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INDIAN BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN BANK HDFC BANK INDIAN BANK/
HDFC BANK
 
P/E (TTM) x 9.6 18.3 52.2% View Chart
P/BV x 1.4 3.8 37.1% View Chart
Dividend Yield % 1.7 1.3 125.9%  

Financials

 INDIAN BANK   HDFC BANK
EQUITY SHARE DATA
    INDIAN BANK
Mar-23
HDFC BANK
Mar-23
INDIAN BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs3101,722 18.0%   
Low Rs1371,272 10.8%   
Income per share (Unadj.) Rs361.2306.0 118.0%  
Earnings per share (Unadj.) Rs44.782.4 54.3%  
Cash flow per share (Unadj.) Rs71.6150.0 47.7%  
Dividends per share (Unadj.) Rs8.6019.00 45.3%  
Avg Dividend yield %3.81.3 303.0%  
Book value per share (Unadj.) Rs397.5516.7 76.9%  
Shares outstanding (eoy) m1,245.445,579.74 22.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.64.9 12.7%   
Avg P/E ratio x5.018.2 27.5%  
Avg P/CF ratio x1.811.1 16.1%  
Avg Price/Bookvalue ratio x0.62.9 19.4%  
Dividend payout %19.223.0 83.4%   
Avg Mkt Cap Rs m278,4818,351,759 3.3%   
No. of employees `000NANA-   
Total wages & salary Rs m75,789200,169 37.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m449,8521,707,541 26.3%  
Other income Rs m78,045339,121 23.0%   
Interest expense Rs m247,173777,799 31.8%   
Net interest income Rs m202,679929,741 21.8%  
Operating expense Rs m127,248515,337 24.7%   
Gross profit Rs m75,431414,404 18.2%  
Gross profit margin %16.824.3 69.1%  
Provisions/contingencies Rs m100,171292,038 34.3%   
Profit before tax Rs m59,632614,984 9.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-12-1,516 0.8%   
Prior Period Items Rs m2,4300-   
Tax Rs m6,327153,497 4.1%   
Profit after tax Rs m55,723459,971 12.1%  
Net profit margin %12.426.9 46.0%  
BALANCE SHEET DATA
Advances Rs m4,492,94016,619,493 27.0%   
Deposits Rs m6,211,23218,826,633 33.0%  
Credit/Deposit ratio x72.388.3 81.9%  
Yield on advances %7.18.2 87.0%   
Cost of deposits %3.73.3 114.2%   
Net Interest Margin %3.24.3 74.3%  
Net fixed assets Rs m74,70484,756 88.1%   
Share capital Rs m12,4545,580 223.2%   
Free reserves Rs m482,6142,877,623 16.8%   
Net worth Rs m495,0682,883,203 17.2%   
Borrowings Rs m220,9242,565,487 8.6%   
Investments Rs m1,883,6635,115,817 36.8%   
Total assets Rs m7,133,34025,304,324 28.2%  
Debt/equity ratio x13.07.4 175.1%   
Return on assets %0.81.8 43.0%  
Return on equity %11.316.0 70.6%  
Capital adequacy ratio %16.519.3 85.6%  
Net NPAs %0.90.3 333.3%  
CASH FLOW
From Operations Rs m-278,940208,137 -134.0%  
From Investments Rs m-3,140-34,239 9.2%  
From Financial Activity Rs m-15,434239,406 -6.4%  
Net Cashflow Rs m-297,514417,621 -71.2%  

Share Holding

Indian Promoters % 73.8 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 21.7 83.0 26.2%  
FIIs % 5.9 52.3 11.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.2 100.0 26.2%  
Shareholders   312,770 3,018,247 10.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN BANK With:   AXIS BANK    SBI    ICICI BANK    PNB    KOTAK MAHINDRA BANK    


More on Indian Bank vs HDFC Bank

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

Here's a brief comparison:

Indian Bank vs HDFC Bank Share Price Performance

Period Indian Bank HDFC Bank S&P BSE BANKEX
1-Day 4.08% 0.52% 0.82%
1-Month -1.69% 2.84% 2.48%
1-Year 86.05% -8.35% 19.28%
3-Year CAGR 65.31% -2.31% 12.00%
5-Year CAGR 13.50% 4.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Bank share price and the HDFC Bank share price.

Moving on to shareholding structures...

The promoters of Indian Bank hold a 73.8% stake in the company. In case of HDFC Bank the stake stands at 0.0%.

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

Finally, a word on dividends...

In the most recent financial year, Indian Bank paid a dividend of Rs 8.6 per share. This amounted to a Dividend Payout ratio of 19.2%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

You may visit here to review the dividend history of Indian Bank, and the dividend history of HDFC Bank.

For a sector overview, read our banking sector report.



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