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AU Small Finance Bank

NSEI:AUBANK
Snowflake Description

High growth potential with mediocre balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
AUBANK
NSEI
₹165B
Market Cap
  1. Home
  2. IN
  3. Banks
Company description

AU Small Finance Bank Limited provides various banking services in India. The last earnings update was 67 days ago. More info.


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AUBANK Share Price and Events
7 Day Returns
-6.7%
NSEI:AUBANK
0.7%
IN Banks
-0.3%
IN Market
1 Year Returns
-6.6%
NSEI:AUBANK
17.8%
IN Banks
3.3%
IN Market
AUBANK Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
AU Small Finance Bank (AUBANK) -6.7% -4% -9% -6.6% - -
IN Banks 0.7% 9.9% 7.8% 17.8% 58.1% 67.8%
IN Market -0.3% 6.1% 3.7% 3.3% 42.8% 75.4%
1 Year Return vs Industry and Market
  • AUBANK underperformed the Banks industry which returned 17.8% over the past year.
  • AUBANK underperformed the Market in India which returned 3.3% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

AUBANK Value

 Is AU Small Finance Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of AU Small Finance Bank to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for AU Small Finance Bank.

NSEI:AUBANK Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 9 analysts.
= Stable Book Value * Return on Equity
= ₹145.97 * 15.6%
₹22.70
Book Value of Equity per Share Weighted future Book Value estimates from 9 analysts. ₹145.97
Discount Rate (Cost of Equity) See below 14.7%
Perpetual Growth Rate 10-Year IN Government Bond Rate 7.6%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NSEI:AUBANK
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year IN Govt Bond Rate 7.6%
Equity Risk Premium S&P Global 8.6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.57
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.574 (1 + (1- 35%) (47.57%))
0.834
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.83
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 7.55% + (0.834 * 8.6%)
14.72%

Discounted Cash Flow Calculation for NSEI:AUBANK using Excess Returns Model Model

The calculations below outline how an intrinsic value for AU Small Finance Bank is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NSEI:AUBANK Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (15.6% – 14.72%) * ₹145.97)
₹1.21
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ₹1.21 / (14.72% - 7.55%)
₹16.90
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ₹145.97 + ₹16.90
₹162.87
NSEI:AUBANK Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in NSEI:AUBANK represents 0.99567x of BSE:540611
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.99567x
Value per Share
(Listing Adjusted, INR)
= Value per Share (INR) x Listing Adjustment Factor
= ₹ 162.87 x 0.99567
₹162.16
Value per share (INR) From above. ₹162.16
Current discount Discount to share price of ₹551.65
= -1 x (₹551.65 - ₹162.16) / ₹162.16
-240.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of AU Small Finance Bank is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for AU Small Finance Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are AU Small Finance Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NSEI:AUBANK PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in INR ₹12.01
BSE:540611 Share Price ** BSE (2019-03-25) in INR ₹554.05
India Banks Industry PE Ratio Median Figure of 19 Publicly-Listed Banks Companies 21.69x
India Market PE Ratio Median Figure of 2,730 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of AU Small Finance Bank.

NSEI:AUBANK PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BSE:540611 Share Price ÷ EPS (both in INR)

= 554.05 ÷ 12.01

46.12x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • AU Small Finance Bank is overvalued based on earnings compared to the IN Banks industry average.
  • AU Small Finance Bank is overvalued based on earnings compared to the India market.
Price based on expected Growth
Does AU Small Finance Bank's expected growth come at a high price?
Raw Data
NSEI:AUBANK PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 46.12x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 9 Analysts
29%per year
India Banks Industry PEG Ratio Median Figure of 18 Publicly-Listed Banks Companies 0.89x
India Market PEG Ratio Median Figure of 595 Publicly-Listed Companies 1.29x

*Line of best fit is calculated by linear regression .

NSEI:AUBANK PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 46.12x ÷ 29%

1.59x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • AU Small Finance Bank is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on AU Small Finance Bank's assets?
Raw Data
NSEI:AUBANK PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in INR ₹100.93
BSE:540611 Share Price * BSE (2019-03-25) in INR ₹554.05
India Banks Industry PB Ratio Median Figure of 40 Publicly-Listed Banks Companies 0.61x
India Market PB Ratio Median Figure of 3,621 Publicly-Listed Companies 1.11x
NSEI:AUBANK PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BSE:540611 Share Price ÷ Book Value per Share (both in INR)

= 554.05 ÷ 100.93

5.49x

* Primary Listing of AU Small Finance Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • AU Small Finance Bank is overvalued based on assets compared to the IN Banks industry average.
X
Value checks
We assess AU Small Finance Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. AU Small Finance Bank has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

AUBANK Future Performance

 How is AU Small Finance Bank expected to perform in the next 1 to 3 years based on estimates from 9 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
29%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is AU Small Finance Bank expected to grow at an attractive rate?
  • AU Small Finance Bank's earnings growth is expected to exceed the low risk savings rate of 7.6%.
Growth vs Market Checks
  • AU Small Finance Bank's earnings growth is expected to exceed the India market average.
  • AU Small Finance Bank's revenue growth is expected to exceed the India market average.
Annual Growth Rates Comparison
Raw Data
NSEI:AUBANK Future Growth Rates Data Sources
Data Point Source Value (per year)
NSEI:AUBANK Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 9 Analysts 29%
NSEI:AUBANK Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 9 Analysts 27.2%
India Banks Industry Earnings Growth Rate Market Cap Weighted Average 36.9%
India Banks Industry Revenue Growth Rate Market Cap Weighted Average 21%
India Market Earnings Growth Rate Market Cap Weighted Average 18.6%
India Market Revenue Growth Rate Market Cap Weighted Average 11.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NSEI:AUBANK Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below
All numbers in INR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NSEI:AUBANK Future Estimates Data
Date (Data in INR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-03-31 57,389 11,696 1
2022-03-31 43,913 10,494 2
2021-03-31 33,172 7,525 7
2020-03-31 24,827 5,374 7
2019-03-31 18,119 3,790 7
NSEI:AUBANK Past Financials Data
Date (Data in INR Millions) Revenue Cash Flow Net Income *
2018-12-31 15,735 3,466
2018-09-30 14,771 3,302
2018-06-30 13,409 3,070
2018-03-31 11,960 -54,186 2,920
2017-03-31 8,471 8,843 7,619
2016-03-31 6,736 -17,194 2,465

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • AU Small Finance Bank's earnings are expected to grow significantly at over 20% yearly.
  • AU Small Finance Bank's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NSEI:AUBANK Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below

All data from AU Small Finance Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NSEI:AUBANK Future Estimates Data
Date (Data in INR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-03-31 35.20 35.20 35.20 1.00
2022-03-31 33.90 39.90 27.90 2.00
2021-03-31 24.70 28.30 21.70 7.00
2020-03-31 17.77 19.70 16.65 7.00
2019-03-31 12.88 13.40 12.10 7.00
NSEI:AUBANK Past Financials Data
Date (Data in INR Millions) EPS *
2018-12-31 12.01
2018-09-30 11.51
2018-06-30 10.76
2018-03-31 10.26
2017-03-31 27.97
2016-03-31 9.32

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • AU Small Finance Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess AU Small Finance Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the India market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the India market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
AU Small Finance Bank has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

AUBANK Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare AU Small Finance Bank's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • AU Small Finance Bank's year on year earnings growth rate has been positive over the past 5 years.
  • AU Small Finance Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • AU Small Finance Bank's 1-year earnings growth is negative, it can't be compared to the IN Banks industry average.
Earnings and Revenue History
AU Small Finance Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from AU Small Finance Bank Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NSEI:AUBANK Past Revenue, Cash Flow and Net Income Data
Date (Data in INR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 15,735.01 3,466.14 8,713.81
2018-09-30 14,770.70 3,302.05 8,384.40
2018-06-30 13,408.86 3,070.31 7,886.79
2018-03-31 11,959.59 2,920.40 7,191.87
2017-03-31 8,470.94 7,618.71 2,218.50
2016-03-31 6,736.09 2,465.37 2,145.27
2015-03-31 4,186.51 1,630.77 1,272.90
2014-03-31 2,798.48 980.60 915.10

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • AU Small Finance Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • AU Small Finance Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
  • Unable to establish if AU Small Finance Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess AU Small Finance Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
AU Small Finance Bank has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

AUBANK Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of AU Small Finance Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from AU Small Finance Bank Company Filings, last reported 2 months ago.

NSEI:AUBANK Past Debt and Equity Data
Date (Data in INR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 29,290.68 78,297.52 6,993.15
2018-09-30 29,290.68 78,297.52 6,993.15
2018-06-30 22,811.83 76,388.65 13,615.10
2018-03-31 22,811.83 76,388.65 13,615.10
2017-03-31 19,875.93 71,198.86 10,460.69
2016-03-31 10,707.85 63,270.43 4,366.05
2015-03-31 8,375.90 36,400.65 2,300.30
2014-03-31 6,491.71 24,780.26 2,282.78
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • AU Small Finance Bank has an acceptable proportion of non-loan assets held.
  • AU Small Finance Bank's liabilities are made up of primarily low risk sources of funding.
  • AU Small Finance Bank has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • AU Small Finance Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if AU Small Finance Bank has a sufficient allowance for bad loans without relevant financial data.
  • AU Small Finance Bank has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess AU Small Finance Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. AU Small Finance Bank has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

AUBANK Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.09%
Current annual income from AU Small Finance Bank dividends. Estimated to be 0.27% next year.
If you bought ₹2,000 of AU Small Finance Bank shares you are expected to receive ₹2 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • AU Small Finance Bank's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.5%).
  • AU Small Finance Bank's dividend is below the markets top 25% of dividend payers in India (1.91%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NSEI:AUBANK Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 9 Analyst Estimates (S&P Global) See Below
India Banks Industry Average Dividend Yield Market Cap Weighted Average of 18 Stocks 0.5%
India Market Average Dividend Yield Market Cap Weighted Average of 1399 Stocks 1.4%
India Minimum Threshold Dividend Yield 10th Percentile 0.3%
India Bottom 25% Dividend Yield 25th Percentile 0.5%
India Top 25% Dividend Yield 75th Percentile 1.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NSEI:AUBANK Future Dividends Estimate Data
Date (Data in ₹) Dividend per Share (annual) Avg. No. Analysts
2023-03-31 2.10 1.00
2022-03-31 1.30 2.00
2021-03-31 2.14 6.00
2020-03-31 1.55 6.00
2019-03-31 0.88 7.00
NSEI:AUBANK Past Annualized Dividends Data
Date (Data in ₹) Dividend per share (annual) Avg. Yield (%)
2018-08-09 0.500 0.083

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • AU Small Finance Bank is not paying a notable dividend for India, therefore no need to check if the payments are stable.
  • AU Small Finance Bank is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of AU Small Finance Bank's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of AU Small Finance Bank's dividends as it is not paying a notable one for India.
Future Payout to shareholders
  • Dividends after 3 years are expected to be thoroughly covered by earnings (21x coverage).
X
Income/ dividend checks
We assess AU Small Finance Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can AU Small Finance Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. AU Small Finance Bank has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

AUBANK Management

 What is the CEO of AU Small Finance Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Sanjay Agarwal
COMPENSATION ₹14,716,848
AGE 47
TENURE AS CEO 11.1 years
CEO Bio

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 Finance Limited. Mr. Agarwal serves as Director at AU Small Finance Bank since January 22, 2003. Mr. Agarwal plays key role in the Financing Strategy, Corporate Planning and Risk Management. He is a first generation entrepreneur and an all round corporate and retail finance business leader with more than 17 years of experience in financial & credit - risk management and strategic planning. He has a multi-faceted experience in the areas of retail finance, business development, financial management, administration and manpower management. His specialization includes strategic planning, development of business model, HR and relationship management. He was the Managing Director and Director at AAVAS Financiers Ltd until June 23, 2016. He is a Member of Rajasthan Finance Companies Association. He is a Chartered Accountant by Profession.

CEO Compensation
  • Sanjay's compensation has been consistent with company performance over the past year.
  • Sanjay's remuneration is lower than average for companies of similar size in India.
Management Team Tenure

Average tenure and age of the AU Small Finance Bank management team in years:

7.8
Average Tenure
45.5
Average Age
  • The average tenure for the AU Small Finance Bank management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Sanjay Agarwal

TITLE
MD, CEO & Director
COMPENSATION
₹15M
AGE
47
TENURE
11.1 yrs

Deepak Jain

TITLE
Chief Financial Officer
COMPENSATION
₹20M
AGE
44
TENURE
8.8 yrs

Vijendra Shekhawat

TITLE
Chief of Operations & IT
AGE
36
TENURE
6.8 yrs

Vimal Jain

TITLE
Chief of Finance & Accounts
AGE
37
TENURE
9.2 yrs

Amiya Dikshit

TITLE
Chief Technology Officer

Manmohan Parnami

TITLE
Company Secretary & Compliance Officer
COMPENSATION
₹4M
TENURE
2.3 yrs

Manoj Tibrewal

TITLE
Group Head & Chief of HR
AGE
48
TENURE
10.1 yrs

Uttam Tibrewal

TITLE
Whole Time Director
COMPENSATION
₹13M
AGE
47

Rishi Dhariwal

TITLE
Chief of Credit & Collection – Retail
AGE
48
TENURE
5.3 yrs

Vivek Tripathi

TITLE
Chief of Small & Mid Corporate
AGE
39
TENURE
4.9 yrs
Board of Directors Tenure

Average tenure and age of the AU Small Finance Bank board of directors in years:

4
Average Tenure
57
Average Age
  • The tenure for the AU Small Finance Bank board of directors is about average.
Board of Directors

Mannil Venugopalan

TITLE
Independent Part-Time Non-Executive Chairman
COMPENSATION
₹2M
AGE
73
TENURE
1.9 yrs

Sanjay Agarwal

TITLE
MD, CEO & Director
COMPENSATION
₹15M
AGE
47
TENURE
16.2 yrs

Uttam Tibrewal

TITLE
Whole Time Director
COMPENSATION
₹13M
AGE
47
TENURE
14.2 yrs

Krishan Rathi

TITLE
Non-Executive Independent Director
COMPENSATION
₹2M
AGE
57
TENURE
10.5 yrs

Jyoti Ishwar Narang

TITLE
Non-Executive Independent Director
COMPENSATION
₹2M
AGE
60
TENURE
4 yrs

Raj Verma

TITLE
Non Executive Independent Director
COMPENSATION
₹169K
AGE
63
TENURE
1.2 yrs

Narendra Ostawal

TITLE
Additional Non-Executive & Non-Independent Director
AGE
40
TENURE
0.2 yrs
Who owns this company?
Recent Insider Trading
  • AU Small Finance Bank insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (₹) Value (₹)
19. Mar 19 Sell Amit Khatri Individual 13. Dec 18 06. Mar 19 -2,011 ₹618.28 ₹-1,229,556
20. Mar 19 Sell Narendra Singh Individual 10. Jan 19 06. Mar 19 -2,300 ₹643.23 ₹-1,342,081
16. Mar 19 Sell Pankaj Sharma Individual 14. Mar 19 14. Mar 19 -5,548 ₹614.88 ₹-3,411,354
08. Mar 19 Sell Manoj Tibrewal Individual 06. Mar 19 06. Mar 19 -10,000 ₹590.07 ₹-5,900,700
08. Mar 19 Sell Jitendra Bhati Individual 27. Feb 19 27. Feb 19 -500 ₹577.00 ₹-288,500
08. Mar 19 Sell Vijendra Shekhawat Individual 06. Mar 19 06. Mar 19 -2,500 ₹590.23 ₹-1,475,575
07. Mar 19 Sell Hemraj Ubana Individual 18. Jan 19 01. Mar 19 -2,732 ₹619.29 ₹-1,572,842
13. Feb 19 Sell Jitendra Bhati Individual 11. Jan 19 28. Jan 19 -2,050 ₹590.38 ₹-1,210,090
13. Feb 19 Sell Yaseen Khan Individual 10. Jan 19 10. Jan 19 -1,000 ₹644.37 ₹-644,372
13. Feb 19 Sell Rajkumar Sharma Individual 25. Jan 19 01. Feb 19 -8,695 ₹598.15 ₹-5,146,861
13. Feb 19 Sell Pankaj Sharma Individual 07. Feb 19 07. Feb 19 -6,305 ₹603.06 ₹-3,802,292
13. Feb 19 Sell Vijendra Shekhawat Individual 06. Feb 19 06. Feb 19 -3,000 ₹585.47 ₹-1,756,406
04. Feb 19 Sell Narendra Singh Individual 27. Dec 18 31. Dec 18 -1,200 ₹619.00 ₹-715,601
04. Feb 19 Sell Abdul Quazi Individual 11. Jan 19 25. Jan 19 -2,360 ₹604.77 ₹-1,402,387
11. Jan 19 Sell Mohmmad Arif Individual 14. Dec 18 28. Dec 18 -65 ₹594.63 ₹-38,627
11. Jan 19 Buy Mohmmad Arif Individual 21. Dec 18 21. Dec 18 3,545 ₹639.39 ₹2,266,638
11. Jan 19 Sell Shammi Chauhan Individual 28. Dec 18 28. Dec 18 -185 ₹594.00 ₹-109,890
11. Jan 19 Buy Ronak Jain Individual 28. Dec 18 28. Dec 18 100 ₹594.00 ₹59,400
07. Jan 19 Sell Hemraj Ubana Individual 05. Oct 18 26. Nov 18 -551 ₹587.57 ₹-311,200
07. Jan 19 Buy Hemraj Ubana Individual 03. Oct 18 23. Nov 18 3,752 ₹590.02 ₹2,138,504
07. Jan 19 Sell Rishi Dhariwal Individual 27. Dec 18 28. Dec 18 -64,133 ₹591.51 ₹-37,332,815
05. Jan 19 Sell Kesar Chugh Individual 15. Nov 18 21. Dec 18 -13,706 ₹640.73 ₹-8,543,365
01. Jan 19 Sell Rinku Rawat Individual 07. Dec 18 07. Dec 18 -708 ₹607.26 ₹-429,940
01. Jan 19 Sell Swapnil Nanche Individual 07. Dec 18 07. Dec 18 -1,938 ₹607.26 ₹-1,176,870
03. Jan 19 Sell Prashant Kasliwal Individual 19. Oct 18 21. Dec 18 -299 ₹639.39 ₹-179,929
03. Jan 19 Buy Prashant Kasliwal Individual 05. Oct 18 30. Nov 18 399 ₹587.57 ₹218,524
03. Jan 19 Sell Yogesh Bhadani Individual 30. Nov 18 21. Dec 18 -700 ₹611.78 ₹-421,897
03. Jan 19 Buy Yogesh Bhadani Individual 12. Oct 18 12. Oct 18 1,270 ₹601.06 ₹763,346
03. Jan 19 Sell Naveen Vashisht Individual 12. Dec 18 17. Dec 18 -1,200 ₹628.00 ₹-747,738
02. Jan 19 Sell Vivek Rathi Individual 30. Nov 18 30. Nov 18 -1,000 ₹599.24 ₹-599,240
02. Jan 19 Buy Vivek Rathi Individual 23. Nov 18 23. Nov 18 3,703 ₹593.39 ₹2,197,314
02. Jan 19 Sell Mohd Khan Individual 21. Dec 18 21. Dec 18 -77 ₹611.78 ₹-47,107
02. Jan 19 Buy Mohd Khan Individual 12. Oct 18 07. Dec 18 1,773 ₹607.26 ₹1,061,683
01. Jan 19 Buy Shammi Chauhan Individual 12. Oct 18 12. Oct 18 564 ₹601.06 ₹338,998
01. Jan 19 Buy Rinku Rawat Individual 23. Nov 18 23. Nov 18 866 ₹593.39 ₹513,874
01. Jan 19 Sell Shammi Chauhan Individual 19. Oct 18 21. Dec 18 -1,614 ₹622.41 ₹-892,162
01. Jan 19 Sell Rinku Rawat Individual 30. Nov 18 30. Nov 18 -158 ₹599.24 ₹-94,680
01. Jan 19 Buy Bhupender Yadav Individual 12. Oct 18 26. Oct 18 1,613 ₹598.45 ₹917,214
01. Jan 19 Sell Sudhir Kolte Individual 30. Nov 18 07. Dec 18 -2,980 ₹612.83 ₹-1,820,657
01. Jan 19 Sell Bhupender Yadav Individual 23. Nov 18 21. Dec 18 -300 ₹611.78 ₹-179,200
02. Jan 19 Sell Raj Sheshma Individual 05. Oct 18 14. Dec 18 -2,854 ₹638.39 ₹-1,749,353
02. Jan 19 Buy Raj Sheshma Individual 12. Oct 18 12. Oct 18 343 ₹601.06 ₹206,164
02. Jan 19 Sell Narendra Singh Individual 30. Nov 18 21. Dec 18 -1,500 ₹622.41 ₹-905,784
02. Jan 19 Sell Vishal Sharma Individual 14. Dec 18 14. Dec 18 -772 ₹638.39 ₹-492,837
02. Jan 19 Sell Mohit Handa Individual 23. Nov 18 21. Dec 18 -709 ₹622.42 ₹-425,148
02. Jan 19 Sell Kamlesh Sharma Individual 23. Nov 18 21. Dec 18 -899 ₹622.41 ₹-548,868
31. Dec 18 Sell Surendra Rathore Individual 09. Nov 18 09. Nov 18 -100 ₹552.18 ₹-55,218
31. Dec 18 Buy Deepak Goyal Individual 21. Dec 18 21. Dec 18 1,598 ₹611.78 ₹977,629
31. Dec 18 Sell Surendra Rathore Individual 21. Dec 18 21. Dec 18 -1,242 ₹611.78 ₹-759,834
31. Dec 18 Buy Surendra Rathore Individual 12. Oct 18 12. Oct 18 1,242 ₹601.06 ₹746,517
31. Dec 18 Sell Sachin Jain Individual 07. Dec 18 07. Dec 18 -3,000 ₹607.26 ₹-1,821,780
31. Dec 18 Sell Dinesh Sharma Individual 30. Nov 18 30. Nov 18 -300 ₹599.24 ₹-179,772
31. Dec 18 Buy Dinesh Sharma Individual 02. Nov 18 02. Nov 18 616 ₹553.80 ₹341,141
31. Dec 18 Sell Attar Siraj Individual 07. Dec 18 07. Dec 18 -2,112 ₹607.26 ₹-1,282,533
31. Dec 18 Sell Kamaljeet Singh Individual 14. Dec 18 14. Dec 18 -350 ₹638.39 ₹-223,437
31. Dec 18 Sell Jaysingh Chauhan Individual 09. Oct 18 07. Dec 18 -1,900 ₹607.26 ₹-1,055,816
31. Dec 18 Sell Shobha Balundiya Individual 14. Dec 18 14. Dec 18 -200 ₹638.39 ₹-127,678
31. Dec 18 Sell Brajendra Rajawat Individual 21. Dec 18 21. Dec 18 -100 ₹611.78 ₹-61,178
31. Dec 18 Sell Sudhir Madgunaki Individual 21. Dec 18 21. Dec 18 -500 ₹611.78 ₹-305,892
31. Dec 18 Sell Suraj Deogade Individual 16. Nov 18 16. Nov 18 -1,000 ₹591.57 ₹-591,570
31. Dec 18 Buy Suraj Deogade Individual 21. Dec 18 21. Dec 18 751 ₹611.78 ₹459,449
31. Dec 18 Sell Rajesh Khandelwal Individual 07. Dec 18 14. Dec 18 -632 ₹638.39 ₹-395,581
31. Dec 18 Sell Mangesh Mahapadi Individual 14. Dec 18 14. Dec 18 -250 ₹638.39 ₹-159,598
31. Dec 18 Sell Rakesh Nama Individual 02. Nov 18 02. Nov 18 -678 ₹553.80 ₹-375,476
31. Dec 18 Sell Rajkumar Sharma Individual 07. Dec 18 07. Dec 18 -2,000 ₹607.26 ₹-1,214,520
31. Dec 18 Sell Ronak Jain Individual 21. Dec 18 21. Dec 18 -200 ₹611.79 ₹-122,357
31. Dec 18 Sell Vivek Tripathi Individual 21. Dec 18 21. Dec 18 -500 ₹650.00 ₹-325,000
31. Dec 18 Sell Dinesh Sharma Individual 23. Nov 18 07. Dec 18 -743 ₹607.26 ₹-448,199
31. Dec 18 Buy Attar Siraj Individual 12. Oct 18 12. Oct 18 612 ₹601.06 ₹367,849
31. Dec 18 Sell Kamaljeet Singh Individual 07. Dec 18 07. Dec 18 -2 ₹607.50 ₹-1,215
31. Dec 18 Buy Sudhir Madgunaki Individual 23. Nov 18 23. Nov 18 90 ₹593.39 ₹53,405
31. Dec 18 Sell Sajid Khan Individual 07. Dec 18 07. Dec 18 -654 ₹607.26 ₹-397,148
31. Dec 18 Sell Suraj Deogade Individual 12. Oct 18 12. Oct 18 -481 ₹601.06 ₹-289,110
31. Dec 18 Buy Suraj Deogade Individual 23. Nov 18 23. Nov 18 117 ₹593.38 ₹69,426
31. Dec 18 Sell Rajesh Khandelwal Individual 30. Nov 18 30. Nov 18 -2,238 ₹599.24 ₹-1,341,099
31. Dec 18 Buy Rajesh Khandelwal Individual 12. Oct 18 12. Oct 18 916 ₹601.06 ₹550,571
31. Dec 18 Sell Rakesh Nama Individual 19. Oct 18 07. Dec 18 -1,973 ₹607.26 ₹-1,174,512
31. Dec 18 Buy Rakesh Nama Individual 12. Oct 18 23. Nov 18 1,001 ₹593.39 ₹593,319
27. Dec 18 Sell Yogesh Jain Individual 05. Dec 18 05. Dec 18 -900 ₹632.71 ₹-569,435
27. Dec 18 Sell Rishi Dhariwal Individual 03. Dec 18 12. Dec 18 -7,500 ₹604.77 ₹-4,514,784
24. Dec 18 Sell Rishi Dhariwal Individual 16. Nov 18 16. Nov 18 -500 ₹605.00 ₹-302,500
24. Dec 18 Sell Manoj Tibrewal Individual 21. Dec 18 21. Dec 18 -50,000 ₹638.24 ₹-31,911,998
19. Dec 18 Sell Mahaveer Dhoot Individual 17. Dec 18 17. Dec 18 -413 ₹640.00 ₹-264,320
19. Dec 18 Sell Hemant Sethia Individual 17. Dec 18 17. Dec 18 -2,300 ₹641.13 ₹-1,474,590
19. Dec 18 Sell Rishi Dhariwal Individual 16. Dec 18 16. Dec 18 -500 ₹605.00 ₹-302,500
19. Dec 18 Sell Yogesh Soni Individual 18. Dec 18 18. Dec 18 -3,000 ₹649.95 ₹-1,949,850
14. Dec 18 Sell Namokar Mining Industries Llp Company 12. Dec 18 12. Dec 18 -100,000 ₹616.92 ₹-61,691,972
14. Dec 18 Sell Mahaveer Dhoot Individual 14. Dec 18 14. Dec 18 -375 ₹632.00 ₹-237,000
14. Dec 18 Sell Hemant Sethia Individual 12. Dec 18 14. Dec 18 -3,700 ₹632.33 ₹-2,318,967
11. Dec 18 Sell Sudhir Kolte Individual 12. Oct 18 14. Nov 18 -2,000 ₹583.64 ₹-1,162,849
11. Dec 18 Sell Yogesh Jain Individual 03. Dec 18 03. Dec 18 -9,100 ₹595.87 ₹-5,422,440
07. Dec 18 Sell Hemant Sethia Individual 04. Dec 18 05. Dec 18 -2,200 ₹611.95 ₹-1,345,204
05. Dec 18 Sell Bheru Souda Individual 31. Aug 18 31. Aug 18 -1,957 ₹702.00 ₹-1,373,814
05. Dec 18 Sell Kamaljeet Singh Individual 02. Nov 18 16. Nov 18 -549 ₹565.10 ₹-307,118
04. Dec 18 Sell Narendra Singh Individual 30. Oct 18 26. Nov 18 -1,100 ₹586.68 ₹-623,768
04. Dec 18 Sell Ashish Vijay Individual 01. Oct 18 05. Oct 18 -1,600 ₹272.43 ₹-435,894
28. Nov 18 Sell Dharmendra Singh Individual 14. Oct 18 14. Oct 18 -1,500 ₹685.13 ₹-1,027,702
28. Nov 18 Buy Ronak Jain Individual 21. Sep 18 26. Oct 18 550 ₹623.20 ₹313,785
28. Nov 18 Sell Naveen Vashisht Individual 14. Nov 18 14. Nov 18 -200 ₹580.00 ₹-116,000
25. Sep 18 Sell Ashok More Individual 27. Aug 18 27. Aug 18 -2,100 ₹716.99 ₹-1,505,683
20. Sep 18 Sell Raj Sheshma Individual 28. Aug 18 28. Aug 18 -2,000 ₹725.00 ₹-1,450,000
15. Jun 18 Sell Narendra Singh Individual 13. Jun 18 13. Jun 18 -1,900 ₹730.62 ₹-1,388,178
22. May 18 Sell Raj Sheshma Individual 11. May 18 11. May 18 -4,000 ₹707.69 ₹-2,830,760
17. Sep 18 Sell Girish Sharma Individual 23. Aug 18 29. Aug 18 -2,100 ₹718.42 ₹-1,508,685
17. Nov 18 Sell Rajesh Sharma Individual 30. Aug 18 30. Aug 18 -230 ₹735.00 ₹-169,050
17. Nov 18 Sell Ram Kadam Individual 21. Aug 18 04. Sep 18 -736 ₹715.91 ₹-526,621
17. Nov 18 Sell Ranjeet Chouhan Individual 31. Aug 18 31. Aug 18 -100 ₹739.00 ₹-73,900
15. Nov 18 Sell Jay Sharma Individual 27. Aug 18 27. Aug 18 -1,000 ₹724.29 ₹-724,291
15. Nov 18 Sell Yogesh Kumawat Individual 27. Aug 18 27. Aug 18 -277 ₹719.50 ₹-199,302
30. Aug 18 Sell Hemraj Ubana Individual 30. Jul 18 30. Jul 18 -1,850 ₹639.21 ₹-1,182,534
14. Aug 18 Sell Basant Sain Individual 02. Aug 18 02. Aug 18 -1,800 ₹644.36 ₹-1,159,845
26. Sep 18 Sell Rinku Rawat Individual 30. Aug 18 30. Aug 18 -1,431 ₹725.00 ₹-1,037,475
20. Sep 18 Sell Pooja Agarwal Individual 23. Aug 18 30. Aug 18 -450 ₹739.40 ₹-328,277
20. Sep 18 Sell Umesh Saini Individual 24. Aug 18 30. Aug 18 -1,500 ₹730.00 ₹-1,095,000
20. Sep 18 Sell Bhaskar Garg Individual 23. Aug 18 30. Aug 18 -2,627 ₹728.00 ₹-1,912,456
20. Sep 18 Sell Mahesh Sharma Individual 27. Aug 18 27. Aug 18 -2,800 ₹720.37 ₹-2,017,041
07. Sep 18 Sell Sanjay Agarwal Individual 27. Jul 18 10. Aug 18 -21,103 ₹702.24 ₹-13,753,133
01. Sep 18 Sell Kesar Chug Individual 01. Sep 18 01. Sep 18 -1,550 ₹644.41 ₹-998,836
01. Sep 18 Sell Vimal Jain Individual 29. Aug 18 29. Aug 18 -4,000 ₹730.70 ₹-2,922,800
30. Aug 18 Sell Sudhir Kolte Individual 02. Aug 18 02. Aug 18 -2,500 ₹650.08 ₹-1,625,192
30. Aug 18 Sell Shekhar Shukla Individual 27. Aug 18 27. Aug 18 -200 ₹724.00 ₹-144,800
30. Aug 18 Sell Vijendra Shekhawat Individual 27. Aug 18 27. Aug 18 -5,000 ₹712.29 ₹-3,561,438
24. Aug 18 Sell Shekhar Shukla Individual 20. Aug 18 23. Aug 18 -1,900 ₹706.90 ₹-1,332,155
14. Aug 18 Sell Basant Sain Individual 02. Aug 18 02. Aug 18 -1,800 ₹644.36 ₹-1,159,845
10. Aug 18 Sell Tikam Karodiwal Individual 01. Aug 18 03. Aug 18 -2,000 ₹640.15 ₹-1,280,305
16. Aug 18 Sell Manoj Tibrewal Individual 13. Aug 18 13. Aug 18 -5,000 ₹690.87 ₹-3,454,350
13. Aug 18 Sell Manoj Tibrewal Individual 10. Aug 18 10. Aug 18 -15,000 ₹698.14 ₹-10,472,100
14. Aug 18 Sell Piyush Chimurkar Individual 11. Aug 18 11. Aug 18 -1,752 ₹691.03 ₹-1,210,685
03. Jul 18 Buy Piyush Chimurkar Individual 26. Jun 18 27. Jun 18 1,752 ₹694.41 ₹1,197,730
27. Jun 18 Sell Swapnil Nanche Individual 12. Jun 18 12. Jun 18 -1,715 ₹721.00 ₹-1,236,515
16. Jun 18 Sell Hemant Sethia Individual 15. Jun 18 15. Jun 18 -100 ₹730.00 ₹-73,000
13. Jun 18 Sell Hemant Sethia Individual 12. Jun 18 12. Jun 18 -1,000 ₹720.35 ₹-720,346
08. Jun 18 Sell Hemant Sethia Individual 06. Jun 18 07. Jun 18 -1,000 ₹710.00 ₹-707,852
08. Jun 18 Sell Manmohan Parnami Individual 07. Jun 18 07. Jun 18 -1,000 ₹702.54 ₹-702,538
08. Jun 18 Sell Hemant Sethia Individual 06. Jun 18 07. Jun 18 -1,000 ₹710.00 ₹-707,852
08. Jun 18 Sell Manmohan Parnami Individual 07. Jun 18 07. Jun 18 -1,000 ₹702.54 ₹-702,538
06. Jun 18 Sell Manmohan Parnami Individual 04. Jun 18 04. Jun 18 -1,500 ₹697.40 ₹-1,046,103
04. Jun 18 Sell Manmohan Parnami Individual 31. May 18 01. Jun 18 -1,590 ₹698.02 ₹-1,108,780
02. Jun 18 Sell Hemant Sethia Individual 01. Jun 18 01. Jun 18 -500 ₹699.44 ₹-349,718
02. Jun 18 Sell Hemant Sethia Individual 01. Jun 18 01. Jun 18 -500 ₹699.44 ₹-349,718
14. May 18 Sell Manoj Tibrewal Individual 11. May 18 11. May 18 -1,000 ₹706.19 ₹-706,190
05. May 18 Sell Manoj Tibrewal Individual 04. May 18 04. May 18 -427 ₹688.42 ₹-293,955
04. May 18 Sell Manoj Tibrewal Individual 02. May 18 03. May 18 -3,287 ₹721.99 ₹-2,362,236
X
Management checks
We assess AU Small Finance Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. AU Small Finance Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

AUBANK News

Simply Wall St News

Can AU Small Finance Bank Limited (NSE:AUBANK) Survive The Next Financial Crisis?

AU Small Finance Bank Limited’s (NSE:AUBANK) profitability and risk are largely affected by the underlying economic growth for the region it operates in IN given it is a small-cap stock with a market capitalisation of ₹177b. … Basel III target banking regulations to improve the sector’s ability to absorb shocks resulting from economic stress which may expose financial institutions like AU Small Finance Bank to vulnerabilities. … Low levels of leverage coupled with sufficient liquidity may place AU Small Finance Bank in a safe position in the face of adverse headwinds.

Simply Wall St -

Here's What AU Small Finance Bank Limited's (NSE:AUBANK) P/E Is Telling Us

We'll show how you can use AU Small Finance Bank Limited's (NSE:AUBANK) P/E ratio to inform your assessment of the investment opportunity. … Based on the last twelve months, AU Small Finance Bank's P/E ratio is 48.61. … How Do I Calculate AU Small Finance Bank's Price To Earnings Ratio

Simply Wall St -

Is AU Small Finance Bank Limited (NSE:AUBANK) Attractive At Its Current PE Ratio?

AU Small Finance Bank Limited (NSE:AUBANK) is currently trading at a trailing P/E of 56.9, which is higher than the industry average of 20. … While this might not seem positive, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions. … See our latest analysis for AU Small Finance Bank

Simply Wall St -

What is Behind AU Small Finance Bank Limited's (NSE:AUBANK) Superior ROE?

AU Small Finance Bank Limited (NSE:AUBANK) delivered an ROE of 12.80% over the past 12 months, which is an impressive feat relative to its industry average of 7.80% during the same period. … Sustainability can be gauged by a company’s financial leverage – the more debt it has, the higher ROE is pumped up in the short term, at the expense of long term interest payment burden. … See our latest analysis for AU Small Finance Bank

Simply Wall St -

AU Small Finance Bank Limited (NSE:AUBANK): Why Return On Capital Employed Is Important

and want to begin learning the link between AU Small Finance Bank Limited (NSE:AUBANK)’s return fundamentals and stock market performance. … Purchasing AU Small Finance Bank gives you an ownership stake in the company. … This is because the actual cash flow generated by the business dictates the potential for income (dividends) and capital appreciation (price increases), which are the two ways to achieve positive returns when buying a stock.

Simply Wall St -

What Should Investors Know About The Future Of AU Small Finance Bank Limited's (NSE:AUBANK)?

In March 2018, AU Small Finance Bank Limited (NSE:AUBANK) announced its most recent earnings update, whicha

Simply Wall St -

AUBANK Company Info

Description

AU Small Finance Bank Limited provides various banking services in India. It offers savings and current accounts, term deposits, recurring deposits, debit cards, and collections and payments solutions, as well as locker services, and insurance and mutual fund products. The company also provides loans for new and pre-owned vehicles, and for refinancing of vehicles across various categories, including multi-utility vehicles, cars, sports utility vehicles, small commercial vehicles, light commercial vehicles, medium and heavy commercial vehicles, tractors, three and two-wheelers, and construction equipment; and secured business loans, gold loans, home loans, and agriculture related loans, as well as Kisan credit cards. In addition, it provides wholesale banking services consisting of finance to various businesses, including micro small and medium enterprises, as well as small and medium enterprises for working capital needs; finance to asset finance companies, housing finance companies, and micro finance companies registered with RBI/NHB for further lending; and loans for real estate developers. Further, the company offers government banking services to central government, states governments, central and state public sector undertakings, boards, and other government departments. As of March 31, 2018, it operated 306 branches, 71 business correspondents, 97 asset centers, 23 offices, and 292 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.

Details
Name: AU Small Finance Bank Limited
AUBANK
Exchange: NSEI
Founded: 1996
₹164,597,264,618
292,357,486
Website: http://www.aubank.in
Address: AU Small Finance Bank Limited
Bank House,
Mile 0, Ajmer Road,
Jaipur,
Rajasthan, 302001,
India
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BSE 540611 Equity Shares Mumbai Stock Exchange IN INR 10. Jul 2017
NSEI AUBANK Equity Shares National Stock Exchange of India IN INR 10. Jul 2017
Number of employees
Current staff
Staff numbers
11,151
AU Small Finance Bank employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/25 12:54
End of day share price update: 2019/03/25 00:00
Last estimates confirmation: 2019/03/20
Last earnings filing: 2019/01/17
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.