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BANDHAN BANK vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    BANDHAN BANK UNION BANK BANDHAN BANK/
UNION BANK
 
P/E (TTM) x 9.7 8.9 109.6% View Chart
P/BV x 1.5 1.5 99.7% View Chart
Dividend Yield % 0.8 2.0 42.6%  

Financials

 BANDHAN BANK   UNION BANK
EQUITY SHARE DATA
    BANDHAN BANK
Mar-23
UNION BANK
Mar-23
BANDHAN BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs35096 362.6%   
Low Rs18234 543.1%   
Income per share (Unadj.) Rs98.7118.8 83.1%  
Earnings per share (Unadj.) Rs13.612.5 109.4%  
Cash flow per share (Unadj.) Rs16.327.2 60.1%  
Dividends per share (Unadj.) Rs1.503.00 50.0%  
Avg Dividend yield %0.64.6 12.2%  
Book value per share (Unadj.) Rs121.5115.3 105.4%  
Shares outstanding (eoy) m1,610.846,834.75 23.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.70.5 492.1%   
Avg P/E ratio x19.55.2 374.0%  
Avg P/CF ratio x6.01.7 348.7%  
Avg Price/Bookvalue ratio x2.20.6 388.3%  
Dividend payout %11.024.1 45.7%   
Avg Mkt Cap Rs m428,241444,088 96.4%   
No. of employees `000NANA-   
Total wages & salary Rs m27,151125,240 21.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m159,047811,632 19.6%  
Other income Rs m24,686159,154 15.5%   
Interest expense Rs m66,451480,328 13.8%   
Net interest income Rs m92,596331,303 27.9%  
Operating expense Rs m46,368234,873 19.7%   
Gross profit Rs m46,22896,430 47.9%  
Gross profit margin %29.111.9 244.6%  
Provisions/contingencies Rs m48,967171,280 28.6%   
Profit before tax Rs m28,930121,465 23.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0813 0.0%   
Tax Rs m6,98337,162 18.8%   
Profit after tax Rs m21,94685,117 25.8%  
Net profit margin %13.810.5 131.6%  
BALANCE SHEET DATA
Advances Rs m1,047,5687,642,767 13.7%   
Deposits Rs m1,080,69311,203,219 9.6%  
Credit/Deposit ratio x96.968.2 142.1%  
Yield on advances %13.17.4 176.7%   
Cost of deposits %5.04.0 127.4%   
Net Interest Margin %6.83.0 225.8%  
Net fixed assets Rs m5,08988,258 5.8%   
Share capital Rs m16,10869,388 23.2%   
Free reserves Rs m179,614718,648 25.0%   
Net worth Rs m195,722788,035 24.8%   
Borrowings Rs m247,108427,366 57.8%   
Investments Rs m323,6593,437,270 9.4%   
Total assets Rs m1,557,70012,883,571 12.1%  
Debt/equity ratio x6.814.8 46.0%   
Return on assets %1.40.7 213.3%  
Return on equity %11.210.8 103.8%  
Capital adequacy ratio %19.816.0 123.2%  
Net NPAs %1.21.7 68.8%  
CASH FLOW
From Operations Rs m-42,44661,114 -69.5%  
From Investments Rs m-16,179-25,611 63.2%  
From Financial Activity Rs m47,913-106,541 -45.0%  
Net Cashflow Rs m-10,713-71,038 15.1%  

Share Holding

Indian Promoters % 40.0 77.0 51.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 49.6 16.3 305.1%  
FIIs % 34.8 4.0 875.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 60.0 23.0 260.8%  
Shareholders   550,138 874,309 62.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare BANDHAN BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on BANDHAN BANK vs Union Bank

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

Here's a brief comparison:

BANDHAN BANK vs Union Bank Share Price Performance

Period BANDHAN BANK Union Bank S&P BSE BANKEX
1-Day -0.39% 1.42% 0.82%
1-Month -8.39% 9.02% 2.48%
1-Year -3.95% 149.11% 19.28%
3-Year CAGR -18.79% 65.10% 12.00%
5-Year CAGR -19.15% 9.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the BANDHAN BANK share price and the Union Bank share price.

Moving on to shareholding structures...

The promoters of BANDHAN BANK hold a 40.0% stake in the company. In case of Union Bank the stake stands at 77.0%.

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

Finally, a word on dividends...

In the most recent financial year, BANDHAN BANK paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 11.0%.

Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.

You may visit here to review the dividend history of BANDHAN BANK, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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