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IDFC FIRST BANK vs UNITED BANK OF INDIA - Comparison Results

Rs 100 invested in...

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Current Valuations

    IDFC FIRST BANK UNITED BANK OF INDIA IDFC FIRST BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 17.6 9.3 189.7% View Chart
P/BV x 2.1 0.4 584.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 IDFC FIRST BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    IDFC FIRST BANK
Mar-23
UNITED BANK OF INDIA
Mar-19
IDFC FIRST BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs6415 434.5%   
Low Rs299 319.9%   
Income per share (Unadj.) Rs34.311.5 298.0%  
Earnings per share (Unadj.) Rs3.8-3.1 -120.4%  
Cash flow per share (Unadj.) Rs19.5-7.2 -270.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs39.015.5 251.9%  
Shares outstanding (eoy) m6,618.127,427.92 89.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.41.0 131.2%   
Avg P/E ratio x12.4-3.8 -324.7%  
Avg P/CF ratio x6.26.3 98.4%  
Avg Price/Bookvalue ratio x1.20.8 155.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m308,57088,578 348.4%   
No. of employees `000NANA-   
Total wages & salary Rs m42,78619,545 218.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m227,27885,599 265.5%  
Other income Rs m44,67323,846 187.3%   
Interest expense Rs m100,90665,853 153.2%   
Net interest income Rs m126,37219,746 640.0%  
Operating expense Rs m121,08229,476 410.8%   
Gross profit Rs m5,289-9,730 -54.4%  
Gross profit margin %2.3-11.4 -20.5%  
Provisions/contingencies Rs m25,11337,275 67.4%   
Profit before tax Rs m33,314-45,809 -72.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m8,465-22,650 -37.4%   
Profit after tax Rs m24,849-23,159 -107.3%  
Net profit margin %10.9-27.1 -40.4%  
BALANCE SHEET DATA
Advances Rs m1,517,945669,551 226.7%   
Deposits Rs m1,444,6951,349,833 107.0%  
Credit/Deposit ratio x105.149.6 211.8%  
Yield on advances %12.67.6 167.0%   
Cost of deposits %4.34.7 92.0%   
Net Interest Margin %5.91.5 384.9%  
Net fixed assets Rs m19,14512,341 155.1%   
Share capital Rs m66,18174,279 89.1%   
Free reserves Rs m191,92340,710 471.4%   
Net worth Rs m258,104114,989 224.5%   
Borrowings Rs m572,12122,037 2,596.2%   
Investments Rs m609,133609,760 99.9%   
Total assets Rs m2,398,8211,515,299 158.3%  
Debt/equity ratio x7.811.9 65.5%   
Return on assets %1.0-1.5 -67.8%  
Return on equity %9.6-20.1 -47.8%  
Capital adequacy ratio %16.813.0 129.4%  
Net NPAs %0.98.7 9.9%  
CASH FLOW
From Operations Rs m35,630-150,737 -23.6%  
From Investments Rs m-119,957-732 16,380.9%  
From Financial Activity Rs m65,09045,761 142.2%  
Net Cashflow Rs m-19,237-105,708 18.2%  

Share Holding

Indian Promoters % 37.5 97.4 38.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 34.6 1.2 2,815.4%  
FIIs % 24.3 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 62.6 2.6 2,415.1%  
Shareholders   2,382,674 101,958 2,336.9%  
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    ICICI BANK    AXIS BANK    SBI    PNB    


More on IDFC FIRST BANK vs United Bank of India

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 United Bank of India Share Price Performance

Period IDFC FIRST BANK United Bank of India S&P BSE BANKEX
1-Day -3.11% -0.44% 0.82%
1-Month -6.37% -42.19% 2.48%
1-Year 42.92% -59.60% 19.28%
3-Year CAGR 8.95% -43.77% 12.00%
5-Year CAGR 6.72% -31.10% 9.40%

* Compound Annual Growth Rate

Here are more details on the IDFC FIRST BANK share price and the United Bank of India share price.

Moving on to shareholding structures...

The promoters of IDFC FIRST BANK hold a 37.5% stake in the company. In case of United Bank of India the stake stands at 97.4%.

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

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%.

United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

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

For a sector overview, read our banking sector report.



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