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UNION BANK vs ANDHRA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK ANDHRA BANK UNION BANK/
ANDHRA BANK
 
P/E (TTM) x 8.9 -3.0 - View Chart
P/BV x 1.5 0.2 699.7% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 UNION BANK   ANDHRA BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
ANDHRA BANK
Mar-19
UNION BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs9647 205.1%   
Low Rs3423 147.8%   
Income per share (Unadj.) Rs118.866.6 178.4%  
Earnings per share (Unadj.) Rs12.5-9.5 -131.0%  
Cash flow per share (Unadj.) Rs27.2-18.0 -151.2%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %4.60-  
Book value per share (Unadj.) Rs115.346.2 249.5%  
Shares outstanding (eoy) m6,834.752,884.49 236.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.5 104.5%   
Avg P/E ratio x5.2-3.7 -142.3%  
Avg P/CF ratio x1.72.0 87.6%  
Avg Price/Bookvalue ratio x0.60.8 74.7%  
Dividend payout %24.10-   
Avg Mkt Cap Rs m444,088100,524 441.8%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24023,015 544.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632192,029 422.7%  
Other income Rs m159,15430,881 515.4%   
Interest expense Rs m480,328122,243 392.9%   
Net interest income Rs m331,30369,786 474.7%  
Operating expense Rs m234,87350,058 469.2%   
Gross profit Rs m96,43019,728 488.8%  
Gross profit margin %11.910.3 115.6%  
Provisions/contingencies Rs m171,28078,280 218.8%   
Profit before tax Rs m121,465-23,913 -508.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m813251 324.0%   
Tax Rs m37,1623,758 988.9%   
Profit after tax Rs m85,117-27,420 -310.4%  
Net profit margin %10.5-14.3 -73.4%  
BALANCE SHEET DATA
Advances Rs m7,642,7671,588,479 481.1%   
Deposits Rs m11,203,2192,198,529 509.6%  
Credit/Deposit ratio x68.272.3 94.4%  
Yield on advances %7.48.9 83.4%   
Cost of deposits %4.05.2 75.9%   
Net Interest Margin %3.03.1 96.7%  
Net fixed assets Rs m88,25815,649 564.0%   
Share capital Rs m69,38828,845 240.6%   
Free reserves Rs m718,648104,472 687.9%   
Net worth Rs m788,035133,317 591.1%   
Borrowings Rs m427,366103,146 414.3%   
Investments Rs m3,437,270669,148 513.7%   
Total assets Rs m12,883,5712,540,440 507.1%  
Debt/equity ratio x14.817.3 85.5%   
Return on assets %0.7-1.1 -61.2%  
Return on equity %10.8-20.6 -52.5%  
Capital adequacy ratio %16.013.7 117.3%  
Net NPAs %1.75.7 29.7%  
CASH FLOW
From Operations Rs m61,11429,181 209.4%  
From Investments Rs m-25,611-837 3,058.4%  
From Financial Activity Rs m-106,541-37,515 284.0%  
Net Cashflow Rs m-71,038-9,099 780.7%  

Share Holding

Indian Promoters % 77.0 88.3 87.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 3.8 424.5%  
FIIs % 4.0 0.6 640.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 11.8 195.8%  
Shareholders   874,309 238,812 366.1%  
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 Andhra 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 Andhra Bank Share Price Performance

Period Union Bank Andhra Bank S&P BSE BANKEX
1-Day 3.51% -2.66% 0.04%
1-Month 8.57% -38.86% 0.11%
1-Year 141.11% -65.18% 18.30%
3-Year CAGR 63.31% -45.56% 11.49%
5-Year CAGR 12.84% -35.02% 9.74%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of Andhra Bank the stake stands at 88.3%.

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 Andhra 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%.

Andhra 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 Andhra Bank.

For a sector overview, read our banking sector report.



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