ScoreWhy is AU Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 21.50%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 25.95%
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
With a growth in Interest of 17.53%, the company declared Very Positive results in Mar 26
- PAT(9M) At Rs 2,060.40 cr has Grown at 28.51%
- INTEREST EARNED(Q) Highest at Rs 5,019.15 cr
- PBT LESS OI(Q) Highest at Rs 351.13 cr.
3
High Institutional Holdings at 68.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.86% over the previous quarter.
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 3 across all Mid Cap and 30 across the entire market
5
Market Beating Performance
- Even though the market (BSE500) has generated negative returns of -0.11% in the last 1 year, the stock has been able to generate 28.90% returns
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to AU Small Finance should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is AU Small Finance for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
AU Small Finance
29.0%
1.01
28.50%
Sensex
-6.84%
-0.50
13.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
25.95%
Net Profit Growth (5y)
17.67%
Advance to Deposit
85.99%
Capital Adequacy Ratio (Tier 1)
21.50%
Gross NPA (latest)
2.03%
Gross NPA (avg)
1.92%
Coverage Ratio (avg)
69.95%
Cost to Income (avg)
59.70%
Net Interest Margin (avg)
6.46%
Operating Profit to Assets (avg)
8.20%
ROA (avg)
1.48%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
30
Price to Book Value
3.97
PEG Ratio
1.20
Dividend Yield
0.10%
ROE (Latest)
13.39%
ROA (Latest)
1.38%
Net NPA to Book Value
5.02
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
PAT(9M)
At Rs 2,060.40 cr has Grown at 28.51%
INTEREST EARNED(Q)
Highest at Rs 5,019.15 cr
PBT LESS OI(Q)
Highest at Rs 351.13 cr.
GROSS NPA(Q)
Lowest at 2.03%
NII(Q)
Highest at Rs 2,582.33 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 87.96%
PBDIT(Q)
Highest at Rs 620.57 cr.
EPS(Q)
Highest at Rs 11.12
NET NPA(Q)
Lowest at 0.74%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 67.55 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for AU Small Finance
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 351.13 cr has Grown at 439.19%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 5,019.15 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 351.13 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 831.87 cr has Grown at 65.2%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.03%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,582.33 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 620.57 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 831.87 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 11.12
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.74%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 87.96%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for AU Small Finance
Non Operating Income - Quarterly
is 67.55 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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