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UNITED BANK OF INDIA vs SYNDICATE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA SYNDICATE BANK UNITED BANK OF INDIA/
SYNDICATE BANK
 
P/E (TTM) x 9.3 -24.4 - View Chart
P/BV x 0.4 0.2 158.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   SYNDICATE BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
SYNDICATE BANK
Mar-19
UNITED BANK OF INDIA/
SYNDICATE BANK
5-Yr Chart
Click to enlarge
High Rs1562 23.9%   
Low Rs930 30.6%   
Income per share (Unadj.) Rs11.587.3 13.2%  
Earnings per share (Unadj.) Rs-3.1-10.1 30.7%  
Cash flow per share (Unadj.) Rs-7.2-9.6 75.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.573.5 21.1%  
Shares outstanding (eoy) m7,427.922,487.91 298.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.5 197.4%   
Avg P/E ratio x-3.8-4.5 84.8%  
Avg P/CF ratio x6.33.9 158.9%  
Avg Price/Bookvalue ratio x0.80.6 123.6%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,578113,884 77.8%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54540,712 48.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599217,254 39.4%  
Other income Rs m23,84622,238 107.2%   
Interest expense Rs m65,853150,756 43.7%   
Net interest income Rs m19,74666,498 29.7%  
Operating expense Rs m29,47660,536 48.7%   
Gross profit Rs m-9,7305,962 -163.2%  
Gross profit margin %-11.42.7 -414.2%  
Provisions/contingencies Rs m37,27554,077 68.9%   
Profit before tax Rs m-45,809-31,023 147.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0635 0.0%   
Tax Rs m-22,650-5,146 440.1%   
Profit after tax Rs m-23,159-25,242 91.7%  
Net profit margin %-27.1-11.6 232.9%  
BALANCE SHEET DATA
Advances Rs m669,5512,050,444 32.7%   
Deposits Rs m1,349,8332,598,831 51.9%  
Credit/Deposit ratio x49.678.9 62.9%  
Yield on advances %7.67.6 99.7%   
Cost of deposits %4.75.2 90.4%   
Net Interest Margin %1.52.4 65.6%  
Net fixed assets Rs m12,34125,630 48.2%   
Share capital Rs m74,27924,879 298.6%   
Free reserves Rs m40,710157,879 25.8%   
Net worth Rs m114,989182,758 62.9%   
Borrowings Rs m22,037256,045 8.6%   
Investments Rs m609,760777,634 78.4%   
Total assets Rs m1,515,2993,129,709 48.4%  
Debt/equity ratio x11.915.6 76.4%   
Return on assets %-1.5-0.8 189.5%  
Return on equity %-20.1-13.8 145.8%  
Capital adequacy ratio %13.014.2 91.4%  
Net NPAs %8.76.2 140.7%  
CASH FLOW
From Operations Rs m-150,737-72,345 208.4%  
From Investments Rs m-732-1,419 51.6%  
From Financial Activity Rs m45,76130,169 151.7%  
Net Cashflow Rs m-105,708-43,595 242.5%  

Share Holding

Indian Promoters % 97.4 78.5 124.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 10.0 12.3%  
FIIs % 0.0 1.9 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 21.5 12.0%  
Shareholders   101,958 285,306 35.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on United Bank of India vs Syndicate Bank

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

Here's a brief comparison:

United Bank of India vs Syndicate Bank Share Price Performance

Period United Bank of India Syndicate Bank S&P BSE BANKEX
1-Day -0.44% 3.77% -0.32%
1-Month -42.19% -31.91% -0.21%
1-Year -59.60% -62.03% 17.91%
3-Year CAGR -43.77% -39.72% 11.05%
5-Year CAGR -31.10% -32.54% 9.53%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Syndicate Bank share price.

Moving on to shareholding structures...

The promoters of United Bank of India hold a 97.4% stake in the company. In case of Syndicate Bank the stake stands at 78.5%.

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

Finally, a word on dividends...

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

Syndicate Bank paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of United Bank of India, and the dividend history of Syndicate Bank.

For a sector overview, read our banking sector report.



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