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

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 1,116.40

Change

0.00 (0.00)%

Market Cap

INR 349.56B

Volume

2.23M

Avg Analyst Target

INR 1,262.40 (+13.08%)

Avg User Target

INR
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, escrow accounts, fixed and recurring deposits, and COVID shield deposit; debit and credit cards; locker services; and investment products. It also provides car, commercial vehicle, tractor, two-wheeler, home, construction and equipment, business term, personal, gold, secured business, and real estate project loans; agri business credit and infrastructure loans, as well as lending to non-banking financial companies; and lease rental discounting loans, as well as cash credit and overdraft facilities. 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 and mobile banking, collection and receivables, and payment and other merchant payment 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. Further, the company provides point of sale machines; mutual funds; and home, travel, personal accident, two-wheller, motor, fire, life, and health insurance products. As of March 31, 2021, it operated 552 bank branches, 177 correspondents banking outlets, 15 business correspondents, and 343 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 incorporated 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: 2021-09-18 )

Largest Industry Peers for Banks-Regional

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

N/A

INR8,759.61B 26.68 N/A
ICICIBANK:NSE ICICI Bank Limited

N/A

INR4,992.85B 25.12 N/A
SBIN:NSE State Bank of India

N/A

INR4,052.67B 16.20 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

N/A

INR3,981.81B 40.18 N/A
AXISBANK:NSE Axis Bank Limited

N/A

INR2,477.05B 29.07 N/A
INDUSINDBK:NSE IndusInd Bank Limited

N/A

INR874.68B 24.79 N/A
BANDHANBNK:NSE Bandhan Bank Limited

N/A

INR462.67B 22.80 N/A
PNB:NSE Punjab National Bank

N/A

INR437.69B 12.48 N/A
BANKBARODA:NSE Bank of Baroda

N/A

INR425.60B 11.59 N/A
IDBI:NSE IDBI Bank Limited

N/A

INR420.96B 21.11 N/A

ETFs Containing AUBANK

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

N/A

INR0.39B
EUNI:XETRA iShares III Public Limite.. 0.00 % 0.74 %

N/A

INR0.39B

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 27.54% 64% D 40% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 27.54% 64% D 40% F
Trailing 12 Months  
Capital Gain 53.66% 58% F 39% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 53.66% 58% F 38% 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 17.50% 85% B 64% D
Dividend Return 0.03% 5% F 3% F
Total Return 17.53% 85% B 63% D
Risk Return Profile  
Volatility (Standard Deviation) 39.86% 39% F 68% D+
Risk Adjusted Return 43.97% 88% B+ 75% C
Market Capitalization 349.56B 65% 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 29.62 25% F 36% F
Price/Book Ratio 5.75 3% F 19% F
Price / Cash Flow Ratio -7.34 88% B+ 88% B+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 21.98% 100% A+ 86% B
Return on Invested Capital -2.05% 29% F 20% F
Return on Assets 2.50% 100% A+ 47% 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 90% A- 55% 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 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.

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.

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.