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AU Small Finance Bank Ltd P/E Ratio

AU Small Finance Bank Ltd P/E Ratio

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Last Updated time: 25 Jul 9.00 AM

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AU Small Finance Bank Ltd

NSE: AUBANK

PE

31.9

Last updated : 25 Jul 9.00 AM

Key Highlights

    The P/E Ratio of AU Small Finance Bank Ltd is 31.9 as of 25 Jul 9.00 AM .a1#The P/E Ratio of AU Small Finance Bank Ltd changed from 45.4 on March 2019 to 24.7 on March 2024 . This represents a CAGR of -9.65% over 6 years. a1#The Latest Trading Price of AU Small Finance Bank Ltd is ₹ 659.85 as of 24 Jul 15:30 .a1#The PE Ratio of Banks Industry has changed from 413.8 to 13.7 in 5 years. This represents a CAGR of -49.42%a1# The PE Ratio of Automobile industry is 18.9. The PE Ratio of Banks industry is 13.0. The PE Ratio of Finance industry is 23.5. The PE Ratio of IT - Software industry is 29.4. The PE Ratio of Retail industry is 143.1. The PE Ratio of Textiles industry is 20.5. In 2024a1#The Market Cap of AU Small Finance Bank Ltd changed from ₹ 17345 crore on March 2019 to ₹ 37844 crore on March 2024 . This represents a CAGR of 13.89% over 6 years. a1#The Revenue of AU Small Finance Bank Ltd changed from ₹ 1979 crore to ₹ 3385 crore over 8 quarters. This represents a CAGR of 30.78% a1#The EBITDA of AU Small Finance Bank Ltd changed from ₹ 1199 crore to ₹ 1947 crore over 8 quarters. This represents a CAGR of 27.39% a1#The Net Pr of AU Small Finance Bank Ltd changed from ₹ 267.87 crore to ₹ 370.74 crore over 8 quarters. This represents a CAGR of 17.64% a1#The Dividend Payout of AU Small Finance Bank Ltd changed from 5.74 % on March 2019 to 4.36 % on March 2024 . This represents a CAGR of -4.48% over 6 years. a1#

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Historical P/E Ratio of AU Small Finance Bank Ltd

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share. P/E Ratio Formula P/E ratio = (CMP of share/ Earning per share) Types of Price to Earning Ratio 1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance. 2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

Historical P/E Ratio of AU Small Finance Bank Ltd

Period
Mar '1945.4
Mar '2022.9
Mar '2132.7
Mar '2234.7
Mar '2327
Mar '2424.7

Company Fundamentals for AU Small Finance Bank Ltd

Market Cap

49,037 Cr

EPS

20.7

P/E Ratio (TTM) *

31.9

P/B Ratio (TTM) *

3.9

Day’s High

663.0

Day’s Low

647.4

DTE *

NaN

ROE *

12.2

52 Week High

813.0

52 Week Low

554.0

ROCE *

2.0

* All values are consolidated

Last Updated time: 25 Jul 9.00 AM

* All values are consolidated

Last Updated time: 25 Jul 9.00 AM

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AU Small Finance Bank Ltd

NSE: AUBANK

PRICE

659.85

3.55 (0.54%)

stock direction

Last updated : 24 Jul 15:30

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PRICE

The current market price or CMP refers to the price at which the securities are trading in the share market. Current price in Over-the-counter costs: The following current price depends upon the bid price & the asking price when a financial asset is sold over-the-counter(OTC). Current Price in Bond Market: The current price of a bond is determined by measuring the actual interest rate against the bid-related interest rate. The par or the face value is then calculated to represent the remaining interest payments due which occur before the maturity of the bond.

Share price Over Time

1M

1Y

3Y

5Y

* All values are in Rupees

SWOT Analysis Of AU Small Finance Bank Ltd

Strength

1

S

Weakness

2

W

Opportunity

0

O

Threats

0

T

Asset Value vs Market Value of AU Small Finance Bank Ltd

Market Value

49,037

Asset Value

792

60.9 X

Value addition

* All values are in Rupees

Competitive Comparison of P/E Ratio

Company NamePEMarket Cap (INR Cr.)
AU Small Finance Bank Ltd3149,037
HDFC Bank Ltd171,220,875
ICICI Bank Ltd19860,539
State Bank of India11760,600
Axis Bank Ltd14383,202
Kotak Mahindra Bank Ltd18347,116

Key Valuation Metric of AU Small Finance Bank Ltd

Earnings

1,534 Cr

31.9 X

PE Ratio

Market Cap

₹49037Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

Earnings

1,534 Cr

31.9 X

PE Ratio

Market Cap

₹49037Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

PE Ratio of Banks Industry over time

PE Ratio of Top Sectors

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Historical Market Cap of AU Small Finance Bank Ltd

Market Cap or market capitalisation refers to metrics that are used to measure a company's size. It is defined as the total market value of a company's outstanding shares of stock. Formula of Market Cap: Market Capital = N * P Here, N for the outstanding shares P refers to the closing price of the company's shares. Types of Companies based on Market Cap: - Small-Cap stocks: Up to 500 Crore - Mid-Cap Stocks: From Rs.500 crore up to Rs.7,000 crore - Large-Cap Stocks: From Rs.7,000 crore up to Rs.20,000 crore

Historical Market Cap of AU Small Finance Bank Ltd

Period
Mar '1917346
Mar '2015475
Mar '2138285
Mar '2239232
Mar '2338595
Mar '2437844

* All values are a in crore

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Historical Revenue of AU Small Finance Bank Ltd

Revenue term means the amount of money a company earns from its primary business activities such as the sales of its products & services. Types of Revenue: 1. Operating revenue: It refers to the income generated from the core business activities, which are sales of goods or services rendered. 2. Non-Operating revenue: It is the income generated from secondary sources unrelated to the primary business. Examples include rents, dividends, interest, and royalty fees. Formula for Revenue: The formula for calculating revenue is based on two goods & services: For goods: Revenue = Avg unit price x Number of Units sold For services: Revenue = Avg unit price x Number of Customers served.

Historical Revenue of AU Small Finance Bank Ltd

Period
Jun '221979
Sep '222240
Dec '222413
Mar '232608
Jun '232773
Sep '232957
Dec '233186
Mar '243385

* All values are a in crore

×

Historical EBITDA of AU Small Finance Bank Ltd

PBIDT stands for Profit Before Interest, Depreciation, and Taxes. It is a financial metric that measures a company's profitability before accounting for interest expenses, depreciation of assets, and taxes. Formula to calculate PBIDT: PBIDT = Net Income + Interest + Depreciation + Taxes or PBIDT = Operating Income + Depreciation + Taxes PBIDT vs EBITDA vs EBIT vs EBT: Here is a brief explanation of the differences: - PBIDT (Profit Before Interest, Depreciation, and Taxes) includes taxes in its calculation, unlike EBITDA. - EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) excludes taxes and interest, focusing on operational performance. - EBIT (Earnings Before Interest and Taxes) excludes interest and taxes, providing a measure of core operational profitability. - EBT (Earnings Before Taxes) includes all operating income but does not account for interest expenses. Conclusion: PBIDT, similar to EBITDA, is a measure of operational profitability but includes taxes in its calculation.

Historical EBITDA of AU Small Finance Bank Ltd

Period
Jun '221200
Sep '221365
Dec '221488
Mar '231592
Jun '231725
Sep '231815
Dec '231909
Mar '241947

* All values are a in crore

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Historical Net Profit of AU Small Finance Bank Ltd

Net profit is the amount of money a company retains after accounting for all expenses, depreciation, interest, taxes, and other deductions. Net Profit formula is expressed as: Net Profit = Total Revenue - Total Expense Net Profit Margin Ratio: Net Profit Margin Ratio = Net Profit / Total Revenue

Historical Net Profit of AU Small Finance Bank Ltd

Period
Jun '22268
Sep '22343
Dec '22393
Mar '23425
Jun '23387
Sep '23402
Dec '23375
Mar '24371

* All values are a in crore

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Historical Dividend Payout of AU Small Finance Bank Ltd

Dividend payout refers to the total dividends paid to shareholders relative to the company's earnings. It is a financial measure that determines the percentage of earnings paid out to existing shareholders as dividends. How to calculate Dividend Payout Ratio? The dividend payout ratio formula is as follows: DPR = Dividends paid / Net earnings With the dividend payout ratio, you can understand the company's priorities. It is an important metric that allows you to easily check DPR online.

Historical Dividend Payout of AU Small Finance Bank Ltd

Period
Mar '196
Mar '200
Mar '210
Mar '221
Mar '235
Mar '244

* All values are a in %

About AU Small Finance Bank Ltd

About AU Small Finance Bank Ltd

    AU Small Finance Bank Limited (formerly known as Au Financiers (India) Limited) was incorporated as a Public Company. The Company had originally obtained its license from Reserve Bank of India (RBI) to operate as a non deposit accepting Non-Banking Financial Company (NBFC-ND) on November 7, 2000. On 13th April 2017, the name of the Company was changed from Au Financiers (India) Limited to AU Small Finance Bank Limited and thereafter the Bank commenced its banking operations on 19th April, 2017 and surrendered its NBFC-ND-AFC Certificate of Registration with the RBI. The Bank is engaged in providing a range of banking and financial services including retail banking, wholesale banking and treasury operations and other services. The Bank operates in India only and does not have presence in any foreign country. Pursuant to change in name of the Company to Au Financiers (India) Private Limited to reflect the diversified finance business, a fresh Certificate of Incorporation was issued by the ROC on May 24, 2005. In 2005, the Company became commercial associate of HDFC Bank for carrying on the business of financing commercial vehicles. In 2006, the Company expanded its operations into Maharashtra. In 2008, the Company obtained investment of Rs 20 crore from India Business Excellence Fund and India Business Excellence Fund-1. In 2009, Company forayed into Gujarat. In 2010, the Company received fresh certificate of registration under section 45 IA of RBI Act from the RBI pursuant to which RBI classified the company as NBFC- ND-AFC. During the year, the company obtained investment of Rs 35 crore, Rs 6 crore and Rs 14 crore, from IFC, IBE Fund and IBE Fund-I, respectively. Also during the year, the company attained the status of 'Systemically Important Non-Deposit Taking Asset Finance Company'. In 2011, AuHFL was established as a subsidiary of the company to provide housing finance services. In 2012, the company obtained investment of Rs 150 crore and Rs 33.04 crore from Redwood and IFC, respectively. During the year, the company received upgrade of credit rating from CRISIL BBB+ / Stable to CRISIL A / Stable for long term bank facilities by CRISIL Ratings. During the year, Au Insurance Broking Services Private Limited was established as a subsidiary of the company to provide insurance and broking services. The company was converted into a public limited company by way of a special resolution passed by Shareholders at the EGM held on January 10, 2013 and the name of the company was changed to Au Financiers (India) Limited'. A fresh certificate of incorporation consequent upon conversion to a public limited company was issued by the RoC on 11 January 2013. The company was granted the in-principle approval to establish a Small Finance Bank (SFB) by the RBI, pursuant to its letter dated 7 October 2015. During the year 2015, the company received upgrade of credit rating to CARE A+ for long-term banking facilities by CARE Ratings. During the year 2016, the company received upgrade in long-term rating of CRISIL A/ Watch Positive by CRISIL Ratings. Pursuant to RBI approval dated April 6, 2016, the company divested its shareholding in AuHFL which was erstwhile subsidiary company. Pursuant to RBI approval dated May 18, 2016, the company divested its entire shareholding in IML. Pursuant to RBI approval dated September 6, 2016, the company divested 29.53% of the total shareholding of M Power Micro Finance Private Limited. The company divested its entire shareholding in Au Insurance Broking Services Private Limited (AuIBSPL), erstwhile associate company. The RBI granted the final approval to the company to establish an SFB by its letter dated 20 December 2016 AU Bank's IPO received an overwhelming response in June 2017 with an oversubscription of about 54 times. On 4 October 2017, AU Small Finance Bank announced that it entered into agreement with Aditya Birla Health Insurance Company (ABHICL) for Health Insurance Products as Corporate Agent. On 28 October 2017, AU Small Finance Bank announced that it has signed a Memorandum of Understanding (MOU) with Small Industries Development Bank of India (SIDBI) to provide an impetus to funding MSMEs. Under AU SIDBI Joint Financing Programme', both the financial institutes have decided to work together in the areas of joint financing of projects relating to MSMEs in manufacturing and service sectors. They will adopt a common approach towards project identification, appraisal, monitoring, follow-up and client servicing. The appraisal of the proposal shall be done jointly by AU Bank and SIDBI. Both the financial institutes would earmark a corpus of Rs 100 crore for lending under this MOU for FY 2018. The corpus for the subsequent years would be decided after mutual consultation and seeing the progress made during FY 2018. The 3 year-long agreement will focus on timely and adequate credit availability to Medium Scale Enterprise (MSEs) units and efforts will be made for augmenting credit flow to MSE. AU Small Finance Bank received Scheduled Commercial bank status from the Reserve Bank of India (RBI) in November 2017. On 3 November 2017, AU Small Finance Bank announced that the Reserve Bank of India has granted approval to SBI Mutual Fund to acquire shareholding of upto 10% through its various schemes in AU Small Finance Bank. On 28 November 2017, AU Small Finance Bank announced that it has commenced offering mutual fund distribution for its customers. The bank has partnered with 11 reputed mutual fund houses (AMC) for starting this product segment. On 19 December 2017, AU Small Finance Bank announced that it has entered into the Business Correspondent Agreement with M/S Sahaj E-Village Limited for providing bank and financial services through the use of Business Correspondent model. On 12 January 2018, AU Small Finance Bank announced the launch of home loan product for its customers. AU Small Finance Bank opened 71 new unbanked rural banking outlets in March 2018. On 6 March 2018, AU Small Finance Bank announced that the bank has tied up with Aurionpro Solutions to enhance its digital banking offering corporate internet banking and cash anagement platform for SME, MSMEs and corporate customers. On 3 April 2018, AU Small Finance Bank announced that it has entered into agreement with Future Generali India Life Insurance Company Limited (FGLI) to act as corporate agent for life insurance business. This tie up shall be mutually beneficial for the bank and FGLI in terms of business, market penetration and reach. The Board of Directors of AU Small Finance Bank at its meeting held on 19 May 2018 approved issuance of 43.30 lakh fully paid-up equity shares of the bank and issuance of 1.01 crore convertible warrants carrying an option to subscribe to an equivalent number of equity shares on preferential basis to Camas Investments Pte Ltd., an indirect wholly owned subsidiary of Temasek Holdings (Private) Limited, at total subscription amount of Rs 1000 crore. The entire consideration payable for the issuance of equity shares shall become payable on or before the date of allotment of equity shares. An amount equivalent to at least 25% of the subscription consideration payable towards convertible warrants, shall become payable on or before the date of allotment of the convertible warrants and the balance 75% of the subscription consideration payable towards convertible warrants shall be paid at the time of exercise of the convertible warrants by Camas Investments Pte. Ltd. Under the preferential allotment, the issue price of equity shares is Rs 692.77 per share and the issue price of the convertible warrant is Rs 692.77 per convertible warrant. Camas Investments shall be entitled to exercise any or all of the convertible warrants, in one or multiple tranches, within 18 months from the date of allotment of convertible warrants. On 30 May 2018, AU Small Finance Bank announced that it has been issued Certificate of Registration under Securities Exchange Board of India (Bankers to an issue) Regulations, 1994 by Securities Exchange Board of India. During FY 2018-19, the Bank's disbursement rose to Rs 16,077 crore as against Rs 10,825 crore in FY 2017-18, registering an increase of 49%. As on 31st March 2019,the Bank's distribution network stood at 322 Branches, 83 Asset Centres, 86 Banking Outlets (BOs) and 67 Business Correspondents (BCs), 14 Offices and 543 ATMs spread across 11 States and Union Territory. The assets under management (AUM) increased to Rs 24,246 crore as at 31st March 2019 from Rs 16,188 crore as at 31st March 2018, up by 50%.The total net advances grew 71.4% to Rs 22,819 crore from Rs 13,312 crore. During the FY2019,the bank has issued 4330441 equity shares of Rs 10 each at a premium of Rs 682.77 per share to Camas Investments Pte. Ltd through preferential allotment. During the FY2020,the Assets Under Management (AUM) to Rs 30,893 crore as against Rs 24,246 crore in March 2019,registering a growth of 27%.The bank clocked 10% and 35% sequential and annual growth in its aggregate deposits, which stood at the Rs 26,164 crore mark on 31st March 2020. As at 31 March 2020, the Bank has reported total gross advances of Rs 27,233 crore as against Rs 22,994 crore in the previous year. As on 31st March 2020, the bank had 647 touchpoints, which comprised 406 bank branches, 122 banking outlets, 88 business correspondents, 31 asset centers, 13 offices and 356 ATMs (including TATA Indicash ATMs) across 11 states and one Union Territory. The bank raised Rs 625.5 crore primary equity through the QIP route in March 2021. The issue was for 50 lakh equity shares and received strong reception from both domestic and international institutional investors. The Bank has its presence in 15 states & 2 UTs, having total 744 touch points (552 bank branches, 177 BCBOs & 15 BCs) and 343 ATMs as on 31st March 2021. During the FY2021,the Assets Under Management (AUM) of the Bank increased by 22% to Rs 37,712 crore as on 31st March 2021 as against Rs 30,893 crore as on 31st March 2020, primarily driven by growth in the retail assets under management. The Bank has its presence in 18 states & 2 UTs and had total 919 touch points, which comprised 692 Bank Branches, 210 BCBOs & 17 BCs and 514 (including co-branded) ATMs as on 31st March, 2022. During FY 2021-22, Bank has expanded its distribution and opened 87 new Bank Branches and entered 3 newer states. During FY 2022, the Assets Under Management (AUM) stood at Rs. 47,831 crore reflecting 27% YoY growth. The Bank has its presence in 21 states & 3 UTs and had total 1,027 touch points, which comprised 474 Bank Branches, 235 BCBOs & 14 BCs and 493 (including co-branded) ATMs as on 31st March, 2023. During FY 2022-23, Bank has expanded its distribution and opened 108 new Bank Branches and entered 4 newer states. During the year 2022-23, the Bank had allotted 31,50,93,233 equity shares of Rs 10 each as fully paid-up Bonus Equity Shares to the eligible shareholders as on the record date i.e. June 10, 2022 in the proportion of 1:1, i.e., 1 bonus equity share for every 1 fully paid-up equity shares held effective from May 29, 2022. The Bank issued Qualified Institutions Placement (QIP) of 3,44,82,758 equity shares of face value of Rs 10 each at an issue price of Rs 580 per Equity Share (including a security premium of Rs 570 per Equity Share) on subscription by Qualified Institutional Buyers (QIB) aggregating to Rs 2,000 crore, which opened on August 3, 2022 and allotment of Equity shares were made on August 9, 2022.

AU Small Finance Bank Ltd News Hub

News

AU Small Finance Bank to declare Quarterly Result

AU Small Finance Bank will hold a meeting of the Board of Directors of the Company on 25 J...

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18 Jul 202411:38

News

AU Small Finance Bank Ltd slips for fifth straight session

AU Small Finance Bank Ltd dropped for a fifth straight session today. The stock is quoting...

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11 Jul 202413:35

News

AU SFB reports gross advances of Rs 90,700 crore for Q1 FY25; deposits at Rs 97,290 crore

Securitised/assigned portfolio and inter-bank participation certificate (IBPC) stood at Rs...

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08 Jul 202411:19

News

AU SFB board OKs fund raising upto Rs 11,000 crore

The bank’s board has approved raising of funds by issue of equity shares for aggregating a...

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28 Jun 202411:06

News

AU Small Finance Bank to conduct AGM

AU Small Finance Bank announced that the 29th Annual General Meeting (AGM) of the bank wil...

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28 Jun 202414:03

News

AU Small Finance Bank Ltd spurts 1.93%, up for five straight sessions

AU Small Finance Bank Ltd rose for a fifth straight session today. The stock is quoting at...

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26 Jun 202413:00

Product Composition by Percentage (Revenue)

FAQs for PE of AU Small Finance Bank Ltd

What is AU Small Finance Bank Ltd current share price?

The current market price of AU Small Finance Bank Ltd as of July 25, 2024 is ₹659.85.

What is AU Small Finance Bank Ltd's market cap?

AU Small Finance Bank Ltd's market capitalisation stood at ₹49,037 Cr as of July 25, 2024

What are AU Small Finance Bank Ltd's total net assets?

According to AU Small Finance Bank Ltd's most recent financial filings, the company's net assets total ₹792.1 Cr.

Is AU Small Finance Bank Ltd making a profit or loss?

AU Small Finance Bank Ltd's net Profit as of July 25, 2024 is close to ₹1,534 Cr.
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