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UNION BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK HDFC BANK UNION BANK/
HDFC BANK
 
P/E (TTM) x 8.9 18.3 48.5% View Chart
P/BV x 1.5 3.8 39.0% View Chart
Dividend Yield % 2.0 1.3 149.0%  

Financials

 UNION BANK   HDFC BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
HDFC BANK
Mar-23
UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs961,722 5.6%   
Low Rs341,272 2.6%   
Income per share (Unadj.) Rs118.8306.0 38.8%  
Earnings per share (Unadj.) Rs12.582.4 15.1%  
Cash flow per share (Unadj.) Rs27.2150.0 18.1%  
Dividends per share (Unadj.) Rs3.0019.00 15.8%  
Avg Dividend yield %4.61.3 363.7%  
Book value per share (Unadj.) Rs115.3516.7 22.3%  
Shares outstanding (eoy) m6,834.755,579.74 122.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.54.9 11.2%   
Avg P/E ratio x5.218.2 28.7%  
Avg P/CF ratio x1.711.1 15.6%  
Avg Price/Bookvalue ratio x0.62.9 19.5%  
Dividend payout %24.123.0 104.5%   
Avg Mkt Cap Rs m444,0888,351,759 5.3%   
No. of employees `000NANA-   
Total wages & salary Rs m125,240200,169 62.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,6321,707,541 47.5%  
Other income Rs m159,154339,121 46.9%   
Interest expense Rs m480,328777,799 61.8%   
Net interest income Rs m331,303929,741 35.6%  
Operating expense Rs m234,873515,337 45.6%   
Gross profit Rs m96,430414,404 23.3%  
Gross profit margin %11.924.3 49.0%  
Provisions/contingencies Rs m171,280292,038 58.7%   
Profit before tax Rs m121,465614,984 19.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,516 -0.0%   
Prior Period Items Rs m8130-   
Tax Rs m37,162153,497 24.2%   
Profit after tax Rs m85,117459,971 18.5%  
Net profit margin %10.526.9 38.9%  
BALANCE SHEET DATA
Advances Rs m7,642,76716,619,493 46.0%   
Deposits Rs m11,203,21918,826,633 59.5%  
Credit/Deposit ratio x68.288.3 77.3%  
Yield on advances %7.48.2 91.1%   
Cost of deposits %4.03.3 121.3%   
Net Interest Margin %3.04.3 69.9%  
Net fixed assets Rs m88,25884,756 104.1%   
Share capital Rs m69,3885,580 1,243.6%   
Free reserves Rs m718,6482,877,623 25.0%   
Net worth Rs m788,0352,883,203 27.3%   
Borrowings Rs m427,3662,565,487 16.7%   
Investments Rs m3,437,2705,115,817 67.2%   
Total assets Rs m12,883,57125,304,324 50.9%  
Debt/equity ratio x14.87.4 198.9%   
Return on assets %0.71.8 36.3%  
Return on equity %10.816.0 67.7%  
Capital adequacy ratio %16.019.3 83.3%  
Net NPAs %1.70.3 629.6%  
CASH FLOW
From Operations Rs m61,114208,137 29.4%  
From Investments Rs m-25,611-34,239 74.8%  
From Financial Activity Rs m-106,541239,406 -44.5%  
Net Cashflow Rs m-71,038417,621 -17.0%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 83.0 19.6%  
FIIs % 4.0 52.3 7.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 100.0 23.0%  
Shareholders   874,309 3,018,247 29.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on Union Bank vs HDFC 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 HDFC Bank Share Price Performance

Period Union Bank HDFC Bank S&P BSE BANKEX
1-Day 1.42% 0.52% 0.82%
1-Month 9.02% 2.84% 2.48%
1-Year 149.11% -8.35% 19.28%
3-Year CAGR 65.10% -2.31% 12.00%
5-Year CAGR 9.71% 4.71% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of HDFC Bank the stake stands at 0.0%.

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 HDFC 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%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

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

For a sector overview, read our banking sector report.



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