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INDIAN OVERSEAS BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN OVERSEAS BANK HDFC BANK INDIAN OVERSEAS BANK/
HDFC BANK
 
P/E (TTM) x 45.2 18.3 246.5% View Chart
P/BV x 4.6 3.8 119.4% View Chart
Dividend Yield % 0.0 1.3 -  

Financials

 INDIAN OVERSEAS BANK   HDFC BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
HDFC BANK
Mar-23
INDIAN OVERSEAS BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs371,722 2.1%   
Low Rs151,272 1.2%   
Income per share (Unadj.) Rs10.3306.0 3.4%  
Earnings per share (Unadj.) Rs1.182.4 1.4%  
Cash flow per share (Unadj.) Rs2.6150.0 1.7%  
Dividends per share (Unadj.) Rs019.00 0.0%  
Avg Dividend yield %01.3 0.0%  
Book value per share (Unadj.) Rs13.2516.7 2.5%  
Shares outstanding (eoy) m18,902.415,579.74 338.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.54.9 51.7%   
Avg P/E ratio x23.318.2 128.5%  
Avg P/CF ratio x8.311.1 74.3%  
Avg Price/Bookvalue ratio x2.02.9 68.1%  
Dividend payout %023.0 0.0%   
Avg Mkt Cap Rs m490,9908,351,759 5.9%   
No. of employees `000NANA-   
Total wages & salary Rs m41,024200,169 20.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,0701,707,541 11.4%  
Other income Rs m41,164339,121 12.1%   
Interest expense Rs m111,463777,799 14.3%   
Net interest income Rs m82,607929,741 8.9%  
Operating expense Rs m64,298515,337 12.5%   
Gross profit Rs m18,309414,404 4.4%  
Gross profit margin %9.424.3 38.9%  
Provisions/contingencies Rs m38,433292,038 13.2%   
Profit before tax Rs m23,534614,984 3.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,516 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m2,495153,497 1.6%   
Profit after tax Rs m21,040459,971 4.6%  
Net profit margin %10.826.9 40.2%  
BALANCE SHEET DATA
Advances Rs m1,780,67716,619,493 10.7%   
Deposits Rs m2,609,73618,826,633 13.9%  
Credit/Deposit ratio x68.288.3 77.3%  
Yield on advances %7.48.2 90.4%   
Cost of deposits %4.03.3 123.6%   
Net Interest Margin %3.04.3 71.1%  
Net fixed assets Rs m37,10784,756 43.8%   
Share capital Rs m189,0245,580 3,387.7%   
Free reserves Rs m59,7362,877,623 2.1%   
Net worth Rs m248,7602,883,203 8.6%   
Borrowings Rs m208,0382,565,487 8.1%   
Investments Rs m936,4255,115,817 18.3%   
Total assets Rs m3,134,49925,304,324 12.4%  
Debt/equity ratio x11.37.4 152.7%   
Return on assets %0.71.8 36.9%  
Return on equity %8.516.0 53.0%  
Capital adequacy ratio %16.119.3 83.6%  
Net NPAs %1.80.3 677.8%  
CASH FLOW
From Operations Rs m-155,835208,137 -74.9%  
From Investments Rs m-5,596-34,239 16.3%  
From Financial Activity Rs m127239,406 0.1%  
Net Cashflow Rs m-161,304417,621 -38.6%  

Share Holding

Indian Promoters % 96.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 83.0 1.6%  
FIIs % 0.0 52.3 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 100.0 3.6%  
Shareholders   727,348 3,018,247 24.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   ICICI BANK    AXIS BANK    SBI    PNB    KOTAK MAHINDRA BANK    


More on Indian Overseas Bank vs HDFC Bank

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

Here's a brief comparison:

Indian Overseas Bank vs HDFC Bank Share Price Performance

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

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Indian Overseas Bank hold a 96.4% stake in the company. In case of HDFC 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 Indian Overseas Bank and the shareholding pattern of HDFC Bank.

Finally, a word on dividends...

In the most recent financial year, Indian Overseas Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

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

For a sector overview, read our banking sector report.



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