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AU Small Finance Bank Ltd882.90 -3.75 (-0.42%)

  • BSE: 540611
  • |
  • NSE: AUBANK
  • |
  • ISIN NO: INE949L01017
  • |
  • INDUSTRY: Banks
Profile

AUBANK

AUBANK

It was initially incorporated as ‘L.N. Finco Gems Private Limited’ as on January 10, 1996, as a private limited company under the Companies Act, 1956 with the RoC. According to the name change of the Company to Au Financiers (India) Private Limited to reflect the RoC issued the diversified finance business of the Company, a fresh certificate of incorporation on May 24, 2005. It was also converted into a public limited company by way of a special resolution passe ... d by the Shareholders during the EGM held on January 10, 2013, and the company name was changed to ‘Au Financiers (India) Limited.’ The RoC issued a fresh certificate of incorporation consequent upon conversion to a public limited company as on January 11, 2013. It was also granted the in-principle approval to establish an SFB by the RBI, according to its letter dated October 7, 2015. Also, the RBI granted it the final approval to establish an SFB by its letter dated December 20, 2016. According to the Company being established as an SFB, the company name was changed to ‘AU the RoC issued small Finance Bank Limited' and a fresh certificate of incorporation as on April 13, 2017.

Some of the Milestones:

  • 1996: It was incorporated as a private limited company in Rajasthan with an authorized share capital of INR 0.1 million.
  • 2000: It received a certificate of registration under section 45 I A of RBI Act from the RBI to carry on the business of non-banking financial institution without accepting public deposits.
  • 2005: It also became a commercial associate of HDFC Bank for carrying on the business of financing commercial vehicles.
  • 2006: It expanded its operations into Maharashtra.
  • 2008: It also obtained investment of INR 200 million from India Business Excellence Fund and India Business Excellence Fund-1.
  • 2009: It forayed into Gujarat, which is the third state where the Company commenced its operations.
  • 2010:
  • It received a fresh certificate of registration under section 45 IA of RBI Act from the RBI according to which RBI also classified the Company as an NBFC-ND-AFC.
  • It obtained an investment of INR 350 million, INR 60 million and INR 140 million, from IFC, IBE Fund and IBE Fund -I, respectively.
  • It attained the status of “Systemically Important Non-Deposit Taking Asset Finance Company.”
  • 2011: It set-up a subsidiary named, AuHFL, to provide housing finance services.
  • 2012:
  • It obtained investment of INR 1,500 million and INR 330.44 million from Redwood and IFC, respectively.
  • It received an upgrade of credit rating from CRISIL BBB+/Stable to CRISIL A/Stable for long term bank facilities by CRISIL Ratings.
  • It also set-up a subsidiary named, Au Insurance Broking Services Private Limited, for providing insurance and broking services.
  • 2015:
  • It received an upgrade of credit rating to CARE A+ for long-term banking facilities by CARE Ratings.
  • It assigned a credit rating of Ind A+/Stable for the long term banking facilities and NCDs by India Ratings.
  • It received “in-principle” approval for forming an SFB from the RBI.
  • 2016:
  • It received final approval for carrying on the business of SFB from the RBI.
  • It received a long term credit rating of BWRAA, along with Stable Outlook from Brickwork Ratings.
  • It received an upgrade in the long-term rating of CRISIL A/ Watch Positive by CRISIL Ratings.
  • Also, according to RBI approval dated April 6, 2016, divested its shareholding in AuHFL that was the erstwhile subsidiary company.
  • According to RBI approval dated May 18, 2016, divested its entire shareholding in IML(2).
  • According to RBI approval dated September 6, 2016, divested 29.53% of the total shareholding of M Power Micro Finance Private Limited.
  • It also divested its entire shareholding in Au Insurance Broking Services Private Limited (or “AuIBSPL”), the recent associate company. In this regard, it has received an in-principle approval dated December 6, 2016, from the IRDAI for change in the shareholding pattern of AuIBSPL.
  • 2017:
  • It commenced operations as an SFB, and the same was notified via the RBI press release dated April 19, 2017.
  • It also received an upgrade of credit rating outlook from Ind A+/Stable to IND A+/POSITIVE for long term banking facilities and NCDs by India Ratings.

Some of the Achievements:

  • 2011:
  • It was shortlisted for the Financial Times International Finance Corporation.
  • It received the sustainable Finance Awards in the “Achievement in the Financing at the Base of the Pyramid” category.
  • 2012: It was awarded the “Best PE-backed Financial Service Company” by VCCircle.
  • 2017: It was also adjudged runner-up in the “Best Retail NBFC” category by Outlook Money Awards, in 2016.

Read More
Key Data
  • Market cap 20386.00 CR.
  • Book value 141.10
  • Stock P/E 39
  • Dividend Yield 0.11%
  • ROCE 9.17%
  • ROE 18.59%
  • Sales Growth (3Y) 49.60%
  • Face Value (3Y) 10.00
Trend Analysis
  • Short Term Trend :
    Up
  • Medium Term Trend :
    Up
  • Long Term Trend :
    Not Clear

Are you friends with trend?

There is a saying in stock market, "Trend is your best friend"

It means, a good trader doesn't place his money against the trend. Many new traders lose money because they are trying to catch trend reversals but seasoned traders wait for a clear trend to emerge before taking the trade in the direction of trend.

Day Technicals

What is Opening Range Breakout?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

NR7

What is NR7 trading strategy?

Narrow Range trading strategy or NR7 Trading strategy is a breakout based method which assumes that the price of security trends up or down after a brief consolidation in a narrow range.

Opening Price clues

How to use Opening Price Clues in your trades?

If the stock has same open and high after it has traded for some time, it implies there was a consistent selling pressure that didn't allow the stock to move higher from the opening price. Similarly, if the stock has same open and low price, it implies there was a consistent buying intent that kept the stock price above the opening price.

Day High Low Range
TIME LOWEST HIGHEST
10 AM 886.50 894.10
11 AM 886.50 894.10
12 PM 885.50 894.10
1 PM 873.00 894.10
2 PM 872.00 894.10
3 PM 872.00 894.10
Japanese Candlestick Patterns
Candle Pattern 1 :None
Candle Pattern 2 : None
Candle Pattern 3 :None
Candlestick Price Action
Higher High Higher Low
Pivot Points
Name S4 S3 S2 S1 Pivot Points R1 R2 R3 R4
classic 795.55 823.55 851.55 869.10 879.55 897.10 907.55 935.55 963.55
woodie's 807.20 835.20 848.60 863.20 876.60 891.20 904.60 919.20 947.20
fibonacci - 851.55 862.24 868.85 879.55 890.25 896.86 907.55 -
camarilla 871.25 878.95 881.52 884.08 -- 889.22 891.78 894.35 902.05
Past Performance & Moving Averages
Day’s LOW HIGH RANGE SMA PERFORMANCE Nifty
10 DAY 826.00
945.50
871.77 2.44 % 2.25 %
20 DAY 752.00
945.50
843.80 10.69 % 4.01 %
50 DAY 616.70
945.50
773.74 23.96 % 10.93 %
100 DAY 616.70
945.50
739.44 22.13 % 14.80 %
200 DAY 366.00
1218.00
689.21 123.53 % 48.91 %
YTD 366.00
1218.00
724.17 11.95 % 7.80 %
52 Week 366.00
1218.00
717.44 10.65 % 9.87 %

Why are moving Averages important in technical Analysis?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

Gaps On Day Chart
Unfilled Gap Up On 2020-06-23
520.00 ~ 510.45 SUPPORT
Unfilled Gap Up On 2020-06-03
437.15 ~ 430.55 SUPPORT
Unfilled Gap Up On 2020-06-01
400.00 ~ 399.00 SUPPORT
Unfilled Gap Down On 2020-03-12
975.00 ~ 1025.00 RESISTANCE
Industry Growth Rate

In Last 1 Year the industry has grown by 15.00 %

In Last 5 Year the industry has grown by 9.30 %

Peer comparison

Sales

COMPANY NAME201420152016201720182019
AUBANK813.001209.001441.00
SBIN189062.00207974.00220633.00230447.00228970.00253322.00
ICICIBANK49479.0054964.0059294.0060940.0062162.0071982.00
HDFCBANK42555.0050666.0063162.0073271.0085288.00105161.00
AXISBANK30736.0035727.0041409.0045175.0046614.0056044.00
Total 70028.80 77141.40 82254.80 77958.00 70028.80 77141.40

Financial

LAST FISCAL CURRENT GROWTH 10 YEAR CAGR
S.NO. COMPANY NAME MARKET CAP CMP BOOK VALUE EPS STOCK P/E ROE GNPA REVENUE NET PROFIT NPM REVENUE NET PROFIT REVENUE NET PROFIT
1 HDFC Bank Ltd 770945.32 1406.95 272.34 41.00 30.37 40.98 105161.00 22332.00 21.24% 23.30% 20.65% 20.48% 25.80%
2 ICICI BANK LTD. 310993.12 480.45 167.47 6.60 81.68 3.30 71982.00 4254.00 5.91% 15.80% 7.10% 1.75%
3 KOTAK MAHINDRA BANK LTD. 346648.04 1813.40 224.42 37.74 44.78 4.95 1.94% 29935.00 7204.00 24.07% 19.12% 16.17% 21.23% 27.15%
4 STATE BANK OF INDIA 220259.08 246.80 247.53 2.58 120.54 2.58 253322.00 2300.00 0.91% 10.64% 10.70%
5 AXIS BANK LTD. 171539.86 608.25 236.40 19.59 36.96 9.80 56044.00 5039.00 8.99% 20.23% 1005.04% 17.87% 10.76%
6 INDUSIND BANK LTD. 62175.90 896.70 384.70 54.77 23.24 5.47 2.10% 22261.00 3301.00 14.83% 28.82%
7 Bandhan Bank Ltd 59974.45 372.40 69.57
8 LAKSHMI VILAS BANK LTD. 26018.79 7.65 56.21
9 BANK OF BARODA 24997.08 54.10 99.43 4.15 21.24 2.08 52906.00 1100.00 2.08% 14.87% 13.03%
10 PUNJAB NATIONAL BANK 22894.47 33.95 66.47 52147.00 7.02% 10.18%
11 Dhanlaxmi Bank Limited 25247.98 9.93 30.08
12 IDBI BANK LTD. 39550.58 38.10 36.23 22102.00 6.62%
13 AU Small Finance Bank Ltd 26913.06 886.00 65.83
14 BANK OF INDIA 15544.72 47.40 127.20 41005.00 7.03% 9.59%
15 IDFC First Bank Ltd 17646.97 36.80 37.92 12204.00 34.14%
16 CANARA BANK 10883.65 105.70 351.16 7.99 23.03 0.80 8.87% 46897.00 602.00 1.28% 13.43% 10.60%
17 FEDERAL BANK LTD. 12960.59 65.05 66.62 6.63 13.70 3.31 2.92% 11635.00 1316.00 11.31% 17.35% 40.75% 13.38% 10.80%
18 CITY UNION BANK LTD. 13360.28 181.45 65.79
19 UNION BANK OF INDIA 10063.29 29.40 77.38 34314.00 4.13%
20 RBL Bank Ltd 11469.51 225.55 148.46 20.10 15.81 2.01 6302.00 858.00 13.61% 38.17% 35.76%
Sales

What is Sales Trend ?

Sales trend is a methodology to understand sales results which helps in understanding the trends of the market over a specific period of time. Sales results are an indicative of the sales patterns followed by the customer over a time period.

Profitability

What is Profit & EPS Trend ?

EPS Trends was initially built in late 2015 when I was just getting into frontend development. Coming from a background in Rails, I was frustrated with how many decisions you had to make early on as a javascript developer.

Net Profit
EPS

What is EBITDA Margin & EBIT Margin ?

Corporate accounting is required to adhere to the standards and practices collectively referred to as the generally accepted accounting principles. EBITDA is an excellent way for corporate accountants to start compiling data, but it should not be considered an absolute result. This is due to the fact that many consider EBITDA more of a broad stroke than a definitive form of accounting practice.

EBITDA Margin
EBIT Margin
NPM
Cash Flow

Why is the Cash Flow Analysis important?

A business needs cash to pay its expenses, to pay bank loans, to pay taxes and to purchase new assets. A cash flow report determines whether a business has enough cash to do exactly this.

Operating Activities
Financing Activities
Investing Activities
Financial Health

What Is Financial Health?

Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.

Debt to Equity
Piotroski Score
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9

What Is the Piotroski Score?

The Piotroski score is a discrete score between 0-9 that reflects nine criteria used to determine the strength of a firm's financial position.

Altman Z Score (Mfg Company)
  • Distress (< 1.81)
  • Caution (>1.81 < 2.99)
  • 14.74
    Safe (3 & above)
Altman Z Score (Non-Mfg Company)
  • Distress ( < 1.23)
  • Caution (>1.23 < 2.6)
  • 58.22
    Safe (2.6 & above)
Valuation

What Is Valuation?

Valuation is the analytical process of determining the current (or projected) worth of an asset or a company. There are many techniques used for doing a valuation. An analyst placing a value on a company looks at the business's management, the composition of its capital structure, the prospect of future earnings, and the market value of its assets, among other metrics.

What is the significance of Rollover data?

Rollover in an important data point and should be analyzed in the expiry week. Rollover involves carry forwarding of ‘futures’ positions from one series (which is nearing expiry date) to the next one.

Rollover percentage actually indicates whether the traders are willing to carry forward their existing. positions (long or short) to the next series or not. Generally, the rollover figures alone will not indicate which direction traders are betting on. You should also check whether absolute open interest is increasing or decreasing over expiries

What is Options Max Pain Theory?

Options Max Pain Theory suggests,

“On option expiration day, the underlying stock price often moves toward a point that brings maximum loss to option buyers.”

Ratio Analysis

The Bank was incorporated in the year 2004 by Rana Kapoor and Late Ashok Kapur, which is a new age private sector bank. And since the inception of the bank has fructified into a “Full-Service Commercial Bank,” it has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the whole country.

It is well-equipped to offer a spectrum of products and services to all the corporate and retail customers.

Read More
Bulk Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
AUBANK 2019-10-24 OUREA HOLDINGS LIMITED S 3165364.00 675.04
AUBANK 2018-08-10 KOTAK MAHINDRA MUTUAL FUND P 2350006.00 638.00
AUBANK 2018-08-10 NOMURA INDIA INVESTMENT FUND MOTHER FUND P 11481275.00 638.00
AUBANK 2018-08-10 OUREA HOLDINGS LIMITED S 2879269.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 6600000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 17400000.00 638.00
AUBANK 2018-07-13 INTERNATIONAL FINANCE CORPORATION FDI AC S 3200000.00 630.01
Block Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
AUBANK 2018-09-18 UTTAM TIBREWAL P 450000.00 677.00
AUBANK 2018-09-18 NAMOKAR MINING INDUSTRIES LLP S 450000.00 677.00
AUBANK 2018-08-10 OUREA HOLDINGS LIMITED S 2879269.00 638.00
AUBANK 2018-08-10 MALABAR SELECT FUND P 240000.00 638.00
AUBANK 2018-08-10 MALABAR VALUE FUND P 160000.00 638.00
AUBANK 2018-08-10 GEETA CHETAN SHAH P 400001.00 638.00
AUBANK 2018-08-10 ADITYA BIRLA SUN LIFE MUTUAL FUND P 315000.00 638.00
AUBANK 2018-08-10 PROFITEX SHARES & SECURITIES PRIVATE LIMITED P 199999.00 638.00
AUBANK 2018-08-10 KOTAK MAHINDRA LIFE INSURANCE COMPANY LIMITED P 235004.00 638.00
AUBANK 2018-08-10 KUWAIT INVESTMENT AUTHORITY P 470000.00 638.00
AUBANK 2018-08-10 MALABAR INDIA FUND LIMITED P 390000.00 638.00
AUBANK 2018-08-10 JANCHOR PARTNERS PAN-ASIAN MASTER FUND P 1403000.00 638.00
AUBANK 2018-08-10 NOMURA INDIA INVESTMENT FUND MOTHER FUND P 8602006.00 638.00
AUBANK 2018-08-10 NOMURA INDIA INVESTMENT FUND MOTHER FUND P 2879269.00 638.00
AUBANK 2018-08-10 MOTILAL OSWAL MUTUAL FUND P 784000.00 638.00
AUBANK 2018-08-10 HSBC GLOBAL INVESTMENT FU NDS MAURITIUS LTD P 1075000.00 638.00
AUBANK 2018-08-10 SUNDARAM MUTUAL FUND P 310008.00 638.00
AUBANK 2018-08-10 SBI MUTUAL FUND P 784000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 8602006.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 2350006.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 1403000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 1249995.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 1114000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 1075000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 235004.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 224997.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 200003.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 199999.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 160000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 157000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 470000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 400001.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 390000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 315000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 310008.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 240000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 919987.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 847994.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 784000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 784000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 784000.00 638.00
AUBANK 2018-08-10 REDWOOD INVESTMENT LTD S 784000.00 638.00
AUBANK 2018-08-10 RELIANCE MUTUAL FUND P 847994.00 638.00
AUBANK 2018-08-10 MORGAN STANLEY (FRANCE) S.A.S P 1114000.00 638.00
AUBANK 2018-08-10 TATA AIA LIFE INSURANCE CO LTD P 224997.00 638.00
AUBANK 2018-08-10 KOTAK MAHINDRA MUTUAL FUND P 2350006.00 638.00
AUBANK 2018-08-10 KOTAK FUNDS INDIA MIDCAP FUND P 919987.00 638.00
AUBANK 2018-08-10 MERRILL LYNCH MARKETS SINGAPORE PTE LTD P 157000.00 638.00
AUBANK 2018-08-10 BNP PARIBAS MUTUAL FUND P 200003.00 638.00
AUBANK 2018-08-10 AMANSA INVESTMENTS LIMITED P 1249995.00 638.00
AUBANK 2018-08-10 SANJAY AGARWAL P 784000.00 638.00
AUBANK 2018-08-10 TD EMERGING MARKETS FUND P 784000.00 638.00
Dividend history
Ex Date Amount
2019-07-18 0.75
2018-07-30 0.50
Bonus Data
Company Name Split Date From Value To Value
Split Data
Company Name Split Date From Value To Value