ScoreWhy is AU Small Finance Bank Ltd ?
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
- The company has declared positive results for the last 3 consecutive quarters
- NII(Q) Highest at Rs 2,022.71 cr
- INTEREST EARNED(Q) Highest at Rs 4,113.48 cr
- PBT LESS OI(Q) At Rs 84.82 cr has Grown at 51.68%
3
Stock is technically in a Mildly Bearish range
- The stocks MACD and KST technical factors are also Bearish
4
With ROA of 1.6, it has a Fair valuation with a 2.6 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -12.35%, its profits have risen by 28.1% ; the PEG ratio of the company is 1.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to AU Small Finance should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is AU Small Finance for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
AU Small Finance
-12.68%
-0.39
31.71%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
NII(Q)
Highest at Rs 2,022.71 cr
INTEREST EARNED(Q)
Highest at Rs 4,113.48 cr
PBT LESS OI(Q)
At Rs 84.82 cr has Grown at 51.68%
PAT(Q)
At Rs 528.45 cr has Grown at 40.8%
PBDIT(Q)
Highest at Rs 586.50 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 14.26%
-5What is not working for the Company
GROSS NPA(Q)
Highest at 2.31%
NON-OPERATING INCOME(Q)
is 87.94 % of Profit Before Tax (PBT
NET NPA(Q)
Highest at 0.91%
Loading Valuation Snapshot...
Here's what is working for AU Small Finance
Net Interest Income (Quarterly)
Highest at Rs 2,022.71 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 4,113.48 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Interest Earned - Quarterly
At Rs 4,113.48 cr has Grown at 50.36%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 84.82 cr has Grown at 51.68%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 528.45 cr has Grown at 40.8%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 586.50 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 14.26%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Here's what is not working for AU Small Finance
Gross NPA - Quarterly
Highest at 2.31%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Non Operating Income - Quarterly
is 87.94 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Net NPA - Quarterly
Highest at 0.91%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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