BSE:540611

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AU Small Finance Bank

Executive Summary

AU Small Finance Bank Limited provides various banking and financial services in India. More Details


Snowflake Analysis

Excellent balance sheet with proven track record.


Similar Companies

Share Price & News

How has AU Small Finance Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 540611 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: 540611's weekly volatility (5%) has been stable over the past year.


Market Performance


7 Day Return

2.8%

540611

0.6%

IN Banks

-0.4%

IN Market


1 Year Return

4.7%

540611

-3.4%

IN Banks

15.9%

IN Market

Return vs Industry: 540611 exceeded the Indian Banks industry which returned -3.4% over the past year.

Return vs Market: 540611 underperformed the Indian Market which returned 15.9% over the past year.


Shareholder returns

540611IndustryMarket
7 Day2.8%0.6%-0.4%
30 Day-2.6%3.2%5.0%
90 Day25.9%33.6%24.4%
1 Year4.7%4.7%-3.4%-3.4%18.1%15.9%
3 Year28.2%28.0%-24.3%-25.0%9.7%4.4%
5 Yearn/a35.1%32.1%82.3%68.5%

Long-Term Price Volatility Vs. Market

How volatile is AU Small Finance Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is AU Small Finance Bank undervalued compared to its fair value and its price relative to the market?

33.32x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 540611 (₹919.2) is trading above our estimate of fair value (₹127.86)

Significantly Below Fair Value: 540611 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 540611 is poor value based on its PE Ratio (33.3x) compared to the IN Banks industry average (21.8x).

PE vs Market: 540611 is poor value based on its PE Ratio (33.3x) compared to the Indian market (19.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 540611's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 540611 is overvalued based on its PB Ratio (5.7x) compared to the IN Banks industry average (1x).


Next Steps

Future Growth

How is AU Small Finance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

19.2%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as AU Small Finance Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has AU Small Finance Bank performed over the past 5 years?

17.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 540611 has a high level of non-cash earnings.

Growing Profit Margin: 540611's current net profit margins (32.6%) are higher than last year (28.6%).


Past Earnings Growth Analysis

Earnings Trend: 540611's earnings have grown by 17.6% per year over the past 5 years.

Accelerating Growth: 540611's earnings growth over the past year (44.8%) exceeds its 5-year average (17.6% per year).

Earnings vs Industry: 540611 earnings growth over the past year (44.8%) exceeded the Banks industry 2.7%.


Return on Equity

High ROE: 540611's Return on Equity (17%) is considered low.


Next Steps

Financial Health

How is AU Small Finance Bank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 540611's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: Insufficient data to determine if 540611 has a sufficient allowance for bad loans.

Low Risk Liabilities: 69% of 540611's liabilities are made up of primarily low risk sources of funding.

Loan Level: 540611 has an appropriate level of Loans to Assets ratio (62%).

Low Risk Deposits: 540611's Loans to Deposits ratio (101%) is appropriate.

Level of Bad Loans: 540611 has an appropriate level of bad loans (1.6%).


Next Steps

Dividend

What is AU Small Finance Bank current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 540611's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 540611's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 540611's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 540611's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: 540611 is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 540611's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.6yrs

Average management tenure


CEO

Sanjay Agarwal (49 yo)

12.92yrs

Tenure

₹23,095,000

Compensation

Mr. Sanjay Agarwal, C.A, has been Managing Director of AU Small Finance Bank since February 14, 2008 and serves as its Chief Executive Officer. Mr. Agarwal serves as Managing Director at Au Housing Finance...


CEO Compensation Analysis

Compensation vs Market: Sanjay's total compensation ($USD315.73K) is below average for companies of similar size in the Indian market ($USD729.45K).

Compensation vs Earnings: Sanjay's compensation has increased by more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Sanjay Agarwal
MD, CEO & Director12.92yrs₹23.10m22.95%
₹ 64.7b
Vimal Jain
Chief Financial Officer0.75yr₹14.80m0.017%
₹ 47.1m
Deepak Jain
Chief Operating Officer0.75yr₹16.48m0.43%
₹ 1.2b
Manmohan Parnami
Company Secretary & Compliance Officer4.08yrs₹4.78m0.024%
₹ 67.8m
Uttam Tibrewal
Whole Time Director16yrs₹34.34m1.76%
₹ 5.0b
Vijendra Shekhawat
Chief of Operations - Assets8.67yrs₹23.10m0.0082%
₹ 23.2m
Yogesh Soni
Chief of Branch Banking Operationsno data₹12.40m0.0050%
₹ 14.1m
Vivek Tripathi
Chief of Strategy Business Solutions & Transaction Banking6.75yrs₹16.40m0.017%
₹ 46.6m
Nitin Gupta
Chief Audit Officer4.58yrs₹10.50m0.0051%
₹ 14.3m
Priyam Alok
Chief of Business Banking4.58yrs₹28.10m0.026%
₹ 74.2m
Shekhar Shukla
Chief of Operations - Branch Banking4.42yrs₹18.30m0.0089%
₹ 25.2m
Aditya Sharma
Chief Technical Officer Mortgageno data₹11.00m0.0063%
₹ 17.8m

4.6yrs

Average Tenure

41yo

Average Age

Experienced Management: 540611's management team is considered experienced (4.6 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Sanjay Agarwal
MD, CEO & Director12.92yrs₹23.10m22.95%
₹ 64.7b
Uttam Tibrewal
Whole Time Director16yrs₹34.34m1.76%
₹ 5.0b
Jyoti Ishwar Narang
Non-Executive Independent Director5.83yrs₹2.08m0.0017%
₹ 4.8m
Mankal Sriram
Independent Director1.25yrs₹760.00kno data
Krishan Rathi
Non-Executive Independent Director12.33yrs₹2.28m0.027%
₹ 76.6m
Raj Verma
Independent Non-Executive Part-Time Chairman0.75yr₹2.31mno data
Pushpinder Singh
Independent Director1.25yrs₹835.00k0.000030%
₹ 84.6k
Vellur Kannan
Independent Director1yr₹341.00k0%
₹ 0

3.5yrs

Average Tenure

60.5yo

Average Age

Experienced Board: 540611's board of directors are considered experienced (3.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: 540611 insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

AU Small Finance Bank Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: AU Small Finance Bank Limited
  • Ticker: 540611
  • Exchange: BSE
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: ₹281.972b
  • Shares outstanding: 306.76m
  • Website: https://www.aubank.in

Number of Employees


Location

  • AU Small Finance Bank Limited
  • Bank House
  • Mile 0, Ajmer Road
  • Jaipur
  • Rajasthan
  • 302001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
540611BSE (Mumbai Stock Exchange)YesEquity SharesININRJul 2017
AUBANKNSEI (National Stock Exchange of India)YesEquity SharesININRJul 2017

Biography

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 o...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/16 12:05
End of Day Share Price2021/01/15 00:00
Earnings2020/09/30
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.