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EQUITAS SMALL FINANCE BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    EQUITAS SMALL FINANCE BANK UJJIVAN SMALL FINANCE BANK EQUITAS SMALL FINANCE BANK/
UJJIVAN SMALL FINANCE BANK
 
P/E (TTM) x 13.4 6.9 195.1% View Chart
P/BV x 2.0 2.1 97.5% View Chart
Dividend Yield % 1.1 2.8 38.4%  

Financials

 EQUITAS SMALL FINANCE BANK   UJJIVAN SMALL FINANCE BANK
EQUITY SHARE DATA
    EQUITAS SMALL FINANCE BANK
Mar-23
UJJIVAN SMALL FINANCE BANK
Mar-23
EQUITAS SMALL FINANCE BANK/
UJJIVAN SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs7834 232.4%   
Low Rs3814 277.8%   
Income per share (Unadj.) Rs37.521.3 175.9%  
Earnings per share (Unadj.) Rs5.25.6 91.8%  
Cash flow per share (Unadj.) Rs19.914.8 134.5%  
Dividends per share (Unadj.) Rs1.001.25 80.0%  
Avg Dividend yield %1.75.3 32.6%  
Book value per share (Unadj.) Rs46.421.3 218.1%  
Shares outstanding (eoy) m1,110.561,954.71 56.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.51.1 139.6%   
Avg P/E ratio x11.24.2 267.4%  
Avg P/CF ratio x5.43.1 176.1%  
Avg Price/Bookvalue ratio x1.21.1 112.5%  
Dividend payout %19.422.2 87.2%   
Avg Mkt Cap Rs m64,06345,936 139.5%   
No. of employees `000NANA-   
Total wages & salary Rs m10,9679,203 119.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,61941,650 99.9%  
Other income Rs m6,6965,892 113.6%   
Interest expense Rs m16,17214,671 110.2%   
Net interest income Rs m25,44726,979 94.3%  
Operating expense Rs m20,38318,021 113.1%   
Gross profit Rs m5,0648,958 56.5%  
Gross profit margin %12.221.5 56.6%  
Provisions/contingencies Rs m6,0243,851 156.4%   
Profit before tax Rs m7,68814,672 52.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9523,673 53.1%   
Profit after tax Rs m5,73610,999 52.1%  
Net profit margin %13.826.4 52.2%  
BALANCE SHEET DATA
Advances Rs m257,986212,897 121.2%   
Deposits Rs m253,806255,377 99.4%  
Credit/Deposit ratio x101.683.4 121.9%  
Yield on advances %14.617.4 83.8%   
Cost of deposits %5.45.2 103.9%   
Net Interest Margin %7.89.1 86.6%  
Net fixed assets Rs m3,3772,653 127.3%   
Share capital Rs m11,10621,547 51.5%   
Free reserves Rs m40,41720,032 201.8%   
Net worth Rs m51,52341,579 123.9%   
Borrowings Rs m29,73826,415 112.6%   
Investments Rs m66,64685,103 78.3%   
Total assets Rs m349,581333,169 104.9%  
Debt/equity ratio x5.56.8 81.2%   
Return on assets %1.63.3 49.7%  
Return on equity %11.126.5 42.1%  
Capital adequacy ratio %23.825.8 92.2%  
Net NPAs %1.20 3,025.0%  
CASH FLOW
From Operations Rs m-9,97710,598 -94.1%  
From Investments Rs m-2,613-20,957 12.5%  
From Financial Activity Rs m60111,864 5.1%  
Net Cashflow Rs m-8,8831,505 -590.2%  

Share Holding

Indian Promoters % 0.0 73.6 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 65.3 7.7 848.5%  
FIIs % 19.6 3.7 530.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 26.4 378.8%  
Shareholders   361,709 598,080 60.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on EQUITAS SMALL FINANCE 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:

EQUITAS SMALL FINANCE BANK vs UJJIVAN SMALL FINANCE BANK Share Price Performance

Period EQUITAS SMALL FINANCE BANK UJJIVAN SMALL FINANCE BANK S&P BSE BANKEX
1-Day -0.48% 0.25% 0.82%
1-Month -7.22% -13.47% 2.48%
1-Year 43.69% 75.21% 19.28%
3-Year CAGR 15.45% 13.63% 12.00%
5-Year CAGR 23.06% -4.54% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of EQUITAS SMALL FINANCE BANK hold a 0.0% 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 EQUITAS SMALL FINANCE BANK and the shareholding pattern of UJJIVAN SMALL FINANCE BANK.

Finally, a word on dividends...

In the most recent financial year, EQUITAS SMALL FINANCE BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 19.4%.

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 EQUITAS SMALL FINANCE BANK, and the dividend history of UJJIVAN SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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