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CITY UNION BANK vs INDUSIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    CITY UNION BANK INDUSIND BANK CITY UNION BANK/
INDUSIND BANK
 
P/E (TTM) x 10.2 14.0 73.2% View Chart
P/BV x 1.3 2.2 60.9% View Chart
Dividend Yield % 0.7 0.9 82.3%  

Financials

 CITY UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    CITY UNION BANK
Mar-23
INDUSIND BANK
Mar-23
CITY UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs2051,275 16.1%   
Low Rs118764 15.4%   
Income per share (Unadj.) Rs63.7468.7 13.6%  
Earnings per share (Unadj.) Rs12.795.9 13.2%  
Cash flow per share (Unadj.) Rs19.6184.3 10.6%  
Dividends per share (Unadj.) Rs1.0014.00 7.1%  
Avg Dividend yield %0.61.4 45.2%  
Book value per share (Unadj.) Rs100.7708.3 14.2%  
Shares outstanding (eoy) m740.42775.90 95.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.52.2 116.5%   
Avg P/E ratio x12.710.6 119.9%  
Avg P/CF ratio x6.65.5 119.7%  
Avg Price/Bookvalue ratio x1.61.4 111.3%  
Dividend payout %7.914.6 54.1%   
Avg Mkt Cap Rs m119,411791,025 15.1%   
No. of employees `000NANA-   
Total wages & salary Rs m5,30441,787 12.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m47,143363,679 13.0%  
Other income Rs m8,10481,728 9.9%   
Interest expense Rs m25,515187,758 13.6%   
Net interest income Rs m21,628175,921 12.3%  
Operating expense Rs m11,552113,459 10.2%   
Gross profit Rs m10,07662,463 16.1%  
Gross profit margin %21.417.2 124.4%  
Provisions/contingencies Rs m8,80569,759 12.6%   
Profit before tax Rs m11,77599,322 11.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m04 0.0%   
Tax Rs m2,40024,891 9.6%   
Profit after tax Rs m9,37574,435 12.6%  
Net profit margin %19.920.5 97.2%  
BALANCE SHEET DATA
Advances Rs m430,5332,899,237 14.8%   
Deposits Rs m523,9793,361,202 15.6%  
Credit/Deposit ratio x82.286.3 95.3%  
Yield on advances %8.810.3 85.5%   
Cost of deposits %4.44.7 93.3%   
Net Interest Margin %3.84.7 79.9%  
Net fixed assets Rs m2,39319,435 12.3%   
Share capital Rs m7407,759 9.5%   
Free reserves Rs m73,832541,844 13.6%   
Net worth Rs m74,572549,603 13.6%   
Borrowings Rs m46,881490,112 9.6%   
Investments Rs m143,326830,757 17.3%   
Total assets Rs m665,9464,578,366 14.5%  
Debt/equity ratio x7.77.0 109.2%   
Return on assets %1.41.6 86.6%  
Return on equity %12.613.5 92.8%  
Capital adequacy ratio %22.317.9 125.1%  
Net NPAs %2.40.6 400.0%  
CASH FLOW
From Operations Rs m1,004-124,423 -0.8%  
From Investments Rs m-719-5,602 12.8%  
From Financial Activity Rs m-66211,148 -5.9%  
Net Cashflow Rs m-377-118,079 0.3%  

Share Holding

Indian Promoters % 0.0 0.0 -  
Foreign collaborators % 0.0 16.5 -  
Indian inst/Mut Fund % 59.0 69.0 85.5%  
FIIs % 26.6 42.0 63.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 83.6 119.7%  
Shareholders   216,019 359,688 60.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CITY UNION BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on City Union Bank vs Indusind Bank

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

Here's a brief comparison:

City Union Bank vs Indusind Bank Share Price Performance

Period City Union Bank Indusind Bank S&P BSE BANKEX
1-Day -0.22% 1.47% 0.82%
1-Month 0.97% 7.35% 2.48%
1-Year 11.70% 50.16% 19.28%
3-Year CAGR -4.26% 17.33% 12.00%
5-Year CAGR -7.66% -3.09% 9.40%

* Compound Annual Growth Rate

Here are more details on the City Union Bank share price and the Indusind Bank share price.

Moving on to shareholding structures...

The promoters of City Union Bank hold a 0.0% stake in the company. In case of Indusind Bank the stake stands at 16.5%.

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

Finally, a word on dividends...

In the most recent financial year, City Union Bank paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 7.9%.

Indusind Bank paid Rs 14.0, and its dividend payout ratio stood at 14.6%.

You may visit here to review the dividend history of City Union Bank, and the dividend history of Indusind Bank.

For a sector overview, read our banking sector report.



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