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UNION BANK vs INDUSIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK INDUSIND BANK UNION BANK/
INDUSIND BANK
 
P/E (TTM) x 8.9 13.2 67.5% View Chart
P/BV x 1.5 2.1 71.7% View Chart
Dividend Yield % 1.9 1.0 204.5%  

Financials

 UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
INDUSIND BANK
Mar-23
UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs961,275 7.6%   
Low Rs34764 4.4%   
Income per share (Unadj.) Rs118.8468.7 25.3%  
Earnings per share (Unadj.) Rs12.595.9 13.0%  
Cash flow per share (Unadj.) Rs27.2184.3 14.8%  
Dividends per share (Unadj.) Rs3.0014.00 21.4%  
Avg Dividend yield %4.61.4 336.2%  
Book value per share (Unadj.) Rs115.3708.3 16.3%  
Shares outstanding (eoy) m6,834.75775.90 880.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.2 25.2%   
Avg P/E ratio x5.210.6 49.1%  
Avg P/CF ratio x1.75.5 31.6%  
Avg Price/Bookvalue ratio x0.61.4 39.2%  
Dividend payout %24.114.6 165.1%   
Avg Mkt Cap Rs m444,088791,025 56.1%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24041,787 299.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632363,679 223.2%  
Other income Rs m159,15481,728 194.7%   
Interest expense Rs m480,328187,758 255.8%   
Net interest income Rs m331,303175,921 188.3%  
Operating expense Rs m234,873113,459 207.0%   
Gross profit Rs m96,43062,463 154.4%  
Gross profit margin %11.917.2 69.2%  
Provisions/contingencies Rs m171,28069,759 245.5%   
Profit before tax Rs m121,46599,322 122.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8134 22,340.7%   
Tax Rs m37,16224,891 149.3%   
Profit after tax Rs m85,11774,435 114.4%  
Net profit margin %10.520.5 51.2%  
BALANCE SHEET DATA
Advances Rs m7,642,7672,899,237 263.6%   
Deposits Rs m11,203,2193,361,202 333.3%  
Credit/Deposit ratio x68.286.3 79.1%  
Yield on advances %7.410.3 72.0%   
Cost of deposits %4.04.7 84.9%   
Net Interest Margin %3.04.7 63.4%  
Net fixed assets Rs m88,25819,435 454.1%   
Share capital Rs m69,3887,759 894.3%   
Free reserves Rs m718,648541,844 132.6%   
Net worth Rs m788,035549,603 143.4%   
Borrowings Rs m427,366490,112 87.2%   
Investments Rs m3,437,270830,757 413.8%   
Total assets Rs m12,883,5714,578,366 281.4%  
Debt/equity ratio x14.87.0 210.6%   
Return on assets %0.71.6 40.6%  
Return on equity %10.813.5 79.8%  
Capital adequacy ratio %16.017.9 89.8%  
Net NPAs %1.70.6 288.1%  
CASH FLOW
From Operations Rs m61,114-124,423 -49.1%  
From Investments Rs m-25,611-5,602 457.2%  
From Financial Activity Rs m-106,54111,148 -955.7%  
Net Cashflow Rs m-71,038-118,079 60.2%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 16.5 -  
Indian inst/Mut Fund % 16.3 69.0 23.6%  
FIIs % 4.0 42.0 9.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 83.6 27.5%  
Shareholders   874,309 359,688 243.1%  
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    SBI    KOTAK MAHINDRA BANK    


More on Union Bank vs Indusind 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 Indusind Bank Share Price Performance

Period Union Bank Indusind Bank S&P BSE BANKEX
1-Day 0.55% -0.64% -0.18%
1-Month 9.17% -0.77% -0.07%
1-Year 142.45% 46.80% 18.09%
3-Year CAGR 63.53% 13.30% 11.10%
5-Year CAGR 11.93% -3.14% 9.57%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of Indusind Bank the stake stands at 16.5%.

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 Indusind 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%.

Indusind Bank paid Rs 14.0, and its dividend payout ratio stood at 14.6%.

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

For a sector overview, read our banking sector report.



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