost expectations in the range of 75-80 basis points owing to our larger presence and market dynamics.
4. Question: "So, will we want to rebound from this? And what is the medium-term strategy on the credit card now?"
Answer: The credit card business has experienced challenges, but we've made leadership changes and refined our strategy. We'll first aim for break-even, controlling losses, and ask for time from investors to see improvements by year-end.
5. Question: "Can the recovery be also as quick from the second half onwards or"¦?"
Answer: I believe we will see a partial recovery in our margins starting in Q3, though full recovery may take longer. The current pressures are expected to ease as economic conditions improve.
6. Question: "Regarding the Southern-based mortgages, could you provide clarity on slippages observed there?"
Answer: The Southern mortgage book represents about 15% of our overall portfolio, and the slippages are related to operational transitions. We have strengthened our collection infrastructure and expect improvements in results soon.
7. Question: "What proportion of the existing credit card book can eventually flow into NPA or have to be written off?"
Answer: The stress we're observing largely comes from a specific pool we've identified and limited. We've made significant changes, and we expect credit costs to start normalizing from here on, with improvements in our collection metrics.
| Invesco India Flexi Cap Fund | 1.84% |
| Uttam Tibrewal | 1.79% |
| Nomura India Investment Fund Mother Fund | 1.6% |
| Kotak Flexicap Fund | 1.6% |
| Hdfc Life Insurance Company Limited | 1.6% |
| Mys Holdings Private Limited | 1.45% |
| Zulia Investments Pte. Ltd. | 1.36% |
| Uti Nifty 200 Momentum 30 Index Fund | 1.25% |
| Axis Max Life Insurance Limited | 1.11% |
| Janchor Partners Pan-Asian Master Fund | 1.07% |
| Yuvraj Agarwal | 0% |
| Mallika Agarwal | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 11.87 kCr |
| 7.7 kCr |
| +3.80% |
| +80.40% |
| 13.02 |
| 1.54 |
| - |
| - |
| EQUITASBNK | Equitas Small Finance Bank | 7.82 kCr | 7.64 kCr | -1.00% | +7.70% | 49.08 | 1.02 | - | - |
| UTKARSHBNK | UTKARSH SMALL FINANCE BANK | 2.41 kCr | 4.02 kCr | -7.20% | -54.10% | 107.33 | 0.6 | - | - |
| ESAFSFB | ESAF Small Finance Bank | 1.46 kCr | 4.19 kCr | +9.10% | -9.70% | -3.3 | 0.35 | - | - |
| SURYODAY | Suryoday Small Finance Bank | 1.38 kCr | 2.36 kCr | -7.60% | +11.10% | 13.01 | 0.59 | - | - |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
| 10.9% |
| 1,019 |
| 919 |
| 866 |
| 817 |
| 755 |
| 785 |
| Other operating expenses | 14% | 831 | 729 | 678 | 745 | 682 | 695 |
| Operating expenses | 12.3% | 1,850 | 1,647 | 1,543 | 1,562 | 1,436 | 1,481 |
| Operating profit | 0.4% | 1,215 | 1,210 | 1,312 | 1,292 | 1,205 | 1,132 |
| Provisions other than tax and contingencies | -31.2% | 331 | 481 | 533 | 635 | 502 | 373 |
| Exceptional items | - | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 21.3% | 884 | 729 | 779 | 657 | 703 | 759 |
| Tax expense | 29.3% | 217 | 168 | 198 | 153 | 175 | 188 |
| Profit after tax | 19.1% | 668 | 561 | 581 | 504 | 528 | 571 |
| Net profit (loss) for the period | 19.1% | 668 | 561 | 581 | 504 | 528 | 571 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | 0.2% | 0.1714 | 0.1695 | 0.1754 | 0.1814 | 0.1692 | 0.1738 |
| Gross non performing assets | 1.6% | 2,881 | 2,835 | 2,751 | 2,477 | 2,336 | 1,902 |
| Non performing assets | 7.4% | 1,091 | 1,016 | 971 | 791 | 906 | 707 |
| Return on assets | 0% | 039 | 035 | 037 | 034 | 037 | 0 |
Analysis of AU Small Finance Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.