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- Indian - banking
- UNION BANK - J&K BANK
UNION BANK vs J&K BANK - Comparison Results
Current Valuations
| UNION BANK | J&K BANK | UNION BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.1 | 8.8 | 92.9% | View Chart |
| P/BV | x | 1.4 | 1.4 | 95.8% | View Chart |
| Dividend Yield | % | 2.1 | 0.4 | 545.3% |
Financials
 UNION BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| UNION BANK Mar-23 |
J&K BANK Mar-23 |
UNION BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 96 | 63 | 153.6% | |
| Low | Rs | 34 | 24 | 141.0% | |
| Income per share (Unadj.) | Rs | 118.8 | 90.7 | 130.9% | |
| Earnings per share (Unadj.) | Rs | 12.5 | 11.4 | 108.8% | |
| Cash flow per share (Unadj.) | Rs | 27.2 | 46.1 | 59.0% | |
| Dividends per share (Unadj.) | Rs | 3.00 | 0.50 | 600.0% | |
| Avg Dividend yield | % | 4.6 | 1.2 | 399.6% | |
| Book value per share (Unadj.) | Rs | 115.3 | 95.9 | 120.2% | |
| Shares outstanding (eoy) | m | 6,834.75 | 1,031.48 | 662.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.5 | 114.7% | |
| Avg P/E ratio | x | 5.2 | 3.8 | 138.0% | |
| Avg P/CF ratio | x | 1.7 | 2.4 | 71.5% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 0.5 | 124.9% | |
| Dividend payout | % | 24.1 | 4.4 | 551.4% | |
| Avg Mkt Cap | Rs m | 444,088 | 44,637 | 994.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 125,240 | 27,086 | 462.4% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 811,632 | 93,552 | 867.6% | |
| Other income | Rs m | 159,154 | 7,652 | 2,079.8% | |
| Interest expense | Rs m | 480,328 | 46,094 | 1,042.1% | |
| Net interest income | Rs m | 331,303 | 47,458 | 698.1% | |
| Operating expense | Rs m | 234,873 | 36,509 | 643.3% | |
| Gross profit | Rs m | 96,430 | 10,949 | 880.7% | |
| Gross profit margin | % | 11.9 | 11.7 | 101.5% | |
| Provisions/contingencies | Rs m | 171,280 | 6,616 | 2,589.0% | |
| Profit before tax | Rs m | 121,465 | 17,856 | 680.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 813 | -181 | -450.0% | |
| Tax | Rs m | 37,162 | 5,870 | 633.1% | |
| Profit after tax | Rs m | 85,117 | 11,805 | 721.0% | |
| Net profit margin | % | 10.5 | 12.6 | 83.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 7,642,767 | 822,776 | 928.9% | |
| Deposits | Rs m | 11,203,219 | 1,220,272 | 918.1% | |
| Credit/Deposit ratio | x | 68.2 | 67.4 | 101.2% | |
| Yield on advances | % | 7.4 | 8.5 | 87.5% | |
| Cost of deposits | % | 4.0 | 3.6 | 111.1% | |
| Net Interest Margin | % | 3.0 | 4.1 | 73.8% | |
| Net fixed assets | Rs m | 88,258 | 22,244 | 396.8% | |
| Share capital | Rs m | 69,388 | 1,032 | 6,726.1% | |
| Free reserves | Rs m | 718,648 | 97,932 | 733.8% | |
| Net worth | Rs m | 788,035 | 98,963 | 796.3% | |
| Borrowings | Rs m | 427,366 | 28,923 | 1,477.6% | |
| Investments | Rs m | 3,437,270 | 347,804 | 988.3% | |
| Total assets | Rs m | 12,883,571 | 1,459,126 | 883.0% | |
| Debt/equity ratio | x | 14.8 | 12.6 | 116.9% | |
| Return on assets | % | 0.7 | 0.8 | 81.7% | |
| Return on equity | % | 10.8 | 11.9 | 90.5% | |
| Capital adequacy ratio | % | 16.0 | 15.4 | 104.1% | |
| Net NPAs | % | 1.7 | 1.6 | 104.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 61,114 | -4,071 | -1,501.1% | |
| From Investments | Rs m | -25,611 | -1,235 | 2,073.5% | |
| From Financial Activity | Rs m | -106,541 | 6,376 | -1,671.0% | |
| Net Cashflow | Rs m | -71,038 | 1,070 | -6,642.0% | |
Share Holding
| Indian Promoters | % | 74.8 | 59.4 | 125.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 19.0 | 14.9 | 127.8% | |
| FIIs | % | 6.8 | 7.0 | 96.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 25.2 | 40.6 | 62.2% | |
| Shareholders | 914,940 | 215,294 | 425.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare UNION BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Union Bank vs J&K 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 J&K Bank Share Price Performance
| Period | Union Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -1.50% | -2.33% | 1.02% |
| 1-Month | -5.56% | -2.92% | 2.05% |
| 1-Year | 94.01% | 151.92% | 12.30% |
| 3-Year CAGR | 62.71% | 77.34% | 14.92% |
| 5-Year CAGR | 10.12% | 16.93% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the Union Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Union Bank hold a 74.8% stake in the company. In case of J&K Bank the stake stands at 59.4%.
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 J&K 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%.
J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.
You may visit here to review the dividend history of Union Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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