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AU Small Finance Bank Ltd.
BSE Code 540611
ISIN Demat INE949L01017
Book Value (Rs) 230.53
NSE Code AUBANK
Dividend Yield % 0.15
Market Cap(Rs Mn) 504548.61
TTM PE(x) 23.96
TTM EPS(Rs) 28.28
Face Value (Rs) 10  
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)22.93  21.42  35.88  37.50  22.19  
   DPS(Rs)1.00  1.00  1.00  0.00  0.00  
   Book NAV/Share(Rs)186.75  163.98  237.30  197.69  142.20  
Margin Ratios          
   Yield on Advances14.43  14.05  12.85  14.30  15.88  
   Yield on Investments6.21  5.71  6.03  15.05  7.37  
   Cost of Liabilities5.83  5.00  4.59  6.01  6.51  
   NIM4.83  5.03  4.80  4.71  4.65  
   Interest Spread8.60  9.05  8.26  8.29  9.37  
Performance Ratios          
   ROA(%)1.54  1.79  1.87  2.50  1.81  
   ROE(%)13.10  15.52  16.56  22.31  18.56  
   ROCE(%)13.96  14.98  14.01  15.60  12.73  
Efficiency Ratios          
   Cost Income Ratio64.68  63.01  57.07  43.80  54.22  
   Core Cost Income Ratio65.17  62.50  59.07  56.56  58.05  
   Operating Costs to Assets4.08  3.81  3.49  3.21  3.36  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)24.66  27.03  17.36  16.35  11.47  
   PCE(x)21.50  23.92  30.89  30.03  20.27  
   Price/Book(x)3.03  3.53  5.25  6.20  3.58  
   Yield(%)0.18  0.17  0.08  0.00  0.00  
   EV/Net Sales(x)4.10  5.47  7.64  9.15  6.02  
   EV/Core EBITDA(x)17.77  22.23  24.92  21.30  21.56  
   EV/EBIT(x)5.86  7.95  10.92  11.21  7.84  
   EV/CE(x)2.40  2.60  3.35  3.41  1.75  
   M Cap / Sales3.59  4.70  6.63  7.73  3.61  
Growth Ratio          
   Core Operating Income Growth16.54  36.83  36.72  23.91  42.18  
   Operating Profit Growth-77.41  -55.28  -9.54  23.03  -42.53  
   Net Profit Growth7.48  26.38  -3.49  73.49  76.73  
   BVPS Growth13.89  -30.90  20.04  39.02  41.17  
   Advances Growth25.23  26.74  33.19  28.22  18.29  
   EPS Growth(%)7.09  -40.31  -4.31  68.99  69.90  
Liquidity Ratios          
   Loans/Deposits(x)0.06  0.09  0.11  0.20  0.40  
   Cash / Deposits(x)0.05  0.13  0.11  0.04  0.04  
   Investment / Deposits(x)0.31  0.29  0.29  0.30  0.41  
   IncLoan / Deposits(x)6.28  9.08  11.39  19.54  39.50  
   Credit/Deposits(%)83.92  84.22  87.66  96.19  103.17  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.55  0.42  0.50  2.20  0.81