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IDFC FIRST BANK vs CITY UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    IDFC FIRST BANK CITY UNION BANK IDFC FIRST BANK/
CITY UNION BANK
 
P/E (TTM) x 17.6 10.2 172.4% View Chart
P/BV x 2.1 1.3 154.0% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 IDFC FIRST BANK   CITY UNION BANK
EQUITY SHARE DATA
    IDFC FIRST BANK
Mar-23
CITY UNION BANK
Mar-23
IDFC FIRST BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs64205 31.4%   
Low Rs29118 24.6%   
Income per share (Unadj.) Rs34.363.7 53.9%  
Earnings per share (Unadj.) Rs3.812.7 29.7%  
Cash flow per share (Unadj.) Rs19.519.6 99.6%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs39.0100.7 38.7%  
Shares outstanding (eoy) m6,618.12740.42 893.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.42.5 53.6%   
Avg P/E ratio x12.412.7 97.5%  
Avg P/CF ratio x6.26.6 94.0%  
Avg Price/Bookvalue ratio x1.21.6 74.7%  
Dividend payout %07.9 0.0%   
Avg Mkt Cap Rs m308,570119,411 258.4%   
No. of employees `000NANA-   
Total wages & salary Rs m42,7865,304 806.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m227,27847,143 482.1%  
Other income Rs m44,6738,104 551.3%   
Interest expense Rs m100,90625,515 395.5%   
Net interest income Rs m126,37221,628 584.3%  
Operating expense Rs m121,08211,552 1,048.2%   
Gross profit Rs m5,28910,076 52.5%  
Gross profit margin %2.321.4 10.9%  
Provisions/contingencies Rs m25,1138,805 285.2%   
Profit before tax Rs m33,31411,775 282.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m8,4652,400 352.7%   
Profit after tax Rs m24,8499,375 265.1%  
Net profit margin %10.919.9 55.0%  
BALANCE SHEET DATA
Advances Rs m1,517,945430,533 352.6%   
Deposits Rs m1,444,695523,979 275.7%  
Credit/Deposit ratio x105.182.2 127.9%  
Yield on advances %12.68.8 143.0%   
Cost of deposits %4.34.4 99.1%   
Net Interest Margin %5.93.8 157.6%  
Net fixed assets Rs m19,1452,393 800.0%   
Share capital Rs m66,181740 8,938.3%   
Free reserves Rs m191,92373,832 259.9%   
Net worth Rs m258,10474,572 346.1%   
Borrowings Rs m572,12146,881 1,220.4%   
Investments Rs m609,133143,326 425.0%   
Total assets Rs m2,398,821665,946 360.2%  
Debt/equity ratio x7.87.7 102.1%   
Return on assets %1.01.4 73.6%  
Return on equity %9.612.6 76.6%  
Capital adequacy ratio %16.822.3 75.3%  
Net NPAs %0.92.4 36.4%  
CASH FLOW
From Operations Rs m35,6301,004 3,548.9%  
From Investments Rs m-119,957-719 16,687.4%  
From Financial Activity Rs m65,090-662 -9,837.3%  
Net Cashflow Rs m-19,237-377 5,108.7%  

Share Holding

Indian Promoters % 37.5 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 34.6 59.0 58.7%  
FIIs % 24.3 26.6 91.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 62.6 100.0 62.6%  
Shareholders   2,382,674 216,019 1,103.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare IDFC FIRST BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on IDFC FIRST BANK vs City Union Bank

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

Here's a brief comparison:

IDFC FIRST BANK vs City Union Bank Share Price Performance

Period IDFC FIRST BANK City Union Bank S&P BSE BANKEX
1-Day -3.11% -0.22% 0.82%
1-Month -6.37% 0.97% 2.48%
1-Year 42.92% 11.70% 19.28%
3-Year CAGR 8.95% -4.26% 12.00%
5-Year CAGR 6.72% -7.66% 9.40%

* Compound Annual Growth Rate

Here are more details on the IDFC FIRST BANK share price and the City Union Bank share price.

Moving on to shareholding structures...

The promoters of IDFC FIRST BANK hold a 37.5% stake in the company. In case of City Union Bank the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of IDFC FIRST BANK and the shareholding pattern of City Union Bank.

Finally, a word on dividends...

In the most recent financial year, IDFC FIRST BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

City Union Bank paid Rs 1.0, and its dividend payout ratio stood at 7.9%.

You may visit here to review the dividend history of IDFC FIRST BANK, and the dividend history of City Union Bank.

For a sector overview, read our banking sector report.



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