Stock AUBANK AU SMALL FINANCE BANK LIMITED
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Financials AU Small Finance Bank Limited Bombay S.E.

Equities

AUBANK

INE949L01017

Banks

Market Closed - Bombay S.E.
Other stock markets
 06:18:50 2024-04-29 am EDT 		5-day change 1st Jan Change
638.9 INR +6.52% Intraday chart for AU Small Finance Bank Limited +5.13% -18.82%
Apr. 26 Nomura Adjusts AU Small Finance Bank’s Price Target to INR625 From INR600, Keeps at Neutral MT
Apr. 24 Transcript : AU Small Finance Bank Limited, Q4 2024 Earnings Call, Apr 24, 2024

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 174,128 153,689 383,351 392,444 386,179 445,491 - -
Enterprise Value (EV) 1 174,128 153,689 383,351 392,444 386,179 378,077 445,491 445,491
P/E ratio 46.2 x 22.6 x 32.4 x 34.9 x 26.6 x 24.7 x 21 x 15.8 x
Yield 0.13% - - 0.08% 0.17% 0.3% 0.35% 0.39%
Capitalization / Revenue 9.65 x 5.88 x 10 x 9.28 x 7.07 x 5.48 x 4.45 x 3.57 x
EV / Revenue 9.65 x 5.88 x 10 x 9.28 x 7.07 x 5.48 x 4.45 x 3.57 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 3.23 x 2.61 x 2.27 x
Nbr of stocks (in thousands) 584,715 608,247 624,427 629,800 666,745 742,732 - -
Reference price 2 297.8 252.7 613.9 623.1 579.2 599.8 599.8 599.8
Announcement Date 4/22/19 5/2/20 4/29/21 4/26/22 4/25/23 4/24/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: Maart 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 18,045 26,150 38,170 42,278 54,597 69,031 100,195 124,919
EBITDA - - - - - - - -
EBIT 1 7,219 11,972 21,586 18,150 20,195 25,150 37,643 49,609
Operating Margin 40.01% 45.78% 56.55% 42.93% 36.99% 36.43% 37.57% 39.71%
Earnings before Tax (EBT) 1 5,801 9,140 14,585 14,541 18,646 19,994 27,584 36,701
Net income 1 3,818 6,748 11,707 11,298 14,279 15,347 20,692 27,833
Net margin 21.16% 25.8% 30.67% 26.72% 26.15% 22.23% 20.65% 22.28%
EPS 2 6.450 11.16 18.93 17.84 21.74 22.86 28.50 37.91
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 4/22/19 5/2/20 4/29/21 4/26/22 4/25/23 4/24/24 - -
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 1/28/21 4/29/21 8/6/21 10/28/21 1/28/22 4/26/22 7/20/22 10/19/22 1/19/23 4/25/23 7/22/23 - - - - -
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% 15.3%
ROA (Net income/ Total Assets) 1.48% 1.81% 2.5% 1.87% 1.79% 1.6% 1.55% 1.62%
Assets 1 257,978 372,809 468,274 604,189 797,724 983,731 1,333,132 1,722,208
Book Value Per Share 2 51.10 72.40 100.0 119.0 165.0 186.0 230.0 264.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/22/19 5/2/20 4/29/21 4/26/22 4/25/23 4/24/24 - -
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

Ratings for AU Small Finance Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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