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HDFC BANK vs INDIAN OVERSEAS BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    HDFC BANK INDIAN OVERSEAS BANK HDFC BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x 18.3 45.2 40.6% View Chart
P/BV x 3.8 4.6 83.7% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 HDFC BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-23
INDIAN OVERSEAS BANK
Mar-23
HDFC BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs1,72237 4,691.7%   
Low Rs1,27215 8,339.3%   
Income per share (Unadj.) Rs306.010.3 2,980.7%  
Earnings per share (Unadj.) Rs82.41.1 7,406.1%  
Cash flow per share (Unadj.) Rs150.02.6 5,738.4%  
Dividends per share (Unadj.) Rs19.000-  
Avg Dividend yield %1.30-  
Book value per share (Unadj.) Rs516.713.2 3,926.4%  
Shares outstanding (eoy) m5,579.7418,902.41 29.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.92.5 193.3%   
Avg P/E ratio x18.223.3 77.8%  
Avg P/CF ratio x11.18.3 134.5%  
Avg Price/Bookvalue ratio x2.92.0 146.8%  
Dividend payout %23.00-   
Avg Mkt Cap Rs m8,351,759490,990 1,701.0%   
No. of employees `000NANA-   
Total wages & salary Rs m200,16941,024 487.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,707,541194,070 879.9%  
Other income Rs m339,12141,164 823.8%   
Interest expense Rs m777,799111,463 697.8%   
Net interest income Rs m929,74182,607 1,125.5%  
Operating expense Rs m515,33764,298 801.5%   
Gross profit Rs m414,40418,309 2,263.4%  
Gross profit margin %24.39.4 257.2%  
Provisions/contingencies Rs m292,03838,433 759.9%   
Profit before tax Rs m614,98423,534 2,613.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,5160-   
Prior Period Items Rs m00-   
Tax Rs m153,4972,495 6,153.4%   
Profit after tax Rs m459,97121,040 2,186.2%  
Net profit margin %26.910.8 248.5%  
BALANCE SHEET DATA
Advances Rs m16,619,4931,780,677 933.3%   
Deposits Rs m18,826,6332,609,736 721.4%  
Credit/Deposit ratio x88.368.2 129.4%  
Yield on advances %8.27.4 110.6%   
Cost of deposits %3.34.0 80.9%   
Net Interest Margin %4.33.0 140.7%  
Net fixed assets Rs m84,75637,107 228.4%   
Share capital Rs m5,580189,024 3.0%   
Free reserves Rs m2,877,62359,736 4,817.2%   
Net worth Rs m2,883,203248,760 1,159.0%   
Borrowings Rs m2,565,487208,038 1,233.2%   
Investments Rs m5,115,817936,425 546.3%   
Total assets Rs m25,304,3243,134,499 807.3%  
Debt/equity ratio x7.411.3 65.5%   
Return on assets %1.80.7 270.8%  
Return on equity %16.08.5 188.6%  
Capital adequacy ratio %19.316.1 119.6%  
Net NPAs %0.31.8 14.8%  
CASH FLOW
From Operations Rs m208,137-155,835 -133.6%  
From Investments Rs m-34,239-5,596 611.8%  
From Financial Activity Rs m239,406127 187,783.8%  
Net Cashflow Rs m417,621-161,304 -258.9%  

Share Holding

Indian Promoters % 0.0 96.4 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 83.0 1.3 6,242.1%  
FIIs % 52.3 0.0 174,300.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 3.6 2,762.4%  
Shareholders   3,018,247 727,348 415.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   AXIS BANK    SBI    ICICI BANK    PNB    KOTAK MAHINDRA BANK    


More on HDFC Bank vs Indian Overseas Bank

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

Here's a brief comparison:

HDFC Bank vs Indian Overseas Bank Share Price Performance

Period HDFC Bank Indian Overseas Bank S&P BSE BANKEX
1-Day 0.52% 5.41% 0.82%
1-Month 2.84% -5.06% 2.48%
1-Year -8.35% 183.33% 19.28%
3-Year CAGR -2.31% 55.67% 12.00%
5-Year CAGR 4.71% 33.40% 9.40%

* Compound Annual Growth Rate

Here are more details on the HDFC Bank share price and the Indian Overseas Bank share price.

Moving on to shareholding structures...

The promoters of HDFC Bank hold a 0.0% stake in the company. In case of Indian Overseas Bank the stake stands at 96.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HDFC Bank and the shareholding pattern of Indian Overseas Bank.

Finally, a word on dividends...

In the most recent financial year, HDFC Bank paid a dividend of Rs 19.0 per share. This amounted to a Dividend Payout ratio of 23.0%.

Indian Overseas Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of HDFC Bank, and the dividend history of Indian Overseas Bank.

For a sector overview, read our banking sector report.



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