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PUNJAB & SIND BANK vs UNION BANK - Comparison Results

UNION BANK 
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Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    PUNJAB & SIND BANK UNION BANK PUNJAB & SIND BANK/
UNION BANK
 
P/E (TTM) x -1.5 -0.8 - View Chart
P/BV x 0.1 0.1 118.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-19
UNION BANK
Mar-19
PUNJAB & SIND BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs40106 38.1%   
Low Rs2461 39.1%   
Income per share (Unadj.) Rs151.5194.6 77.8%  
Earnings per share (Unadj.) Rs-9.6-16.6 58.0%  
Cash flow per share (Unadj.) Rs-30.4-42.9 70.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs97.9151.6 64.6%  
Shares outstanding (eoy) m564.911,763.02 32.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.4 49.4%   
Avg P/E ratio x-3.3-5.0 66.3%  
Avg P/CF ratio x0.91.7 52.2%  
Avg Price/Bookvalue ratio x0.30.6 59.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m18,162147,388 12.3%   
No. of employees `0008.937.3 24.0%   
Total wages & salary Rs m11,75832,372 36.3%   
Avg. income/employee Rs Th9,564.99,208.8 103.9%   
Avg. wages/employee Rs Th1,314.0868.8 151.3%   
Avg. net profit/employee Rs Th-607.4-784.3 77.4%   
INCOME DATA
Interest income Rs m85,587343,137 24.9%  
Other income Rs m4,88650,417 9.7%   
Interest expense Rs m62,790238,961 26.3%   
Net interest income Rs m22,797104,176 21.9%  
Operating expense Rs m17,11178,562 21.8%   
Gross profit Rs m5,68625,614 22.2%  
Gross profit margin %6.67.5 89.0%  
Provisions/contingencies Rs m25,709115,157 22.3%   
Profit before tax Rs m-8,588-39,016 22.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-3,153-9,792 32.2%   
Profit after tax Rs m-5,435-29,224 18.6%  
Net profit margin %-6.3-8.5 74.6%  
BALANCE SHEET DATA
Advances Rs m691,7552,987,801 23.2%   
Deposits Rs m985,5764,175,048 23.6%  
Credit/Deposit ratio x70.271.6 98.1%  
Yield on advances %8.78.0 109.1%   
Cost of deposits %6.15.3 114.8%   
Net Interest Margin %2.22.2 100.9%  
Net fixed assets Rs m12,30437,745 32.6%   
Share capital Rs m5,64917,630 32.0%   
Free reserves Rs m25,976249,686 10.4%   
Net worth Rs m55,318267,317 20.7%   
Borrowings Rs m27,140432,756 6.3%   
Investments Rs m261,7291,283,912 20.4%   
Total assets Rs m1,089,8214,985,805 21.9%  
Debt/equity ratio x18.317.2 106.2%   
Return on assets %-0.5-0.6 85.1%  
Return on equity %-9.8-10.9 89.9%  
Capital adequacy ratio %10.911.8 92.8%  
Net NPAs %7.26.9 105.4%  
CASH FLOW
From Operations Rs m-973-77,784 1.3%  
From Investments Rs m-611-2,971 20.6%  
From Financial Activity Rs m-3,56117,582 -20.3%  
Net Cashflow Rs m-5,145-63,173 8.1%  

Share Holding

Indian Promoters % 79.6 60.1 132.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 16.6 65.1%  
FIIs % 1.8 8.5 21.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 14.8 52.7%  
Shareholders   150,895 235,817 64.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   J&K BANK  CORPORATION BANK  SBI  SYNDICATE BANK  ICICI BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Related Views on News

PUNJAB & SIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 92.4% (Quarterly Result Update)

Aug 13, 2019 | Updated on Aug 13, 2019

For the quarter ended June 2019, PUNJAB & SIND BANK has posted a net profit of Rs 303 m (up 92.4% YoY). Sales on the other hand came in at Rs 21 bn (down 5.2% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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Jan 23, 2020 (Close)

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