Financials AU Small Finance Bank Limited

Equities

AUBANK

INE949L01017

Banks

Market Closed - NSE India S.E. 05:13:47 10/05/2024 pm IST 5-day change 1st Jan Change
635.1 INR +1.14% Intraday chart for AU Small Finance Bank Limited -1.53% -19.34%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,74,128 1,53,689 3,83,351 3,92,444 3,86,179 4,71,709 - -
Enterprise Value (EV) 1 1,74,128 1,53,689 3,83,351 3,92,444 3,86,179 3,78,077 4,71,709 4,71,709
P/E ratio 46.2 x 22.6 x 32.4 x 34.9 x 26.6 x 24.7 x 21.9 x 16.4 x
Yield 0.13% - - 0.08% 0.17% 0.28% 0.33% 0.37%
Capitalization / Revenue 9.65 x 5.88 x 10 x 9.28 x 7.07 x 5.48 x 4.59 x 3.67 x
EV / Revenue 9.65 x 5.88 x 10 x 9.28 x 7.07 x 5.48 x 4.59 x 3.67 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 5.83 x 3.49 x 6.11 x 5.25 x 3.52 x 3.42 x 2.75 x 2.4 x
Nbr of stocks (in thousands) 5,84,715 6,08,247 6,24,427 6,29,800 6,66,745 7,42,732 - -
Reference price 2 297.8 252.7 613.9 623.1 579.2 635.1 635.1 635.1
Announcement Date 22/04/19 02/05/20 29/04/21 26/04/22 25/04/23 24/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,045 26,150 38,170 42,278 54,597 69,031 1,02,692 1,28,426
EBITDA - - - - - - - -
EBIT 1 7,219 11,972 21,586 18,150 20,195 25,150 38,210 50,421
Operating Margin 40.01% 45.78% 56.55% 42.93% 36.99% 36.43% 37.21% 39.26%
Earnings before Tax (EBT) 1 5,801 9,140 14,585 14,541 18,646 19,994 27,864 37,340
Net income 1 3,818 6,748 11,707 11,298 14,279 15,347 21,076 28,332
Net margin 21.16% 25.8% 30.67% 26.72% 26.15% 22.23% 20.52% 22.06%
EPS 2 6.450 11.16 18.93 17.84 21.74 22.86 28.94 38.62
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.3750 - - 0.5000 1.000 1.777 2.075 2.339
Announcement Date 22/04/19 02/05/20 29/04/21 26/04/22 25/04/23 24/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 S2
Net sales 1 12,965 9,325 9,082 9,440 10,961 12,479 11,352 13,307 14,476 15,463 15,613 16,352 16,429 18,444 25,240 -
EBITDA - - - - - - - - - - - - - - - -
EBIT 1 8,728 3,738 4,513 3,914 4,584 4,823 3,941 4,988 5,557 5,709 5,460 5,713 6,582 6,673 9,017 -
Operating Margin 67.32% 40.09% 49.69% 41.47% 41.83% 38.65% 34.72% 37.48% 38.39% 36.92% 34.97% 34.94% 40.06% 36.18% 35.73% -
Earnings before Tax (EBT) 1 5,892 1,960 2,747 3,878 4,025 3,891 3,557 4,558 5,231 5,300 5,131 5,240 5,405 5,013 - -
Net income 1 4,790 1,690 2,032 2,785 3,020 3,461 2,679 3,426 3,928 4,246 3,869 3,911 4,084 3,808 5,224 -
Net margin 36.95% 18.12% 22.37% 29.5% 27.56% 27.73% 23.6% 25.75% 27.14% 27.46% 24.78% 23.92% 24.86% 20.65% 20.7% -
EPS 2 7.770 2.725 3.215 4.405 4.770 5.460 4.220 5.240 5.870 6.340 5.770 5.600 6.100 5.750 - -
Dividend per Share - - - - - - - - - - - - - - - 1,382
Announcement Date 28/01/21 29/04/21 06/08/21 28/10/21 28/01/22 26/04/22 20/07/22 19/10/22 19/01/23 25/04/23 22/07/23 - - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 14.5% 18.3% 23.4% 16.4% 15.4% 13.4% 14% 15.4%
ROA (Net income/ Total Assets) 1.48% 1.81% 2.5% 1.87% 1.79% 1.6% 1.56% 1.63%
Assets 1 2,57,978 3,72,809 4,68,274 6,04,189 7,97,724 9,83,731 13,54,389 17,42,629
Book Value Per Share 2 51.10 72.40 100.0 119.0 165.0 186.0 231.0 265.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 22/04/19 02/05/20 29/04/21 26/04/22 25/04/23 24/04/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
B
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