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CENTRAL BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CENTRAL BANK UJJIVAN SMALL FINANCE BANK CENTRAL BANK/
UJJIVAN SMALL FINANCE BANK
 
P/E (TTM) x 22.2 6.9 322.4% View Chart
P/BV x 1.8 2.1 85.1% View Chart
Dividend Yield % 0.0 2.8 -  

Financials

 CENTRAL BANK   UJJIVAN SMALL FINANCE BANK
EQUITY SHARE DATA
    CENTRAL BANK
Mar-23
UJJIVAN SMALL FINANCE BANK
Mar-23
CENTRAL BANK/
UJJIVAN SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs4234 124.8%   
Low Rs1614 119.3%   
Income per share (Unadj.) Rs29.621.3 138.7%  
Earnings per share (Unadj.) Rs1.95.6 34.4%  
Cash flow per share (Unadj.) Rs7.314.8 49.5%  
Dividends per share (Unadj.) Rs01.25 0.0%  
Avg Dividend yield %05.3 0.0%  
Book value per share (Unadj.) Rs33.721.3 158.2%  
Shares outstanding (eoy) m8,680.941,954.71 444.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.01.1 88.8%   
Avg P/E ratio x15.04.2 358.5%  
Avg P/CF ratio x3.63.1 116.1%  
Avg Price/Bookvalue ratio x0.91.1 77.9%  
Dividend payout %022.2 0.0%   
Avg Mkt Cap Rs m251,31345,936 547.1%   
No. of employees `000NANA-   
Total wages & salary Rs m56,1579,203 610.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m256,57141,650 616.0%  
Other income Rs m40,8455,892 693.2%   
Interest expense Rs m139,05114,671 947.8%   
Net interest income Rs m117,52026,979 435.6%  
Operating expense Rs m89,10018,021 494.4%   
Gross profit Rs m28,4208,958 317.2%  
Gross profit margin %11.121.5 51.5%  
Provisions/contingencies Rs m53,1723,851 1,380.7%   
Profit before tax Rs m26,72514,672 182.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-960-   
Prior Period Items Rs m7910-   
Tax Rs m10,6313,673 289.4%   
Profit after tax Rs m16,78810,999 152.6%  
Net profit margin %6.526.4 24.8%  
BALANCE SHEET DATA
Advances Rs m2,038,933212,897 957.7%   
Deposits Rs m3,597,751255,377 1,408.8%  
Credit/Deposit ratio x56.783.4 68.0%  
Yield on advances %7.417.4 42.3%   
Cost of deposits %3.75.2 72.5%   
Net Interest Margin %3.59.1 38.1%  
Net fixed assets Rs m47,8562,653 1,803.8%   
Share capital Rs m86,80921,547 402.9%   
Free reserves Rs m205,35820,032 1,025.2%   
Net worth Rs m292,16741,579 702.7%   
Borrowings Rs m83,33926,415 315.5%   
Investments Rs m1,365,69485,103 1,604.8%   
Total assets Rs m4,070,797333,169 1,221.8%  
Debt/equity ratio x12.66.8 185.9%   
Return on assets %0.43.3 12.5%  
Return on equity %5.726.5 21.7%  
Capital adequacy ratio %14.125.8 54.7%  
Net NPAs %1.80 4,425.0%  
CASH FLOW
From Operations Rs m-87,86310,598 -829.1%  
From Investments Rs m-2,087-20,957 10.0%  
From Financial Activity Rs mNA11,864 0.0%  
Net Cashflow Rs m-89,9501,505 -5,976.6%  

Share Holding

Indian Promoters % 93.1 73.6 126.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 2.9 7.7 37.3%  
FIIs % 0.1 3.7 1.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.9 26.4 26.2%  
Shareholders   529,591 598,080 88.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Central Bank vs UJJIVAN SMALL FINANCE BANK

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

Here's a brief comparison:

Central Bank vs UJJIVAN SMALL FINANCE BANK Share Price Performance

Period Central Bank UJJIVAN SMALL FINANCE BANK S&P BSE BANKEX
1-Day 4.35% 0.25% 0.82%
1-Month -2.08% -13.47% 2.48%
1-Year 164.16% 75.21% 19.28%
3-Year CAGR 54.37% 13.63% 12.00%
5-Year CAGR 11.49% -4.54% 9.40%

* Compound Annual Growth Rate

Here are more details on the Central Bank share price and the UJJIVAN SMALL FINANCE BANK share price.

Moving on to shareholding structures...

The promoters of Central Bank hold a 93.1% stake in the company. In case of UJJIVAN SMALL FINANCE BANK the stake stands at 73.6%.

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

Finally, a word on dividends...

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

UJJIVAN SMALL FINANCE BANK paid Rs 1.3, and its dividend payout ratio stood at 22.2%.

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

For a sector overview, read our banking sector report.



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