Nifty

14371.90

Sensex

48878.54

-218.45 (-1.50%)
-746.22 (-1.50%)

Nifty
Sensex

:
:

14371.90
48878.54

-218.45 (-1.50%)
-746.22 (-1.50%)

AU Small Finance Bank Ltd.

Small Finance Bank

Rating :

56/99 (View)

BSE: 540611 | NSE: AUBANK

Watchlist

NSE BSE

896.60

-16.70 (-1.83%)

22-Jan-2021 | 4:00PM

Day's Open
Day's High
Day's Low
Previous Close

913.60
914.35
881.10
913.30

Volume
Traded Value (lacs)
52 Week High
52 Week Low

658015
5899.76
1218.00
366.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

27,428.82
32.84
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

36,714.50
N/A
5.63

Chart

Price | P:E | P:BV | EV:EBITDA

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
-
34.35

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
30.33

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
32.20

P:E (Median)

8 Years
5 Years
3 Years

-
-
41.65

P:BV (Average)

8 Years
5 Years
3 Years

-
-
5.07

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
30.36

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Net Sales 1,212.45 1,033.43 17.32% 1,184.12 957.39 23.68% 1,183.45 876.89 34.96% 1,111.62 788.46 40.99%
Expenses 380.02 324.68 17.04% 296.06 315.68 -6.22% 422.30 301.77 39.94% 355.20 275.20 29.07%
EBITDA 832.44 708.75 17.45% 888.06 641.71 38.39% 761.15 575.12 32.35% 756.42 513.26 47.38%
EBIDTM 63.92% 62.68% 59.69% 63.74% 51.59% 61.11% 64.44% 60.98%
Other Income 285.69 150.79 89.46% 225.80 210.94 7.04% 183.15 130.55 40.29% 161.22 105.84 52.32%
Interest 651.82 581.84 12.03% 668.26 561.81 18.95% 628.51 490.00 28.27% 604.78 440.43 37.32%
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 408.91 216.69 88.71% 264.34 259.33 1.93% 165.21 176.44 -6.36% 272.74 146.21 86.54%
Tax 87.03 44.75 94.48% 63.53 69.00 -7.93% 42.89 58.21 -26.32% 82.55 50.88 62.24%
PAT 321.88 171.94 87.20% 200.81 190.32 5.51% 122.32 118.24 3.45% 190.20 95.33 99.52%
PATM 26.55% 16.64% 16.96% 19.88% 10.34% 13.48% 17.11% 12.09%
EPS 10.49 5.60 87.32% 6.55 6.20 5.65% 3.99 3.85 3.64% 6.20 3.11 99.36%

Description Sep 20 Sep 19 Var% Jun 20 Jun 19 Var% Mar 20 Mar 19 Var% Dec 19 Dec 18 Var%
Net Sales 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBITDA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PBT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Tax 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PAT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Description TTM Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 4,691.64 4,285.88 2,949.13 1,767.19 1,280.00 Net Sales Growth 28.32% 45.33% 66.88% 38.06% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 Gross Profit 4,691.64 4,285.88 2,949.13 1,767.19 1,280.00 GP Margin 100.00% 100% 100% 100% 100% Total Expenditure 1,453.58 4,078.00 2,830.91 1,711.90 946.61 Power & Fuel Cost - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Employee Cost - 759.62 601.11 424.89 192.78 % Of Sales - 17.72% 20.38% 24.04% 15.06% Manufacturing Exp. - 1,417.86 1,082.61 752.61 352.83 % Of Sales - 33.08% 36.71% 42.59% 27.56% General & Admin Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Miscellaneous Exp. - 283.20 141.78 132.56 97.47 % Of Sales - 6.61% 4.81% 7.50% 7.61% EBITDA 3,238.07 207.88 118.22 55.29 333.39 EBITDA Margin 69.02% 4.85% 4.01% 3.13% 26.05% Other Income 855.86 706.09 461.91 388.06 809.96 Interest 2,553.37 2,376.94 1,606.53 826.73 496.31 Depreciation 0.00 88.62 61.75 53.25 5.78 PBT 1,111.20 0.00 0.00 0.00 0.00 Tax 276.00 239.19 198.32 151.31 321.37 Tax Rate 24.84% 0.00% 0.00% 0.00% 0.00% PAT 835.21 674.78 381.81 292.04 821.98 PAT before Minority Interest 835.21 674.78 381.81 292.04 821.98 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 17.80% 15.74% 12.95% 16.53% 64.22% PAT Growth 45.04% 76.73% 30.74% -64.47% Unadjusted EPS 27.22 21.99 12.44 9.52 26.79

Description

TTM

Mar 20

Mar 19

Mar 18

Mar 17

Net Sales

4,691.64

4,285.88

2,949.13

1,767.19

1,280.00

Net Sales Growth

28.32%

45.33%

66.88%

38.06%

Cost Of Goods Sold

0.00

Gross Profit

4,691.64

4,285.88

2,949.13

1,767.19

1,280.00

GP Margin

100.00%

100%

Total Expenditure

1,453.58

4,078.00

2,830.91

1,711.90

946.61

Power & Fuel Cost

0.00

% Of Sales

Employee Cost

759.62

601.11

424.89

192.78

% Of Sales

17.72%

20.38%

24.04%

15.06%

Manufacturing Exp.

1,417.86

1,082.61

752.61

352.83

% Of Sales

33.08%

36.71%

42.59%

27.56%

General & Admin Exp.

0.00

% Of Sales

Selling & Distn. Exp.

0.00

% Of Sales

Miscellaneous Exp.

283.20

141.78

132.56

97.47

% Of Sales

6.61%

4.81%

7.50%

7.61%

EBITDA

3,238.07

207.88

118.22

55.29

333.39

EBITDA Margin

69.02%

4.85%

4.01%

3.13%

26.05%

Other Income

855.86

706.09

461.91

388.06

809.96

Interest

2,553.37

2,376.94

1,606.53

826.73

496.31

Depreciation

0.00

88.62

61.75

53.25

5.78

PBT

1,111.20

0.00

Tax

276.00

239.19

198.32

151.31

321.37

Tax Rate

24.84%

0.00%

PAT

835.21

674.78

381.81

292.04

821.98

PAT before Minority Interest

835.21

674.78

381.81

292.04

821.98

Minority Interest

0.00

PAT Margin

17.80%

15.74%

12.95%

16.53%

64.22%

PAT Growth

45.04%

76.73%

30.74%

-64.47%

Unadjusted EPS

27.22

21.99

12.44

9.52

26.79

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 - Unadjusted EPS - 24.80

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

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

Unadjusted EPS

24.80

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 4,376.81 3,162.89 2,281.18 1,987.59 Share Capital 304.12 292.36 285.70 284.25 Total Reserves 4,020.56 2,652.59 1,977.98 1,697.19 Non-Current Liabilities 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 Total Liabilities 4,376.81 3,162.89 2,281.18 1,987.59 Net Block 438.26 439.68 380.38 35.98 Gross Block 658.98 576.62 461.36 65.83 Accumulated Depreciation 220.72 136.95 80.98 29.85 Non Current Assets 11,116.21 7,608.70 3,436.68 2,426.16 Capital Work in Progress 9.74 7.35 5.71 239.87 Non Current Investment 10,668.22 7,161.67 3,050.59 2,150.31 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 Total Assets 11,116.21 7,608.70 3,436.68 2,426.16

Description

Mar 20

Mar 19

Mar 18

Mar 17

Shareholder's Funds

4,376.81

3,162.89

2,281.18

1,987.59

Share Capital

304.12

292.36

285.70

284.25

Total Reserves

4,020.56

2,652.59

1,977.98

1,697.19

Non-Current Liabilities

0.00

Secured Loans

0.00

Unsecured Loans

0.00

Long Term Provisions

0.00

Current Liabilities

0.00

Trade Payables

0.00

Other Current Liabilities

0.00

Short Term Borrowings

0.00

Short Term Provisions

0.00

Total Liabilities

4,376.81

3,162.89

2,281.18

1,987.59

Net Block

438.26

439.68

380.38

35.98

Gross Block

658.98

576.62

461.36

65.83

Accumulated Depreciation

220.72

136.95

80.98

29.85

Non Current Assets

11,116.21

7,608.70

3,436.68

2,426.16

Capital Work in Progress

9.74

7.35

5.71

239.87

Non Current Investment

10,668.22

7,161.67

3,050.59

2,150.31

Long Term Loans & Adv.

0.00

Other Non Current Assets

0.00

Current Assets

0.00

Current Investments

0.00

Inventories

0.00

Sundry Debtors

0.00

Cash & Bank

0.00

Other Current Assets

0.00

Short Term Loans & Adv.

0.00

Net Current Assets

0.00

Total Assets

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

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 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 659.57 847.78 2,504.77 -2,404.86 PBT 913.98 580.13 443.35 1,143.34 Adjustment 387.35 223.94 176.46 35.40 Changes in Working Capital -372.83 236.69 2,039.12 -3,263.21 Cash after chg. in Working capital 0.00 0.00 0.00 0.00 Interest Paid 0.00 0.00 0.00 0.00 Tax Paid -268.92 -192.98 -154.16 -320.39 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,267.45 -2,304.59 -1,889.55 552.44 Net Fixed Assets -84.75 -116.90 -161.37 Net Investments -3,506.55 -4,111.08 -900.28 Others 2,323.85 1,923.39 -827.90 Cash from Financing Activity 2,237.36 1,435.79 521.04 2,447.97 Net Cash Inflow / Outflow 1,629.49 -21.03 1,136.26 595.55 Opening Cash & Equivalents 1,740.19 1,761.22 624.96 29.41 Closing Cash & Equivalent 3,369.68 1,740.19 1,761.22 624.96

Description

Mar 20

Mar 19

Mar 18

Mar 17

Cash From Operating Activity

659.57

847.78

2,504.77

-2,404.86

PBT

913.98

580.13

443.35

1,143.34

Adjustment

387.35

223.94

176.46

35.40

Changes in Working Capital

-372.83

236.69

2,039.12

-3,263.21

Cash after chg. in Working capital

0.00

Interest Paid

0.00

Tax Paid

-268.92

-192.98

-154.16

-320.39

Other Direct Exp. Paid

0.00

Extra & Other Items

0.00

Cash From Investing Activity

-1,267.45

-2,304.59

-1,889.55

552.44

Net Fixed Assets

-84.75

-116.90

-161.37

Net Investments

-3,506.55

-4,111.08

-900.28

Others

2,323.85

1,923.39

-827.90

Cash from Financing Activity

2,237.36

1,435.79

521.04

2,447.97

Net Cash Inflow / Outflow

1,629.49

-21.03

1,136.26

595.55

Opening Cash & Equivalents

1,740.19

1,761.22

624.96

29.41

Closing Cash & Equivalent

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

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 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 142.20 100.73 79.23 69.71 ROA 1.81% 1.48% 2.04% 8.40% ROE 18.56% 14.66% 13.76% 41.48% ROCE 12.73% 11.87% 11.71% 18.00% Fixed Asset Turnover 0.00 0.00 0.00 23.99 Receivable days 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 Total Debt/Equity 2.39 2.92 3.37 3.59 Interest Cover 0.00 0.00 0.00 3.29

Description

Mar 20

Mar 19

Mar 18

Mar 17

Book Value (Rs.)

142.20

100.73

79.23

69.71

ROA

1.81%

1.48%

2.04%

8.40%

ROE

18.56%

14.66%

13.76%

41.48%

ROCE

12.73%

11.87%

11.71%

18.00%

Fixed Asset Turnover

0.00

23.99

Receivable days

0.00

Inventory Days

0.00

Payable days

0.00

Cash Conversion Cycle

0.00

Total Debt/Equity

2.39

2.92

3.37

3.59

Interest Cover

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

Annual Reports:

News Update

AU Small Finance Bank forays into Odisha with branch launch in Bhubaneswar
22nd Jan 2021, 09:27 AM

With the launch of this branch, AU Bank now has over 730 plus banking touch points in 15 states and 2 union territories
Read More
AU Small Finance Bank enters into partnership with ICICI Prudential Life Insurance
29th Dec 2020, 09:05 AM

The partnership aims to offer customized, need and goal-based Life Insurance solution
Read More
AU Small Finance Bank launches new Mobile Banking App, NetBanking Portal
24th Dec 2020, 09:54 AM

The simple and intuitive user interface is designed to encourage adoption beyond urban markets and tech savvy customers
Read More
CRISIL assigns rating to AU Small Finance Bank’s Fixed Deposit Programme
4th Dec 2020, 11:55 AM

Further, the Rating Agency has reaffirmed Long term rating at ‘AA-/Stable’ and Short-term Rating at ‘A1+’
Read More
AU Small Finance Bank makes strategic investment of Rs 7.70 crore in NPCI
27th Nov 2020, 09:03 AM

NPCI is an umbrella organization for operating retail payments and settlement systems in India
Read More
AU Small Finance Bank sells 4.46% stakes in Aavas Financiers
24th Nov 2020, 10:30 AM

Post aforesaid sale the balance shareholding stands at 3,383 equity shares in AAVAS
Read More
AU Small Finance Bank starts operations in eastern India
13th Nov 2020, 09:30 AM

Since the start of banking operations three and half years ago, AU has presently 710 touchpoints in 13 states and two UTs
Read More
AU Small Finance Bank enters into agreement with Care Health Insurance Company
4th Nov 2020, 09:18 AM

This tie up shall be mutually beneficial for Care Health Insurance Company & AU Small Finance Bank in terms of business, market penetration and reach
Read More
AU Small Finance Bank reports 87% rise in Q2
29th Oct 2020, 15:15 PM

Total income of the bank increased 26.51% at Rs 1498.15 crore for Q2FY21
Read More
AU Small Fin. Bank - Quarterly Results
28th Oct 2020, 17:44 PM

Read More
AU Small Finance Bank experiencing 23% increase in per day debit card spends
27th Oct 2020, 09:59 AM

The ‘AU Shopping Dhamaka’ was launched on September 21, 2020 and will go on till November 22, 2020
Read More

AU Small Finance Bank Ltd.

Small Finance Bank

BSE: 540611 | NSE: AUBANK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

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 /

Annual Reports:

News Update