Snowflake Score | |
---|---|
Valuation | 1/6 |
Future Growth | 0/6 |
Past Performance | 1/6 |
Financial Health | 4/6 |
Dividends | 0/6 |
AUBANK Stock Overview
AU Small Finance Bank Limited provides various banking and financial services in India.
AU Small Finance Bank Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | ₹614.45 |
52 Week High | ₹732.98 |
52 Week Low | ₹462.50 |
Beta | 0.80 |
1 Month Change | -4.65% |
3 Month Change | 1.90% |
1 Year Change | 18.67% |
3 Year Change | 74.50% |
5 Year Change | n/a |
Change since IPO | 126.88% |
Recent News & Updates
Shareholder Returns
AUBANK | IN Banks | IN Market | |
---|---|---|---|
7D | -1.5% | 2.8% | 2.3% |
1Y | 18.7% | -6.4% | -0.9% |
Return vs Industry: AUBANK exceeded the Indian Banks industry which returned -6.3% over the past year.
Return vs Market: AUBANK exceeded the Indian Market which returned -1.7% over the past year.
Price Volatility
AUBANK volatility | |
---|---|
AUBANK Average Weekly Movement | 5.0% |
Banks Industry Average Movement | 5.2% |
Market Average Movement | 6.9% |
10% most volatile stocks in IN Market | 9.9% |
10% least volatile stocks in IN Market | 4.5% |
Stable Share Price: AUBANK is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: AUBANK's weekly volatility (5%) has been stable over the past year.
About the Company
Founded | Employees | CEO | Website |
---|---|---|---|
1996 | 27,817 | Sanjay Agarwal | https://www.aubank.in |
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.
AU Small Finance Bank Fundamentals Summary
AUBANK fundamental statistics | |
---|---|
Market Cap | ₹388.19b |
Earnings (TTM) | ₹11.30b |
Revenue (TTM) | ₹38.67b |
34.4x
P/E Ratio5.2x
P/B RatioIs AUBANK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
AUBANK income statement (TTM) | |
---|---|
Revenue | ₹38.67b |
Cost of Revenue | ₹0 |
Gross Profit | ₹38.67b |
Other Expenses | ₹27.37b |
Earnings | ₹11.30b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
Earnings per share (EPS) | 17.93 |
Gross Margin | 100.00% |
Net Profit Margin | 29.22% |
Debt/Equity Ratio | 79.7% |
How did AUBANK perform over the long term?
See historical performance and comparisonDividends
0.08%
Current Dividend Yield3%
Payout RatioValuation
Is AUBANK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
1/6Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for AUBANK?
Other financial metrics that can be useful for relative valuation.
What is AUBANK's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | ₹388.19b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does AUBANK's PE Ratio compare to its peers?
AUBANK PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 102.6x |
Price-To-Earnings vs Peers: AUBANK is good value based on its Price-To-Earnings Ratio (34.4x) compared to the peer average (102.6x).
Price to Earnings Ratio vs Industry
How does AUBANK's PE Ratio compare vs other companies in the Indian Banks Industry?
Price-To-Earnings vs Industry: AUBANK is expensive based on its Price-To-Earnings Ratio (34.4x) compared to the Indian Banks industry average (12x)
Price to Earnings Ratio vs Fair Ratio
What is AUBANK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 34.4x |
Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate AUBANK's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of AUBANK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: AUBANK (₹614.45) is trading above our estimate of fair value (₹113.49)
Significantly Below Fair Value: AUBANK is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AUBANK's PEG Ratio to determine if it is good value.
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Future Growth
How is AU Small Finance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
18.6%
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.
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- Examine AU Small Finance Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- AU Small Finance Bank competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has AU Small Finance Bank performed over the past 5 years?
Past Performance Score
1/6Past Performance Score 1/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
25.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AUBANK has a high level of non-cash earnings.
Growing Profit Margin: AUBANK's current net profit margins (29.2%) are lower than last year (37.6%).
Past Earnings Growth Analysis
Earnings Trend: AUBANK's earnings have grown significantly by 25.7% per year over the past 5 years.
Accelerating Growth: AUBANK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: AUBANK had negative earnings growth (-3.5%) over the past year, making it difficult to compare to the Banks industry average (43.6%).
Return on Equity
High ROE: AUBANK's Return on Equity (15%) is considered low.
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Financial Health
How is AU Small Finance Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
4/6Financial Health Score 4/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AUBANK's Assets to Equity ratio (9.2x) is low.
Allowance for Bad Loans: Insufficient data to determine if AUBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: 85% of AUBANK's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUBANK has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: AUBANK's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: AUBANK has a high level of bad loans (2%).
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Dividend
What is AU Small Finance Bank current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
0.081%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AUBANK's dividend (0.081%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.44%).
High Dividend: AUBANK's dividend (0.081%) is low compared to the top 25% of dividend payers in the Indian market (1.9%).
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
Earnings 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.
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Management
How experienced are the management team and are they aligned to shareholders interests?
2.0yrs
Average management tenure
CEO
Sanjay Agarwal (50 yo)
14.33yrs
Tenure
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: Insufficient data to establish whether Sanjay's total compensation is reasonable compared to companies of similar size in the Indian market.
Compensation vs Earnings: Sanjay's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
Experienced Management: AUBANK's management team is considered experienced (2 years average tenure).
Board Members
Experienced Board: AUBANK's board of directors are considered experienced (5.8 years average tenure).
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 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
- Implied Market Cap: ₹388.195b
- Shares outstanding: 630.19m
- 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
Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/24 00:00 |
End of Day Share Price | 2022/06/24 00:00 |
Earnings | 2022/03/31 |
Annual Earnings | 2022/03/31 |
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.