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KARUR VYSYA BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    KARUR VYSYA BANK CITY UNION BANK KARUR VYSYA BANK/
CITY UNION BANK
 
P/E (TTM) x 9.4 9.7 97.7% View Chart
P/BV x 1.6 1.3 128.9% View Chart
Dividend Yield % 1.1 0.8 146.4%  

Financials

 KARUR VYSYA BANK   CITY UNION BANK
EQUITY SHARE DATA
    KARUR VYSYA BANK
Mar-23
CITY UNION BANK
Mar-23
KARUR VYSYA BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs116205 56.6%   
Low Rs42118 35.5%   
Income per share (Unadj.) Rs81.263.7 127.6%  
Earnings per share (Unadj.) Rs13.812.7 108.9%  
Cash flow per share (Unadj.) Rs26.219.6 133.4%  
Dividends per share (Unadj.) Rs2.001.00 200.0%  
Avg Dividend yield %2.50.6 408.9%  
Book value per share (Unadj.) Rs107.0100.7 106.2%  
Shares outstanding (eoy) m802.05740.42 108.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.02.5 38.3%   
Avg P/E ratio x5.712.7 44.9%  
Avg P/CF ratio x2.66.6 38.9%  
Avg Price/Bookvalue ratio x0.71.6 46.0%  
Dividend payout %14.57.9 183.6%   
Avg Mkt Cap Rs m63,262119,411 53.0%   
No. of employees `000NANA-   
Total wages & salary Rs m10,0605,304 189.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m65,16647,143 138.2%  
Other income Rs m11,5898,104 143.0%   
Interest expense Rs m31,67725,515 124.1%   
Net interest income Rs m33,48821,628 154.8%  
Operating expense Rs m20,32011,552 175.9%   
Gross profit Rs m13,16810,076 130.7%  
Gross profit margin %20.221.4 94.5%  
Provisions/contingencies Rs m13,6978,805 155.6%   
Profit before tax Rs m14,36911,775 122.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,3082,400 137.8%   
Profit after tax Rs m11,0619,375 118.0%  
Net profit margin %17.019.9 85.4%  
BALANCE SHEET DATA
Advances Rs m631,341430,533 146.6%   
Deposits Rs m766,376523,979 146.3%  
Credit/Deposit ratio x82.482.2 100.3%  
Yield on advances %8.48.8 95.6%   
Cost of deposits %4.04.4 91.9%   
Net Interest Margin %4.13.8 108.4%  
Net fixed assets Rs m4,1762,393 174.5%   
Share capital Rs m1,604740 216.6%   
Free reserves Rs m84,21473,832 114.1%   
Net worth Rs m85,81874,572 115.1%   
Borrowings Rs m14,32046,881 30.5%   
Investments Rs m188,083143,326 131.2%   
Total assets Rs m901,794665,946 135.4%  
Debt/equity ratio x9.17.7 118.8%   
Return on assets %1.21.4 87.1%  
Return on equity %12.912.6 102.5%  
Capital adequacy ratio %18.622.3 83.1%  
Net NPAs %0.72.4 31.4%  
CASH FLOW
From Operations Rs m12,1721,004 1,212.4%  
From Investments Rs m-12,702-719 1,767.0%  
From Financial Activity Rs m-1,781-662 269.1%  
Net Cashflow Rs m-2,310-377 613.6%  

Share Holding

Indian Promoters % 2.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 50.8 59.0 86.1%  
FIIs % 15.6 26.6 58.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 97.8 100.0 97.8%  
Shareholders   232,052 216,019 107.4%  
Pledged promoter(s) holding % 7.3 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARUR VYSYA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Karur Vysya Bank vs City Union Bank

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

Here's a brief comparison:

Karur Vysya Bank vs City Union Bank Share Price Performance

Period Karur Vysya Bank City Union Bank S&P BSE BANKEX
1-Day -1.19% -0.62% -0.44%
1-Month -4.83% -7.40% -0.33%
1-Year 78.64% 0.31% 17.77%
3-Year CAGR 45.85% -9.14% 11.00%
5-Year CAGR 19.47% -7.90% 9.51%

* Compound Annual Growth Rate

Here are more details on the Karur Vysya Bank share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of Karur Vysya Bank hold a 2.2% stake in the company. In case of City Union 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 Karur Vysya Bank and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, Karur Vysya Bank paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 14.5%.

City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.

You may visit here to review the dividend history of Karur Vysya Bank, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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