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AU SMALL FINANCE BANK vs UCO BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    AU SMALL FINANCE BANK UCO BANK AU SMALL FINANCE BANK/
UCO BANK
 
P/E (TTM) x 23.8 36.5 65.2% View Chart
P/BV x 3.5 2.4 141.9% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 AU SMALL FINANCE BANK   UCO BANK
EQUITY SHARE DATA
    AU SMALL FINANCE BANK
Mar-23
UCO BANK
Mar-23
AU SMALL FINANCE BANK/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs73338 1,921.1%   
Low Rs53911 5,121.7%   
Income per share (Unadj.) Rs123.114.8 833.6%  
Earnings per share (Unadj.) Rs21.41.5 1,402.0%  
Cash flow per share (Unadj.) Rs70.74.9 1,432.1%  
Dividends per share (Unadj.) Rs1.000-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs164.021.4 765.7%  
Shares outstanding (eoy) m666.7511,955.96 5.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x5.21.6 313.4%   
Avg P/E ratio x29.715.9 186.4%  
Avg P/CF ratio x21.06.8 310.6%  
Avg Price/Bookvalue ratio x3.91.1 341.2%  
Dividend payout %4.70-   
Avg Mkt Cap Rs m423,950290,948 145.7%   
No. of employees `000NANA-   
Total wages & salary Rs m17,93038,727 46.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m82,054176,505 46.5%  
Other income Rs m10,34525,085 41.2%   
Interest expense Rs m37,801103,074 36.7%   
Net interest income Rs m44,25373,431 60.3%  
Operating expense Rs m34,40355,109 62.4%   
Gross profit Rs m9,85018,322 53.8%  
Gross profit margin %12.010.4 115.6%  
Provisions/contingencies Rs m5,91624,783 23.9%   
Profit before tax Rs m18,64629,051 64.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0-361 -0.0%   
Tax Rs m4,36710,428 41.9%   
Profit after tax Rs m14,27918,263 78.2%  
Net profit margin %17.410.3 168.2%  
BALANCE SHEET DATA
Advances Rs m584,2151,558,702 37.5%   
Deposits Rs m693,6502,493,377 27.8%  
Credit/Deposit ratio x84.262.5 134.7%  
Yield on advances %11.76.6 176.6%   
Cost of deposits %4.83.8 127.5%   
Net Interest Margin %5.62.9 192.6%  
Net fixed assets Rs m7,07334,445 20.5%   
Share capital Rs m6,667119,560 5.6%   
Free reserves Rs m102,666136,477 75.2%   
Net worth Rs m109,333256,037 42.7%   
Borrowings Rs m62,987205,011 30.7%   
Investments Rs m200,720950,085 21.1%   
Total assets Rs m902,1613,007,022 30.0%  
Debt/equity ratio x6.910.5 65.7%   
Return on assets %1.60.6 260.6%  
Return on equity %13.17.1 183.1%  
Capital adequacy ratio %23.616.5 142.9%  
Net NPAs %0.41.3 32.6%  
CASH FLOW
From Operations Rs m54,93629,829 184.2%  
From Investments Rs m-43,195-2,673 1,615.8%  
From Financial Activity Rs m23,225-3,358 -691.7%  
Net Cashflow Rs m34,96725,801 135.5%  

Share Holding

Indian Promoters % 25.5 95.4 26.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.9 1.3 4,621.6%  
FIIs % 41.1 0.0 411,000.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 74.5 4.6 1,616.9%  
Shareholders   155,660 610,166 25.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare AU SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on AU SMALL FINANCE BANK vs UCO Bank

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

Here's a brief comparison:

AU SMALL FINANCE BANK vs UCO Bank Share Price Performance

Period AU SMALL FINANCE BANK UCO Bank S&P BSE BANKEX
1-Day 0.75% 5.35% 0.82%
1-Month -0.91% -5.21% 2.48%
1-Year 0.37% 131.68% 19.28%
3-Year CAGR -4.38% 68.32% 12.00%
5-Year CAGR 14.08% 22.35% 9.40%

* Compound Annual Growth Rate

Here are more details on the AU SMALL FINANCE BANK share price and the UCO Bank share price.

Moving on to shareholding structures...

The promoters of AU SMALL FINANCE BANK hold a 25.5% stake in the company. In case of UCO Bank the stake stands at 95.4%.

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

Finally, a word on dividends...

In the most recent financial year, AU SMALL FINANCE BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 4.7%.

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

You may visit here to review the dividend history of AU SMALL FINANCE BANK, and the dividend history of UCO Bank.

For a sector overview, read our banking sector report.



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