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Fundamental Analysis of Au Small Finance Bank (AUBANK)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share238.62
EV/EBITDA4.97
Market Cap (Cr)40836.05
Enterprise Value (Cr)40898.32
Piotroski F-Score3.00
Altman Z Score0.743
Graham No451.92
Price/ Graham 1.43
Peter Lynch Ratio-0.254
Sloan Ratio0.226
Peter Lynch Fair value221.13
Price/ Peter Lynch FV2.93
TSR Fair value4.12
Key Financial ratios of AUBANK
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    17.37 6.08 % 17.03    
Price to Book    2.61 -14.50 % 2.92 3.01    
Price to Sales    4.64 -6.65 % 4.60    
Earning Per Share    35.88 -4.32 % 38.04 4.25    
Return On Equity    15.04 -19.40 % 17.13 3.56    
Return On Asset    1.64 -27.92 % 2.02 0.388    
Net Profit Margin    26.72 -12.85 % 27.01 23.60    
Operating Profit Margin    0 0 % 23.08 0    
EBITDA Margin    93.61 -13.83 % 115.86 105.70    
Debt to Equity Ratio    0.797 -28.83 % 0.797    
Current Ratio    0.118 -9.46 % 0.118    
Quick Ratio    0 0 % 0.118    
View Historitcal ratios of Au Small Finance Bank Ltd.
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Tsr Stability Index - Good Score of 72.50
Debt to equity ratio has decreased and is lowest in last five years
Tremendous increasing trend in total sale last 3 year
Excellent Net Margin in for last 3 years
Tremendous increasing in Book Value last 3 year
During the past twelve months, the company has given a strong Net Margin of 27.01%
Steady View
Decreasing debt with Increasing revenue
Steady increase in Total Assets for last 3 Years
Steady ROE in range of 15 to 20 for last 3 years
Good Return on Equity of 17.13% is achieved by the company
Risky View
Tsr Value Index - Poor Score of 30.56
Tsr Growth Index - Poor Score of 24.94
Tsr Profitability Index - Poor Score of 34.38
Altman Z Score of 0.743 suggest high risk
Very Expensive - Price to Intrinsic Value of 157.23
Very Low Dividend Yield of 0.080 %
Low Earning Yield of 5.54 %
In the last three years, the company has given poor Returns on Assets
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned28.20 %
Institution Owned53.50 %
Public/Others18.30 %
Outstanding Shares63.02 Cr
Floating Shares42.29 Cr
Floating / Outstanding67.10%
Book Value/Share238.62
Face value10.00
Share Holding
Annual Key Income Statement of AUBANK
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 1129.83 1170.68 3.49 %
Net Income 1129.83 1170.68 3.49 %
Operating Income 0 0 %
Total Revenue 4227.82 3817.92 10.74 %
Operating Expense 0 1658.43 100.00 %
Interest Expense 2687.61 2584.61 3.99 %
Tax Expense 324.24 287.82 12.65 %
Income Before tax 1454.07 1170.68 24.21 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Quarterly Key Income Statement of AUBANK
Period 30_Jun_2022 31_Mar_2022 Growth
Net Income From Continuing Ops 267.87 346.07 22.60 %
Net Income 267.87 346.07 22.60 %
Operating Income 0 170.96 100.00 %
Total Revenue 1135.15 1247.94 9.04 %
Operating Expense 741.08 765.60 3.20 %
Interest Expense 844.20 730.47 15.57 %
Tax Expense 87.83 43.04 104.07 %
Income Before tax 355.70 389.11 8.59 %
Gross Profit 0 0 %
Dividend Paid 0 0 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 314.90 312.21 0.862 %
Current Liabilities 55512.01 40857.05 35.87 %
Total Liabilities 61563.79 45316.09 35.85 %
Current Assets 6573.19 5343.19 23.02 %
Total Assets 69077.80 51591.31 33.89 %
Working capital -48938.82 -35513.86 37.80 %
Accounts Payable 52584.62 333.88 15649.56 %
Inventory 0 0 %
Net Receivable 0 510.91 100.00 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 40.33 41.24 2.21 %
Cash From Investment Activity -4753.37 -989.74 380.26 %
Cash From Financial Activity 15656.87 -2654.70 689.78 %
Cash Operational Activity -9756.32 5056.10 292.96 %
Net Cash Flow 1147.18 1411.66 18.74 %
NetIncome 1129.83 1170.68 3.49 %
Capital Expenditure 282.49 141.23 100.02 %
Change To Inventory 0 0 %
   



   About AU Small Finance Bank Limited
AU Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, Wholesale Banking, and Other Banking Operations segments. It provides saving, current, salary, senior citizen and NRI, fixed, recurring, and COVID shield deposit accounts, as well as debit and credit cards and locker services. The company also offers car, two-wheeler, commercial vehicle, personal, tractor, home, gold, construction equipment, business, agriculture, and working capital loans. In addition, it provides life, health, general, and motor insurance; mutual funds and national pension system; overdraft, cash credit, bank guarantee, and letters of credit; and internet and mobile banking, collection and receivables, and payment and other merchant payment services. Further, the company provides government banking services to central government, state governments, central and state public sector undertakings, boards, defence, urban local bodies, and other government departments. As of March 31, 2022, it operated 692 bank branches, 210 correspondents banking outlets, 17 business correspondents, and 514 ATMs. The company was formerly known as AU Financiers (India) Limited and changed its name to AU Small Finance Bank Limited in May 2017. The company was incorporated in 1996 and is headquartered in Jaipur, India.

Address : Bank House, Jaipur, India, 302001

URL : https://www.aubank.in

Employee Count : 29883

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