AU Small Finance Bank Ltd’s fundamental analysis highlights key financial metrics including market capitalization of ₹46,974.68 crore, PE ratio of 30.61, and return on equity of 13.04%. These figures reflect the company’s financial health and current market valuation. The debt-to-equity ratio is not provided.
Content:
- AU Small Finance Bank Ltd Overview
- AU Small Finance Bank Ltd Financial Results
- AU Small Finance Bank Limited Financial Analysis
- AU Small Finance Bank Company Metrics
- AU Small Finance Bank Ltd Stock Performance
- AU Small Finance Bank Peer Comparison
- AU Small Finance Bank Ltd Shareholding Pattern
- AU Small Finance Bank History
- How To Invest In AU Small Finance Bank LimitedShare?
- AU Small Finance Bank Limited Fundamental Analysis – FAQs
AU Small Finance Bank Ltd Overview
AU Small Finance Bank Ltd is an Indian small finance bank offering a range of banking and financial services. It operates in the banking sector, providing retail banking, wholesale banking, and treasury operations to various customer segments.
The company has a market capitalization of ₹46,974.68 crore and is listed on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Currently, the stock is trading 28.7% below its 52-week high and 14.14% above its 52-week low.
AU Small Finance Bank Ltd Financial Results
AU Small Finance Bank Ltd demonstrated strong financial performance in FY 24 compared to FY 23. Total income increased to ₹12,301 crore from ₹9,240 crore, while expenses rose to ₹9,862 crore from ₹7,220 crore. Net profit grew to ₹1,535 crore from ₹1,428 crore, reflecting improved profitability.
1. Revenue Trend: Total income increased from ₹9,240 crore in FY 23 to ₹12,301 crore in FY 24.
2. Equity and Liabilities: Total liabilities rose to ₹1,09,426 crore in FY 24 from ₹90,216 crore in FY 23. Equity capital increased to ₹669.16 crore from ₹666.75 crore.
3. Profitability: Operating profit improved to ₹2,438 crore in FY 24 from ₹2,019 crore in FY 23. PPOP margin decreased slightly from 21.86% in FY 23 to 19.82% in FY 24.
4. Earnings per Share (EPS): EPS rose to ₹22.98 in FY 24, up from ₹21.86 in FY 23.
5. Return on Net Worth (RoNW): The rise in reserves from ₹10,267 crore in FY 23 to ₹11,828 crore in FY 24 indicates a potential improvement in RoNW.
6. Financial Position: Total assets increased to ₹1,09,426 crore in FY 24 from ₹90,216 crore in FY 23, indicating stronger financial stability and growth.
AU Small Finance Bank Limited Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Total Income | 12,301 | 9,240 | 6,915 |
| Total Expenses | 9,862 | 7,220 | 5,100 |
| Pre-Provisioning Operating Profit | 2,438 | 2,019 | 1,815 |
| PPOP Margin (%) | 20 | 22 | 26 |
| Provisions and Contingencies | 903 | 155 | 361 |
| Profit Before Tax | 1,535 | 1,865 | 1,454 |
| Tax % | 23 | 23 | 22 |
| Net Profit | 1,535 | 1,428 | 1,130 |
| EPS | 23 | 22 | 36 |
| Net Interest Income | 5,157 | 4,425 | 3,234 |
| NIM (%) | 6 | 6 | 6 |
| Dividend Payout % | 4.35 | 4.57 | 1.39 |
* Consolidated Figures in Rs. Crores
AU Small Finance Bank Company Metrics
AU Small Finance Banks’ market cap is ₹46,974.68 crore with a book value of ₹188 per share. The face value per share is ₹10. Total debt is not provided, ROE is 13.04%, and quarterly EBITDA is ₹668.89 crore. The dividend yield stands at 0.14%.
Market Capitalization:
Market Capitalization represents the total market value of AU Small Finance Bank’s outstanding shares, amounting to ₹46,974.68 crore.
Book Value:
The book value per share of AU Small Finance Bank is ₹188 indicating the value of the company’s net assets divided by its shares outstanding.
Face Value:
The face value of AU Small Finance Bank’s shares is ₹10, which is the nominal value of each share as stated on the share certificate.
Asset Turnover Ratio:
The Asset Turnover Ratio of 0.12 measures how efficiently AU Small Finance Bank uses its assets to generate sales revenue or sales income.
Total Debt:
The Total Debt information is not provided in the given data.
Return on Equity (ROE):
The ROE of 13.04% measures AU Small Finance Bank’s profitability by revealing how much profit the company generates with the money shareholders have invested.
EBITDA (Q):
The quarterly EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) of AU Small Finance Bank is ₹668.89 crore, indicating the company’s operating performance.
Dividend Yield:
The dividend yield of 0.14% shows the annual dividend payment as a percentage of AU Small Finance Bank’s current share price, indicating the return on investment from dividends alone.
AU Small Finance Bank Ltd Stock Performance
AU Small Finance Bank Ltd has shown a 1-year return on investment of -13.5%, a 3-year return of -2.76%, and a 5-year return of 11.9%. These returns highlight fluctuations in short-term performance but moderate growth potential in the long term.
| Period | Return on Investment (%) |
| 1 Year | -13.5 |
| 3 Years | -2.76 |
| 5 Years | 11.9 |
Example: If an investor had invested ₹1,000 in the stock:
1 year ago, their investment would be worth ₹865.
3 years ago, their investment would have decreased to approximately ₹972.40.
5 years ago, their investment would have grown to approximately ₹1,119.
AU Small Finance Bank Peer Comparison
AU Small Finance Bank Ltd has a CMP of ₹610 and a market cap of ₹45,339 crore. With a P/E of 30.61 and ROE of 13%, it shows strong growth potential despite a -14% 1-year return, standing out among peers like HDFC and ICICI Bank.
| Name | CMP Rs. | Mar Cap Rs.Cr. | P/E | ROE % | EPS 12M Rs. | 1Yr return % | ROCE % | Div Yld % |
| HDFC Bank | 1,660 | 12,65,117 | 19 | 17 | 90 | 3 | 8 | 1.17 |
| ICICI Bank | 1,173 | 8,25,206 | 18 | 19 | 65 | 23 | 8 | 0.85 |
| Axis Bank | 1,164 | 3,59,616 | 13 | 18 | 87 | 24 | 7.06 | 0.09 |
| Kotak Mah. Bank | 1,773 | 3,52,444 | 19 | 15 | 108 | -1.06 | 7.86 | 0.11 |
| IndusInd Bank | 1,351 | 1,05,163 | 12 | 15 | 115 | -3 | 8 | 1.22 |
| IDBI Bank | 96 | 1,03,018 | 16 | 12 | 6 | 49 | 6.23 | 1.57 |
| Yes Bank | 24 | 76,554 | 53 | 3 | 0 | 43 | 5.83 | – |
| AU Small Finance | 610 | 45,339 | 31 | 13 | 24 | -14 | 8 | 0.16 |
AU Small Finance Bank Ltd Shareholding Pattern
AU Small Finance Bank Ltd has shown significant shareholding changes over recent quarters. As of June 2024, promoters hold 22.92%, down from 25.45% in March 2024. FIIs own 39.58%, DIIs hold 18.44%, and retail investors’ share increased to 19.06% from 12.4% in March 2024.
| All values in % | Jun-24 | Mar-24 | Dec-23 |
| Promoters Insight-icon | 22.92 | 25.45 | 25 |
| FII | 39.58 | 39.37 | 41.13 |
| DII | 18.44 | 22.77 | 20.81 |
| Retail & others | 19.06 | 12.4 | 12.63 |
AU Small Finance Bank History
AU Small Finance Bank Limited began as a non-deposit-accepting non-banking financial company (NBFC-ND) in India. The company has since transformed into a small finance bank, offering a comprehensive range of banking and financial services to its customers.
The bank operates through three main segments: treasury, retail banking, and wholesale banking. The treasury segment manages the bank’s investment portfolio and money market operations. Retail banking serves individual customers through a network of branches and digital channels, offering various personal banking products and services.
AU Small Finance Bank’s wholesale banking segment caters to large corporates, public sector units, and medium-scale enterprises. The bank provides a variety of loan products, including car loans, home loans, personal loans, and tractor loans. This diverse product portfolio allows AU Small Finance Bank to serve a wide range of customer needs across different market segments.
How To Invest In AU Small Finance Bank LimitedShare?
To invest in AU Small Finance Bank Limited shares, begin by opening a demat account with Alice Blue. Complete the necessary KYC process and fund your account with the desired investment amount.
Research the company’s fundamentals, financial performance, and market trends before making an investment decision. Use the trading platform provided by the broker to place a buy order for AU Small Finance Bank shares at your preferred price.
Monitor your investment regularly and stay informed about company news and market developments. Consider setting up a systematic investment plan (SIP) for long-term investing in the stock if it aligns with your financial goals.
AU Small Finance Bank Limited Fundamental Analysis – FAQs
Fundamental analysis of AU Small Finance Bank Ltd examines key financial metrics: Market Cap (₹46,974.68 crore), PE Ratio (30.61), and Return on Equity (13.04%). These indicators provide insights into the bank’s financial health, market valuation, and profitability. The debt-to-equity ratio is not provided.
The market capitalization of AU Small Finance Bank Ltd is ₹46,974.68 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current share price by the total number of shares outstanding.
AU Small Finance Bank Limited is an Indian small finance bank that provides a range of banking and financial services. It offers retail and wholesale banking services, including savings accounts, loans, and treasury operations, catering to individual customers, businesses, and corporations.
AU Small Finance Bank is a public limited company. While the promoter group, led by Sanjay Agarwal, holds a significant stake, it is a listed company with multiple shareholders including institutional investors and public shareholders.
The main shareholders of AU Small Finance Bank Ltd typically include the promoter group (led by Sanjay Agarwal), institutional investors (both domestic and foreign), mutual funds, and public shareholders. For the most current shareholding information, refer to the latest pattern disclosed by the company.
AU Small Finance Bank operates in the banking and financial services industry. Specifically, it is classified as a small finance bank, focusing on providing banking services to underserved and unbanked segments of the population, as well as small businesses and entrepreneurs.
To invest in AU Small Finance Bank shares, open a demat account with Alice Blue. Complete the KYC process and fund your account. Research the company thoroughly, then use the trading platform to place a buy order for the desired number of shares at your preferred price.
Determining if AU Small Finance Bank is overvalued or undervalued requires a comprehensive analysis of its financials, growth prospects, industry trends, and market conditions. Investors should consider metrics like P/E ratio, and price-to-book value, and compare them with industry peers and historical values for a balanced assessment.
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