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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

39,945.10
21.95
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

40,786.46
0.19%
2.50

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
19.75
21.25

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
4.05
-11.25

PAT CAGR (%)

10 Years
5 Years
3 Years

-
17.86
10.75

P:E (Median)

8 Years
5 Years
3 Years

-
31.73
31.91

P:BV (Average)

8 Years
5 Years
3 Years

-
4.72
4.25

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
22.16
21.66

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 22.98 29.1 37.41 47.51
P/E Ratio 25.67 20.27 15.77 12.42
Revenue 12301 10523 13108 16042
EBITDA
Net Income 1535 2087 2778 3528
ROA 1.5 1.6 1.6 1.7
P/Bk Ratio 3.14 2.61 2.25 1.92
ROE 13.04 14.18 15.22 16.65
FCFF
FCFF Yield

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 3,910.61 2,531.05 54.51% 3,769.04 2,458.34 53.32% 2,829.50 2,274.85 24.38% 2,735.82 2,118.07 29.17%
Expenses 1,480.56 1,026.73 44.20% 1,478.11 1,015.29 45.59% 1,228.50 975.35 25.95% 1,117.48 891.91 25.29%
EBITDA 2,430.05 1,504.32 61.54% 2,290.93 1,443.05 58.76% 1,601.00 1,299.50 23.20% 1,618.34 1,226.16 31.98%
EBIDTM 52.60% 55.67% 52.31% 57.36% 51.90% 55.33% 53.34% 56.35%
Other Income 637.96 406.42 56.97% 545.66 315.12 73.16% 555.62 333.06 66.82% 449.69 294.89 52.49%
Interest 1,936.25 1,282.09 51.02% 1,848.46 1,212.13 52.50% 1,492.47 1,061.65 40.58% 1,410.95 965.34 46.16%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 758.78 533.38 42.26% 668.89 513.06 30.37% 454.84 530.04 -14.19% 498.15 523.07 -4.76%
Tax 187.57 131.55 42.58% 166.32 126.16 31.83% 84.10 105.41 -20.22% 122.90 130.24 -5.64%
PAT 571.21 401.83 42.15% 502.57 386.90 29.90% 370.74 424.63 -12.69% 375.25 392.83 -4.48%
PATM 14.61% 15.88% 13.33% 15.74% 13.10% 18.67% 13.72% 18.55%
EPS 7.68 5.40 42.22% 6.76 5.20 30.00% 4.99 5.71 -12.61% 5.05 5.28 -4.36%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 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
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

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 13,244.97 10,554.71 8,205.41 5,921.73 4,950.05 4,285.88 2,949.13 1,767.19 1,280.00 Net Sales Growth 41.17% 28.63% 38.56% 19.63% 15.50% 45.33% 66.88% 38.06% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 13,244.97 10,554.71 8,205.41 5,921.73 4,950.05 4,285.88 2,949.13 1,767.19 1,280.00 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 5,304.65 10,301.18 7,375.23 5,461.35 4,912.48 4,078.00 2,830.91 1,711.90 946.61 Power & Fuel Cost - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 2,103.68 1,793.03 1,378.92 980.17 759.62 601.11 424.89 192.78 % Of Sales - 19.93% 21.85% 23.29% 19.80% 17.72% 20.38% 24.04% 15.06% Manufacturing Exp. - 4,464.80 3,440.27 2,412.77 1,658.43 1,417.86 1,082.61 752.61 352.83 % Of Sales - 42.30% 41.93% 40.74% 33.50% 33.08% 36.71% 42.59% 27.56% General & Admin Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 438.74 154.83 360.97 669.44 283.20 141.78 132.56 97.47 % Of Sales - 4.16% 1.89% 6.10% 13.52% 6.61% 4.81% 7.50% 7.61% EBITDA 7,940.32 253.53 830.18 460.38 37.57 207.88 118.22 55.29 333.39 EBITDA Margin 59.95% 2.40% 10.12% 7.77% 0.76% 4.85% 4.01% 3.13% 26.05% Other Income 2,188.93 1,745.89 1,034.46 993.69 1,420.93 706.09 461.91 388.06 809.96 Interest 6,688.13 5,397.63 3,780.13 2,687.61 2,584.61 2,376.94 1,606.53 826.73 496.31 Depreciation 0.00 225.44 185.42 140.17 104.37 88.62 61.75 53.25 5.78 PBT 2,380.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 560.89 464.71 436.72 324.24 287.82 239.19 198.32 151.31 321.37 Tax Rate 23.56% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 1,819.77 1,534.72 1,427.93 1,129.83 1,170.68 674.78 381.81 292.04 821.98 PAT before Minority Interest 1,819.77 1,534.72 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 0.00 PAT Margin 13.74% 14.54% 17.40% 19.08% 23.65% 15.74% 12.95% 16.53% 64.22% PAT Growth 13.30% 7.48% 26.38% -3.49% 73.49% 76.73% 30.74% -64.47% EPS 24.48 20.64 19.21 15.20 15.75 9.08 5.14 3.93 11.06

Description TTM Mar 17
Net Sales - 1,429.47 Net Sales Growth - Cost Of Goods Sold - 0.00 Gross Profit - 1,429.47 GP Margin - 100% Total Expenditure - 503.51 Power & Fuel Cost - 3.71 % Of Sales - 0.26% Employee Cost - 185.13 % Of Sales - 12.95% Manufacturing Exp. - 88.89 % Of Sales - 6.22% General & Admin Exp. - 61.84 % Of Sales - 4.33% Selling & Distn. Exp. - 0.00 % Of Sales - 0% Miscellaneous Exp. - 167.65 % Of Sales - 11.73% EBITDA - 925.96 EBITDA Margin - 64.78% Other Income - 97.87 Interest - 531.35 Depreciation - 6.09 PBT - 486.39 Tax - 321.37 Tax Rate - 29.70% PAT - 760.85 PAT before Minority Interest - 760.85 Minority Interest - 0.00 PAT Margin - 53.23% PAT Growth - EPS - 10.23

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 12,559.53 10,977.34 7,514.01 6,275.22 4,376.81 3,162.89 2,281.18 1,987.59 Share Capital 669.16 666.75 314.90 312.21 304.12 292.36 285.70 284.25 Total Reserves 11,827.64 10,266.57 7,157.78 5,859.89 4,020.56 2,652.59 1,977.98 1,697.19 Non-Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Liabilities 12,559.53 10,977.34 7,514.01 6,275.22 4,376.81 3,162.89 2,281.18 1,987.59 Net Block 784.13 707.29 608.67 477.37 438.26 439.68 380.38 35.98 Gross Block 1,587.06 1,340.48 1,061.02 796.68 658.98 576.62 461.36 65.83 Accumulated Depreciation 802.93 633.19 452.35 319.30 220.72 136.95 80.98 29.85 Non Current Assets 27,984.96 20,812.15 15,929.08 11,297.78 11,116.21 7,608.70 3,436.68 2,426.16 Capital Work in Progress 67.46 32.85 13.90 5.00 9.74 7.35 5.71 239.87 Non Current Investment 27,133.37 20,072.01 15,306.50 10,815.41 10,668.22 7,161.67 3,050.59 2,150.31 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Assets 27,984.96 20,812.15 15,929.08 11,297.78 11,116.21 7,608.70 3,436.68 2,426.16

Description Mar 17
Shareholder's Funds 1,987.59 Share Capital 284.25 Total Reserves 1,697.19 Non-Current Liabilities 5,052.51 Secured Loans 3,861.74 Unsecured Loans 1,075.00 Long Term Provisions 68.57 Current Liabilities 2,759.66 Trade Payables 0.00 Other Current Liabilities 1,757.96 Short Term Borrowings 994.05 Short Term Provisions 7.65 Total Liabilities 9,799.76 Net Block 35.98 Gross Block 65.83 Accumulated Depreciation 29.85 Non Current Assets 5,446.58 Capital Work in Progress 239.87 Non Current Investment 615.22 Long Term Loans & Adv. 19.46 Other Non Current Assets 18.28 Current Assets 4,353.18 Current Investments 1,535.10 Inventories 0.00 Sundry Debtors 0.00 Cash & Bank 624.50 Other Current Assets 2,193.59 Short Term Loans & Adv. 2,123.79 Net Current Assets 1,593.52 Total Assets 9,799.76

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 2,608.07 5,493.64 6,848.98 5,056.10 659.57 847.78 2,504.77 -2,404.86 PBT 1,999.43 1,864.64 1,454.07 1,458.51 913.98 580.13 443.35 1,143.34 Adjustment 790.94 447.28 605.55 777.20 387.35 223.94 176.46 35.40 Changes in Working Capital 306.13 3,551.66 5,174.22 3,134.72 -372.83 236.69 2,039.12 -3,263.21 Cash after chg. in Working capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -488.43 -369.93 -384.86 -314.33 -268.92 -192.98 -154.16 -320.39 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -4,854.76 -4,319.50 -4,753.37 -989.74 -1,267.45 -2,304.59 -1,889.55 552.44 Net Fixed Assets -281.19 -298.41 -273.24 -132.96 -84.75 -116.90 -161.37 Net Investments -7,061.36 -4,765.51 -4,491.09 -147.19 -3,506.55 -4,111.08 -900.28 Others 2,487.79 744.42 10.96 -709.59 2,323.85 1,923.39 -827.90 Cash from Financing Activity -802.15 2,322.52 -948.44 -2,654.70 2,237.36 1,435.79 521.04 2,447.97 Net Cash Inflow / Outflow -3,048.84 3,496.66 1,147.18 1,411.66 1,629.49 -21.03 1,136.26 595.55 Opening Cash & Equivalents 9,425.17 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96 29.41 Closing Cash & Equivalent 6,376.33 9,425.17 5,928.52 4,781.34 3,369.68 1,740.19 1,761.22 624.96

Description Mar 17
Cash From Operating Activity 884.30 PBT 1,082.21 Adjustment -579.19 Changes in Working Capital 701.41 Cash after chg. in Working capital 1,204.43 Interest Paid 0.00 Tax Paid -320.13 Other Direct Exp. Paid 0.00 Extra & Other Items 0.00 Cash From Investing Activity -1,800.22 Net Fixed Assets Net Investments Others Cash from Financing Activity 1,021.53 Net Cash Inflow / Outflow 105.62 Opening Cash & Equivalents 336.13 Closing Cash & Equivalent 441.75

Financial Ratios

Standalone /

Consolidated

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 186.75 163.98 118.65 98.84 142.20 100.73 79.23 69.71 ROA 1.54% 1.79% 1.87% 2.50% 1.81% 1.48% 2.04% 8.40% ROE 13.10% 15.52% 16.56% 22.31% 18.56% 14.66% 13.76% 41.48% ROCE 13.96% 14.98% 14.01% 15.60% 12.73% 11.87% 11.71% 18.00% Fixed Asset Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23.99 Receivable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Debt/Equity 0.44 0.58 0.80 1.14 2.39 2.92 3.37 3.59 Interest Cover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.29

Description Mar 17
Book Value (Rs.) 69.71 ROA 8.59% ROE 49.96% ROCE 19.73% Fixed Asset Turnover 23.15 Receivable days 0.00 Inventory Days 0.00 Payable days 0.00 Cash Conversion Cycle 0.00 Total Debt/Equity 3.57 Interest Cover 3.04

Top Investors:

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hdfc mutual fund - hdfc mid-cap opportunities fund

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aditya birla sun life trustee private limited a/c aditya birla sun life flexi cap fund

nippon life india trustee ltd-a/c nippon india growth fund

uttam tibrewal

Annual Reports:

News Update:

AU Small Finance Bank enters into partnership with Bharti AXA Life Insurance
28th Nov 2024, 15:58 PM

The partnership is for providing AU SFB’s customers with a comprehensive life insurance and financial security solutions
Read More
AU Small Finance Bank’s Q2 net profit rises 42% to Rs 571.21 crore
24th Oct 2024, 14:10 PM

Total bank of the company increased by 54.85% at Rs 4,548.58 crore for Q2FY25
Read More
AU Small Fin. Bank - Quarterly Results
23rd Oct 2024, 15:37 PM

Read More
AU Small Finance Bank enters into partnership with Niva Bupa Health Insurance
20th Sep 2024, 12:12 PM

This partnership is aimed to enable AU SFB to create affordable and transparent value proposition through technology and service modules
Read More

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

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 | MCap:Sales | EPS

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

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: