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- CITY UNION BANK - HDFC BANK
CITY UNION BANK vs HDFC BANK - Comparison Results
CITY UNION BANK Change
Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More
HDFC BANK 
HDFC Bank remains the Gold standard when it comes to its solid execution capabilities and pristine loan book. Headquartered in Mumbai, HDFC Bank is a new generation private sector bank providing a wide range of banking services covering commercial an... More
Current Valuations
| CITY UNION BANK | HDFC BANK | CITY UNION BANK/ HDFC BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 24.5 | 25.1 | 97.3% | View Chart |
| P/BV | x | 2.0 | 4.3 | 45.9% | View Chart |
| Dividend Yield | % | 0.3 | 0.2 | 173.2% |
Financials
 CITY UNION BANK  HDFC BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| CITY UNION BANK Mar-19 |
HDFC BANK Mar-20 |
CITY UNION BANK/ HDFC BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 207 | 1,304 | 15.9% | |
| Low | Rs | 157 | 739 | 21.2% | |
| Income per share (Unadj.) | Rs | 51.3 | 222.8 | 23.0% | |
| Earnings per share (Unadj.) | Rs | 9.3 | 49.7 | 18.7% | |
| Cash flow per share (Unadj.) | Rs | 20.4 | 102.8 | 19.8% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 2.50 | 20.0% | |
| Avg Dividend yield | % | 0.3 | 0.2 | 112.2% | |
| Book value per share (Unadj.) | Rs | 65.9 | 321.6 | 20.5% | |
| Shares outstanding (eoy) | m | 734.50 | 5,483.29 | 13.4% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 3.6 | 4.6 | 77.5% | |
| Avg P/E ratio | x | 19.6 | 20.6 | 95.3% | |
| Avg P/CF ratio | x | 13.4 | 13.5 | 99.3% | |
| Avg Price/Bookvalue ratio | x | 2.8 | 3.2 | 87.0% | |
| Dividend payout | % | 5.4 | 5.0 | 106.9% | |
| Avg Mkt Cap | Rs m | 133,752 | 5,601,181 | 2.4% | |
| No. of employees | `000 | 5.5 | 117.0 | 4.7% | |
| Total wages & salary | Rs m | 3,644 | 129,201 | 2.8% | |
| Avg. income/employee | Rs Th | 6,827.1 | 10,446.1 | 65.4% | |
| Avg. wages/employee | Rs Th | 660.5 | 1,104.6 | 59.8% | |
| Avg. net profit/employee | Rs Th | 1,237.5 | 2,330.0 | 53.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 37,672 | 1,221,893 | 3.1% | |
| Other income | Rs m | 5,144 | 248,790 | 2.1% | |
| Interest expense | Rs m | 21,557 | 621,374 | 3.5% | |
| Net interest income | Rs m | 16,115 | 600,519 | 2.7% | |
| Operating expense | Rs m | 8,859 | 330,361 | 2.7% | |
| Gross profit | Rs m | 7,256 | 270,158 | 2.7% | |
| Gross profit margin | % | 19.3 | 22.1 | 87.1% | |
| Provisions/contingencies | Rs m | 3,151 | 142,487 | 2.2% | |
| Profit before tax | Rs m | 9,249 | 375,615 | 2.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 423 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 2,420 | 103,498 | 2.3% | |
| Profit after tax | Rs m | 6,829 | 272,540 | 2.5% | |
| Net profit margin | % | 18.1 | 22.3 | 81.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 326,733 | 10,436,709 | 3.1% | |
| Deposits | Rs m | 384,480 | 11,462,071 | 3.4% | |
| Credit/Deposit ratio | x | 85.0 | 91.1 | 93.3% | |
| Yield on advances | % | 9.7 | 9.5 | 102.4% | |
| Cost of deposits | % | 5.5 | 4.4 | 123.7% | |
| Net Interest Margin | % | 3.7 | 3.9 | 94.2% | |
| Net fixed assets | Rs m | 2,500 | 46,269 | 5.4% | |
| Share capital | Rs m | 735 | 5,483 | 13.4% | |
| Free reserves | Rs m | 47,673 | 1,758,104 | 2.7% | |
| Net worth | Rs m | 48,408 | 1,763,587 | 2.7% | |
| Borrowings | Rs m | 4,809 | 1,868,343 | 0.3% | |
| Investments | Rs m | 77,122 | 3,893,050 | 2.0% | |
| Total assets | Rs m | 452,589 | 15,808,304 | 2.9% | |
| Debt/equity ratio | x | 8.0 | 7.6 | 106.4% | |
| Return on assets | % | 1.5 | 1.7 | 87.5% | |
| Return on equity | % | 14.1 | 15.5 | 91.3% | |
| Capital adequacy ratio | % | 15.6 | 18.5 | 84.1% | |
| Net NPAs | % | 1.8 | 0.4 | 502.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 3,969 | -168,691 | -2.4% | |
| From Investments | Rs m | -867 | -16,169 | 5.4% | |
| From Financial Activity | Rs m | 166 | 243,945 | 0.1% | |
| Net Cashflow | Rs m | 3,269 | 61,225 | 5.3% | |
Share Holding
| Indian Promoters | % | 0.0 | 22.6 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 10.2 | 9.9 | 103.0% | |
| FIIs | % | 33.4 | 34.1 | 97.9% | |
| ADR/GDR | % | 0.0 | 17.0 | - | |
| Free float | % | 56.0 | 16.4 | 341.5% | |
| Shareholders | 82,699 | 415,166 | 19.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare CITY UNION BANK With: DHANLAXMI BANK BANK OF INDIA KOTAK MAHINDRA BANK SYNDICATE BANK ICICI BANK
Compare CITY UNION BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
Today's Market
Sensex Slumps 1,400 Points, Nifty Cracks Below 14,400; IndusInd Bank & SBI Fall 8%(09:30 am)
Asian stock markets are trading on a cautious note today as investors wait to see if US earnings can justify sky-high valuations.
Related Views on News
CITY UNION BANK Announces Quarterly Results (3QFY21); Net Profit Down 11.7% (Quarterly Result Update)
Feb 5, 2021 | Updated on Feb 5, 2021For the quarter ended December 2020, CITY UNION BANK has posted a net profit of Rs 2 bn (down 11.7% YoY). Sales on the other hand came in at Rs 10 bn (down 1.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.
HDFC BANK Announces Quarterly Results (3QFY21); Net Profit Up 18.1% (Quarterly Result Update)
Jan 18, 2021 | Updated on Jan 18, 2021For the quarter ended December 2020, HDFC BANK has posted a net profit of Rs 88 bn (up 18.1% YoY). Sales on the other hand came in at Rs 301 bn (up 2.4% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.
CITY UNION BANK Announces Quarterly Results (2QFY21); Net Profit Down 18.5% (Quarterly Result Update)
Nov 6, 2020 | Updated on Nov 6, 2020For the quarter ended September 2020, CITY UNION BANK has posted a net profit of Rs 2 bn (down 18.5% YoY). Sales on the other hand came in at Rs 11 bn (up 2.3% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.
HDFC BANK Announces Quarterly Results (2QFY21); Net Profit Up 18.4% (Quarterly Result Update)
Oct 19, 2020 | Updated on Oct 19, 2020For the quarter ended September 2020, HDFC BANK has posted a net profit of Rs 75 bn (up 18.4% YoY). Sales on the other hand came in at Rs 300 bn (up 6.4% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.
CITY UNION BANK Announces Quarterly Results (1QFY21); Net Profit Down 17.0% (Quarterly Result Update)
Sep 14, 2020 | Updated on Sep 14, 2020For the quarter ended June 2020, CITY UNION BANK has posted a net profit of Rs 2 bn (down 17.0% YoY). Sales on the other hand came in at Rs 10 bn (up 2.0% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.
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