ScoreWhy is AU Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.62%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 30.43% and Net profit at 21.08%
- The Bank has a high Capital Adequacy Ratio of 21.50% signifying high buffers against its risk based assets
2
Flat results in Sep 25
- PBT LESS OI(Q) At Rs 16.31 cr has Fallen at -86.50%
- NON-OPERATING INCOME(Q) is 97.76 % of Profit Before Tax (PBT)
3
With ROA of 1.3, it has a Very Expensive valuation with a 3.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 59.42%, its profits have risen by 15.5% ; the PEG ratio of the company is 2.2
4
High Institutional Holdings at 66.4%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 59.42% in the last 1 year, much higher than market (BSE500) returns of 2.36%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to AU Small Finance should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is AU Small Finance for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
AU Small Finance
61.6%
1.89
31.38%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
26.30%
Net Profit Growth (5y)
15.53%
Advance to Deposit
90.53%
Capital Adequacy Ratio (Tier 1)
21.50%
Gross NPA (latest)
2.30%
Gross NPA (avg)
2.20%
Coverage Ratio (avg)
62.43%
Cost to Income (avg)
59.58%
Net Interest Margin (avg)
6.03%
Operating Profit to Assets (avg)
7.68%
ROA (avg)
1.66%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Price to Book Value
4.05
PEG Ratio
2.43
Dividend Yield
0.10%
ROE (Latest)
12.75%
ROA (Latest)
1.40%
Net NPA to Book Value
6.02
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 4,727.47 cr
NII(Q)
Highest at Rs 2,341.27 cr
PBT LESS OI(Q)
Highest at Rs 160.37 cr.
PAT(Q)
Highest at Rs 667.66 cr.
EPS(Q)
Highest at Rs 8.94
-7What is not working for the Company
PBDIT(Q)
Lowest at Rs 491.51 cr.
OPERATING PROFIT TO NET SALES(Q)
Lowest at 10.40%
NON-OPERATING INCOME(Q)
is 81.86 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for AU Small Finance
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 160.37 cr has Grown at 89.07%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 4,727.47 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 2,341.27 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 160.37 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 667.66 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 667.66 cr has Grown at 26.3%
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 8.94
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for AU Small Finance
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 491.51 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 10.40% and Fallen
each quarter in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 81.86 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
