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

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 1,264.15

Change

+5.85 (+0.46)%

Market Cap

INR 399.10B

Volume

1.00M

Avg Analyst Target

INR 1,290.80 (+2.11%)

Avg User Target

INR
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

AU Small Finance Bank Limited (AUBANK) Stock Analysis:
Based on the AU Small Finance Bank Limited stock forecasts from 3 analysts, the average analyst target price for AU Small Finance Bank Limited is INR 1,290.80 over the next 12 months. AU Small Finance Bank Limited’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of AU Small Finance Bank Limited is Neutral, which is based on 6 positive signals and 6 negative signals. At the last closing, AU Small Finance Bank Limited’s stock price was INR 1,264.15. AU Small Finance Bank Limited’s stock price has changed by -33.15% over the past week, +155.15% over the past month and +37.36% over the last year.

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, escrow accounts, fixed and recurring de ...Read More

Company Website : https://www.aubank.in

Address : Bank House, Jaipur, India, 302001

Employees : 22,484

Fiscal Year End : March

Currency: INR

Country : India

Technical Indicators

Beta : 0.89

52 Week High : 1,389.85

52 Week Low : 842.50

200 Day Moving Average : 1,136.07

50 Day Moving Average : 1,152.04

Shares Held By Insiders : 37.42%

Shares Held by Institutions : 40.16%

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2022-01-19 )

Largest Industry Peers for Banks-Regional

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

-10.80 (-0.71%)

 INR8,462.58B 23.56 N/A
ICICIBANK:NSE ICICI Bank Limited

-14.50 (-1.76%)

 INR5,693.50B 27.23 N/A
SBIN:NSE State Bank of India

+9.00 (+1.78%)

 INR4,587.25B 16.01 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

-36.50 (-1.88%)

 INR3,843.71B 38.64 N/A
AXISBANK:NSE Axis Bank Limited

+4.40 (+0.61%)

 INR2,213.95B 22.18 N/A
INDUSINDBK:NSE IndusInd Bank Limited

-6.40 (-0.71%)

 INR714.38B 18.09 N/A
IDBI:NSE IDBI Bank Limited

+0.05 (+0.10%)

 INR560.74B 25.16 N/A
BANKBARODA:NSE Bank of Baroda

+3.60 (+3.90%)

 INR485.33B 12.15 N/A
BANDHANBNK:NSE Bandhan Bank Limited

+8.35 (+2.83%)

 INR485.23B 23.11 N/A
PNB:NSE Punjab National Bank

+0.90 (+2.30%)

 INR436.02B 11.06 N/A

ETFs Containing AUBANK

Symbol Name Weight Mer Price(Change) Market Cap
EUNI:F iShares III Public Limite.. 0.00 % 0.74 %

-0.63 (-0.80%)

 INR0.37B
EUNI:XETRA iShares III Public Limite.. 0.00 % 0.74 %

+0.08 (+0.10%)

 INR0.37B

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 21.96% 100% A+ 88% B+
Dividend Return N/A N/A N/A N/A N/A
Total Return 21.96% 100% A+ 88% B+
Trailing 12 Months  
Capital Gain 37.36% 74% C 39% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 37.36% 74% C 39% 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 21.06% 94% A 62% D-
Dividend Return 0.03% 5% F N/A N/A
Total Return 21.09% 94% A 61% D-
Risk Return Profile  
Volatility (Standard Deviation) 40.42% 41% F 70% C-
Risk Adjusted Return 52.16% 88% B+ 78% C+
Market Capitalization 399.10B 69% D+ 92% 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 35.32 15% F 32% F
Price/Book Ratio 5.37 6% F 22% F
Price / Cash Flow Ratio 7.89 24% F 57% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 19.32% 100% A+ 74% C
Return on Invested Capital -2.05% 26% F 17% F
Return on Assets 2.32% 100% A+ 40% F
Debt to Equity Ratio 112.02% 19% F 13% 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 0.89 79% C+ 49% 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 Ratings

Target Price Action Rating Action Analyst Rating Price Date
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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than 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.

Positive cash flow

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

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:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

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.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

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.