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KOTAK MAHINDRA BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    KOTAK MAHINDRA BANK UJJIVAN SMALL FINANCE BANK KOTAK MAHINDRA BANK/
UJJIVAN SMALL FINANCE BANK
 
P/E (TTM) x 20.6 6.9 299.6% View Chart
P/BV x 3.2 2.1 151.9% View Chart
Dividend Yield % 0.1 2.8 3.0%  

Financials

 KOTAK MAHINDRA BANK   UJJIVAN SMALL FINANCE BANK
EQUITY SHARE DATA
    KOTAK MAHINDRA BANK
Mar-23
UJJIVAN SMALL FINANCE BANK
Mar-23
KOTAK MAHINDRA BANK/
UJJIVAN SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs1,99734 5,961.2%   
Low Rs1,63014 12,074.1%   
Income per share (Unadj.) Rs212.221.3 995.8%  
Earnings per share (Unadj.) Rs75.15.6 1,335.2%  
Cash flow per share (Unadj.) Rs242.314.8 1,642.0%  
Dividends per share (Unadj.) Rs1.501.25 120.0%  
Avg Dividend yield %0.15.3 1.6%  
Book value per share (Unadj.) Rs565.121.3 2,656.5%  
Shares outstanding (eoy) m1,986.561,954.71 101.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x8.51.1 775.0%   
Avg P/E ratio x24.14.2 578.0%  
Avg P/CF ratio x17.83.1 575.7%  
Avg Price/Bookvalue ratio x3.21.1 290.5%  
Dividend payout %2.022.2 9.0%   
Avg Mkt Cap Rs m3,602,62045,936 7,842.8%   
No. of employees `000NANA-   
Total wages & salary Rs m84,7909,203 921.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m421,51141,650 1,012.0%  
Other income Rs m259,9105,892 4,411.3%   
Interest expense Rs m144,11114,671 982.3%   
Net interest income Rs m277,39926,979 1,028.2%  
Operating expense Rs m336,45018,021 1,867.0%   
Gross profit Rs m-59,0518,958 -659.2%  
Gross profit margin %-14.021.5 -65.1%  
Provisions/contingencies Rs m53,0543,851 1,377.6%   
Profit before tax Rs m196,46214,672 1,339.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m1,4460-   
Tax Rs m48,6573,673 1,324.7%   
Profit after tax Rs m149,25010,999 1,356.9%  
Net profit margin %35.426.4 134.1%  
BALANCE SHEET DATA
Advances Rs m3,591,075212,897 1,686.8%   
Deposits Rs m3,612,726255,377 1,414.7%  
Credit/Deposit ratio x99.483.4 119.2%  
Yield on advances %8.617.4 49.1%   
Cost of deposits %3.35.2 63.2%   
Net Interest Margin %5.09.1 55.3%  
Net fixed assets Rs m22,6122,653 852.3%   
Share capital Rs m14,93321,547 69.3%   
Free reserves Rs m1,107,60820,032 5,529.2%   
Net worth Rs m1,122,54141,579 2,699.8%   
Borrowings Rs m570,33926,415 2,159.2%   
Investments Rs m1,953,38085,103 2,295.3%   
Total assets Rs m6,204,297333,169 1,862.2%  
Debt/equity ratio x3.76.8 55.0%   
Return on assets %2.43.3 72.9%  
Return on equity %13.326.5 50.3%  
Capital adequacy ratio %20.825.8 80.5%  
Net NPAs %0.40 925.0%  
CASH FLOW
From Operations Rs m-12,42410,598 -117.2%  
From Investments Rs m-105,502-20,957 503.4%  
From Financial Activity Rs m18,83011,864 158.7%  
Net Cashflow Rs m-97,4011,505 -6,471.7%  

Share Holding

Indian Promoters % 25.9 73.6 35.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 61.1 7.7 794.7%  
FIIs % 38.1 3.7 1,029.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 74.1 26.4 280.6%  
Shareholders   634,698 598,080 106.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KOTAK MAHINDRA BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Kotak 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:

Kotak Bank vs UJJIVAN SMALL FINANCE BANK Share Price Performance

Period Kotak Bank UJJIVAN SMALL FINANCE BANK S&P BSE BANKEX
1-Day 0.80% 0.23% 0.82%
1-Month 6.31% -13.49% 2.48%
1-Year 5.38% 75.17% 19.28%
3-Year CAGR 0.17% 13.62% 12.00%
5-Year CAGR 5.98% -4.55% 9.40%

* Compound Annual Growth Rate

Here are more details on the Kotak Bank share price and the UJJIVAN SMALL FINANCE BANK share price.

Moving on to shareholding structures...

The promoters of Kotak Bank hold a 25.9% 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 Kotak Bank and the shareholding pattern of UJJIVAN SMALL FINANCE BANK.

Finally, a word on dividends...

In the most recent financial year, Kotak Bank paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 2.0%.

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 Kotak Bank, and the dividend history of UJJIVAN SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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