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Compare HDFC Bank with City Union Bank - Equitymaster

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HDFC BANK vs CITY UNION BANK - Comparison Results

HDFC BANK    Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... 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 26.8 16.0 167.6% View Chart
P/BV x 4.9 2.5 192.9% View Chart
Dividend Yield % 0.6 0.2 364.1%  

Financials

 HDFC BANK   CITY UNION BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-18
CITY UNION BANK
Mar-18
HDFC BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs2,014209 964.6%   
Low Rs1,425145 982.8%   
Income per share (Unadj.) Rs328.751.2 642.1%  
Earnings per share (Unadj.) Rs71.38.9 800.9%  
Cash flow per share (Unadj.) Rs176.417.0 1,040.3%  
Dividends per share (Unadj.) Rs13.000.30 4,333.3%  
Avg Dividend yield %0.80.2 445.8%  
Book value per share (Unadj.) Rs422.362.6 674.3%  
Shares outstanding (eoy) m2,595.09664.73 390.4%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x5.23.5 151.4%   
Avg P/E ratio x24.119.9 121.4%  
Avg P/CF ratio x17.811.6 152.8%  
Avg Price/Bookvalue ratio x4.12.8 144.1%  
Dividend payout %18.23.4 541.1%   
Avg Mkt Cap Rs m4,462,257117,591 3,794.7%   
No. of employees `00088.35.3 1,659.2%   
Total wages & salary Rs m91,9393,159 2,910.6%   
Avg. income/employee Rs Th9,664.06,396.7 151.1%   
Avg. wages/employee Rs Th1,041.8593.9 175.4%   
Avg. net profit/employee Rs Th2,097.41,113.0 188.4%   
INCOME DATA
Interest income Rs m852,87834,024 2,506.7%  
Other income Rs m160,5665,321 3,017.6%   
Interest expense Rs m423,81519,721 2,149.0%   
Net interest income Rs m429,06414,303 2,999.8%  
Operating expense Rs m239,2727,547 3,170.6%   
Gross profit Rs m189,7916,757 2,809.0%  
Gross profit margin %22.319.9 112.1%  
Provisions/contingencies Rs m65,7184,178 1,573.1%   
Profit before tax Rs m283,6127,900 3,590.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m5130-   
Prior Period Items Rs m50-   
Tax Rs m99,0311,980 5,001.6%   
Profit after tax Rs m185,1005,920 3,126.7%  
Net profit margin %21.717.4 124.7%  
BALANCE SHEET DATA
Advances Rs m7,000,338278,528 2,513.3%   
Deposits Rs m7,883,751328,526 2,399.7%  
Credit/Deposit ratio x88.884.8 104.7%  
Yield on advances %9.710.2 94.8%   
Cost of deposits %4.25.9 70.9%   
Net Interest Margin %4.03.7 108.4%  
Net fixed assets Rs m38,1062,231 1,707.8%   
Share capital Rs m5,190665 780.8%   
Free reserves Rs m832,48640,968 2,032.1%   
Net worth Rs m1,095,99141,632 2,632.5%   
Borrowings Rs m1,564,42117,359 9,012.3%   
Investments Rs m2,384,60978,791 3,026.5%   
Total assets Rs m11,031,862399,373 2,762.3%  
Debt/equity ratio x8.68.3 103.8%   
Return on assets %1.71.5 113.2%  
Return on equity %16.914.2 118.8%  
Capital adequacy ratio %14.816.2 91.2%  
Net NPAs %0.41.7 23.5%  
CASH FLOW
From Operations Rs m172,144-1,831 -9,401.6%  
From Investments Rs m-8,522-605 1,407.9%  
From Financial Activity Rs m573,77711 5,264,005.5%  
Net Cashflow Rs m737,399-2,425 -30,403.2%  

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:   SBI  ORIENTAL BANK  KARNATAKA BANK  BANK OF BARODA  KOTAK MAH. BANK  

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



Today's Market

Sensex Ends 404 Points Higher; Metal and Oil & Gas Stocks Witness Buying(Closing)

Indian share markets continued their momentum during closing hours and ended the day on a strong note. Gains were largely seen in the metal sector and oil & gas sector.

Related Views on News

HDFC BANK Announces Quarterly Results (3QFY19); Net Profit Up 20.3% (Quarterly Result Update)

Jan 21, 2019 | Updated on Jan 21, 2019

For the quarter ended December 2018, HDFC BANK has posted a net profit of Rs 56 bn (up 20.3% YoY). Sales on the other hand came in at Rs 259 bn (up 25.8% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Feb 21, 2018

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HDFC BANK Announces Quarterly Results (2QFY19); Net Profit Up 20.6% (Quarterly Result Update)

Oct 23, 2018 | Updated on Oct 23, 2018

For the quarter ended September 2018, HDFC BANK has posted a net profit of Rs 50 bn (up 20.6% YoY). Sales on the other hand came in at Rs 242 bn (up 23.0% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

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Feb 20, 2019 (Close)

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