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AU Small Finance

  • Market Cap: Large Cap
  • Industry: Bank - Private
  • ISIN: INE949L01017
  • NSEID: AUBANK
  • BSEID: 540611
INR
553.65
-0.75 (-0.14%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 14.62 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

551.00564.60

52 Week

479.00755.00
Valuation
Technical
Day's Volume

CASH

14.62 lacs (1.04%) Volume

Shareholding (Dec 2024)

FII

39.35%

Held by 588 FIIs

DII

21.78%

Held by 80 DIIs

Promoter

22.88%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.93%

  • Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 31.95% and Net profit at 24.86%
  • The Bank has a high Capital Adequacy Ratio of 0% signifying high buffers against its risk based assets
2

With a growth in Operating Profit of 85.48%, the company declared Very Positive results in Dec 24

3

Stock is technically in a Mildly Bearish range

4

With ROA of 1.6, it has a Fair valuation with a 2.6 Price to Book Value

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Private

stock-summary
Market cap

INR 41,221 Cr (Large Cap)

stock-summary
Dividend Yield

0.18%

stock-summary
CAR

0.00%

stock-summary
Return on Assets

1.56%

stock-summary
Net NPA

0.91%

stock-summary
Gross NPA

2.31%

Revenue and Profits (1 Year):
Int. Earned:
4,113.48 Cr
(Quarterly Results - Dec 2024)
Net Profit:
528 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.18%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-19.88%
0%
-19.88%
1 Year
-12.68%
0.15%
-12.53%
2 Years
-4.25%
0.29%
-3.96%
3 Years
-20.7%
0.40%
-20.3%
4 Years
-5.71%
0.53%
-5.18%
5 Years
123.18%
1.25%
124.43%

Latest dividend: 1 per share ex-dividend date: Jul-12-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
31.95%
Net Profit Growth (5y)
24.86%
Advance to Deposit
95.64%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.31%
Gross NPA (avg)
1.94%
Coverage Ratio (avg)
65.21%
Cost to Income (avg)
56.67%
Net Interest Margin (avg)
6.02%
Operating Profit to Assets (avg)
7.92%
ROA (avg)
1.93%
Valuation key factors
Factor
Value
P/E Ratio
20
Price to Book Value
2.59
PEG Ratio
1.34
Dividend Yield
0.18%
ROE (Latest)
12.76%
ROA (Latest)
1.56%
Net NPA to Book Value
5.68
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

FIIs

Pledged Promoter Holdings

None

Mutual Funds

Held by 27 Schemes (17.11%)

FIIs

Held by 588 FIIs (39.35%)

Promoter with highest holding

Sanjay Agarwal (15.75%)

Highest Public shareholder

Fincare Business Services Ltd (6.27%)

Individual Investors Holdings

4.9%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - YoY",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 50.36% vs 29.17% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 40.83% vs -4.48% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 4113.48,
          "val2": 2735.82,
          "chgp": "50.36%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,204.91",
          "val2": "649.63",
          "chgp": "85.48%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.91%",
          "val2": "0.68%",
          "chgp": "0.23%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.31%",
          "val2": "1.98%",
          "chgp": "0.33%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "528.45",
          "val2": "375.25",
          "chgp": "40.83%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 53.92% vs 30.87% in Sep 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 36.14% vs 29.20% in Sep 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 7679.65,
          "val2": 4989.39,
          "chgp": "53.92%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "2,083.51",
          "val2": "1,167.05",
          "chgp": "78.53%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.75%",
          "val2": "0.60%",
          "chgp": "0.15%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "1.98%",
          "val2": "1.91%",
          "chgp": "0.07%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,073.78",
          "val2": "788.73",
          "chgp": "36.14%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 52.66% vs 30.26% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 37.65% vs 16.02% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 11793.13,
          "val2": 7725.21,
          "chgp": "52.66%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "3,288.42",
          "val2": "1,816.68",
          "chgp": "81.01%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.91%",
          "val2": "0.68%",
          "chgp": "0.23%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.31%",
          "val2": "1.98%",
          "chgp": "0.33%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,602.23",
          "val2": "1,163.98",
          "chgp": "37.65%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 28.63% vs 38.56% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 11.61% vs 26.38% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 10554.71,
          "val2": 8205.41,
          "chgp": "28.63%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "2,466.22",
          "val2": "2,019.48",
          "chgp": "22.12%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.55%",
          "val2": "0.42%",
          "chgp": "0.13%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "1.67%",
          "val2": "1.66%",
          "chgp": "0.01%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "1,593.67",
          "val2": "1,427.93",
          "chgp": "11.61%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - YoYstock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
4113.48
2735.82
50.36%
Operating Profit (PBDIT)
1,204.91
649.63
85.48%
% of Net NPAs
0.91%
0.68%
0.23%
% of Gross NPAs
2.31%
1.98%
0.33%
Exceptional Items
0.00
0.00
Net Profit
528.45
375.25
40.83%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in quarter ended Dec 2024 is 50.36% vs 29.17% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in quarter ended Dec 2024 is 40.83% vs -4.48% in Dec 2023

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
7679.65
4989.39
53.92%
Operating Profit (PBDIT)
2,083.51
1,167.05
78.53%
% of Net NPAs
0.75%
0.60%
0.15%
% of Gross NPAs
1.98%
1.91%
0.07%
Exceptional Items
0.00
0.00
Net Profit
1,073.78
788.73
36.14%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 53.92% vs 30.87% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 36.14% vs 29.20% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
11793.13
7725.21
52.66%
Operating Profit (PBDIT)
3,288.42
1,816.68
81.01%
% of Net NPAs
0.91%
0.68%
0.23%
% of Gross NPAs
2.31%
1.98%
0.33%
Exceptional Items
0.00
0.00
Net Profit
1,602.23
1,163.98
37.65%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 52.66% vs 30.26% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 37.65% vs 16.02% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
10554.71
8205.41
28.63%
Operating Profit (PBDIT)
2,466.22
2,019.48
22.12%
% of Net NPAs
0.55%
0.42%
0.13%
% of Gross NPAs
1.67%
1.66%
0.01%
Exceptional Items
0.00
0.00
Net Profit
1,593.67
1,427.93
11.61%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 28.63% vs 38.56% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 11.61% vs 26.38% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About AU Small Finance Bank Ltd stock-summary
stock-summary
AU Small Finance Bank Ltd
Large Cap
Bank - Private
AU Small Finance Bank Limited (formerly known as Au Financiers (India) Limited) was incorporated as a Public Limited Company. On 13th April 2017, the name of the Company was changed from 'Au Financiers (India) Limited' to 'AU Small Finance Bank Limited' and thereafter the Bank commenced its banking operations on 19th April, 2017 and surrendered its NBFC-ND-AFC Certificate of Registration with the RBI.
Company Coordinates stock-summary
Company Details
19-A Dhuleshwar Garden, Ajmer Road Jaipur Rajasthan : 302001
stock-summary
Tel: 91-141-4110060
stock-summary
http://www.aubank.in
stock-summary
ipo@aubank.in
Registrar Details
Link Intime India Pvt Ltd, C-13 Pannalal Silk Compound, L B S Marg, Bhandup , Mumbai
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