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AU Small Finance Bank Ltd

AUBANK

AU Small Finance Bank Ltd

AUBANK
FinancialsConsumer Finance
MidcapWith a market cap of ₹40,806 cr, stock is ranked 213
Moderate RiskStock is 2.18x as volatile as Nifty
548.301.41% (-7.85)
548.301.41% (-7.85)

Price Chart

High
Low
Returns
1D
1W
1M
1Y
5Y
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SIP
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsConsumer Finance
MidcapWith a market cap of ₹40,806 cr, stock is ranked 213
Moderate RiskStock is 2.18x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsConsumer Finance
MidcapWith a market cap of ₹40,806 cr, stock is ranked 213
Moderate RiskStock is 2.18x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
22.423.250.16%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.612.450.98%

Forecast & Ratings

Detailed Forecast 
63%
Analysts have suggested that investors can buy this stock

from 19 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

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

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Customise key metrics, see detailed forecasts, download stock data and more

Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 29.24%, vs industry avg of 15.2%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 2.73% to 5.24%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 32.08%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue1,015.482,089.962,155.253,411.044,991.976,370.986,915.429,239.8712,300.6015,397.52
Raw Materialssubtract13,016.87
Power & Fuel Costsubtract
Employee Costsubtract152.80192.78424.89601.11759.62980.171,378.921,793.032,103.68
Selling & Administrative Expensessubtract83.3763.66200.93266.94332.93354.24568.27897.011,194.56
Operating & Other expensessubtract448.141,005.771,032.831,901.112,896.833,473.703,374.004,499.776,777.49
Depreciation/Amortizationsubtract8.525.7853.2561.7588.62104.37140.17185.42225.44
Interest & Other Itemssubtract
Taxes & Other Itemssubtract111.030.00151.31198.32239.19287.82324.24436.72464.71560.89
EPS2.007.493.426.6111.3118.9918.0222.0322.9827.19
DPS0.000.000.250.380.000.000.251.001.001.00
Payout ratio0.000.000.070.060.000.000.010.050.040.04

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 5PDF
May 4PDF
Apr 26PDF
Mar 10PDF
FY 2023

Annual report

PDF

Investor Presentation

Apr 25PDF
Jan 19PDF
Nov 3PDF
+2 more
FY 2024

Annual report

PDF

Investor Presentation

Jul 22PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
AU Small Finance Bank Ltd26.593.250.16%
Bajaj Finance Ltd29.185.500.53%
Jio Financial Services Ltd120.981.40
Shriram Finance Ltd14.942.221.54%

Price Comparison

Compare AUBANK with any stock or ETF
Compare AUBANK with any stock or ETF
AUBANK
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Shareholdings

Promoter Holdings Trend

Decreased Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 2.55%

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Increased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has increased by 1.13%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding22.90%15.54%4.60%40.72%16.24%

Mar 2024

Apr 2024

Jun 2024

Sep 2024

Shareholding History

SepDec '23MarAprJunSep41.65%41.12%39.37%35.47%39.58%40.72%

Mutual Funds Holding Trend

Increased Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

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)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
HDFC Mid-Cap Opportunities Fund - Growth - Direct Plan

Growth
2.5688%1.40%-0.23%27/78 (-4)
Kotak Flexicap Fund - Growth - Direct Plan

Growth
1.3475%1.10%-0.26%34/64 (-1)
DSP Midcap Fund - Growth - Direct Plan

Growth
1.2515%2.70%-0.35%9/62 (-3)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have AU Small Finance Bank Ltd

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

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Jul 12, 2024

Cash Dividend

Ex DateEx DateJul 14, 2023

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Jul 14, 2023

Cash Dividend

Ex DateEx DateJul 28, 2022

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 28, 2022

Cash Dividend

Ex DateEx DateJul 18, 2019

Final
Final | Div/Share: ₹0.75

Dividend/Share

0.75

Ex DateEx Date

Jul 18, 2019

Cash Dividend

Ex DateEx DateJul 30, 2018

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 30, 2018

News & Opinions
Corporate
AU Small Finance Bank allots 99,162 equity shares under ESOP

AU Small Finance Bank has allotted 99,162 equity shares under ESOP on 25 December 2024. The paid-up equity share capital of the Bank will accordingly increase from Rs. 7,44,13,37,560 to Rs. 7,44,23,29,180.Powered by Capital Market - Live

16 hours agoCapital Market - Live
Spotlight
AU Small Finance Bank Ltd down for fifth straight session

AU Small Finance Bank Ltd is down for a fifth straight session today. The stock is quoting at Rs 548, down 1.85% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 1.06% on the day, quoting at 23942.900390625. The Sensex is at 79220.66, down 1.2%.AU Small Finance Bank Ltd has lost around 7.73% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has increased around 2.22% in last one month and is currently quoting at 52139.55, down 1.24% on the day. The volume in the stock stood at 14.27 lakh shares today, compared to the daily average of 19.78 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 549.75, down 1.8% on the day. AU Small Finance Bank Ltd tumbled 27.9% in last one year as compared to a 13.2% rally in NIFTY and a 8.53% spurt in the Nifty Bank index.The PE of the stock is 22.09 based on TTM earnings ending September 24.Powered by Capital Market - Live

1 week agoCapital Market - Live
Spotlight
AU Small Finance Bank Ltd drops for fifth straight session

AU Small Finance Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 580.15, down 0.55% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is up around 0.12% on the day, quoting at 24160.65. The Sensex is at 79874.26, up 0.09%.AU Small Finance Bank Ltd has eased around 7.24% in last one month.Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has increased around 1.2% in last one month and is currently quoting at 52055.6, down 0.43% on the day. The volume in the stock stood at 17.13 lakh shares today, compared to the daily average of 24.37 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 582.55, down 0.68% on the day. AU Small Finance Bank Ltd tumbled 23.03% in last one year as compared to a 16.79% rally in NIFTY and a 11.63% spurt in the Nifty Bank index.The PE of the stock is 23.04 based on TTM earnings ending September 24.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
AU Small Finance Bank enters into bancassurance partnership with Bharti AXA Life Insurance

AU Small Finance Bank (AU SFB) and Bharti AXA Life Insurance, a wholly owned subsidiary of Bharti Life Ventures (Bharti Group) , today announced its strategic bancassurance partnership aimed at providing AU SFB's customers with a comprehensive life insurance and financial security solutions. With immediate effect, AU SFB's customers will gain access to Bharti AXA's extensive suite of life insurance and financial security solutions, featuring life insurance, term insurance, ULIP plans, savings plans, child education plans, and retirement plans. This strategic partnership is expected to significantly enhance AU SFB's offerings in Southern India, leveraging Bharti AXA Life's diversified portfolio to create a holistic ecosystem for customers with a wide range of financial solutions, streamlined services and personalized support. Following its recent application for a universal banking license with the Reserve Bank of India (RBI), AU SFB is strategically enhancing its bancassurance portfolio to provide cutting-edge, technology-driven insurance solutions to its extensive customer base of over 1 crore, spanning diverse segments. This customer-centric strategy empowers AU SFB to assess and address the distinct financial requirements of each customer. Powered by Capital Market - Live

4 weeks agoCapital Market - Live
Spotlight
AU Small Finance Bank join hands with Bharti AXA Life Insurance

AU SFB customers will have access to Bharti AXA's comprehensive life insurance and financial security solutions, including life insurance, term insurance, ULIP plans, savings plans, child education plans, and retirement plans. This partnership aims to enhance AU SFB's offerings, particularly in Southern India, by leveraging Bharti AXA Life's diverse portfolio to create a holistic ecosystem with a wide range of financial solutions, streamlined services, and personalized support. Following its recent application for a universal banking license with the Reserve Bank of India (RBI), AU SFB is strategically enhancing its bancassurance portfolio to provide cutting-edge, technology-driven insurance solutions to its extensive customer base of over 1 crore, spanning diverse segments. Uttam Tibrewal, executive director and deputy CEO of AU Small Finance Bank, said, 'At AU SFB, our customers remain at the core of everything we do. The bank remains committed to its mission of constantly evolving and adapting to meet the changing needs of the customers. AU SFB is excited to partner with Bharti AXA Life Insurance to offer a wide range of innovative life insurance products. This collaboration will empower our customers to achieve their aspirations, protect their loved ones, and secure their financial futures. This partnership also marks a significant step towards realizing our vision of becoming the preferred digital financial partner while embodying our 'Banking Bhi, Bima Bhi' ethos. AU SFB's customer-focused approach will allow individuals to choose the insurance solution that suits them best, ensuring they receive fair and transparent sales practices.' Parag Raja, MD & CEO at Bharti AXA Life Insurance, said, 'We are delighted to announce our strategic partnership with AU SFB, which has a strong legacy of serving the unreached and unbanked masses of India. AU SFB's extensive network, combined with our expertise in simplifying insurance, creates a powerful synergy that will allow us to offer tailored and innovative financial solutions. This alliance aligns with IRDAI's vision of achieving 'Insurance for all' by 2047. By combining our capabilities, Bharti AXA Life and AU SFB look forward to creating a more comprehensive financial experience for customers, thereby contributing to increased insurance penetration and advancing towards the regulator's vision.' 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 bank's net profit jumped 42.15% to Rs 571.21 crore in Q2 FY25 as compared with Rs 401.83 crore in Q2 FY24. Net interest income (NII) stood at Rs 1,974 crore in the second quarter of FY25, up 58.05% YoY. Shares of AU Small Finance Bank fell 0.76% to Rs 585.90 on the BSE.Powered by Capital Market - Live

4 weeks agoCapital Market - Live
Corporate
AU Small Finance Bank allots 3.17 lakh equity shares under ESOP

AU Small Finance Bank has allotted 3,17,883 equity shares under ESOP on 25 November 2024. The paid-up equity share capital of the Bank will accordingly increase from Rs. 7,43,76,18,730 to Rs. 7,44,13,37,560. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
AU Small Finance Bank Ltd soars 0.14%, rises for fifth straight session

AU Small Finance Bank Ltd is up for a fifth straight session in a row. The stock is quoting at Rs 594.75, up 0.14% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 1.39% on the day, quoting at 23674.85. The Sensex is at 78197.15, up 1.35%. AU Small Finance Bank Ltd has dropped around 8.79% in last one month. Meanwhile, Nifty Bank index of which AU Small Finance Bank Ltd is a constituent, has dropped around 0.46% in last one month and is currently quoting at 50372.9, up 1.25% on the day. The volume in the stock stood at 10.33 lakh shares today, compared to the daily average of 28.47 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 594, up 0.39% on the day. AU Small Finance Bank Ltd is down 17.32% in last one year as compared to a 19.56% spurt in NIFTY and a 17.04% spurt in the Nifty Bank index.The PE of the stock is 23.49 based on TTM earnings ending September 24.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
AU Small Finance Bank Ltd spurts 2.58%

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

1 month agoCapital Market - Live
Spotlight
AU Small Finance Bank Ltd drops for fifth straight session

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

1 month agoCapital Market - Live
Earnings
AU Small Finance Bank standalone net profit rises 42.15% in the September 2024 quarter

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

2 months agoCapital Market - Live