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BANK OF BARODA vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    BANK OF BARODA UNION BANK BANK OF BARODA/
UNION BANK
 
P/E (TTM) x 7.4 8.9 83.1% View Chart
P/BV x 1.3 1.5 87.4% View Chart
Dividend Yield % 2.1 2.0 106.6%  

Financials

 BANK OF BARODA   UNION BANK
EQUITY SHARE DATA
    BANK OF BARODA
Mar-23
UNION BANK
Mar-23
BANK OF BARODA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs19796 204.6%   
Low Rs9034 268.0%   
Income per share (Unadj.) Rs182.0118.8 153.3%  
Earnings per share (Unadj.) Rs28.812.5 231.4%  
Cash flow per share (Unadj.) Rs69.527.2 255.4%  
Dividends per share (Unadj.) Rs5.503.00 183.3%  
Avg Dividend yield %3.84.6 83.0%  
Book value per share (Unadj.) Rs203.1115.3 176.2%  
Shares outstanding (eoy) m5,171.366,834.75 75.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.80.5 144.1%   
Avg P/E ratio x5.05.2 95.5%  
Avg P/CF ratio x2.41.7 140.9%  
Avg Price/Bookvalue ratio x0.70.6 125.4%  
Dividend payout %19.124.1 79.2%   
Avg Mkt Cap Rs m742,349444,088 167.2%   
No. of employees `000NANA-   
Total wages & salary Rs m143,427125,240 114.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m941,386811,632 116.0%  
Other income Rs m166,394159,154 104.5%   
Interest expense Rs m499,422480,328 104.0%   
Net interest income Rs m441,964331,303 133.4%  
Operating expense Rs m306,445234,873 130.5%   
Gross profit Rs m135,52096,430 140.5%  
Gross profit margin %14.411.9 121.2%  
Provisions/contingencies Rs m155,035171,280 90.5%   
Profit before tax Rs m205,645121,465 169.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,0000-   
Prior Period Items Rs m3,173813 390.2%   
Tax Rs m58,76737,162 158.1%   
Profit after tax Rs m149,05285,117 175.1%  
Net profit margin %15.810.5 151.0%  
BALANCE SHEET DATA
Advances Rs m9,636,5187,642,767 126.1%   
Deposits Rs m12,346,82011,203,219 110.2%  
Credit/Deposit ratio x78.068.2 114.4%  
Yield on advances %6.87.4 91.7%   
Cost of deposits %3.54.0 87.7%   
Net Interest Margin %3.23.0 108.6%  
Net fixed assets Rs m88,76088,258 100.6%   
Share capital Rs m10,35569,388 14.9%   
Free reserves Rs m1,040,192718,648 144.7%   
Net worth Rs m1,050,547788,035 133.3%   
Borrowings Rs m1,079,102427,366 252.5%   
Investments Rs m3,974,8723,437,270 115.6%   
Total assets Rs m15,258,79012,883,571 118.4%  
Debt/equity ratio x12.814.8 86.6%   
Return on assets %1.00.7 147.9%  
Return on equity %14.210.8 131.4%  
Capital adequacy ratio %16.216.0 101.2%  
Net NPAs %0.91.7 52.4%  
CASH FLOW
From Operations Rs m-212,70661,114 -348.0%  
From Investments Rs m-10,963-25,611 42.8%  
From Financial Activity Rs m-54,884-106,541 51.5%  
Net Cashflow Rs m-278,552-71,038 392.1%  

Share Holding

Indian Promoters % 64.0 77.0 83.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 28.3 16.3 173.9%  
FIIs % 12.3 4.0 309.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 36.0 23.0 156.6%  
Shareholders   1,289,443 874,309 147.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANK OF BARODA With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on Bank of Baroda vs Union Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Bank of Baroda vs Union Bank Share Price Performance

Period Bank of Baroda Union Bank S&P BSE BANKEX
1-Day 2.20% 1.65% 0.82%
1-Month 1.09% 9.27% 2.48%
1-Year 64.57% 149.68% 19.28%
3-Year CAGR 54.10% 65.22% 12.00%
5-Year CAGR 15.34% 9.76% 9.40%

* Compound Annual Growth Rate

Here are more details on the Bank of Baroda share price and the Union Bank share price.

Moving on to shareholding structures...

The promoters of Bank of Baroda hold a 64.0% stake in the company. In case of Union Bank the stake stands at 77.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Bank of Baroda and the shareholding pattern of Union Bank.

Finally, a word on dividends...

In the most recent financial year, Bank of Baroda paid a dividend of Rs 5.5 per share. This amounted to a Dividend Payout ratio of 19.1%.

Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.

You may visit here to review the dividend history of Bank of Baroda, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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