BSE: AUBANK - AU Small Finance Bank Limited

Yield per half year: -9.12%
Sector: Financials

Reporting AU Small Finance Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ₹										493.22
Выручка, млрд ₹		9.17	13.29	18.06	26.16	38.17	42.28	54.6	69.04	69.04
Чистая прибыль, млрд ₹	2.47	3.2	4.43	3.82	6.75	11.71	11.3	14.28	15.35	15.35
EV, млрд ₹				157.14	187.91	296.26	326.47
Баланс стоимость, млрд ₹	10.67	19.88	22.81	31.63	43.77	62.75	75.14	109.77	125.6	125.6
FCF, млрд ₹			23.4	7.22	5.67	49.15	65.66	51.88	22.62	22.62
Операционный денежный поток, млрд ₹	-17.19	8.84	-54.19	-106.51	-60.82	-47.59	-97.56	54.94	26.08	26.08
CAPEX, млрд ₹	0.1574	1.77	1.65	1.26	0.922	1.41	2.82	3.06	3.46	3.46

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹						12.48	11.35	13.31	14.48	15.46	15.61	16.74	17.75	18.94	24.66
Чистая прибыль, млрд ₹						3.46	2.68	3.43	3.93	4.25	3.87	4.02	3.75	3.71	5.03
EV, млрд ₹				207.21	378.45	405.36		424.54
Баланс стоимость, млрд ₹	35.16	43.77	49.16	62.75	67.81	75.14		101.14		109.77		117.63		125.6
Операционный денежный поток, млрд ₹	1.91	6.6	20.21	50.56	37.08	68.49		-21.19		54.94		-2.79
CAPEX, млрд ₹	0.3075	0.922	0.5578	1.41	0.8785	2.82		1.45		3.06		1.23

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ₹		6.43	17.83	17.65	33.98	48.18	59.77	94.25	64.41	64.41
Long term investments ₹		21.5	30.51	71.62	106.68	108.15	153.07	200.72	271.33
Total Receivables ₹		0.3699
Total Current Assets ₹		11.62	19.33	20.45	38.49	53.43	65.73	101.99
Чистые активы, млрд ₹	0.2847	1.94	3.86	4.47	4.48	4.82	6.23	7.4		7.4
Активы, млрд ₹	79.33	98.12	188.33	326.23	421.43	515.91	690.78	902.16	1 094.26	1 094.26
Long Term Debt ₹	40.06	49.33	76.39	86.13	103.35	70.3	59.91	62.99		62.99
Задолженность, млрд ₹	68.66	78.24	165.52	294.6	377.66	453.16	615.64	792.39	968.66	968.66
Чистый долг, млрд ₹			59.1	66.11	66.56	23.09	0.1428
Долг, млрд ₹				86.13	103.35	70.3				62.99
Interest income ₹		14.17	17.67	29.49	42.86	49.5	59.22	82.05	105.55
Расходы на обслуживание долга ₹				16.06	23.77	25.85	26.88	37.8	53.98	53.98
Чист. проц. доходы, млрд ₹	7.14	8.98	9.4	13.43	19.09	23.65	32.34	44.25	51.57	105.55
Goodwill ₹	0.0053

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹	15.26	33.98	43.26	48.18	41.91		59.77		39.49		94.25		62.57		64.41
Long term investments ₹	84.34	106.68	112.41	108.15	116.79		153.07		202.2		200.72		232.2
Total Current Assets ₹	15.26	38.49							39.49		101.99
Чистые активы, млрд ₹	4.42	4.48	4.52	4.82	5.08		6.23		6.81		7.4		7.57
Активы, млрд ₹	358.26	421.43	440.14	515.91	532.36		690.78		778.78		902.16		959.77		1 094.26
Long Term Debt ₹	85.83	103.35	101.23	70.3	49.68		59.91		66.95		62.99		53.44
Задолженность, млрд ₹	323.1	377.66	390.98	453.16	464.55		615.64		677.64		792.39		842.15		968.66
Чистый долг, млрд ₹			57.97	23.09	7.76		0.1428		27.47
Долг, млрд ₹				70.3	49.68
Interest income ₹					14.05	14.96	16.67	18.2	19.92	21.18	22.75	24.58	25.31	27.36
Расходы на обслуживание долга ₹							7.3	8.44	9.09	9.65	10.62	12.12	12.82	14.11	14.92	18.48
Чист. проц. доходы, млрд ₹							9.37	9.76	10.83	11.53	12.13	12.46	12.49	13.25	28.29	37.69

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	4.93	10.15	11.27	34.52	25.46	21.42	22.93			22.93
Цена акции ао	667.5	620.85	805.75	852.2	1036.3	652.95	787	558.1	576.7	576.7
Число акций ао, млн		292.36	304.12	624.43	629.8	666.75	669.16			669.16
FCF/акцию		24.7	18.66	78.71	104.26	77.81	33.8			33.8

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
EPS		4.77	5.46	4.22	5.24	5.87	6.37	5.77	6.01	5.58	5.54
Цена акции ао	1195.64	1161.91	1237.3	1143.81	619.24	629.7	613.68	713.41	736.89	722.37

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	23.12	16.08	19.44	12.07	15.42	18.66	15.04	15.44	13.04			12.22	13.93
ROA, %	3.11	3.26	2.35	1.17	1.6	2.27	1.64	1.79	1.54			1.4	2.83
ROS, %			33.36	21.14	25.79	30.67	26.72	26.15	22.23	22.23	22.23	22.23	58.24
Рентаб EBITDA, %												35.15	42.18
Чистая рентаб, %		34.85	33.36	21.14	25.79	30.67	26.72	26.15	22.23			22.23	58.24
Operation Margin, %									0	0	0	0	13.60

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	4.89	2.79	6.55	2.69	7.1	4.61		3.39		5.94		4.7		3.83		13.93
ROA, %	0.4799	0.2903	0.7313	0.3275	0.9049	0.501		0.4399		0.9414		0.4316		0.361		2.83
ROS, %						27.73	23.6	25.75	27.14	27.46	24.78	24	21.15	19.57	20.38	58.24
Чистая рентаб, %						27.73	23.6	25.75	27.14	27.46	24.78	24	21.15	19.57	20.38	58.24

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	23.84	17.98	23.33	28.88	30.49	33.37			33.37	29.15
P/BV	2.88	2.77	4.35	4.34	3.97	4.08			4.08	3.06
P/S	5.04	4.64	7.16	7.72	7.97	7.42			7.42	11.92
P/FCF						9.51	21.81	21.81	21.81	5.66
E/P						0.029	0.0311	0.0311	0.0311	0.10
EV/Ebit							0	0	0
EV/S		7.18	7.76	7.72		0	0	0	0	8.32
EV/FCF		33.12	6.03	4.97			0	0	0	-6.34
Debt/EBITDA						0	0	0	0	0.97
Netdebt/Ebitda						0	0	0	0	0.86
Debt/Ratio		0.2452	0.1363			0.0698	0.0576	0.0576	0.0576	0.24
Debt/Equity		2.36	1.12			8.51	8.51	8.51	8.51	239.17
Debt/Net Income		15.32	6			4.41	4.1	4.1	4.1	12.26
Бета						0.4919	3.58	2.1	2.1	1.09
Индекс Альтмана						0.7387	0.6236	0.6236	0.6236	1.10

	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	Industry average	5 quarters average	CAGR 5
P/E	108.96	45.17	34.59	56.05	50.27	40.7	31.49	29.15
P/BV	2.93	5.47	5.39	3.93	3.52	4.05	3.01	3.06
P/S	19.75	13.17	9.94	14.99	13.4	10.45	7.37	11.92

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1748	0.1748	0.1748	0.2644		0.3151	0.667	0.667		0.6302
Дивиденд			0.25	0.375			0.5	1	1	1
Див доход, ао, %			0.0389	0.0563	0.1037		0.0792	0.207	0.3053	0.3053	1.39
Дивиденды / прибыль, %	5.47	3.94	4.58	3.92		2.79	2.21	4.35		4.35	17.66

	2018Q3	2019Q3	2020Q1	2022Q3	2023Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		0.2644	0.2644	0.3151	0.3151	0.667
Дивиденд	0.25	0.375		0.5		1
Див доход, ао, %	0.0375	0.0561		0.0807		0.1357	1.39
Дивиденды / прибыль, %		15.38	21.61	9.2	7.42	16.6	17.66

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	28320	28320

	CAGR 5

	CAGR 5