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AU Small Finance Bank Ltd.
BSE Code 540611
ISIN Demat INE949L01017
Book Value (Rs) 170.09
NSE Code AUBANK
Dividend Yield % 0.16
Market Cap(Rs Mn) 470892.25
TTM PE(x) 30.68
TTM EPS(Rs) 20.66
Face Value (Rs) 10  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)21.42  35.88  37.50  22.19  13.06  
   DPS(Rs)1.00  1.00  0.00  0.00  0.75  
   Book NAV/Share(Rs)163.98  237.30  197.69  142.20  100.73  
Margin Ratios          
   Yield on Advances14.05  12.85  14.30  15.88  12.92  
   Yield on Investments5.71  6.03  15.05  7.37  4.97  
   Cost of Liabilities5.00  4.59  6.01  6.51  5.73  
   NIM5.03  4.80  4.71  4.65  4.23  
   Interest Spread9.05  8.26  8.29  9.37  7.19  
Performance Ratios          
   ROA(%)1.79  1.87  2.50  1.81  1.48  
   ROE(%)15.52  16.56  22.31  18.56  14.66  
   ROCE(%)14.98  14.01  15.60  12.73  11.87  
Efficiency Ratios          
   Cost Income Ratio63.01  57.07  43.80  54.22  59.99  
   Core Cost Income Ratio62.50  59.07  56.56  58.05  60.74  
   Operating Costs to Assets3.81  3.49  3.21  3.36  3.32  
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)27.03  17.36  16.35  11.47  22.72  
   PCE(x)23.92  30.89  30.03  20.27  39.11  
   Price/Book(x)3.53  5.25  6.20  3.58  5.89  
   Yield(%)0.17  0.08  0.00  0.00  0.13  
   EV/Net Sales(x)5.47  7.64  9.15  6.02  8.80  
   EV/Core EBITDA(x)22.23  24.92  21.30  21.56  35.96  
   EV/EBIT(x)7.95  10.92  11.21  7.84  11.87  
   EV/CE(x)0.50  0.65  0.88  0.61  0.80  
   M Cap / Sales4.70  6.63  7.73  3.61  5.88  
Growth Ratio          
   Core Operating Income Growth36.83  36.72  23.91  42.18  42.76  
   Operating Profit Growth-55.28  -9.54  23.03  -42.53  -167.72  
   Net Profit Growth26.38  -3.49  73.49  76.73  30.74  
   BVPS Growth-30.90  20.04  39.02  41.17  27.13  
   Advances Growth26.74  33.19  28.22  18.29  71.41  
   EPS Growth(%)-40.31  -4.31  68.99  69.90  27.76  
Liquidity Ratios          
   Loans/Deposits(x)0.09  0.11  0.20  0.40  0.44  
   Cash / Deposits(x)0.13  0.11  0.04  0.04  0.04  
   Investment / Deposits(x)0.29  0.29  0.30  0.41  0.37  
   IncLoan / Deposits(x)9.08  11.39  19.54  39.50  44.35  
   Credit/Deposits(%)84.22  87.66  96.19  103.17  117.49  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.42  0.50  2.20  0.81  1.29