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Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

AU Small Finance Bank Ltd.

Large Cap

Evaluated by 753 users |

BSE

: 540611 |

NSE

: AUBANK |

Bank - Private

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Net Interest Income (Rs. Cr.)1592532132784056157849401,3431,909
Y-o-Y Gr. Rt.-59.6%-15.8%30.2%45.7%51.9%27.4%20%42.8%42.2%
Total Income1592534135716891,0712,0902,1553,4114,992
Y-o-Y Gr. Rt.-59.6%63%38.3%20.7%55.4%95.1%3.1%58.3%46.4%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
25.3727.2717.1416.8831.6348.0128.9210.2213.0622.19
Y-o-Y Gr. Rt.-7.5%-37.2%-1.5%87.4%51.8%-39.8%-64.7%27.8%69.9%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
53.78174.32109.18139.13173.87228.5369.7179.23100.73142.2
Y-o-Y Gr. Rt.-224.1%-37.4%27.4%25%31.4%-69.5%13.7%27.1%41.2%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)10.075.713.262.414.064.148.42.041.481.81
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)0000001.221.31.290.81
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 21.99%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income31.8%36.4%34.6%42.2%
Total Income46.7%48.6%33.7%46.4%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-1.5%-6.8%-8.5%69.9%
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
11.4%-3.9%26.8%41.2%
Share Price - - 7.6% 5.9%
 
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Interest Earned / Total Income10010099.4198.9899.6594.3361.2581.9986.4685.86
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)0000008.45.194.234.65
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)65.0724.4818.213.9620.4423.8641.4813.7614.6618.56
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 000000026.9318.4814.48
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
29.01%
43.49%
27.50%
Pledged *0.000.000.000.000.004.786.566.567.047.047.047.040.00
*  Pledged shares as % of Promoter's holding (%)
 
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