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UCO BANK vs SBI - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK SBI UCO BANK/
SBI
 
P/E (TTM) x 36.5 10.4 352.1% View Chart
P/BV x 2.4 1.9 130.3% View Chart
Dividend Yield % 0.0 1.5 -  

Financials

 UCO BANK   SBI
EQUITY SHARE DATA
    UCO BANK
Mar-23
SBI
Mar-23
UCO BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs38630 6.1%   
Low Rs11431 2.4%   
Income per share (Unadj.) Rs14.8393.1 3.8%  
Earnings per share (Unadj.) Rs1.562.4 2.4%  
Cash flow per share (Unadj.) Rs4.9254.7 1.9%  
Dividends per share (Unadj.) Rs011.30 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs21.4402.2 5.3%  
Shares outstanding (eoy) m11,955.968,924.61 134.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.61.3 122.2%   
Avg P/E ratio x15.98.5 187.3%  
Avg P/CF ratio x6.85.1 132.4%  
Avg Price/Bookvalue ratio x1.11.3 86.2%  
Dividend payout %018.1 0.0%   
Avg Mkt Cap Rs m290,9484,732,052 6.1%   
No. of employees `000NANA-   
Total wages & salary Rs m38,727619,209 6.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m176,5053,508,446 5.0%  
Other income Rs m25,0851,225,336 2.0%   
Interest expense Rs m103,0741,899,808 5.4%   
Net interest income Rs m73,4311,608,638 4.6%  
Operating expense Rs m55,1091,898,145 2.9%   
Gross profit Rs m18,322-289,507 -6.3%  
Gross profit margin %10.4-8.3 -125.8%  
Provisions/contingencies Rs m24,783370,244 6.7%   
Profit before tax Rs m29,051753,983 3.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-21,017 -0.0%   
Prior Period Items Rs m-36111,915 -3.0%   
Tax Rs m10,428188,399 5.5%   
Profit after tax Rs m18,263556,482 3.3%  
Net profit margin %10.315.9 65.2%  
BALANCE SHEET DATA
Advances Rs m1,558,70232,679,021 4.8%   
Deposits Rs m2,493,37744,685,355 5.6%  
Credit/Deposit ratio x62.573.1 85.5%  
Yield on advances %6.67.0 94.8%   
Cost of deposits %3.83.7 103.2%   
Net Interest Margin %2.93.1 94.3%  
Net fixed assets Rs m34,445440,238 7.8%   
Share capital Rs m119,5608,925 1,339.7%   
Free reserves Rs m136,4773,580,389 3.8%   
Net worth Rs m256,0373,589,313 7.1%   
Borrowings Rs m205,0115,211,520 3.9%   
Investments Rs m950,08519,131,079 5.0%   
Total assets Rs m3,007,02259,544,183 5.1%  
Debt/equity ratio x10.513.9 75.8%   
Return on assets %0.60.9 65.0%  
Return on equity %7.115.5 46.0%  
Capital adequacy ratio %16.514.7 112.5%  
Net NPAs %1.30.7 192.5%  
CASH FLOW
From Operations Rs m29,829-860,137 -3.5%  
From Investments Rs m-2,673-40,410 6.6%  
From Financial Activity Rs m-3,35863,864 -5.3%  
Net Cashflow Rs m25,801-805,932 -3.2%  

Share Holding

Indian Promoters % 95.4 57.5 165.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 35.1 3.8%  
FIIs % 0.0 10.9 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 42.5 10.8%  
Shareholders   610,166 3,047,685 20.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UCO BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    KOTAK MAHINDRA BANK    PNB    


More on UCO Bank vs SBI

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

Here's a brief comparison:

UCO Bank vs SBI Share Price Performance

Period UCO Bank SBI S&P BSE BANKEX
1-Day 5.35% 2.53% 0.82%
1-Month -5.21% 1.38% 2.48%
1-Year 131.68% 48.12% 19.28%
3-Year CAGR 68.32% 27.74% 12.00%
5-Year CAGR 22.35% 18.77% 9.40%

* Compound Annual Growth Rate

Here are more details on the UCO Bank share price and the SBI share price.

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of SBI the stake stands at 57.5%.

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

Finally, a word on dividends...

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

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

You may visit here to review the dividend history of UCO Bank, and the dividend history of SBI.

For a sector overview, read our banking sector report.



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