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UNION BANK vs ALLAHABAD BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK ALLAHABAD BANK UNION BANK/
ALLAHABAD BANK
 
P/E (TTM) x 8.7 -0.4 - View Chart
P/BV x 1.5 0.4 396.2% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 UNION BANK   ALLAHABAD BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
ALLAHABAD BANK
Mar-19
UNION BANK/
ALLAHABAD BANK
5-Yr Chart
Click to enlarge
High Rs9659 163.9%   
Low Rs3433 100.9%   
Income per share (Unadj.) Rs118.880.7 147.2%  
Earnings per share (Unadj.) Rs12.5-40.3 -30.9%  
Cash flow per share (Unadj.) Rs27.2-70.6 -38.5%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %4.60-  
Book value per share (Unadj.) Rs115.344.8 257.3%  
Shares outstanding (eoy) m6,834.752,096.84 326.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.6 95.9%   
Avg P/E ratio x5.2-1.1 -457.2%  
Avg P/CF ratio x1.73.6 47.8%  
Avg Price/Bookvalue ratio x0.61.0 54.9%  
Dividend payout %24.10-   
Avg Mkt Cap Rs m444,08896,507 460.2%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24025,512 490.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632169,158 479.8%  
Other income Rs m159,15420,537 775.0%   
Interest expense Rs m480,328113,543 423.0%   
Net interest income Rs m331,30355,615 595.7%  
Operating expense Rs m234,87347,862 490.7%   
Gross profit Rs m96,4307,753 1,243.7%  
Gross profit margin %11.94.6 259.2%  
Provisions/contingencies Rs m171,280111,233 154.0%   
Profit before tax Rs m121,465-82,943 -146.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m813-1,631 -49.9%   
Tax Rs m37,1620-   
Profit after tax Rs m85,117-84,574 -100.6%  
Net profit margin %10.5-50.0 -21.0%  
BALANCE SHEET DATA
Advances Rs m7,642,7671,422,122 537.4%   
Deposits Rs m11,203,2192,143,301 522.7%  
Credit/Deposit ratio x68.266.4 102.8%  
Yield on advances %7.47.9 94.6%   
Cost of deposits %4.05.0 79.7%   
Net Interest Margin %3.02.5 119.6%  
Net fixed assets Rs m88,25835,516 248.5%   
Share capital Rs m69,38820,968 330.9%   
Free reserves Rs m718,64872,989 984.6%   
Net worth Rs m788,03593,957 838.7%   
Borrowings Rs m427,366124,957 342.0%   
Investments Rs m3,437,270802,377 428.4%   
Total assets Rs m12,883,5712,495,767 516.2%  
Debt/equity ratio x14.824.1 61.1%   
Return on assets %0.7-3.4 -19.5%  
Return on equity %10.8-90.0 -12.0%  
Capital adequacy ratio %16.012.5 128.2%  
Net NPAs %1.75.2 32.6%  
CASH FLOW
From Operations Rs m61,114-158,251 -38.6%  
From Investments Rs m-25,611-1,179 2,172.2%  
From Financial Activity Rs m-106,54187,739 -121.4%  
Net Cashflow Rs m-71,038-71,691 99.1%  

Share Holding

Indian Promoters % 77.0 93.4 82.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 3.3 488.3%  
FIIs % 4.0 0.6 661.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 6.6 350.2%  
Shareholders   874,309 234,964 372.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Union Bank vs Allahabad Bank

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

Here's a brief comparison:

Union Bank vs Allahabad Bank Share Price Performance

Period Union Bank Allahabad Bank S&P BSE BANKEX
1-Day -2.15% -1.04% -0.15%
1-Month 6.23% -46.03% -0.04%
1-Year 135.92% -86.41% 18.12%
3-Year CAGR 62.05% -52.64% 11.11%
5-Year CAGR 11.32% -40.82% 9.57%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of Allahabad Bank the stake stands at 93.4%.

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

Finally, a word on dividends...

In the most recent financial year, Union Bank paid a dividend of Rs 3.0 per share. This amounted to a Dividend Payout ratio of 24.1%.

Allahabad Bank paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of Union Bank, and the dividend history of Allahabad Bank.

For a sector overview, read our banking sector report.



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