AU Small Finance Bank Ltd
AUBANKAU Small Finance Bank Ltd
AUBANKPrice Chart
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Key Metrics
No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
---|---|---|
24.15 | 3.50 | 0.15% |
Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
---|---|---|
17.34 | 2.41 | 1.00% |
Forecast & Ratings
Detailed Forecast from 19 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Au Financiers Limited is a non-banking finance company which focuses in rural and semi urban areas in Rajasthan. It offers various services, such as commercial vehicle loan, car loan, loan against property, small and medium enterprises loan
Peers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Cholamandalam Investment and Finance Company Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
All values in ₹
Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
All values in ₹
Income
Balance Sheet
Cash Flow
Income Statement
Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Revenue | 1,015.48 | 2,089.96 | 2,155.25 | 3,411.04 | 4,991.97 | 6,370.98 | 6,915.42 | 9,239.87 | 12,300.60 | 15,397.52 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 13,016.87 | ||||||||||
Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
Employee Cost | 152.80 | 192.78 | 424.89 | 601.11 | 759.62 | 980.17 | 1,378.92 | 1,793.03 | 2,103.68 | |||||||||||
Selling & Administrative Expenses | 83.37 | 63.66 | 200.93 | 266.94 | 332.93 | 354.24 | 568.27 | 897.01 | 1,194.56 | |||||||||||
Operating & Other expenses | 448.14 | 1,005.77 | 1,032.83 | 1,901.11 | 2,896.83 | 3,473.70 | 3,374.00 | 4,499.77 | 6,777.49 | |||||||||||
EBITDA | 331.17 | 827.75 | 496.60 | 641.88 | 1,002.59 | 1,562.87 | 1,594.23 | 2,050.06 | 2,224.87 | 2,380.65 | ||||||||||
Depreciation/Amortization | 8.52 | 5.78 | 53.25 | 61.75 | 88.62 | 104.37 | 140.17 | 185.42 | 225.44 | — | ||||||||||
PBIT | 322.65 | 821.97 | 443.35 | 580.13 | 913.97 | 1,458.50 | 1,454.06 | 1,864.64 | 1,999.43 | 2,380.65 | ||||||||||
Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
PBT | 322.65 | 821.97 | 443.35 | 580.13 | 913.97 | 1,458.50 | 1,454.06 | 1,864.64 | 1,999.43 | 2,380.65 | ||||||||||
Taxes & Other Items | 111.03 | 0.00 | 151.31 | 198.32 | 239.19 | 287.82 | 324.24 | 436.72 | 464.71 | 560.89 | ||||||||||
Net Income | 211.62 | 821.97 | 292.04 | 381.81 | 674.78 | 1,170.68 | 1,129.82 | 1,427.92 | 1,534.72 | 1,819.76 | ||||||||||
EPS | 2.00 | 7.49 | 3.42 | 6.61 | 11.31 | 18.99 | 18.02 | 22.03 | 22.98 | 27.19 | ||||||||||
DPS | 0.00 | 0.00 | 0.25 | 0.38 | 0.00 | 0.00 | 0.25 | 1.00 | 1.00 | 1.00 | ||||||||||
Payout ratio | 0.00 | 0.00 | 0.07 | 0.06 | 0.00 | 0.00 | 0.01 | 0.05 | 0.04 | 0.04 |
Company Updates
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
---|---|---|---|
AU Small Finance Bank Ltd | 28.64 | 3.50 | 0.15% |
Bajaj Finance Ltd | 28.23 | 5.32 | 0.55% |
Jio Financial Services Ltd | 126.44 | 1.46 | — |
Shriram Finance Ltd | 14.42 | 2.14 | 1.59% |
Price Comparison
Compare AUBANK with any stock or ETFShareholdings
Promoter Holdings Trend
Decreased Total Promoter Holding
In last 6 months, promoter holding in the company has decreased by 2.55%
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Increased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has increased by 1.13%
Shareholding Pattern
Mar 2024
Apr 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Increased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has increased by 3.09%
Top 5 Mutual Funds holding AU Small Finance Bank Ltd
Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
---|---|---|---|---|
HDFC Mid-Cap Opportunities Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.6314% | Percentage of the fund’s portfolio invested in the stock 1.49% | Change in the portfolio weight of the stock over the last 3 months -0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 25/79 (+10) |
Kotak Flexicap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.4833% | Percentage of the fund’s portfolio invested in the stock 1.21% | Change in the portfolio weight of the stock over the last 3 months -0.05% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 33/63 (-3) |
DSP Midcap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.2384% | Percentage of the fund’s portfolio invested in the stock 2.86% | Change in the portfolio weight of the stock over the last 3 months 1.62% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 35/64 (+11) |
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smallcases
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Events
Dividend Trend
No dividend trend available
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJul 12, 2024
Dividend/Share
₹1.00
Ex DateEx Date
Jul 12, 2024
Cash Dividend
Ex DateEx DateJul 14, 2023
Dividend/Share
₹1.00
Ex DateEx Date
Jul 14, 2023
Cash Dividend
Ex DateEx DateJul 28, 2022
Dividend/Share
₹0.50
Ex DateEx Date
Jul 28, 2022
Cash Dividend
Ex DateEx DateJul 18, 2019
Dividend/Share
₹0.75
Ex DateEx Date
Jul 18, 2019
Cash Dividend
Ex DateEx DateJul 30, 2018
Dividend/Share
₹0.50
Ex DateEx Date
Jul 30, 2018
AU Small Finance Bank Ltd gained for a third straight session today. The stock is quoting at Rs 593.95, up 2.58% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 1.25% on the day, quoting at 23745.85. The Sensex is at 78326.94, up 1.28%. AU Small Finance Bank Ltd has slipped around 10.66% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has slipped around 2.02% in last one month and is currently quoting at 50363.8, up 1.1% on the day. The volume in the stock stood at 15.11 lakh shares today, compared to the daily average of 27.66 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 592.55, up 2.54% on the day. AU Small Finance Bank Ltd is down 19.1% in last one year as compared to a 20.57% jump in NIFTY and a 16.82% jump in the Nifty Bank index.The PE of the stock is 22.87 based on TTM earnings ending September 24.Powered by Capital Market - Live
AU Small Finance Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 577.9, down 0.47% on the day as on 12:59 IST on the NSE. The benchmark NIFTY is up around 0.35% on the day, quoting at 24233.2. The Sensex is at 79752.86, up 0.34%.AU Small Finance Bank Ltd has eased around 17.56% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has increased around 0.41% in last one month and is currently quoting at 51561.2, up 0.91% on the day. The volume in the stock stood at 20.06 lakh shares today, compared to the daily average of 23.85 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 579.9, down 0.52% on the day. AU Small Finance Bank Ltd tumbled 18.38% in last one year as compared to a 24.11% rally in NIFTY and a 18.26% spurt in the Nifty Bank index.The PE of the stock is 22.94 based on TTM earnings ending September 24.Powered by Capital Market - Live
Net profit of AU Small Finance Bank rose 42.15% to Rs 571.21 crore in the quarter ended September 2024 as against Rs 401.83 crore during the previous quarter ended September 2023. Total Operating Income rose 54.51% to Rs 3910.61 crore in the quarter ended September 2024 as against Rs 2531.05 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income3910.612531.05 55 OPM %52.6055.67 - PBDT758.78533.38 42 PBT758.78533.38 42 NP571.21401.83 42 Powered by Capital Market - Live
AU Small Finance Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 686.8, down 0.52% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is up around 0.63% on the day, quoting at 25122. The Sensex is at 81953.1, up 0.7%.AU Small Finance Bank Ltd has eased around 4.47% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has eased around 0.89% in last one month and is currently quoting at 51172.3, up 1.01% on the day. The volume in the stock stood at 5.82 lakh shares today, compared to the daily average of 22.23 lakh shares in last one month. The benchmark October futures contract for the stock is quoting at Rs 690.9, down 0.27% on the day. AU Small Finance Bank Ltd tumbled 3.18% in last one year as compared to a 27.32% rally in NIFTY and a 16.87% spurt in the Nifty Bank index.The PE of the stock is 29.97 based on TTM earnings ending June 24.Powered by Capital Market - Live
AU Small Finance Bank will hold a meeting of the Board of Directors of the Company on 23 October 2024Powered by Capital Market - Live
AU Small Finance Bank has allotted 1,13,932 equity shares under ESOS on 26 September 2024. The paid-up equity share capital of the Bank will accordingly increase from Rs. 7,43,42,33,580 to Rs. 7,43,53,72,900.Powered by Capital Market - Live
The equity benchmarks came off the day's high but traded with substantial gains in mid-afternoon trade. The Nifty slipped below the 25,650 mark. FMCG stocks rallied for the second consecutive trading session. At 14:30 IST, the barometer index, the S&P BSE Sensex, advanced 702.80 points or 0.84% to 83,884.70. The Nifty 50 index added 234.35 points or 0.92% to 25,643.45. The Sensex and Nifty clocked an all-time high of 84,515.10 and 25,806.95, respectively in afternoon trade. Further, the Nifty Bank also hit a life high of 53,711.90. In the broader market, the S&P BSE Mid-Cap index added 0.61% and the S&P BSE Small-Cap index advanced 0.92%. The market breadth was strong. On the BSE, 2,309 shares rose and 1,570 shares fell. A total of 128 shares were unchanged. Buzzing Index: The Nifty FMCG index added 1.19% to 65,752.20. The index advanced 1.75% in the two consecutive trading sessions. United Spirits (up 2.49%), Nestle India (up 2.07%), Britannia Industries (up 1.7%), Hindustan Unilever (up 1.68%), Marico (up 1.38%), Balrampur Chini Mills (up 1.38%), ITC (up 1.36%), Tata Consumer Products (up 1.03%), Radico Khaitan (up 0.56%) and Colgate-Palmolive (India) (up 0.54%) edged higher. On the other hand, United Breweries (down 2.73%), Varun Beverages (down 1.21%) and Procter & Gamble Hygiene and Health Care (down 0.36%) edged lower. Numbers to Track: The yield on India's 10-year benchmark federal paper advanced 1.70% to 6.873 as compared with previous close 6.864. In the foreign exchange market, the rupee edged higher against the dollar. The partially convertible rupee was hovering at 83.5475, compared with its close of 83.6575 during the previous trading session. MCX Gold futures for 4 October 2024 settlement added 0.64% to Rs 73,914. The US Dollar index (DXY), which tracks the greenback's value against a basket of currencies, was up 0.14% to 100.75. The United States 10-year bond yield fell 0.14% to 3.704. In the commodities market, Brent crude for November 2024 settlement lost 40 cents or 0.53% to $74.48 a barrel. Stocks in spotlight: AU Small Finance Bank (SFB) fell 2.54%. The bank announced its partnership with Niva Bupa health insurance Company to offer health insurance products to the company's customers. IDFC First Bank shed 0.66%. The bank has announced that the Reserve Bank of India (RBI) has granted approval for the re-appointment of V. Vaidyanathan as the managing director and chief executive officer (MD & CEO) of the bank. Powered by Capital Market - Live
AU Small Finance Bank (AU SFB) announced its partnership with Niva Bupa Health Insurance Company (Niva Bupa) to offer health insurance products to AU SFB's customers. Building on Niva Bupa's existing relationship with Fincare Small Finance Bank (now merged with AU SFB), this collaboration introduces a refreshed business proposition, further enhancing the bank's customer offerings. Through this partnership, AU SFB's new and existing customers, including those from former Fincare SFB branches, can now access Niva Bupa's extensive range of retail as well as group health insurance products, encompassing health, personal accident and critical illness plans across the 2,414 touchpoints in India. This partnership is aimed to enable AU SFB to create affordable and transparent value proposition through technology and service modules. Leveraging Niva Bupa's network of 210 physical branches across 22 states and 4 union territories, along with AU SFB's distribution reach across India, both entities will collaborate to provide personalized and customer first health insurance solutions.Powered by Capital Market - Live
AU Small Finance Bank Ltd is up for a third straight session in a row. The stock is quoting at Rs 742.25, up 2.49% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.31% on the day, quoting at 25456.35. The Sensex is at 83278.9, up 0.4%. AU Small Finance Bank Ltd has risen around 19.5% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has risen around 4.46% in last one month and is currently quoting at 52750.4, up 0.6% on the day. The volume in the stock stood at 21.09 lakh shares today, compared to the daily average of 33.02 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 738.8, up 2.21% on the day. AU Small Finance Bank Ltd is down 1.75% in last one year as compared to a 27.91% spurt in NIFTY and a 16.93% spurt in the Nifty Bank index.The PE of the stock is 31.4 based on TTM earnings ending June 24.Powered by Capital Market - Live
The said insurance solutions includes motor insurance, personal accident insurance, crop insurance, property insurance, shopkeeper insurance, cyber incident insurance, and more. This collaboration positions AU SFB as a preferred choice for its diverse customer base across 21 states and 4 union territories, offering reliable and affordable general insurance solutions. The partnership leverages UIIC's vast network of branches in over 1000 tier 2 and tier 3 locations, aligning with AU SFB's expanding infrastructure and growing customer portfolio, the company stated in the filing. AU SFB has recently filed for a universal banking license with the Reserve Bank of India (RBI), and now focused on enhancing its bancassurance portfolio to offer innovative, technology-enabled insurance solutions to its customer base of over 1 crore, across all segments. Uttam Tibrewal, executive director & deputy CEO, AU Small Finance Bank, said, 'We're delighted to partner with United India Insurance Company, a renowned PSU insurance company with a rich legacy and extensive network across India. The combined expertise of two strong entities will enable transparent and personalised banking solutions to AU SFB's customers, nationwide. Our partnership is synergistic towards our efforts to achieve 'Vanchit Ko Variyata', by providing aptly priced and risk-underwritten product solution across retail and SME segments.' Bhupesh Sushil Rahul, chairman cum managing director & H. R. Gangwal, general manager, United India Insurance, said, 'This partnership will make our value-packed and innovative general insurance products available to a significantly larger customer base across the 2,414 touchpoints of AU SFB. Backed by top-tier, new-age services and a digital first approach, we are well placed to enable our customers in achieving their comprehensive Protection Goal aspirations. I am confident that our collective promise of 'Customer First' will lead to a long-term and successful partnership as we enable many more life goals, together.' AU Small Finance Bank (AU SFB/AU) is a scheduled commercial bank, a Fortune India 500 Company and the largest Small Finance Bank in the country. The company's consolidated net profit jumped 29.9% to Rs 502.57 in Q1 FY25 as against 386.90 crore posted in Q1 FY24. Total income surged 55.6% YoY to Rs 4,314.70 crore for the quarter ended 30 June 2024. Powered by Capital Market - Live
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 29.24%, vs industry avg of 15.2%
Increasing Market Share
Over the last 5 years, market share increased from 2.73% to 5.24%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 32.08%, vs industry avg of 20.97%