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UCO BANK vs KARUR VYSYA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UCO BANK KARUR VYSYA BANK UCO BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 36.5 9.9 369.8% View Chart
P/BV x 2.4 1.7 142.5% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 UCO BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    UCO BANK
Mar-23
KARUR VYSYA BANK
Mar-23
UCO BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs38116 32.9%   
Low Rs1142 25.2%   
Income per share (Unadj.) Rs14.881.2 18.2%  
Earnings per share (Unadj.) Rs1.513.8 11.1%  
Cash flow per share (Unadj.) Rs4.926.2 18.9%  
Dividends per share (Unadj.) Rs02.00 0.0%  
Avg Dividend yield %02.5 0.0%  
Book value per share (Unadj.) Rs21.4107.0 20.0%  
Shares outstanding (eoy) m11,955.96802.05 1,490.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.61.0 169.8%   
Avg P/E ratio x15.95.7 278.5%  
Avg P/CF ratio x6.82.6 264.5%  
Avg Price/Bookvalue ratio x1.10.7 154.2%  
Dividend payout %014.5 0.0%   
Avg Mkt Cap Rs m290,94863,262 459.9%   
No. of employees `000NANA-   
Total wages & salary Rs m38,72710,060 385.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m176,50565,166 270.9%  
Other income Rs m25,08511,589 216.4%   
Interest expense Rs m103,07431,677 325.4%   
Net interest income Rs m73,43133,488 219.3%  
Operating expense Rs m55,10920,320 271.2%   
Gross profit Rs m18,32213,168 139.1%  
Gross profit margin %10.420.2 51.4%  
Provisions/contingencies Rs m24,78313,697 180.9%   
Profit before tax Rs m29,05114,369 202.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-3610-   
Tax Rs m10,4283,308 315.3%   
Profit after tax Rs m18,26311,061 165.1%  
Net profit margin %10.317.0 61.0%  
BALANCE SHEET DATA
Advances Rs m1,558,702631,341 246.9%   
Deposits Rs m2,493,377766,376 325.3%  
Credit/Deposit ratio x62.582.4 75.9%  
Yield on advances %6.68.4 78.6%   
Cost of deposits %3.84.0 94.4%   
Net Interest Margin %2.94.1 71.6%  
Net fixed assets Rs m34,4454,176 824.8%   
Share capital Rs m119,5601,604 7,453.3%   
Free reserves Rs m136,47784,214 162.1%   
Net worth Rs m256,03785,818 298.3%   
Borrowings Rs m205,01114,320 1,431.6%   
Investments Rs m950,085188,083 505.1%   
Total assets Rs m3,007,022901,794 333.4%  
Debt/equity ratio x10.59.1 115.9%   
Return on assets %0.61.2 49.5%  
Return on equity %7.112.9 55.3%  
Capital adequacy ratio %16.518.6 89.0%  
Net NPAs %1.30.7 174.3%  
CASH FLOW
From Operations Rs m29,82912,172 245.1%  
From Investments Rs m-2,673-12,702 21.0%  
From Financial Activity Rs m-3,358-1,781 188.6%  
Net Cashflow Rs m25,801-2,310 -1,116.7%  

Share Holding

Indian Promoters % 95.4 2.2 4,296.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 50.8 2.6%  
FIIs % 0.0 15.6 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 4.6 97.8 4.7%  
Shareholders   610,166 232,052 262.9%  
Pledged promoter(s) holding % 0.0 7.3 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UCO BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on UCO Bank vs Karur Vysya Bank

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

Here's a brief comparison:

UCO Bank vs Karur Vysya Bank Share Price Performance

Period UCO Bank Karur Vysya Bank S&P BSE BANKEX
1-Day 5.35% -0.81% 0.82%
1-Month -5.21% -1.72% 2.48%
1-Year 131.68% 86.47% 19.28%
3-Year CAGR 68.32% 48.74% 12.00%
5-Year CAGR 22.35% 20.82% 9.40%

* Compound Annual Growth Rate

Here are more details on the UCO Bank share price and the Karur Vysya Bank share price.

Moving on to shareholding structures...

The promoters of UCO Bank hold a 95.4% stake in the company. In case of Karur Vysya Bank the stake stands at 2.2%.

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

Finally, a word on dividends...

In the most recent financial year, UCO Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.

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

For a sector overview, read our banking sector report.



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