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- Indian - banking
- J&K BANK - UCO BANK
J&K BANK vs UCO BANK - Comparison Results
Current Valuations
| J&K BANK | UCO BANK | J&K BANK/ UCO BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.8 | 37.2 | 23.6% | View Chart |
| P/BV | x | 1.4 | 2.5 | 57.5% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  UCO BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
UCO BANK Mar-23 |
J&K BANK/ UCO BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 38 | 164.5% | |
| Low | Rs | 24 | 11 | 226.2% | |
| Income per share (Unadj.) | Rs | 90.7 | 14.8 | 614.4% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 1.5 | 749.3% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 4.9 | 934.3% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 21.4 | 448.0% | |
| Shares outstanding (eoy) | m | 1,031.48 | 11,955.96 | 8.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.6 | 28.9% | |
| Avg P/E ratio | x | 3.8 | 15.9 | 23.7% | |
| Avg P/CF ratio | x | 2.4 | 6.8 | 35.9% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.1 | 39.7% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 290,948 | 15.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 38,727 | 69.9% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 93,552 | 176,505 | 53.0% | |
| Other income | Rs m | 7,652 | 25,085 | 30.5% | |
| Interest expense | Rs m | 46,094 | 103,074 | 44.7% | |
| Net interest income | Rs m | 47,458 | 73,431 | 64.6% | |
| Operating expense | Rs m | 36,509 | 55,109 | 66.2% | |
| Gross profit | Rs m | 10,949 | 18,322 | 59.8% | |
| Gross profit margin | % | 11.7 | 10.4 | 112.7% | |
| Provisions/contingencies | Rs m | 6,616 | 24,783 | 26.7% | |
| Profit before tax | Rs m | 17,856 | 29,051 | 61.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | -181 | -361 | 50.1% | |
| Tax | Rs m | 5,870 | 10,428 | 56.3% | |
| Profit after tax | Rs m | 11,805 | 18,263 | 64.6% | |
| Net profit margin | % | 12.6 | 10.3 | 122.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 1,558,702 | 52.8% | |
| Deposits | Rs m | 1,220,272 | 2,493,377 | 48.9% | |
| Credit/Deposit ratio | x | 67.4 | 62.5 | 107.9% | |
| Yield on advances | % | 8.5 | 6.6 | 128.2% | |
| Cost of deposits | % | 3.6 | 3.8 | 94.4% | |
| Net Interest Margin | % | 4.1 | 2.9 | 138.5% | |
| Net fixed assets | Rs m | 22,244 | 34,445 | 64.6% | |
| Share capital | Rs m | 1,032 | 119,560 | 0.9% | |
| Free reserves | Rs m | 97,932 | 136,477 | 71.8% | |
| Net worth | Rs m | 98,963 | 256,037 | 38.7% | |
| Borrowings | Rs m | 28,923 | 205,011 | 14.1% | |
| Investments | Rs m | 347,804 | 950,085 | 36.6% | |
| Total assets | Rs m | 1,459,126 | 3,007,022 | 48.5% | |
| Debt/equity ratio | x | 12.6 | 10.5 | 119.8% | |
| Return on assets | % | 0.8 | 0.6 | 133.2% | |
| Return on equity | % | 11.9 | 7.1 | 167.2% | |
| Capital adequacy ratio | % | 15.4 | 16.5 | 93.3% | |
| Net NPAs | % | 1.6 | 1.3 | 125.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 29,829 | -13.6% | |
| From Investments | Rs m | -1,235 | -2,673 | 46.2% | |
| From Financial Activity | Rs m | 6,376 | -3,358 | -189.9% | |
| Net Cashflow | Rs m | 1,070 | 25,801 | 4.1% | |
Share Holding
| Indian Promoters | % | 59.4 | 95.4 | 62.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 1.4 | 1,102.2% | |
| FIIs | % | 7.0 | 0.0 | 23,300.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 4.6 | 880.7% | |
| Shareholders | 215,294 | 739,097 | 29.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs UCO Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
J&K Bank vs UCO Bank Share Price Performance
| Period | J&K Bank | UCO Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.10% | -0.62% | 1.02% |
| 1-Month | -2.69% | 6.98% | 2.05% |
| 1-Year | 152.51% | 95.37% | 12.30% |
| 3-Year CAGR | 77.48% | 69.63% | 14.92% |
| 5-Year CAGR | 16.99% | 23.93% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UCO Bank share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of UCO Bank the stake stands at 95.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of UCO Bank.
Finally, a word on dividends...
In the most recent financial year, J&K Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 4.4%.
UCO Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of UCO Bank.
For a sector overview, read our banking sector report.
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