AU Small Finance Bank
Market Cap
₹356.8b
Last Updated
2020/02/21 13:14 UTC
Data Sources
Company Financials
Executive Summary
AU Small Finance Bank Limited provides various banking and financial services in India.
Rewards
Risk Analysis
Snowflake Analysis
Solid track record with adequate balance sheet.
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: AUBANK's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
2.5%
AUBANK
-1.5%
IN Banks
-0.7%
IN Market
1 Year Return
104.3%
AUBANK
7.5%
IN Banks
10.0%
IN Market
Return vs Industry: AUBANK exceeded the Indian Banks industry which returned 7.5% over the past year.
Return vs Market: AUBANK exceeded the Indian Market which returned 10% over the past year.
Shareholder returns
| AUBANK | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.5% | -1.5% | -0.7% |
| 30 Day | 32.4% | -1.4% | -0.3% |
| 90 Day | 46.4% | -2.6% | 3.2% |
| 1 Year | 104.6%104.3% | 7.9%7.5% | 12.0%10.0% |
| 3 Year | n/a | 13.0%11.7% | 23.9%17.1% |
| 5 Year | n/a | 15.1%11.4% | 38.3%25.6% |
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
3 days ago | Simply Wall St
What Is AU Small Finance Bank's (NSE:AUBANK) P/E Ratio After Its Share Price Rocketed?3 weeks ago | Simply Wall St
What Is AU Small Finance Bank's (NSE:AUBANK) P/E Ratio After Its Share Price Rocketed?4 weeks ago | Simply Wall St
Here's Why I Think AU Small Finance Bank (NSE:AUBANK) Might Deserve Your Attention TodayValuation
Is AU Small Finance Bank undervalued compared to its fair value and its price relative to the market?
51.32x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AUBANK (₹1174.6) is trading above our estimate of fair value (₹67.98)
Significantly Below Fair Value: AUBANK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AUBANK is poor value based on its PE Ratio (51.3x) compared to the Banks industry average (18.1x).
PE vs Market: AUBANK is poor value based on its PE Ratio (51.3x) compared to the Indian market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AUBANK's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: AUBANK is overvalued based on its PB Ratio (9.8x) compared to the IN Banks industry average (0.6x).
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?
18.7%
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
- Check out AU Small Finance Bank's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- AU Small Finance Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
Past Performance
How has AU Small Finance Bank performed over the past 5 years?
14.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AUBANK has high quality earnings.
Growing Profit Margin: AUBANK's current net profit margins (30.2%) are higher than last year (22%).
Past Earnings Growth Analysis
Earnings Trend: AUBANK's earnings have grown by 14.7% per year over the past 5 years.
Accelerating Growth: AUBANK's earnings growth over the past year (93.5%) exceeds its 5-year average (14.7% per year).
Earnings vs Industry: AUBANK earnings growth over the past year (93.5%) exceeded the Banks industry 25.5%.
Return on Equity
High ROE: AUBANK's Return on Equity (19.1%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: AUBANK has a low level of unsold assets or inventory.
Debt Coverage by Assets: AUBANK's debt is not covered by short term assets (assets are 0.2x debt).
Financial Institutions Analysis
Asset Level: AUBANK's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if AUBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: AUBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUBANK has an acceptable proportion of non-loan assets held.
Low Risk Deposits: AUBANK's loans are broadly funded by customer deposits.
Level of Bad Loans: AUBANK has a high level of bad loans (2.03%)
Next Steps
Dividend
What is AU Small Finance Bank's current dividend yield, its reliability and sustainability?
0.063%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: AUBANK's dividend (0.063%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.59%).
High Dividend: AUBANK's dividend (0.063%) is low compared to the top 25% of dividend payers in the Indian market (2.56%).
Stability and Growth of Payments
Stable Dividend: AUBANK is not paying a notable dividend for the Indian market, therefore no need to check if payments are stable.
Growing Dividend: AUBANK is not paying a notable dividend for the Indian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: AUBANK is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of AUBANK'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?
7.8yrs
Average management tenure
CEO
Sanjay Agarwal (48yo)
12yrs
Tenure
₹16,901,154
Compensation
Mr. Sanjay Agarwal has been Managing Director and 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 ...
CEO Compensation Analysis
Compensation vs Market: Sanjay's total compensation ($USD235.06K) is below average for companies of similar size in the Indian market ($USD1.15M).
Compensation vs Earnings: Sanjay's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD, CEO & Director | 12yrs | ₹16.90m | 24.86% ₹88.7b | |
| Chief Financial Officer | 9.8yrs | ₹16.12m | 0.35% ₹1.3b | |
| Chief of Finance & Accounts | 10.1yrs | no data | 0.014% ₹49.2m | |
| Company Secretary & Compliance Officer | 3.2yrs | ₹4.66m | 0.021% ₹75.1m | |
| Group Head of HR | 0yrs | no data | 0.45% ₹1.6b | |
| Executive Director | 15.1yrs | ₹14.65m | 1.17% ₹4.2b | |
| Chief of Operations - Assets | 7.8yrs | no data | 0.013% ₹48.1m | |
| Chief of Secured Business Loans | 6.3yrs | no data | 0.032% ₹114.2m | |
| Chief of Strategy Business Solutions & Transaction Banking | 5.8yrs | no data | 0.020% ₹70.9m | |
| Group Head of Strategy - Treasury | 0yrs | no data | 0.018% ₹65.2m |
7.8yrs
Average Tenure
45yo
Average Age
Experienced Management: AUBANK's management team is seasoned and experienced (7.8 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD, CEO & Director | 12yrs | ₹16.90m | 24.86% ₹88.7b | |
| Executive Director | 15.1yrs | ₹14.65m | 1.17% ₹4.2b | |
| Non-Executive Independent Director | 4.9yrs | ₹1.76m | 0.00079% ₹2.8m | |
| Independent Part-Time Non-Executive Chairman | 2.8yrs | ₹2.52m | no data | |
| Additional Independent Director | 0.3yrs | no data | no data | |
| Non-Executive Independent Director | 11.4yrs | ₹1.92m | 0.031% ₹110.8m | |
| Non-Executive Director | 2.1yrs | no data | no data | |
| Non Executive Independent Director | 2.1yrs | ₹1.78m | no data | |
| Additional Independent Director | 0.3yrs | no data | no data | |
| Independent Director | 0.08yrs | no data | no data |
2.5yrs
Average Tenure
57.5yo
Average Age
Experienced Board: AUBANK's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: AUBANK 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: AUBANK
- Exchange: NSEI
- Founded: 1996
- Industry: Regional Banks
- Sector: Banks
- Market Cap: ₹356.821b
- Shares outstanding: 304.08m
- 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 540611 | BSE (Mumbai Stock Exchange) | Yes | Equity Shares | IN | INR | Jul 2017 |
| AUBANK | NSEI (National Stock Exchange of India) | Yes | Equity Shares | IN | INR | Jul 2017 |
Biography
AU Small Finance Bank Limited provides various banking and financial services in India. The company offers savings and current accounts, term deposits, and recurring deposits; debit cards; locker services; and investment products. It also provides vehicle, gold, home, and agri business loans; secured business loans to micro, small, and medium enterprises; fund and non-fund based credit facilities to small and medium enterprise customers; lending to non-banking financial companies, housing financial companies, and micro finance institutions; and loans to real estate companies. In addition, the company offers third-party products, such as life, health, motor, general, and fire insurance, as well as mutual funds; digital banking services; treasury management services; and government banking services to central government, states governments, central and state public sector undertakings, boards, and other government departments. As of March 31, 2019, it operated 322 branches, 83 asset centers, 86 banking outlets, 67 business correspondents, 14 offices, and 543 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.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/21 13:14 |
| End of Day Share Price | 2020/02/20 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/03/31 |
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.