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KARUR VYSYA BANK vs UNITED BANK OF INDIA - Comparison Results

Rs 100 invested in...

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Current Valuations

    KARUR VYSYA BANK UNITED BANK OF INDIA KARUR VYSYA BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 9.9 9.3 106.4% View Chart
P/BV x 1.7 0.4 484.3% View Chart
Dividend Yield % 1.1 0.0 -  

Financials

 KARUR VYSYA BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    KARUR VYSYA BANK
Mar-23
UNITED BANK OF INDIA
Mar-19
KARUR VYSYA BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs11615 783.8%   
Low Rs429 461.3%   
Income per share (Unadj.) Rs81.211.5 705.0%  
Earnings per share (Unadj.) Rs13.8-3.1 -442.3%  
Cash flow per share (Unadj.) Rs26.2-7.2 -362.6%  
Dividends per share (Unadj.) Rs2.000-  
Avg Dividend yield %2.50-  
Book value per share (Unadj.) Rs107.015.5 691.2%  
Shares outstanding (eoy) m802.057,427.92 10.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.01.0 93.8%   
Avg P/E ratio x5.7-3.8 -149.5%  
Avg P/CF ratio x2.66.3 40.7%  
Avg Price/Bookvalue ratio x0.70.8 95.7%  
Dividend payout %14.50-   
Avg Mkt Cap Rs m63,26288,578 71.4%   
No. of employees `000NANA-   
Total wages & salary Rs m10,06019,545 51.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m65,16685,599 76.1%  
Other income Rs m11,58923,846 48.6%   
Interest expense Rs m31,67765,853 48.1%   
Net interest income Rs m33,48819,746 169.6%  
Operating expense Rs m20,32029,476 68.9%   
Gross profit Rs m13,168-9,730 -135.3%  
Gross profit margin %20.2-11.4 -177.8%  
Provisions/contingencies Rs m13,69737,275 36.7%   
Profit before tax Rs m14,369-45,809 -31.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,308-22,650 -14.6%   
Profit after tax Rs m11,061-23,159 -47.8%  
Net profit margin %17.0-27.1 -62.7%  
BALANCE SHEET DATA
Advances Rs m631,341669,551 94.3%   
Deposits Rs m766,3761,349,833 56.8%  
Credit/Deposit ratio x82.449.6 166.1%  
Yield on advances %8.47.6 111.6%   
Cost of deposits %4.04.7 85.4%   
Net Interest Margin %4.11.5 264.8%  
Net fixed assets Rs m4,17612,341 33.8%   
Share capital Rs m1,60474,279 2.2%   
Free reserves Rs m84,21440,710 206.9%   
Net worth Rs m85,818114,989 74.6%   
Borrowings Rs m14,32022,037 65.0%   
Investments Rs m188,083609,760 30.8%   
Total assets Rs m901,7941,515,299 59.5%  
Debt/equity ratio x9.111.9 76.3%   
Return on assets %1.2-1.5 -80.3%  
Return on equity %12.9-20.1 -64.0%  
Capital adequacy ratio %18.613.0 142.8%  
Net NPAs %0.78.7 8.5%  
CASH FLOW
From Operations Rs m12,172-150,737 -8.1%  
From Investments Rs m-12,702-732 1,734.5%  
From Financial Activity Rs m-1,78145,761 -3.9%  
Net Cashflow Rs m-2,310-105,708 2.2%  

Share Holding

Indian Promoters % 2.2 97.4 2.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 50.8 1.2 4,127.6%  
FIIs % 15.6 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 97.8 2.6 3,775.3%  
Shareholders   232,052 101,958 227.6%  
Pledged promoter(s) holding % 7.3 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARUR VYSYA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Karur Vysya Bank vs United Bank of India

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

Here's a brief comparison:

Karur Vysya Bank vs United Bank of India Share Price Performance

Period Karur Vysya Bank United Bank of India S&P BSE BANKEX
1-Day -0.81% -0.44% 0.82%
1-Month -1.72% -42.19% 2.48%
1-Year 86.47% -59.60% 19.28%
3-Year CAGR 48.74% -43.77% 12.00%
5-Year CAGR 20.82% -31.10% 9.40%

* Compound Annual Growth Rate

Here are more details on the Karur Vysya Bank share price and the United Bank of India share price.

Moving on to shareholding structures...

The promoters of Karur Vysya Bank hold a 2.2% stake in the company. In case of United Bank of India the stake stands at 97.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Karur Vysya Bank and the shareholding pattern of United Bank of India.

Finally, a word on dividends...

In the most recent financial year, Karur Vysya Bank paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 14.5%.

United Bank of India paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

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

For a sector overview, read our banking sector report.



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