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INDIAN OVERSEAS BANK vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN OVERSEAS BANK UNION BANK INDIAN OVERSEAS BANK/
UNION BANK
 
P/E (TTM) x 44.3 8.7 508.9% View Chart
P/BV x 4.5 1.5 306.7% View Chart
Dividend Yield % 0.0 2.0 -  

Financials

 INDIAN OVERSEAS BANK   UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
UNION BANK
Mar-23
INDIAN OVERSEAS BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs3796 38.1%   
Low Rs1534 45.5%   
Income per share (Unadj.) Rs10.3118.8 8.6%  
Earnings per share (Unadj.) Rs1.112.5 8.9%  
Cash flow per share (Unadj.) Rs2.627.2 9.6%  
Dividends per share (Unadj.) Rs03.00 0.0%  
Avg Dividend yield %04.6 0.0%  
Book value per share (Unadj.) Rs13.2115.3 11.4%  
Shares outstanding (eoy) m18,902.416,834.75 276.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.50.5 462.4%   
Avg P/E ratio x23.35.2 447.3%  
Avg P/CF ratio x8.31.7 476.6%  
Avg Price/Bookvalue ratio x2.00.6 350.2%  
Dividend payout %024.1 0.0%   
Avg Mkt Cap Rs m490,990444,088 110.6%   
No. of employees `000NANA-   
Total wages & salary Rs m41,024125,240 32.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,070811,632 23.9%  
Other income Rs m41,164159,154 25.9%   
Interest expense Rs m111,463480,328 23.2%   
Net interest income Rs m82,607331,303 24.9%  
Operating expense Rs m64,298234,873 27.4%   
Gross profit Rs m18,30996,430 19.0%  
Gross profit margin %9.411.9 79.4%  
Provisions/contingencies Rs m38,433171,280 22.4%   
Profit before tax Rs m23,534121,465 19.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0813 0.0%   
Tax Rs m2,49537,162 6.7%   
Profit after tax Rs m21,04085,117 24.7%  
Net profit margin %10.810.5 103.4%  
BALANCE SHEET DATA
Advances Rs m1,780,6777,642,767 23.3%   
Deposits Rs m2,609,73611,203,219 23.3%  
Credit/Deposit ratio x68.268.2 100.0%  
Yield on advances %7.47.4 99.2%   
Cost of deposits %4.04.0 101.9%   
Net Interest Margin %3.03.0 101.7%  
Net fixed assets Rs m37,10788,258 42.0%   
Share capital Rs m189,02469,388 272.4%   
Free reserves Rs m59,736718,648 8.3%   
Net worth Rs m248,760788,035 31.6%   
Borrowings Rs m208,038427,366 48.7%   
Investments Rs m936,4253,437,270 27.2%   
Total assets Rs m3,134,49912,883,571 24.3%  
Debt/equity ratio x11.314.8 76.7%   
Return on assets %0.70.7 101.6%  
Return on equity %8.510.8 78.3%  
Capital adequacy ratio %16.116.0 100.4%  
Net NPAs %1.81.7 107.6%  
CASH FLOW
From Operations Rs m-155,83561,114 -255.0%  
From Investments Rs m-5,596-25,611 21.9%  
From Financial Activity Rs m127-106,541 -0.1%  
Net Cashflow Rs m-161,304-71,038 227.1%  

Share Holding

Indian Promoters % 96.4 77.0 125.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 16.3 8.2%  
FIIs % 0.0 4.0 0.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 23.0 15.7%  
Shareholders   727,348 874,309 83.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Indian Overseas 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:

Indian Overseas Bank vs Union Bank Share Price Performance

Period Indian Overseas Bank Union Bank S&P BSE BANKEX
1-Day -0.22% -1.76% -0.40%
1-Month -16.25% 6.66% -0.29%
1-Year 157.72% 136.87% 17.82%
3-Year CAGR 55.71% 62.26% 11.02%
5-Year CAGR 33.02% 11.41% 9.52%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the Union 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 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 Indian Overseas Bank and the shareholding pattern of Union 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%.

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 Indian Overseas Bank, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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