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INDUSIND BANK vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDUSIND BANK UNION BANK INDUSIND BANK/
UNION BANK
 
P/E (TTM) x 14.0 8.9 157.3% View Chart
P/BV x 2.2 1.5 148.2% View Chart
Dividend Yield % 0.9 2.0 46.0%  

Financials

 INDUSIND BANK   UNION BANK
EQUITY SHARE DATA
    INDUSIND BANK
Mar-23
UNION BANK
Mar-23
INDUSIND BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs1,27596 1,322.9%   
Low Rs76434 2,276.5%   
Income per share (Unadj.) Rs468.7118.8 394.7%  
Earnings per share (Unadj.) Rs95.912.5 770.3%  
Cash flow per share (Unadj.) Rs184.327.2 677.8%  
Dividends per share (Unadj.) Rs14.003.00 466.7%  
Avg Dividend yield %1.44.6 29.7%  
Book value per share (Unadj.) Rs708.3115.3 614.4%  
Shares outstanding (eoy) m775.906,834.75 11.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.20.5 397.5%   
Avg P/E ratio x10.65.2 203.7%  
Avg P/CF ratio x5.51.7 316.7%  
Avg Price/Bookvalue ratio x1.40.6 255.4%  
Dividend payout %14.624.1 60.6%   
Avg Mkt Cap Rs m791,025444,088 178.1%   
No. of employees `000NANA-   
Total wages & salary Rs m41,787125,240 33.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m363,679811,632 44.8%  
Other income Rs m81,728159,154 51.4%   
Interest expense Rs m187,758480,328 39.1%   
Net interest income Rs m175,921331,303 53.1%  
Operating expense Rs m113,459234,873 48.3%   
Gross profit Rs m62,46396,430 64.8%  
Gross profit margin %17.211.9 144.6%  
Provisions/contingencies Rs m69,759171,280 40.7%   
Profit before tax Rs m99,322121,465 81.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m4813 0.4%   
Tax Rs m24,89137,162 67.0%   
Profit after tax Rs m74,43585,117 87.5%  
Net profit margin %20.510.5 195.2%  
BALANCE SHEET DATA
Advances Rs m2,899,2377,642,767 37.9%   
Deposits Rs m3,361,20211,203,219 30.0%  
Credit/Deposit ratio x86.368.2 126.4%  
Yield on advances %10.37.4 138.8%   
Cost of deposits %4.74.0 117.7%   
Net Interest Margin %4.73.0 157.7%  
Net fixed assets Rs m19,43588,258 22.0%   
Share capital Rs m7,75969,388 11.2%   
Free reserves Rs m541,844718,648 75.4%   
Net worth Rs m549,603788,035 69.7%   
Borrowings Rs m490,112427,366 114.7%   
Investments Rs m830,7573,437,270 24.2%   
Total assets Rs m4,578,36612,883,571 35.5%  
Debt/equity ratio x7.014.8 47.5%   
Return on assets %1.60.7 246.1%  
Return on equity %13.510.8 125.4%  
Capital adequacy ratio %17.916.0 111.3%  
Net NPAs %0.61.7 34.7%  
CASH FLOW
From Operations Rs m-124,42361,114 -203.6%  
From Investments Rs m-5,602-25,611 21.9%  
From Financial Activity Rs m11,148-106,541 -10.5%  
Net Cashflow Rs m-118,079-71,038 166.2%  

Share Holding

Indian Promoters % 0.0 77.0 -  
Foreign collaborators % 16.5 0.0 -  
Indian inst/Mut Fund % 69.0 16.3 424.6%  
FIIs % 42.0 4.0 1,057.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 83.6 23.0 363.1%  
Shareholders   359,688 874,309 41.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Indusind Bank vs Union Bank

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

Here's a brief comparison:

Indusind Bank vs Union Bank Share Price Performance

Period Indusind Bank Union Bank S&P BSE BANKEX
1-Day 1.47% 1.42% 0.82%
1-Month 7.35% 9.02% 2.48%
1-Year 50.16% 149.11% 19.28%
3-Year CAGR 17.33% 65.10% 12.00%
5-Year CAGR -3.09% 9.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indusind Bank share price and the Union Bank share price.

Moving on to shareholding structures...

The promoters of Indusind Bank hold a 16.5% stake in the company. In case of Union Bank the stake stands at 77.0%.

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

Finally, a word on dividends...

In the most recent financial year, Indusind Bank paid a dividend of Rs 14.0 per share. This amounted to a Dividend Payout ratio of 14.6%.

Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.

You may visit here to review the dividend history of Indusind Bank, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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