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UNION BANK vs BANDHAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK BANDHAN BANK UNION BANK/
BANDHAN BANK
 
P/E (TTM) x 7.5 12.0 62.4% View Chart
P/BV x 0.8 2.3 33.4% View Chart
Dividend Yield % 2.4 0.0 -  

Financials

 UNION BANK   BANDHAN BANK
EQUITY SHARE DATA
    UNION BANK
Mar-22
BANDHAN BANK
Mar-22
UNION BANK/
BANDHAN BANK
5-Yr Chart
Click to enlarge
High Rs55365 15.0%   
Low Rs32230 14.0%   
Income per share (Unadj.) Rs99.886.1 115.9%  
Earnings per share (Unadj.) Rs7.70.8 986.5%  
Cash flow per share (Unadj.) Rs17.1-26.3 -64.9%  
Dividends per share (Unadj.) Rs1.900-  
Avg Dividend yield %4.40-  
Book value per share (Unadj.) Rs103.7107.9 96.1%  
Shares outstanding (eoy) m6,834.751,610.77 424.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.43.5 12.6%   
Avg P/E ratio x5.6380.6 1.5%  
Avg P/CF ratio x1.46.0 22.7%  
Avg Price/Bookvalue ratio x0.42.8 15.2%  
Dividend payout %24.70-   
Avg Mkt Cap Rs m297,312478,800 62.1%   
No. of employees `000NANA-   
Total wages & salary Rs m102,63721,349 480.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m682,297138,711 491.9%  
Other income Rs m135,24428,228 479.1%   
Interest expense Rs m401,78551,571 779.1%   
Net interest income Rs m280,51287,140 321.9%  
Operating expense Rs m197,02635,234 559.2%   
Gross profit Rs m83,48651,906 160.8%  
Gross profit margin %12.237.4 32.7%  
Provisions/contingencies Rs m166,64578,876 211.3%   
Profit before tax Rs m85,6631,286 6,660.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m5680-   
Tax Rs m33,57828 118,651.6%   
Profit after tax Rs m52,6531,258 4,185.7%  
Net profit margin %7.70.9 850.9%  
BALANCE SHEET DATA
Advances Rs m6,633,557939,749 705.9%   
Deposits Rs m10,343,678963,306 1,073.8%  
Credit/Deposit ratio x64.197.6 65.7%  
Yield on advances %6.813.0 52.7%   
Cost of deposits %3.64.5 80.8%   
Net Interest Margin %2.87.1 39.0%  
Net fixed assets Rs m71,7134,146 1,729.8%   
Share capital Rs m69,38816,108 430.8%   
Free reserves Rs m639,224157,651 405.5%   
Net worth Rs m708,611173,759 407.8%   
Borrowings Rs m512,452199,212 257.2%   
Investments Rs m3,518,390290,787 1,210.0%   
Total assets Rs m11,937,6561,388,665 859.6%  
Debt/equity ratio x15.36.7 229.0%   
Return on assets %0.40.1 486.9%  
Return on equity %7.40.7 1,026.4%  
Capital adequacy ratio %14.520.1 72.2%  
Net NPAs %3.71.7 221.7%  
CASH FLOW
From Operations Rs m363,3899,020 4,028.5%  
From Investments Rs m-5,577-6,118 91.2%  
From Financial Activity Rs m-7,86328,028 -28.1%  
Net Cashflow Rs m349,94930,930 1,131.4%  

Share Holding

Indian Promoters % 83.5 40.0 208.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.0 44.9 22.3%  
FIIs % 1.6 32.4 5.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 16.5 60.0 27.5%  
Shareholders   780,208 527,503 147.9%  
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    PNB    SBI    


More on Union Bank vs BANDHAN 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 BANDHAN BANK Share Price Performance

Period Union Bank BANDHAN BANK S&P BSE BANKEX
1-Day 4.39% 1.03% 0.62%
1-Month -3.69% 1.71% -6.21%
1-Year 65.23% -22.63% 5.76%
3-Year CAGR 16.41% -18.45% 9.30%
5-Year CAGR -10.48% -12.54% 8.26%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 83.5% stake in the company. In case of BANDHAN BANK the stake stands at 40.0%.

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

Finally, a word on dividends...

In the most recent financial year, Union Bank paid a dividend of Rs 1.9 per share. This amounted to a Dividend Payout ratio of 24.7%.

BANDHAN 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 BANDHAN BANK.

For a sector overview, read our banking sector report.



Today's Market

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After opening the day on a positive note, Indian share markets swung between gains and losses to trade on a volatile session throughout the day.