Price Summary

FinStar

Ownership Very Stable

High level of belief in company’s potential exhibited by insiders.

ValuationExpensive

The stock is at a premium valuation at this point.

EfficiencyExcellent

The company knows very well the utilization of its assets.

FinancialsVery Stable

The company possesses stable growth history and sound margins.

Company Essentials

Market Cap

38269.13 Cr.

Book Value (TTM)

₹  203.72

Net Interest Income

2365.44 Cr.

Your Added Ratios

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 Group Companies

Ratios

ROE%

1 Year22.31%

3 Year18.51%

5 Year22.15%

ROA%

1 Year2.5%

3 Year1.93%

5 Year3.25%

Net NPA%

1 Year2.2%

3 Year1.43%

5 Year1.36%

 NIM

1 Year4.71%

3 Year4.53%

5 Year5.44%

Cost of Liabilities %

6.00946105481029

Advances Growth %

28.2171813345759

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 28.41 0
Mar 2021 28.47 0
Dec 2020 28.98 0
Sep 2020 29 0
Jun 2020 29.01 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 1184.12 1212.45 1261.11 1292.37 1353.49
Other Income 225.8 285.69 663.41 276.65 184.19
Interest Expended 668.26 651.82 627.99 636.54 629.48
Operating Expenses 296.06 380.02 423.69 558.66 456.95
Total Provisions 181.25 57.4 283.62 177.78 176.59
Profit Before Tax 264.34 408.91 589.23 196.03 274.66
Tax 63.53 87.03 110.21 27.06 71.46
Net Profit 200.81 321.88 479.02 168.98 203.2
Net NPA % 0.62 0.45 0.24 2.18 2.26
Gross NPA % 1.69 1.54 0.99 4.25 4.31
Return on Assets % 0.46 0.73 1.06 0.34 0.39
NPM % 16.96 26.55 37.98 13.08 15.01

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 1280 1767.19 2949.13 4285.88 4950.05
Other Income 809.96 388.06 461.91 706.09 1451.55
Interest Expended 496.31 826.73 1606.53 2376.94 2584.61
Operating Expenses 352.83 752.61 1082.61 1417.86 1658.43
Total Provisions 97.47 132.56 141.78 283.2 700.06
Profit Before Tax 1143.35 443.35 580.13 913.97 1458.5
Taxes 321.37 151.31 198.32 239.19 287.82
Net Profit 821.98 292.04 381.81 674.78 1170.68
Adjusted EPS (Rs.) 28.92 10.22 13.06 22.19 37.5

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 284.25 285.7 292.36 304.12 312.21
Total Reserves 1697.19 1977.98 2652.59 4020.56 5859.89
Deposits 0 7923.32 19422.44 26163.93 35979.31
Borrowings 7119.89 7638.86 8613.36 10335.32 7029.7
Other Liabilities 673.75 989.41 1424.11 1267.01 2307.08
Total Liabilities 9781.22 18832.77 32622.8 42143.07 51591.31
Assets
Balance with RBI 13.43 492.12 811.14 1049.64 1569.35
Balance with Banks 611.53 1269.1 929.05 2320.04 3211.99
Investments 2150.31 3050.59 7161.67 10668.22 10815.41
Advances 6550.94 13312.13 22818.73 26992.42 34608.91
Net Block 35.98 380.38 439.68 438.26 477.37
Other Assets 179.17 322.74 455.17 664.76 903.27
Total Assets 9781.22 18832.77 32622.8 42143.07 51591.31

Corporate Actions

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 27.5 24.86 19.32 18.94 18.32
ourea holdings limited 1.55 1.55 0 0 0
redwood investment ltd 6.84 4.58 0 0 0
uttam tibrewal 1.77 1.76 1.76 1.57 1.75
motilal oswal financial s... 1.08 1.07 1.07 1.09 1.05
camas investments pte. lt... 3.3 3.3 3.29 3.24 3.23
motilal oswal financial s... 0 0 0 0 0
redwood investment ltd. 0 0 0 0 0
vistra itcl i ltd busines... 0 1.02 1.02 0 0
non resident indians (rep... 0 0 0 0.28 0
llp 0 0 0 0 0.43
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 43.49 46.14 51.7 52.59 53.28
amansa holdings private l... 1.66 1.66 1.66 1.55 1.47
sbi life insurance co. lt... 0 0 0 1.21 1.23
camas investments pte. lt... 1.41 1.41 1.41 1.39 1.38
motilal oswal multicap 35... 2.55 2.43 2.51 2.19 0
kotak standard multicap f... 3.85 3.76 3.75 0 0
nomura india investment f... 2.83 2.74 2.78 2.87 2.78
steadview capital maurit... 1.64 1.64 1.58 0 0
uti - equity fund 1.53 1.5 1.57 0 0
hdfc life insurance compa... 1.67 1.75 1.84 2.22 2.24
kotak funds - india midca... 1.07 1.05 1.04 0 0
sbi magnum multicap fund 0 0 0 0 0
smallcap world fund, inc 2.95 2.35 2.6 3.45 3.49
new world fund inc 1.02 1.08 1.08 1.06 1.28
reliance capital trustee ... 0 1.15 0 0 0
westbridge aif i 0 1.95 3.89 3.76 3.76
nippon life india trustee... 0 0 1.12 1.1 1.55
government of singapore 0 0 0 1.2 0
kotak flexicap fund 0 0 0 4.07 4.45
uti flexi cap fund 0 0 0 1.76 1.65
motilal oswal flexi cap f... 0 0 0 0 2.21

AU Small Fin. Bank Stock Price Analysis and Quick Research Report. Is AU Small Fin. Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how AU Small Fin. Bank is performing and if it is the right time to buy the stock of AU Small Fin. Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. AU Small Fin. Bank has earned Rs 4950.0515 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 40.9637164144083 % in last 3 Years.

  • In terms of advances, the bank reported 28.2171813345759 % YOY,  rise . If you see 3 years advance growth, it stands at 37.5034095437897 %.

  • Currently the company has a CASA ratio of 23.0005520783384 %. It’s overall cost of liability stands at 6.00946105481029 %. Also, the total deposits from these accounts stood at Rs 35979.3142 Cr.

  • The Bank has a healthy ROA track record. The ROA of AU Small Fin. Bank is at 2.49787674216673 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 4.3 % and 2.2 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 147.196444341494 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of AU Small Fin. Bank surged and is currently at Rs 1451.5466 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently AU Small Fin. Bank is trading at a P/B of 6.3525 . The historical average PB was 4.6940995765501.

Brief about AU Small Fin. Bank

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Exel- Frazzitta street no. 61, 44925 Kingston, Norfolk Island

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Jovanny Boeding
+23 274 947 142
Mon - Fri, 10:00-21:00

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