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INDIAN OVERSEAS BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDIAN OVERSEAS BANK UJJIVAN SMALL FINANCE BANK INDIAN OVERSEAS BANK/
UJJIVAN SMALL FINANCE BANK
 
P/E (TTM) x 45.2 6.9 656.2% View Chart
P/BV x 4.6 2.1 218.3% View Chart
Dividend Yield % 0.0 2.8 -  

Financials

 INDIAN OVERSEAS BANK   UJJIVAN SMALL FINANCE BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-23
UJJIVAN SMALL FINANCE BANK
Mar-23
INDIAN OVERSEAS BANK/
UJJIVAN SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs3734 109.6%   
Low Rs1514 113.0%   
Income per share (Unadj.) Rs10.321.3 48.2%  
Earnings per share (Unadj.) Rs1.15.6 19.8%  
Cash flow per share (Unadj.) Rs2.614.8 17.7%  
Dividends per share (Unadj.) Rs01.25 0.0%  
Avg Dividend yield %05.3 0.0%  
Book value per share (Unadj.) Rs13.221.3 61.9%  
Shares outstanding (eoy) m18,902.411,954.71 967.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.51.1 229.4%   
Avg P/E ratio x23.34.2 558.8%  
Avg P/CF ratio x8.33.1 266.9%  
Avg Price/Bookvalue ratio x2.01.1 178.7%  
Dividend payout %022.2 0.0%   
Avg Mkt Cap Rs m490,99045,936 1,068.9%   
No. of employees `000NANA-   
Total wages & salary Rs m41,0249,203 445.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m194,07041,650 466.0%  
Other income Rs m41,1645,892 698.7%   
Interest expense Rs m111,46314,671 759.8%   
Net interest income Rs m82,60726,979 306.2%  
Operating expense Rs m64,29818,021 356.8%   
Gross profit Rs m18,3098,958 204.4%  
Gross profit margin %9.421.5 43.9%  
Provisions/contingencies Rs m38,4333,851 998.0%   
Profit before tax Rs m23,53414,672 160.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,4953,673 67.9%   
Profit after tax Rs m21,04010,999 191.3%  
Net profit margin %10.826.4 41.1%  
BALANCE SHEET DATA
Advances Rs m1,780,677212,897 836.4%   
Deposits Rs m2,609,736255,377 1,021.9%  
Credit/Deposit ratio x68.283.4 81.8%  
Yield on advances %7.417.4 42.4%   
Cost of deposits %4.05.2 78.4%   
Net Interest Margin %3.09.1 33.6%  
Net fixed assets Rs m37,1072,653 1,398.6%   
Share capital Rs m189,02421,547 877.3%   
Free reserves Rs m59,73620,032 298.2%   
Net worth Rs m248,76041,579 598.3%   
Borrowings Rs m208,03826,415 787.6%   
Investments Rs m936,42585,103 1,100.3%   
Total assets Rs m3,134,499333,169 940.8%  
Debt/equity ratio x11.36.8 167.1%   
Return on assets %0.73.3 20.3%  
Return on equity %8.526.5 32.0%  
Capital adequacy ratio %16.125.8 62.4%  
Net NPAs %1.80 4,575.0%  
CASH FLOW
From Operations Rs m-155,83510,598 -1,470.4%  
From Investments Rs m-5,596-20,957 26.7%  
From Financial Activity Rs m12711,864 1.1%  
Net Cashflow Rs m-161,3041,505 -10,717.6%  

Share Holding

Indian Promoters % 96.4 73.6 131.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 7.7 17.3%  
FIIs % 0.0 3.7 0.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.6 26.4 13.7%  
Shareholders   727,348 598,080 121.6%  
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 UJJIVAN SMALL FINANCE 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 UJJIVAN SMALL FINANCE BANK Share Price Performance

Period Indian Overseas Bank UJJIVAN SMALL FINANCE BANK S&P BSE BANKEX
1-Day 5.41% 0.25% 0.82%
1-Month -5.06% -13.47% 2.48%
1-Year 183.33% 75.21% 19.28%
3-Year CAGR 55.67% 13.63% 12.00%
5-Year CAGR 33.40% -4.54% 9.40%

* Compound Annual Growth Rate

Here are more details on the Indian Overseas Bank share price and the UJJIVAN SMALL FINANCE 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 UJJIVAN SMALL FINANCE BANK the stake stands at 73.6%.

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 UJJIVAN SMALL FINANCE 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%.

UJJIVAN SMALL FINANCE BANK paid Rs 1.3, and its dividend payout ratio stood at 22.2%.

You may visit here to review the dividend history of Indian Overseas Bank, and the dividend history of UJJIVAN SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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