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HDFC BANK vs CITY UNION BANK - Comparison Results

HDFC BANK     Change

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

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

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Current Valuations

    HDFC BANK CITY UNION BANK HDFC BANK/
CITY UNION BANK
 
P/E (TTM) x 22.7 19.9 114.3% View Chart
P/BV x 3.7 1.8 201.2% View Chart
Dividend Yield % 0.2 0.3 62.6%  

Financials

 HDFC BANK   CITY UNION BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-20
CITY UNION BANK
Mar-19
HDFC BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,304207 629.4%   
Low Rs739157 470.6%   
Income per share (Unadj.) Rs222.851.3 434.5%  
Earnings per share (Unadj.) Rs49.79.3 534.6%  
Cash flow per share (Unadj.) Rs102.820.4 505.1%  
Dividends per share (Unadj.) Rs2.500.50 500.0%  
Avg Dividend yield %0.20.3 89.1%  
Book value per share (Unadj.) Rs321.665.9 488.0%  
Shares outstanding (eoy) m5,483.29734.50 746.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x4.63.6 129.1%   
Avg P/E ratio x20.619.6 104.9%  
Avg P/CF ratio x13.513.4 100.7%  
Avg Price/Bookvalue ratio x3.22.8 114.9%  
Dividend payout %5.05.4 93.5%   
Avg Mkt Cap Rs m5,601,181133,752 4,187.7%   
No. of employees `000117.05.5 2,119.8%   
Total wages & salary Rs m129,2013,644 3,545.2%   
Avg. income/employee Rs Th10,446.16,827.1 153.0%   
Avg. wages/employee Rs Th1,104.6660.5 167.2%   
Avg. net profit/employee Rs Th2,330.01,237.5 188.3%   
INCOME DATA
Interest income Rs m1,221,89337,672 3,243.5%  
Other income Rs m248,7905,144 4,836.6%   
Interest expense Rs m621,37421,557 2,882.5%   
Net interest income Rs m600,51916,115 3,726.5%  
Operating expense Rs m330,3618,859 3,729.1%   
Gross profit Rs m270,1587,256 3,723.2%  
Gross profit margin %22.119.3 114.8%  
Provisions/contingencies Rs m142,4873,151 4,521.4%   
Profit before tax Rs m375,6159,249 4,061.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m4230-   
Prior Period Items Rs m00-   
Tax Rs m103,4982,420 4,276.8%   
Profit after tax Rs m272,5406,829 3,991.2%  
Net profit margin %22.318.1 123.1%  
BALANCE SHEET DATA
Advances Rs m10,436,709326,733 3,194.3%   
Deposits Rs m11,462,071384,480 2,981.2%  
Credit/Deposit ratio x91.185.0 107.1%  
Yield on advances %9.59.7 97.6%   
Cost of deposits %4.45.5 80.8%   
Net Interest Margin %3.93.7 106.2%  
Net fixed assets Rs m46,2692,500 1,850.5%   
Share capital Rs m5,483735 746.5%   
Free reserves Rs m1,758,10447,673 3,687.8%   
Net worth Rs m1,763,58748,408 3,643.2%   
Borrowings Rs m1,868,3434,809 38,850.2%   
Investments Rs m3,893,05077,122 5,047.9%   
Total assets Rs m15,808,304452,589 3,492.9%  
Debt/equity ratio x7.68.0 94.0%   
Return on assets %1.71.5 114.3%  
Return on equity %15.514.1 109.6%  
Capital adequacy ratio %18.515.6 119.0%  
Net NPAs %0.41.8 19.9%  
CASH FLOW
From Operations Rs m-168,6913,969 -4,250.1%  
From Investments Rs m-16,169-867 1,865.2%  
From Financial Activity Rs m243,945166 146,689.7%  
Net Cashflow Rs m61,2253,269 1,873.2%  

Share Holding

Indian Promoters % 22.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 10.2 97.1%  
FIIs % 34.1 33.4 102.1%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 56.0 29.3%  
Shareholders   415,166 82,699 502.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   ING VYSYA BANK  FEDERAL BANK  UNITED BANK OF INDIA  ICICI BANK  KOTAK MAHINDRA BANK  

Compare HDFC BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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For 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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For the quarter ended June 2020, HDFC BANK has posted a net profit of Rs 67 bn (up 19.6% YoY). Sales on the other hand came in at Rs 304 bn (up 10.9% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

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Oct 30, 2020 (Close)

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