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Compare HDFC Bank with Union Bank - Equitymaster
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HDFC BANK vs 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

UNION BANK 
   Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    HDFC BANK UNION BANK HDFC BANK/
UNION BANK
 
P/E (TTM) x 31.7 -7.4 - View Chart
P/BV x 5.2 0.4 1,353.2% View Chart
Dividend Yield % 0.6 1.4 41.9%  

Financials

 HDFC BANK   UNION BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-17
UNION BANK
Mar-16
HDFC BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,478223 664.3%   
Low Rs1,043104 1,001.9%   
Income per share (Unadj.) Rs285.9470.1 60.8%  
Earnings per share (Unadj.) Rs59.519.7 301.6%  
Cash flow per share (Unadj.) Rs156.567.4 232.1%  
Dividends per share (Unadj.) Rs11.001.95 564.1%  
Avg Dividend yield %0.91.2 73.1%  
Book value per share (Unadj.) Rs358.2335.3 106.8%  
Shares outstanding (eoy) m2,562.55687.44 372.8%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x4.40.3 1,269.0%   
Avg P/E ratio x21.28.3 256.0%  
Avg P/CF ratio x16.82.1 781.2%  
Avg Price/Bookvalue ratio x3.50.5 722.5%  
Dividend payout %18.59.9 187.1%   
Avg Mkt Cap Rs m3,230,094112,259 2,877.4%   
No. of employees `00084.335.5 237.7%   
Total wages & salary Rs m85,04737,681 225.7%   
Avg. income/employee Rs Th8,689.29,109.9 95.4%   
Avg. wages/employee Rs Th1,008.61,062.2 94.9%   
Avg. net profit/employee Rs Th1,808.8382.5 472.9%   
INCOME DATA
Interest income Rs m732,714323,157 226.7%  
Other income Rs m128,776393,443 32.7%   
Interest expense Rs m380,416238,940 159.2%   
Net interest income Rs m352,29884,216 418.3%  
Operating expense Rs m207,51167,159 309.0%   
Gross profit Rs m144,78717,057 848.8%  
Gross profit margin %19.85.3 374.4%  
Provisions/contingencies Rs m39,90838,682 103.2%   
Profit before tax Rs m232,92117,769 1,310.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m36790 406.6%   
Prior Period Items Rs m230-   
Tax Rs m80,7814,291 1,882.6%   
Profit after tax Rs m152,53013,569 1,124.1%  
Net profit margin %20.84.2 495.8%  
BALANCE SHEET DATA
Advances Rs m5,854,8102,682,496 218.3%   
Deposits Rs m6,431,3433,441,175 186.9%  
Credit/Deposit ratio x91.078.0 116.8%  
Yield on advances %9.68.8 108.3%   
Cost of deposits %4.96.4 75.8%   
Net Interest Margin %4.22.2 192.2%  
Net fixed assets Rs m38,14739,519 96.5%   
Share capital Rs m5,1256,874 74.6%   
Free reserves Rs m702,033200,761 349.7%   
Net worth Rs m917,940230,481 398.3%   
Borrowings Rs m984,156306,366 321.2%   
Investments Rs m2,107,771905,732 232.7%   
Total assets Rs m8,923,4424,073,646 219.1%  
Debt/equity ratio x8.116.3 49.7%   
Return on assets %1.70.3 513.2%  
Return on equity %16.65.9 282.3%  
Capital adequacy ratio %14.611.1 130.6%  
Net NPAs %0.35.3 6.3%  
CASH FLOW
From Operations Rs m172,81682,741 208.9%  
From Investments Rs m-11,477-8,718 131.6%  
From Financial Activity Rs m-58,930-3,886 1,516.7%  
Net Cashflow Rs m102,40970,138 146.0%  

Share Holding

Indian Promoters % 22.6 60.1 37.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 16.6 59.6%  
FIIs % 34.1 8.5 401.2%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 14.8 110.8%  
Shareholders   415,166 235,817 176.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   SYNDICATE BANK  CITY UNION BANK  BANK OF BARODA  PNB  J&K BANK  

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



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HDFC Bank: Growth Steady Even as NPA Provisions Double (Quarterly Results Update - Detailed)

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Nov 7, 2017

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Nov 7, 2017

IDFC Bank's profitability remains hit by the legacy book challenges of stressed infra assets and fixed rate liabilities.

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Jan 17, 2018 (Close)

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