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PNB vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB UNION BANK PNB/
UNION BANK
 
P/E (TTM) x 19.6 8.9 221.4% View Chart
P/BV x 1.3 1.5 89.5% View Chart
Dividend Yield % 0.5 2.0 26.7%  

Financials

 PNB   UNION BANK
EQUITY SHARE DATA
    PNB
Mar-23
UNION BANK
Mar-23
PNB/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs6296 64.4%   
Low Rs2834 83.6%   
Income per share (Unadj.) Rs78.9118.8 66.4%  
Earnings per share (Unadj.) Rs3.012.5 24.4%  
Cash flow per share (Unadj.) Rs8.727.2 32.1%  
Dividends per share (Unadj.) Rs0.653.00 21.7%  
Avg Dividend yield %1.44.6 31.2%  
Book value per share (Unadj.) Rs93.4115.3 81.0%  
Shares outstanding (eoy) m11,011.026,834.75 161.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.60.5 104.4%   
Avg P/E ratio x14.85.2 283.9%  
Avg P/CF ratio x2.11.7 123.4%  
Avg Price/Bookvalue ratio x0.50.6 85.6%  
Dividend payout %21.424.1 88.7%   
Avg Mkt Cap Rs m496,046444,088 111.7%   
No. of employees `000NANA-   
Total wages & salary Rs m149,426125,240 119.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,453811,632 107.0%  
Other income Rs m122,396159,154 76.9%   
Interest expense Rs m518,170480,328 107.9%   
Net interest income Rs m350,283331,303 105.7%  
Operating expense Rs m243,357234,873 103.6%   
Gross profit Rs m106,92696,430 110.9%  
Gross profit margin %12.311.9 103.6%  
Provisions/contingencies Rs m198,629171,280 116.0%   
Profit before tax Rs m48,614121,465 40.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1030-   
Prior Period Items Rs m2,894813 355.9%   
Tax Rs m17,92137,162 48.2%   
Profit after tax Rs m33,48585,117 39.3%  
Net profit margin %3.910.5 36.8%  
BALANCE SHEET DATA
Advances Rs m8,374,5907,642,767 109.6%   
Deposits Rs m12,903,47111,203,219 115.2%  
Credit/Deposit ratio x64.968.2 95.1%  
Yield on advances %6.97.4 92.7%   
Cost of deposits %3.64.0 92.0%   
Net Interest Margin %2.83.0 93.4%  
Net fixed assets Rs m120,84088,258 136.9%   
Share capital Rs m22,02269,388 31.7%   
Free reserves Rs m1,006,783718,648 140.1%   
Net worth Rs m1,028,805788,035 130.6%   
Borrowings Rs m701,486427,366 164.1%   
Investments Rs m4,169,1383,437,270 121.3%   
Total assets Rs m14,936,49012,883,571 115.9%  
Debt/equity ratio x13.214.8 89.6%   
Return on assets %0.20.7 33.9%  
Return on equity %3.310.8 30.1%  
Capital adequacy ratio %15.516.0 96.6%  
Net NPAs %2.71.7 160.0%  
CASH FLOW
From Operations Rs m225,92161,114 369.7%  
From Investments Rs m-7,325-25,611 28.6%  
From Financial Activity Rs m12,750-106,541 -12.0%  
Net Cashflow Rs m231,346-71,038 -325.7%  

Share Holding

Indian Promoters % 73.2 77.0 95.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 16.3 103.6%  
FIIs % 3.1 4.0 78.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 23.0 116.7%  
Shareholders   2,163,625 874,309 247.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on PNB 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:

PNB vs Union Bank Share Price Performance

Period PNB Union Bank S&P BSE BANKEX
1-Day 1.30% 1.42% 0.82%
1-Month 3.02% 9.02% 2.48%
1-Year 176.83% 149.11% 19.28%
3-Year CAGR 50.95% 65.10% 12.00%
5-Year CAGR 5.45% 9.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the PNB share price and the Union Bank share price.

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% 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 PNB and the shareholding pattern of Union Bank.

Finally, a word on dividends...

In the most recent financial year, PNB paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 21.4%.

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 PNB, and the dividend history of Union Bank.

For a sector overview, read our banking sector report.



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