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ANDHRA BANK vs UNITED BANK OF INDIA - Comparison Results

Rs 100 invested in...

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Current Valuations

    ANDHRA BANK UNITED BANK OF INDIA ANDHRA BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x -3.0 9.3 - View Chart
P/BV x 0.2 0.4 60.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ANDHRA BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    ANDHRA BANK
Mar-19
UNITED BANK OF INDIA
Mar-19
ANDHRA BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs4715 317.6%   
Low Rs239 250.8%   
Income per share (Unadj.) Rs66.611.5 577.7%  
Earnings per share (Unadj.) Rs-9.5-3.1 304.9%  
Cash flow per share (Unadj.) Rs-18.0-7.2 249.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs46.215.5 298.6%  
Shares outstanding (eoy) m2,884.497,427.92 38.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.51.0 50.6%   
Avg P/E ratio x-3.7-3.8 95.9%  
Avg P/CF ratio x2.06.3 31.5%  
Avg Price/Bookvalue ratio x0.80.8 97.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m100,52488,578 113.5%   
No. of employees `000NANA-   
Total wages & salary Rs m23,01519,545 117.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m192,02985,599 224.3%  
Other income Rs m30,88123,846 129.5%   
Interest expense Rs m122,24365,853 185.6%   
Net interest income Rs m69,78619,746 353.4%  
Operating expense Rs m50,05829,476 169.8%   
Gross profit Rs m19,728-9,730 -202.8%  
Gross profit margin %10.3-11.4 -90.4%  
Provisions/contingencies Rs m78,28037,275 210.0%   
Profit before tax Rs m-23,913-45,809 52.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m2510-   
Tax Rs m3,758-22,650 -16.6%   
Profit after tax Rs m-27,420-23,159 118.4%  
Net profit margin %-14.3-27.1 52.8%  
BALANCE SHEET DATA
Advances Rs m1,588,479669,551 237.2%   
Deposits Rs m2,198,5291,349,833 162.9%  
Credit/Deposit ratio x72.349.6 145.7%  
Yield on advances %8.97.6 118.1%   
Cost of deposits %5.24.7 111.4%   
Net Interest Margin %3.11.5 200.3%  
Net fixed assets Rs m15,64912,341 126.8%   
Share capital Rs m28,84574,279 38.8%   
Free reserves Rs m104,47240,710 256.6%   
Net worth Rs m133,317114,989 115.9%   
Borrowings Rs m103,14622,037 468.1%   
Investments Rs m669,148609,760 109.7%   
Total assets Rs m2,540,4401,515,299 167.7%  
Debt/equity ratio x17.311.9 144.7%   
Return on assets %-1.1-1.5 70.6%  
Return on equity %-20.6-20.1 102.1%  
Capital adequacy ratio %13.713.0 105.2%  
Net NPAs %5.78.7 66.1%  
CASH FLOW
From Operations Rs m29,181-150,737 -19.4%  
From Investments Rs m-837-732 114.3%  
From Financial Activity Rs m-37,51545,761 -82.0%  
Net Cashflow Rs m-9,099-105,708 8.6%  

Share Holding

Indian Promoters % 88.3 97.4 90.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.8 1.2 311.4%  
FIIs % 0.6 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 11.8 2.6 453.7%  
Shareholders   238,812 101,958 234.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ANDHRA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Andhra Bank vs United Bank of India

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

Here's a brief comparison:

Andhra Bank vs United Bank of India Share Price Performance

Period Andhra Bank United Bank of India S&P BSE BANKEX
1-Day -2.66% -0.44% 0.82%
1-Month -38.86% -42.19% 2.48%
1-Year -65.18% -59.60% 19.28%
3-Year CAGR -45.56% -43.77% 12.00%
5-Year CAGR -35.02% -31.10% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Andhra Bank hold a 88.3% stake in the company. In case of United Bank of India the stake stands at 97.4%.

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

Finally, a word on dividends...

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

United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

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

For a sector overview, read our banking sector report.



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