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AU SMALL FINANCE BANK
Intrinsic Value | Fundamental Analysis

BOM : 540611     NSE : AUBANK    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : Low
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Neutral
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
May 18,2024
Price(EOD): ₹ 623.85
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 46,333.34 Cr
Value of ₹ 1 Lac invested in AU SMALL FINANCE BANK
on May 20,2019 (price: ₹ 346.88)

₹ 1 L

₹ 1.80 L

1W : -2.3% 1M : 0.4% 1Y : -14.3%
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Industry Peers & Returns1W1M1Y
AU SMALL FINANCE BANK -2.3% 0.4% -14.3%
HDFC BANK 0.3% -2% -11%
ICICI BANK 0.8% 7.1% 19.4%
KOTAK MAHINDRA BANK 3.1% -5% -12.7%
AXIS BANK 1.9% 11.6% 24.4%
INDUSIND BANK -0.2% -3.8% 15.7%
IDBI BANK 2.5% 1.4% 58.1%
YES BANK 3.7% -2.2% 44.6%
IDFC FIRST BANK -0.1% -6.3% 14.6%

FUNDAMENTAL ANALYSIS OF AU SMALL FINANCE BANK

 
Fundamentals Score
[ Q(TTM): Mar2024, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 AUBANK is one of the top 35% companies with good fundamentals ! Discover More →

VALUATION OF AU SMALL FINANCE BANK

 
Valuation Score
[As on : May 18,2024 ]

Ratio Standalone
P/E
P/B
P/S
30.19
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 1,534.72 Cr
[Latest Qtr - Mar2024 - Standalone Results ]

3.69
P/B Calculated based on Book Value of Rs 12,559.50 Cr
[Latest Year - Mar2024 - Standalone Results ]

4.39
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Mar2024 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF AU SMALL FINANCE BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
4235%
44%
81%

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SHARE PRICE MOMENTUM OF AU SMALL FINANCE BANK



AU SMALL FINANCE BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Standalone
2023
2022
2021
Avg_3yrs
0.42
0.5
2.2
1.04

PLEDGED PROMOTER SHARES OF AU SMALL FINANCE BANK

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF AU SMALL FINANCE BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
3.42%
1.08%
-8.69%
-1.2%
24.38%
16.33%
-14.19%
-12.69%
QtrlyTrend
0
Latest Qtr: Mar2024
Quarterly Result Analysis →


AU SMALL FINANCE BANK related INDICES

BSE Indices1W1M1Y
S&P BSE MIDSMALLCAP 5.2% 6.2% 62.2%
S&P BSE 400 MIDSMALLCAP 5.1% 6% 57.9%
S&P BSE 150 MIDCAP 4.8% 6.7% 57.6%
S&P BSE MID CAP 4.5% 6.8% 63.5%
S&P BSE MIDCAP SELECT INDEX 4% 8.1% 58.2%
NSE Indices1W1M1Y
NIFTY MID SMALL400 5% 5.6% 60.2%
NIFTY MIDCAP150 QUALITY 50 4.9% 8.7% 37.8%
NIFTY MIDCAP150 4.5% 6% 57.8%
NIFTY FREE MIDCAP 100 4.3% 5.4% 58.6%
NIFTY500 MULTICAP 50:25:25 3.8% 4.2% 44.5%

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FAQ about AU SMALL FINANCE BANK


Is AU SMALL FINANCE BANK good for long term investment?

As on May 18,2024, the Fundamentals of AU SMALL FINANCE BANK look Strong and hence it may be good for long term investment! See Financial Performance of AU SMALL FINANCE BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is AU SMALL FINANCE BANK UnderValued or OverValued?

As on May 18,2024, AU SMALL FINANCE BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of AU SMALL FINANCE BANK ?

As on May 18,2024, the Intrinsic Value of AU SMALL FINANCE BANK is Rs. 343.87 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 14.39
Fair Value [Median EV / Sales Model] : Rs. 434.40
Fair Value [Median Price / Sales Model] : Rs. 343.87
Estimated Median Fair Value of AU SMALL FINANCE BANK : Rs. 343.87

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is AU SMALL FINANCE BANK trading at a Premium or Discount?

As on May 18,2024, AU SMALL FINANCE BANK is trading at a Premium of 81% based on the estimates of Median Intrinsic Value!