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UNION BANK vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK BANK OF BARODA UNION BANK/
BANK OF BARODA
 
P/E (TTM) x 8.9 7.4 120.2% View Chart
P/BV x 1.5 1.3 114.3% View Chart
Dividend Yield % 2.0 2.1 93.9%  

Financials

 UNION BANK   BANK OF BARODA
EQUITY SHARE DATA
    UNION BANK
Mar-23
BANK OF BARODA
Mar-23
UNION BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs96197 48.9%   
Low Rs3490 37.3%   
Income per share (Unadj.) Rs118.8182.0 65.2%  
Earnings per share (Unadj.) Rs12.528.8 43.2%  
Cash flow per share (Unadj.) Rs27.269.5 39.1%  
Dividends per share (Unadj.) Rs3.005.50 54.5%  
Avg Dividend yield %4.63.8 120.5%  
Book value per share (Unadj.) Rs115.3203.1 56.8%  
Shares outstanding (eoy) m6,834.755,171.36 132.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.8 69.4%   
Avg P/E ratio x5.25.0 104.8%  
Avg P/CF ratio x1.72.4 70.9%  
Avg Price/Bookvalue ratio x0.60.7 79.7%  
Dividend payout %24.119.1 126.2%   
Avg Mkt Cap Rs m444,088742,349 59.8%   
No. of employees `000NANA-   
Total wages & salary Rs m125,240143,427 87.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632941,386 86.2%  
Other income Rs m159,154166,394 95.6%   
Interest expense Rs m480,328499,422 96.2%   
Net interest income Rs m331,303441,964 75.0%  
Operating expense Rs m234,873306,445 76.6%   
Gross profit Rs m96,430135,520 71.2%  
Gross profit margin %11.914.4 82.5%  
Provisions/contingencies Rs m171,280155,035 110.5%   
Profit before tax Rs m121,465205,645 59.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,000 -0.0%   
Prior Period Items Rs m8133,173 25.6%   
Tax Rs m37,16258,767 63.2%   
Profit after tax Rs m85,117149,052 57.1%  
Net profit margin %10.515.8 66.2%  
BALANCE SHEET DATA
Advances Rs m7,642,7679,636,518 79.3%   
Deposits Rs m11,203,21912,346,820 90.7%  
Credit/Deposit ratio x68.278.0 87.4%  
Yield on advances %7.46.8 109.0%   
Cost of deposits %4.03.5 114.0%   
Net Interest Margin %3.03.2 92.1%  
Net fixed assets Rs m88,25888,760 99.4%   
Share capital Rs m69,38810,355 670.1%   
Free reserves Rs m718,6481,040,192 69.1%   
Net worth Rs m788,0351,050,547 75.0%   
Borrowings Rs m427,3661,079,102 39.6%   
Investments Rs m3,437,2703,974,872 86.5%   
Total assets Rs m12,883,57115,258,790 84.4%  
Debt/equity ratio x14.812.8 115.5%   
Return on assets %0.71.0 67.6%  
Return on equity %10.814.2 76.1%  
Capital adequacy ratio %16.016.2 98.8%  
Net NPAs %1.70.9 191.0%  
CASH FLOW
From Operations Rs m61,114-212,706 -28.7%  
From Investments Rs m-25,611-10,963 233.6%  
From Financial Activity Rs m-106,541-54,884 194.1%  
Net Cashflow Rs m-71,038-278,552 25.5%  

Share Holding

Indian Promoters % 77.0 64.0 120.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 28.3 57.5%  
FIIs % 4.0 12.3 32.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 36.0 63.9%  
Shareholders   874,309 1,289,443 67.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Union Bank vs Bank of Baroda

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 Bank of Baroda Share Price Performance

Period Union Bank Bank of Baroda S&P BSE BANKEX
1-Day 1.42% 2.07% 0.82%
1-Month 9.02% 0.96% 2.48%
1-Year 149.11% 64.35% 19.28%
3-Year CAGR 65.10% 54.03% 12.00%
5-Year CAGR 9.71% 15.31% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

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 Bank of Baroda.

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%.

Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.

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

For a sector overview, read our banking sector report.



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