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SURYODAY SMALL FINANCE BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    SURYODAY SMALL FINANCE BANK CITY UNION BANK SURYODAY SMALL FINANCE BANK/
CITY UNION BANK
 
P/E (TTM) x 8.8 10.2 86.2% View Chart
P/BV x 1.1 1.3 80.9% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 SURYODAY SMALL FINANCE BANK   CITY UNION BANK
EQUITY SHARE DATA
    SURYODAY SMALL FINANCE BANK
Mar-23
CITY UNION BANK
Mar-23
SURYODAY SMALL FINANCE BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs158205 77.1%   
Low Rs77118 65.6%   
Income per share (Unadj.) Rs111.563.7 175.1%  
Earnings per share (Unadj.) Rs7.312.7 57.8%  
Cash flow per share (Unadj.) Rs32.719.6 167.0%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs148.5100.7 147.4%  
Shares outstanding (eoy) m106.16740.42 14.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.12.5 41.6%   
Avg P/E ratio x16.112.7 126.2%  
Avg P/CF ratio x3.76.6 56.3%  
Avg Price/Bookvalue ratio x0.81.6 49.5%  
Dividend payout %07.9 0.0%   
Avg Mkt Cap Rs m12,484119,411 10.5%   
No. of employees `000NANA-   
Total wages & salary Rs m2,4245,304 45.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,83747,143 25.1%  
Other income Rs m9748,104 12.0%   
Interest expense Rs m4,37125,515 17.1%   
Net interest income Rs m7,46621,628 34.5%  
Operating expense Rs m5,06511,552 43.8%   
Gross profit Rs m2,40010,076 23.8%  
Gross profit margin %20.321.4 94.9%  
Provisions/contingencies Rs m2,5988,805 29.5%   
Profit before tax Rs m1,00911,775 8.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2322,400 9.7%   
Profit after tax Rs m7779,375 8.3%  
Net profit margin %6.619.9 33.0%  
BALANCE SHEET DATA
Advances Rs m60,151430,533 14.0%   
Deposits Rs m51,667523,979 9.9%  
Credit/Deposit ratio x116.482.2 141.7%  
Yield on advances %17.08.8 193.0%   
Cost of deposits %5.34.4 122.2%   
Net Interest Margin %8.73.8 230.7%  
Net fixed assets Rs m1,6322,393 68.2%   
Share capital Rs m1,062740 143.4%   
Free reserves Rs m14,69873,832 19.9%   
Net worth Rs m15,75974,572 21.1%   
Borrowings Rs m27,65446,881 59.0%   
Investments Rs m25,702143,326 17.9%   
Total assets Rs m98,612665,946 14.8%  
Debt/equity ratio x5.07.7 65.7%   
Return on assets %0.81.4 56.0%  
Return on equity %4.912.6 39.2%  
Capital adequacy ratio %33.722.3 150.9%  
Net NPAs %1.62.4 65.7%  
CASH FLOW
From Operations Rs m-9771,004 -97.3%  
From Investments Rs m-2,657-719 369.6%  
From Financial Activity Rs m2,135-662 -322.6%  
Net Cashflow Rs m-1,499-377 398.2%  

Share Holding

Indian Promoters % 22.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 19.9 59.0 33.8%  
FIIs % 2.9 26.6 10.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 77.6 100.0 77.6%  
Shareholders   94,235 216,019 43.6%  
Pledged promoter(s) holding % 22.5 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SURYODAY SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on SURYODAY SMALL FINANCE 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:

SURYODAY SMALL FINANCE BANK vs City Union Bank Share Price Performance

Period SURYODAY SMALL FINANCE BANK City Union Bank S&P BSE BANKEX
1-Day -1.50% -0.22% 0.82%
1-Month -15.71% 0.97% 2.48%
1-Year 74.51% 11.70% 19.28%
3-Year CAGR -15.86% -4.26% 12.00%
5-Year CAGR -10.23% -7.66% 9.40%

* Compound Annual Growth Rate

Here are more details on the SURYODAY SMALL FINANCE BANK share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of SURYODAY SMALL FINANCE BANK hold a 22.4% 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 SURYODAY SMALL FINANCE BANK and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, SURYODAY SMALL FINANCE BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

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 SURYODAY SMALL FINANCE BANK, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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