AU Small Finance Bank Limited provides various banking and financial services in India. More Details
Proven track record with adequate balance sheet.
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 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: AUBANK's weekly volatility (7%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: AUBANK underperformed the Indian Banks industry which returned 48.7% over the past year.
Return vs Market: AUBANK underperformed the Indian Market which returned 53.5% over the past year.
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
2 weeks ago | Simply Wall StThis Insider Has Just Sold Shares In AU Small Finance Bank Limited (NSE:AUBANK)
1 month ago | Simply Wall StI Ran A Stock Scan For Earnings Growth And AU Small Finance Bank (NSE:AUBANK) Passed With Ease
2 months ago | Simply Wall StIs AU Small Finance Bank's (NSE:AUBANK) Share Price Gain Of 145% Well Earned?
Is AU Small Finance Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AUBANK (₹1165.75) is trading above our estimate of fair value (₹195.75)
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 (30.5x) compared to the Indian Banks industry average (22x).
PE vs Market: AUBANK is poor value based on its PE Ratio (30.5x) compared to the Indian market (23.8x).
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 (5.7x) compared to the IN Banks industry average (1x).
How is AU Small Finance Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has AU Small Finance Bank performed over the past 5 years?
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 (37.6%) are higher than last year (28.9%).
Past Earnings Growth Analysis
Earnings Trend: AUBANK's earnings have grown significantly by 25% per year over the past 5 years.
Accelerating Growth: AUBANK's earnings growth over the past year (73.5%) exceeds its 5-year average (25% per year).
Earnings vs Industry: AUBANK earnings growth over the past year (73.5%) exceeded the Banks industry 16.9%.
Return on Equity
High ROE: AUBANK's Return on Equity (18.7%) is considered low.
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
Financial Institutions Analysis
Asset Level: AUBANK's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: Insufficient data to determine if AUBANK has a sufficient allowance for bad loans.
Low Risk Liabilities: 79% 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 (96%) is appropriate.
Level of Bad Loans: AUBANK has a high level of bad loans (4.3%).
What is AU Small Finance Bank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AUBANK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AUBANK'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 AUBANK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AUBANK's dividend payments have been 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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Sanjay Agarwal (50 yo)
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 ($USD310.26K) is below average for companies of similar size in the Indian market ($USD670.89K).
Compensation vs Earnings: Sanjay's compensation has increased by more than 20% in the past year.
Experienced Management: AUBANK's management team is seasoned and experienced (5 years average tenure).
Experienced Board: AUBANK's board of directors are considered experienced (4 years average tenure).
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
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.1%.
AU Small Finance Bank Limited's company bio, employee growth, exchange listings and data sources
- Name: AU Small Finance Bank Limited
- Ticker: AUBANK
- Exchange: NSEI
- Founded: 1996
- Industry: Regional Banks
- Sector: Banks
- Market Cap: ₹364.697b
- Shares outstanding: 312.94m
- Website: https://www.aubank.in
Number of Employees
- AU Small Finance Bank Limited
- Bank House
- Mile 0, Ajmer Road
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/25 12:07|
|End of Day Share Price||2021/07/23 00:00|
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.