AU Small Finance Bank

745.30

+25.85

(3.59%)

Market Cap (₹ Cr.)

₹53,471

52 Week High

813.40

Book Value

₹

52 Week Low

553.70

PE Ratio

31.22

PB Ratio

4.25

PE for Sector

15.46

PB for Sector

1.77

ROE

38.28 %

ROCE

16.45 %

Dividend Yield

0.00 %

EPS

₹23.05

Industry

Banks

Sector

Banks - Private Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

19.10 %

Net Income Growth

210.48 %

Cash Flow Change

151.43 %

ROE

67.27 %

ROCE

50.77 %

EBITDA Margin (Avg.)

-1.76 %

Financial Results

Quarterly Financials	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	1,004	360	353	390	419	503	570	666	703	806	894	1,007	1,168	1,184	1,273	1,367	1,410	1,473	1,947	1,569	1,568	1,597	1,772	1,978	1,979	2,240	2,413	2,608	2,773	2,957	3,186	3,385	4,315
Expenses	94	119	100	150	146	209	236	296	272	303	308	341	347	386	395	573	477	413	730	736	663	557	694	859	779	875	925	1,016	1,048	1,141	1,276	1,438	1,797
EBITDA	909	241	253	239	273	294	334	370	431	502	587	666	821	799	878	794	933	1,061	1,217	833	904	1,039	1,078	1,120	1,200	1,365	1,488	1,592	1,725	1,815	1,909	1,947	2,517
Operating Profit %	68 %	63 %	69 %	56 %	60 %	49 %	49 %	44 %	55 %	56 %	61 %	61 %	64 %	63 %	64 %	52 %	60 %	66 %	42 %	43 %	51 %	60 %	54 %	48 %	57 %	56 %	56 %	55 %	57 %	55 %	53 %	49 %	52 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	124	128	125	121	178	191	214	245	314	362	440	490	562	582	605	629	668	652	628	637	629	652	676	730	844	909	965	1,062	1,212	1,282	1,411	1,492	1,848
Profit Before Tax	785	113	127	118	95	103	120	125	117	140	146	176	259	217	273	165	264	409	589	196	275	388	402	389	356	456	523	530	513	533	498	455	669
Tax	194	42	45	40	34	35	41	42	40	49	51	58	69	45	83	43	64	87	110	27	71	109	100	43	88	113	130	105	126	132	123	84	166
Net Profit	591	70	83	78	62	68	79	83	77	91	95	118	190	172	190	122	201	322	479	169	203	279	302	346	268	343	393	425	387	402	375	371	503
EPS in ₹	22.34	15.38	3.02	2.74	2.18	2.40	2.77	2.91	2.69	3.15	3.26	4.05	6.51	5.87	6.43	4.03	6.58	10.50	15.62	5.49	6.50	8.90	9.63	11.02	4.25	5.27	5.90	6.37	5.80	6.02	5.61	5.54	6.77

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	4,035	6,294	9,781	18,833	32,623	42,143	51,591	69,078	90,216	1,09,426
Fixed Assets	19	24	36	380	440	438	477	609	707	784
Current Assets	0	0	0	0	0	0	0	0	0	0
Capital Work in Progress	0	0	240	6	7	10	5	14	33	67
Investments	140	232	2,150	3,051	7,162	10,668	10,815	15,307	20,072	27,133
Other Assets	3,877	6,038	7,355	15,396	25,014	31,027	40,294	53,149	69,404	81,441
Total Liabilities	3,225	5,285	7,794	16,552	29,460	37,766	45,316	61,564	79,239	96,867
Current Liabilities	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities	3,225	5,285	7,794	16,552	29,460	37,766	45,316	61,564	79,239	96,866
Total Equity	811	1,009	1,988	2,281	3,163	4,377	6,275	7,514	10,977	12,560
Reserve & Surplus	767	965	1,703	1,995	2,871	4,073	5,963	7,199	10,311	11,890
Share Capital	44	44	284	286	292	304	312	315	667	669

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	12	-7	596	1,136	-21	1,629	1,412	1,147	3,497	-3,049
Investing Activities	-23	-33	552	-1,890	-2,305	-1,267	-990	-4,753	-4,320	-4,855
Operating Activities	-747	-1,938	-2,405	2,505	848	660	5,056	6,849	5,494	2,608
Financing Activities	782	1,964	2,448	521	1,436	2,237	-2,655	-948	2,323	-802

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Aug 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Apr 2024	Jun 2024
Promoter	28.47 %	28.41 %	28.39 %	28.33 %	28.23 %	28.21 %	26.75 %	25.58 %	25.55 %	25.54 %	25.53 %	25.49 %	25.46 %	25.45 %	22.93 %	22.92 %
FIIs	32.05 %	31.90 %	32.45 %	33.21 %	34.31 %	35.07 %	35.94 %	38.51 %	39.58 %	39.70 %	41.58 %	41.61 %	41.09 %	39.36 %	35.46 %	39.57 %
DIIs	20.53 %	21.38 %	20.90 %	20.00 %	18.78 %	18.41 %	19.83 %	21.33 %	20.67 %	20.66 %	19.28 %	19.59 %	20.83 %	22.79 %	21.17 %	18.45 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	18.94 %	18.32 %	18.26 %	18.46 %	18.67 %	18.31 %	17.48 %	14.57 %	14.20 %	14.09 %	13.61 %	13.31 %	12.61 %	12.40 %	20.44 %	19.06 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
HDFC Bank	1,709.30	12,72,590.50	18.67	4,07,994.78	99.35	65,447	38.58	68.04
ICICI Bank	1,290.95	8,93,548.63	19.72	2,36,037.73	26.78	45,007	13.15	71.72
Axis Bank	1,242.90	3,80,782.72	14.24	1,37,989.36	30.43	26,424	5.79	68.00
Kotak Bank	1,869.35	3,66,987.06	19.69	94,273.91	38.35	17,977	79.47	62.75
Indusind Bank	1,483.70	1,14,312.81	12.67	55,143.99	23.81	8,977	2.18	66.56
IDBI Bank	87.97	98,201.69	15.61	30,370.41	20.68	5,814	40.90	44.21
Yes Bank	22.91	73,345.03	50.87	32,960.89	23.98	1,285	48.84	43.56
IDFC First Bank	72.88	54,808.39	19.23	36,256.84	33.32	2,942	-12.15	44.94
AU Small Finance Bank	745.95	53,470.73	31.22	1,445.99	19.10	761	29.90	73.55
Federal Bank	185.40	45,169.80	11.22	26,781.95	32.27	3,928	17.18	40.65

Corporate Action

Technical Indicators

RSI(14)

Neutral

73.55

ATR(14)

Less Volatile

15.82

STOCH(9,6)

Overbought

85.69

STOCH RSI(14)

Overbought

84.46

MACD(12,26)

Bullish

3.09

ADX(14)

Strong Trend

36.45

UO(9)

Bearish

54.39

ROC(12)

Uptrend And Accelerating

6.38

WillR(14)

Overbought

-5.05