AUBANK:NSE-AU Small Finance Bank Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 1,260.70

Change

0.00 (0.00)%

Market Cap

INR 387.21B

Volume

1.38M

Average Target Price

INR 958.00 (-24.01%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

AU Small Finance Bank Limited provides various banking and financial services in India. It operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. The company offers savings and current accounts; fixed and recurring deposits; locker services; point of sale machines; mutual funds; general, fire, life, and health insurance products; and investment products. It also provides vehicle, commercial vehicle, tractor, two-wheeler, home, consumer finance and personal, gold, secured business, and agri-SME loans, as well as NBFC/HFC/MFI lending; business banking, trade finance and forex; and construction and builder finances. In addition, the company offers bank guarantee, letters of credit, discounting of letter of credit, clean bill discounting, import and export bill collections, and inward and outward remittance services; digital banking services, such as Internet, missed call and mobile banking; unified payment interface and Bharat bill payment systems; and EMI payment and other payments services; and government banking services to central government, states governments, central and state public sector undertakings, boards, defense, urban local bodies, and other government departments. As of March 31, 2020, it operated 406 bank branches, 122 banking outlets, 88 business correspondents, 31 asset centers, 13 offices, and 356 ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. AU Small Finance Bank Limited was founded in 1996 and is headquartered in Jaipur, India. Address: Bank House, Jaipur, India, 302001

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-06 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDFCBANK:NSE HDFC Bank Limited

N/A

INR8,431.55B 27.48 N/A
ICICIBANK:NSE ICICI Bank Limited

N/A

INR4,213.30B 27.82 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

N/A

INR3,809.66B 40.55 N/A
SBIN:NSE State Bank of India

N/A

INR3,423.93B 14.76 N/A
AXISBANK:NSE Axis Bank Limited

N/A

INR2,238.18B 71.29 N/A
INDUSINDBK:NSE IndusInd Bank Limited

N/A

INR804.00B 32.07 N/A
BANDHANBNK:NSE Bandhan Bank Limited

N/A

INR558.22B 21.29 N/A
PNB:NSE Punjab National Bank

N/A

INR436.92B 35.19 N/A
YESBANK:NSE Yes Bank Limited

N/A

INR417.18B 9.07 N/A
BANKBARODA:NSE Bank of Baroda

N/A

INR417.07B 13.56 N/A

ETFs Containing AUBANK

Symbol Name Weight Mer Price(Change) Market Cap
EUNI:F iShares MSCI EM Small Cap.. 0.00 % 0.74 %

N/A

INR0.27B
EUNI:XETRA iShares MSCI EM Small Cap.. 0.00 % 0.74 %

N/A

INR0.27B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 44.02% 85% B 92% A-
Dividend Return N/A N/A N/A N/A N/A
Total Return 44.02% 85% B 91% A-
Trailing 12 Months  
Capital Gain 11.20% 39% F 20% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 11.20% 39% F 19% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 4.96% 79% C+ 58% F
Dividend Return 0.03% 4% F 1% F
Total Return 4.99% 79% C+ 57% F
Risk Return Profile  
Volatility (Standard Deviation) 22.54% 79% C+ 84% B
Risk Adjusted Return 22.13% 82% B- 64% D
Market Capitalization 387.21B 68% D+ 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 34.74 32% F 31% F
Price/Book Ratio 7.04 3% F 13% F
Price / Cash Flow Ratio -6.37 91% A- 89% B+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 19.81% 100% A+ 89% B+
Return on Invested Capital -1.81% 36% F 21% F
Return on Assets 2.09% 94% A 50% F
Debt to Equity Ratio 236.14% 9% F 7% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.11 58% F 43% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.