Business Description
AU Small Finance Bank Ltd
Description
AU Small Finance Bank Ltd is engaged in the activities of providing financial services such as personal banking, insurance, retail loans and wholesale banking. The company operates in the business segment namely, Treasury; Retail banking; Wholesale banking; and Other banking operations. It generates maximum revenue from Retail banking segment. The retail banking segment serves retail customers through a branch network and other delivery channels. Revenues of the retail banking segment are derived from interest earned on retail loans, fees from services rendered, and others. Geographically, it operates only in India.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.59 | |||||
| Equity-to-Asset | 0.13 | |||||
| Debt-to-Equity | 0.66 | |||||
| Debt-to-EBITDA | 1.3 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 4/9 | |||||
| Beneish M-Score | -2.74 | |||||
| WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 29.8 | |||||
| 3-Year EPS without NRI Growth Rate | 40.4 | |||||
| 3-Year FCF Growth Rate | 104.1 | |||||
| 3-Year Book Growth Rate | 30.2 | |||||
| Future 3-5Y Total Revenue Growth Rate | 26.61 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 57.44 | |||||
| 9-Day RSI | 50.97 | |||||
| 14-Day RSI | 48.49 | |||||
| 6-1 Month Momentum % | 6.85 | |||||
| 12-1 Month Momentum % | -5.68 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 0.08 | |||||
| Dividend Payout Ratio | 0.02 | |||||
| 3-Year Dividend Growth Rate | -100 | |||||
| Forward Dividend Yield % | 0.08 | |||||
| 5-Year Yield-on-Cost % | 0.08 | |||||
| 3-Year Average Share Buyback Ratio | -2.5 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 26.14 | |||||
| ROE % | 16.58 | |||||
| ROA % | 2.02 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 30.24 | |||||
| Forward PE Ratio | 24.51 | |||||
| PE Ratio without NRI | 29.77 | |||||
| Shiller PE Ratio | 64.37 | |||||
| Price-to-Owner-Earnings | 6.2 | |||||
| PEG Ratio | 0.99 | |||||
| PS Ratio | 7.91 | |||||
| PB Ratio | 4.13 | |||||
| Price-to-Tangible-Book | 4.12 | |||||
| Price-to-Free-Cash-Flow | 6.07 | |||||
| Price-to-Operating-Cash-Flow | 5.81 | |||||
| EV-to-Revenue | 8.65 | |||||
| EV-to-Forward-Revenue | 6.86 | |||||
| EV-to-FCF | 6.7 | |||||
| Price-to-Projected-FCF | 1.4 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.4 | |||||
| Price-to-Graham-Number | 2.41 | |||||
| Forward Rate of Return (Yacktman) % | 25.33 |
