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UNITED CRED. vs ALFRED HERB - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED CRED. ALFRED HERB UNITED CRED./
ALFRED HERB
 
P/E (TTM) x 8.9 94.3 9.5% View Chart
P/BV x 0.5 1.3 35.2% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED CRED.   ALFRED HERB
EQUITY SHARE DATA
    UNITED CRED.
Mar-23
ALFRED HERB
Mar-23
UNITED CRED./
ALFRED HERB
5-Yr Chart
Click to enlarge
High Rs28792 3.6%   
Low Rs10566 1.7%   
Income per share (Unadj.) Rs5.435.9 15.1%  
Earnings per share (Unadj.) Rs1.426.6 5.1%  
Cash flow per share (Unadj.) Rs5.4-30.9 -17.4%  
Dividends per share (Unadj.) Rs03.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs51.31,366.6 3.8%  
Shares outstanding (eoy) m5.330.77 692.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x3.519.0 18.4%   
Avg P/E ratio x13.925.6 54.5%  
Avg P/CF ratio x13.96.4 216.4%  
Avg Price/Bookvalue ratio x0.40.5 74.1%  
Dividend payout %013.2 0.0%   
Avg Mkt Cap Rs m101524 19.3%   
No. of employees `000NANA-   
Total wages & salary Rs m75 151.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m2928 104.8%  
Other income Rs m011 2.6%   
Interest expense Rs m00 23.3%   
Net interest income Rs m2927 105.6%  
Operating expense Rs m2017 115.4%   
Gross profit Rs m910 88.9%  
Gross profit margin %30.836.4 84.8%  
Provisions/contingencies Rs m061 0.0%   
Profit before tax Rs m920 43.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1-1 -193.2%   
Profit after tax Rs m721 35.3%  
Net profit margin %25.074.2 33.7%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %28.13.8 731.8%  
Net fixed assets Rs m210 21.7%   
Share capital Rs m558 712.5%   
Free reserves Rs m2191,045 20.9%   
Net worth Rs m2731,052 26.0%   
Borrowings Rs m00-   
Investments Rs m103712 14.4%   
Total assets Rs m2851,116 25.5%  
Debt/equity ratio x00 0.0%   
Return on assets %2.51.8 138.5%  
Return on equity %2.61.9 136.0%  
Capital adequacy ratio %00-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m35 63.8%  
From Investments Rs m-1-2 70.2%  
From Financial Activity Rs m1-4 -30.7%  
Net Cashflow Rs m3-1 -245.1%  

Share Holding

Indian Promoters % 57.3 40.3 142.1%  
Foreign collaborators % 0.0 33.5 -  
Indian inst/Mut Fund % 0.5 0.0 2,700.0%  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 42.7 26.1 163.3%  
Shareholders   2,460 2,003 122.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED CRED. With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on UNITED CRED. vs ALFRED HERB

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

Here's a brief comparison:

UNITED CRED. vs ALFRED HERB Share Price Performance

Period UNITED CRED. ALFRED HERB
1-Day 0.00% -0.15%
1-Month 17.66% 20.06%
1-Year 33.54% 147.63%
3-Year CAGR 29.12% 43.04%
5-Year CAGR 4.51% 22.38%

* Compound Annual Growth Rate

Here are more details on the UNITED CRED. share price and the ALFRED HERB share price.

Moving on to shareholding structures...

The promoters of UNITED CRED. hold a 57.3% stake in the company. In case of ALFRED HERB the stake stands at 73.9%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of UNITED CRED. and the shareholding pattern of ALFRED HERB.

Finally, a word on dividends...

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

ALFRED HERB paid Rs 3.5, and its dividend payout ratio stood at 13.2%.

You may visit here to review the dividend history of UNITED CRED., and the dividend history of ALFRED HERB.

For a sector overview, read our finance sector report.



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