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UNION BANK vs HDFC BANK - Comparison Results

UNION BANK     Change

Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

HDFC BANK 
   Change

HDFC Bank remains the Gold standard when it comes to its solid execution capabilities and pristine loan book. Headquartered in Mumbai, HDFC Bank is a new generation private sector bank providing a wide range of banking services covering commercial an... More

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Current Valuations

    UNION BANK HDFC BANK UNION BANK/
HDFC BANK
 
P/E (TTM) x -0.5 23.5 - View Chart
P/BV x 0.1 3.8 1.5% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNION BANK   HDFC BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
HDFC BANK
Mar-20
UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs1061,304 8.1%   
Low Rs61739 8.3%   
Income per share (Unadj.) Rs194.6222.8 87.3%  
Earnings per share (Unadj.) Rs-16.649.7 -33.3%  
Cash flow per share (Unadj.) Rs-42.9102.8 -41.7%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs151.6321.6 47.1%  
Shares outstanding (eoy) m1,763.025,483.29 32.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.44.6 9.4%   
Avg P/E ratio x-5.020.6 -24.5%  
Avg P/CF ratio x1.713.5 12.7%  
Avg Price/Bookvalue ratio x0.63.2 17.4%  
Dividend payout %05.0 0.0%   
Avg Mkt Cap Rs m147,3885,601,181 2.6%   
No. of employees `00037.3117.0 31.9%   
Total wages & salary Rs m32,372129,201 25.1%   
Avg. income/employee Rs Th9,208.810,446.1 88.2%   
Avg. wages/employee Rs Th868.81,104.6 78.7%   
Avg. net profit/employee Rs Th-784.32,330.0 -33.7%   
INCOME DATA
Interest income Rs m343,1371,221,893 28.1%  
Other income Rs m50,417248,790 20.3%   
Interest expense Rs m238,961621,374 38.5%   
Net interest income Rs m104,176600,519 17.3%  
Operating expense Rs m78,562330,361 23.8%   
Gross profit Rs m25,614270,158 9.5%  
Gross profit margin %7.522.1 33.8%  
Provisions/contingencies Rs m115,157142,487 80.8%   
Profit before tax Rs m-39,016375,615 -10.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0423 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,792103,498 -9.5%   
Profit after tax Rs m-29,224272,540 -10.7%  
Net profit margin %-8.522.3 -38.2%  
BALANCE SHEET DATA
Advances Rs m2,987,80110,436,709 28.6%   
Deposits Rs m4,175,04811,462,071 36.4%  
Credit/Deposit ratio x71.691.1 78.6%  
Yield on advances %8.09.5 84.1%   
Cost of deposits %5.34.4 119.5%   
Net Interest Margin %2.23.9 56.1%  
Net fixed assets Rs m37,74546,269 81.6%   
Share capital Rs m17,6305,483 321.5%   
Free reserves Rs m249,6861,758,104 14.2%   
Net worth Rs m267,3171,763,587 15.2%   
Borrowings Rs m432,7561,868,343 23.2%   
Investments Rs m1,283,9123,893,050 33.0%   
Total assets Rs m4,985,80515,808,304 31.5%  
Debt/equity ratio x17.27.6 228.0%   
Return on assets %-0.61.7 -34.0%  
Return on equity %-10.915.5 -70.7%  
Capital adequacy ratio %11.818.5 63.7%  
Net NPAs %6.90.4 1,902.8%  
CASH FLOW
From Operations Rs m-77,784-168,691 46.1%  
From Investments Rs m-2,971-16,169 18.4%  
From Financial Activity Rs m17,582243,945 7.2%  
Net Cashflow Rs m-63,17361,225 -103.2%  

Share Holding

Indian Promoters % 60.1 22.6 265.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 9.9 167.7%  
FIIs % 8.5 34.1 24.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 14.8 16.4 90.2%  
Shareholders   235,817 415,166 56.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   ICICI BANK  ING VYSYA BANK  RBL BANK  INDUSIND BANK  DENA BANK  

Compare UNION BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Oct 20, 2020 (Close)

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