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INDIAN OVERSEAS BANK vs KARUR VYSYA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN OVERSEAS BANK KARUR VYSYA BANK INDIAN OVERSEAS BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 45.2 9.9 455.4% View Chart
P/BV x 4.6 1.7 265.4% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 INDIAN OVERSEAS BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
KARUR VYSYA BANK
Mar-23
INDIAN OVERSEAS BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs37116 31.6%   
Low Rs1542 36.5%   
Income per share (Unadj.) Rs10.381.2 12.6%  
Earnings per share (Unadj.) Rs1.113.8 8.1%  
Cash flow per share (Unadj.) Rs2.626.2 10.0%  
Dividends per share (Unadj.) Rs02.00 0.0%  
Avg Dividend yield %02.5 0.0%  
Book value per share (Unadj.) Rs13.2107.0 12.3%  
Shares outstanding (eoy) m18,902.41802.05 2,356.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.51.0 260.6%   
Avg P/E ratio x23.35.7 408.0%  
Avg P/CF ratio x8.32.6 323.1%  
Avg Price/Bookvalue ratio x2.00.7 267.7%  
Dividend payout %014.5 0.0%   
Avg Mkt Cap Rs m490,99063,262 776.1%   
No. of employees `000NANA-   
Total wages & salary Rs m41,02410,060 407.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,07065,166 297.8%  
Other income Rs m41,16411,589 355.2%   
Interest expense Rs m111,46331,677 351.9%   
Net interest income Rs m82,60733,488 246.7%  
Operating expense Rs m64,29820,320 316.4%   
Gross profit Rs m18,30913,168 139.0%  
Gross profit margin %9.420.2 46.7%  
Provisions/contingencies Rs m38,43313,697 280.6%   
Profit before tax Rs m23,53414,369 163.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,4953,308 75.4%   
Profit after tax Rs m21,04011,061 190.2%  
Net profit margin %10.817.0 63.9%  
BALANCE SHEET DATA
Advances Rs m1,780,677631,341 282.0%   
Deposits Rs m2,609,736766,376 340.5%  
Credit/Deposit ratio x68.282.4 82.8%  
Yield on advances %7.48.4 87.5%   
Cost of deposits %4.04.0 100.9%   
Net Interest Margin %3.04.1 74.4%  
Net fixed assets Rs m37,1074,176 888.5%   
Share capital Rs m189,0241,604 11,783.7%   
Free reserves Rs m59,73684,214 70.9%   
Net worth Rs m248,76085,818 289.9%   
Borrowings Rs m208,03814,320 1,452.8%   
Investments Rs m936,425188,083 497.9%   
Total assets Rs m3,134,499901,794 347.6%  
Debt/equity ratio x11.39.1 124.5%   
Return on assets %0.71.2 54.7%  
Return on equity %8.512.9 65.6%  
Capital adequacy ratio %16.118.6 86.7%  
Net NPAs %1.80.7 247.3%  
CASH FLOW
From Operations Rs m-155,83512,172 -1,280.3%  
From Investments Rs m-5,596-12,702 44.1%  
From Financial Activity Rs m127-1,781 -7.2%  
Net Cashflow Rs m-161,304-2,310 6,981.5%  

Share Holding

Indian Promoters % 96.4 2.2 4,341.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 50.8 2.6%  
FIIs % 0.0 15.6 0.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 97.8 3.7%  
Shareholders   727,348 232,052 313.4%  
Pledged promoter(s) holding % 0.0 7.3 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Indian Overseas Bank vs Karur Vysya 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 Karur Vysya Bank Share Price Performance

Period Indian Overseas Bank Karur Vysya Bank S&P BSE BANKEX
1-Day 5.43% -0.43% 0.82%
1-Month -5.05% -1.35% 2.48%
1-Year 183.37% 87.19% 19.28%
3-Year CAGR 55.68% 48.93% 12.00%
5-Year CAGR 33.40% 20.91% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.2%.

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 Karur Vysya 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%.

Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.

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

For a sector overview, read our banking sector report.



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