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UNION BANK vs IDFC FIRST BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK IDFC FIRST BANK UNION BANK/
IDFC FIRST BANK
 
P/E (TTM) x 8.9 17.7 50.2% View Chart
P/BV x 1.5 2.1 71.7% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 UNION BANK   IDFC FIRST BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
IDFC FIRST BANK
Mar-23
UNION BANK/
IDFC FIRST BANK
5-Yr Chart
Click to enlarge
High Rs9664 149.9%   
Low Rs3429 115.9%   
Income per share (Unadj.) Rs118.834.3 345.8%  
Earnings per share (Unadj.) Rs12.53.8 331.7%  
Cash flow per share (Unadj.) Rs27.219.5 139.2%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %4.60-  
Book value per share (Unadj.) Rs115.339.0 295.6%  
Shares outstanding (eoy) m6,834.756,618.12 103.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.51.4 40.3%   
Avg P/E ratio x5.212.4 42.0%  
Avg P/CF ratio x1.76.2 28.0%  
Avg Price/Bookvalue ratio x0.61.2 47.1%  
Dividend payout %24.10-   
Avg Mkt Cap Rs m444,088308,570 143.9%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24042,786 292.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632227,278 357.1%  
Other income Rs m159,15444,673 356.3%   
Interest expense Rs m480,328100,906 476.0%   
Net interest income Rs m331,303126,372 262.2%  
Operating expense Rs m234,873121,082 194.0%   
Gross profit Rs m96,4305,289 1,823.1%  
Gross profit margin %11.92.3 510.5%  
Provisions/contingencies Rs m171,28025,113 682.0%   
Profit before tax Rs m121,46533,314 364.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1628,465 439.0%   
Profit after tax Rs m85,11724,849 342.5%  
Net profit margin %10.510.9 95.9%  
BALANCE SHEET DATA
Advances Rs m7,642,7671,517,945 503.5%   
Deposits Rs m11,203,2191,444,695 775.5%  
Credit/Deposit ratio x68.2105.1 64.9%  
Yield on advances %7.412.6 59.0%   
Cost of deposits %4.04.3 91.9%   
Net Interest Margin %3.05.9 50.3%  
Net fixed assets Rs m88,25819,145 461.0%   
Share capital Rs m69,38866,181 104.8%   
Free reserves Rs m718,648191,923 374.4%   
Net worth Rs m788,035258,104 305.3%   
Borrowings Rs m427,366572,121 74.7%   
Investments Rs m3,437,270609,133 564.3%   
Total assets Rs m12,883,5712,398,821 537.1%  
Debt/equity ratio x14.87.8 188.9%   
Return on assets %0.71.0 63.8%  
Return on equity %10.89.6 112.2%  
Capital adequacy ratio %16.016.8 95.4%  
Net NPAs %1.70.9 197.7%  
CASH FLOW
From Operations Rs m61,11435,630 171.5%  
From Investments Rs m-25,611-119,957 21.3%  
From Financial Activity Rs m-106,54165,090 -163.7%  
Net Cashflow Rs m-71,038-19,237 369.3%  

Share Holding

Indian Promoters % 77.0 37.5 205.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 34.6 47.0%  
FIIs % 4.0 24.3 16.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 62.6 36.8%  
Shareholders   874,309 2,382,674 36.7%  
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    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on Union Bank vs IDFC FIRST 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 IDFC FIRST BANK Share Price Performance

Period Union Bank IDFC FIRST BANK S&P BSE BANKEX
1-Day 1.62% -2.60% 1.20%
1-Month 9.24% -5.87% 2.86%
1-Year 149.59% 43.68% 19.73%
3-Year CAGR 65.20% 9.14% 12.14%
5-Year CAGR 9.75% 6.84% 9.48%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of IDFC FIRST BANK the stake stands at 37.5%.

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 IDFC FIRST 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%.

IDFC FIRST 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 IDFC FIRST BANK.

For a sector overview, read our banking sector report.



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