ScoreWhy is AU Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.62%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 30.43% and Net profit at 21.08%
- The Bank has a high Capital Adequacy Ratio of 21.50% signifying high buffers against its risk based assets
2
High Institutional Holdings at 66.4%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
3
Market Beating Performance
- The stock has generated a return of 63.41% in the last 1 year, much higher than market (BSE500) returns of 1.78%
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
63.78%
2.03
31.39%
Sensex
4.89%
0.41
11.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
30.43%
Net Profit Growth (5y)
21.08%
Advance to Deposit
87.80%
Capital Adequacy Ratio (Tier 1)
21.50%
Gross NPA (latest)
2.41%
Gross NPA (avg)
2.27%
Coverage Ratio (avg)
63.16%
Cost to Income (avg)
57.86%
Net Interest Margin (avg)
6.68%
Operating Profit to Assets (avg)
8.71%
ROA (avg)
1.62%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
33
Price to Book Value
3.97
PEG Ratio
2.21
Dividend Yield
0.10%
ROE (Latest)
11.98%
ROA (Latest)
1.31%
Net NPA to Book Value
5.60
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 4,511.28 cr
NII(Q)
Highest at Rs 2,144.41 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 87.32%
-6What is not working for the Company
PBT LESS OI(Q)
At Rs 16.31 cr has Fallen at -86.50%
NON-OPERATING INCOME(Q)
is 97.76 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for AU Small Finance
Interest Earned - Quarterly
Highest at Rs 4,511.28 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 2,144.41 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Credit Deposit Ratio - Half Yearly
Highest at 87.32%
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
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 16.31 cr has Fallen at -86.50%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 97.76 % 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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
