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U.Y. FINCORP vs PNB GILTS - Comparison Results

Rs 100 invested in...

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Current Valuations

    U.Y. FINCORP PNB GILTS U.Y. FINCORP/
PNB GILTS
 
P/E (TTM) x 8.3 133.0 6.2% View Chart
P/BV x 2.0 1.6 128.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 U.Y. FINCORP   PNB GILTS
EQUITY SHARE DATA
    U.Y. FINCORP
Mar-23
PNB GILTS
Mar-23
U.Y. FINCORP/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs1879 23.2%   
Low Rs1055 17.2%   
Income per share (Unadj.) Rs2.968.3 4.3%  
Earnings per share (Unadj.) Rs0.4-4.3 -9.5%  
Cash flow per share (Unadj.) Rs3.012.0 24.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs13.370.0 19.0%  
Shares outstanding (eoy) m190.24180.01 105.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.81.0 485.0%   
Avg P/E ratio x34.2-15.6 -218.5%  
Avg P/CF ratio x33.5-37.3 -89.9%  
Avg Price/Bookvalue ratio x1.01.0 109.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m2,64712,079 21.9%   
No. of employees `000NANA-   
Total wages & salary Rs m10116 8.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m55612,298 4.5%  
Other income Rs m176 284.0%   
Interest expense Rs m39,756 0.0%   
Net interest income Rs m5522,542 21.7%  
Operating expense Rs m4573,464 13.2%   
Gross profit Rs m96-922 -10.4%  
Gross profit margin %17.2-7.5 -229.9%  
Provisions/contingencies Rs m1448 0.3%   
Profit before tax Rs m111-851 -13.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m34-78 -42.9%   
Profit after tax Rs m77-772 -10.0%  
Net profit margin %13.9-6.3 -222.0%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %157.71.4 11,599.4%  
Net fixed assets Rs m870 11.8%   
Share capital Rs m9511,800 52.8%   
Free reserves Rs m1,57910,800 14.6%   
Net worth Rs m2,53012,600 20.1%   
Borrowings Rs m0192,384 0.0%   
Investments Rs m350186,979 0.2%   
Total assets Rs m2,855214,872 1.3%  
Debt/equity ratio x015.3 0.0%   
Return on assets %2.7-0.4 -755.0%  
Return on equity %3.1-6.1 -50.0%  
Capital adequacy ratio %031.8 0.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-33-46,383 0.1%  
From Investments Rs mNA-144 -0.2%  
From Financial Activity Rs m-346,180 -0.0%  
Net Cashflow Rs m-36-347 10.3%  

Share Holding

Indian Promoters % 71.4 74.1 96.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 0.0 -  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 28.6 25.9 110.4%  
Shareholders   15,869 82,765 19.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare U.Y. FINCORP With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on GOLDEN SECURITIES vs PNB GILTS

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

Here's a brief comparison:

GOLDEN SECURITIES vs PNB GILTS Share Price Performance

Period GOLDEN SECURITIES PNB GILTS
1-Day -2.03% -1.13%
1-Month 6.24% 2.39%
1-Year 52.41% 84.62%
3-Year CAGR 99.45% 29.55%
5-Year CAGR 54.49% 28.88%

* Compound Annual Growth Rate

Here are more details on the GOLDEN SECURITIES share price and the PNB GILTS share price.

Moving on to shareholding structures...

The promoters of GOLDEN SECURITIES hold a 71.4% stake in the company. In case of PNB GILTS the stake stands at 74.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GOLDEN SECURITIES and the shareholding pattern of PNB GILTS.

Finally, a word on dividends...

In the most recent financial year, GOLDEN SECURITIES paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

PNB GILTS paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of GOLDEN SECURITIES, and the dividend history of PNB GILTS.

For a sector overview, read our finance sector report.



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