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AU Small Finance Bank Ltd. Stock Analysis

Large Cap
Evaluated by 790 users | BSE: 540611 | NSE: AUBANK |
Bank - Private

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
AU Small Finance Bank Ltd. has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Net Interest Income (Rs. Cr.)1592532132784056157849401,3431,909
Y-o-Y Gr. Rt.33-59.6%-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%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
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
To view Net NPA to Net Advances (%) Colour Rating Guide click here
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
To view Capital Adequacy Ratio Colour Rating Guide click here
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 21.99%
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
AU Small Finance Bank Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  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
11.4%-3.9%26.8%41.2%
Share Price - - 5.5% 1.2%
Key Financial Ratios
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
To view Margins Colour Rating Guide click here
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
To view Performance Ratios Colour Rating Guide click here
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
To view Liquidity Ratio Colour Rating Guide click here
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 000000026.9318.4814.48
Entity Percentage Holding
Promoters 29.01%
Institutions 43.49%
Non-Institutions 27.50%
Pledged *0.000.004.786.566.567.047.047.047.040.00
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of AU Small Fin. Bank and arrived at the following conclusion:

Past 10 year's financial track record indicates that AU Small Fin. Bank is a average quality company. However, for specific investment actions please connect with your investment advisor.

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Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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