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UNION BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK PNB UNION BANK/
PNB
 
P/E (TTM) x 9.5 30.0 31.8% View Chart
P/BV x 0.8 0.6 127.1% View Chart
Dividend Yield % 2.3 1.1 199.6%  

Financials

 UNION BANK   PNB
EQUITY SHARE DATA
    UNION BANK
Mar-22
PNB
Mar-22
UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs5548 115.1%   
Low Rs3232 102.2%   
Income per share (Unadj.) Rs99.869.2 144.2%  
Earnings per share (Unadj.) Rs7.73.5 219.7%  
Cash flow per share (Unadj.) Rs17.17.2 237.2%  
Dividends per share (Unadj.) Rs1.900.64 296.9%  
Avg Dividend yield %4.41.6 269.9%  
Book value per share (Unadj.) Rs103.788.6 117.0%  
Shares outstanding (eoy) m6,834.7511,011.02 62.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.40.6 76.3%   
Avg P/E ratio x5.611.3 50.1%  
Avg P/CF ratio x1.42.1 66.0%  
Avg Price/Bookvalue ratio x0.40.4 94.0%  
Dividend payout %24.718.3 135.1%   
Avg Mkt Cap Rs m297,312435,486 68.3%   
No. of employees `000NANA-   
Total wages & salary Rs m102,637119,719 85.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m682,297762,418 89.5%  
Other income Rs m135,244120,977 111.8%   
Interest expense Rs m401,785468,231 85.8%   
Net interest income Rs m280,512294,188 95.4%  
Operating expense Rs m197,026204,908 96.2%   
Gross profit Rs m83,48689,280 93.5%  
Gross profit margin %12.211.7 104.5%  
Provisions/contingencies Rs m166,645173,497 96.1%   
Profit before tax Rs m85,66345,945 186.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-469 0.0%   
Prior Period Items Rs m5682,316 24.5%   
Tax Rs m33,5789,185 365.6%   
Profit after tax Rs m52,65338,607 136.4%  
Net profit margin %7.75.1 152.4%  
BALANCE SHEET DATA
Advances Rs m6,633,5577,337,658 90.4%   
Deposits Rs m10,343,67811,542,345 89.6%  
Credit/Deposit ratio x64.163.6 100.9%  
Yield on advances %6.86.7 102.5%   
Cost of deposits %3.63.8 96.4%   
Net Interest Margin %2.82.6 105.4%  
Net fixed assets Rs m71,713106,962 67.0%   
Share capital Rs m69,38822,022 315.1%   
Free reserves Rs m639,224953,797 67.0%   
Net worth Rs m708,611975,819 72.6%   
Borrowings Rs m512,452593,717 86.3%   
Investments Rs m3,518,3903,885,858 90.5%   
Total assets Rs m11,937,65613,393,011 89.1%  
Debt/equity ratio x15.312.4 123.2%   
Return on assets %0.40.3 153.0%  
Return on equity %7.44.0 187.8%  
Capital adequacy ratio %14.514.5 100.1%  
Net NPAs %3.74.8 76.7%  
CASH FLOW
From Operations Rs m363,389199,323 182.3%  
From Investments Rs m-5,577-11,044 50.5%  
From Financial Activity Rs m-7,86320,315 -38.7%  
Net Cashflow Rs m349,949208,595 167.8%  

Share Holding

Indian Promoters % 83.5 73.2 114.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 8.5 13.5 62.8%  
FIIs % 1.4 1.2 117.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 16.5 26.9 61.5%  
Shareholders   781,554 2,010,938 38.9%  
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    BANK OF BARODA    


More on Union Bank vs PNB

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 PNB Share Price Performance

Period Union Bank PNB S&P BSE BANKEX
1-Day -5.59% -2.51% 0.09%
1-Month 30.50% 25.14% 3.76%
1-Year 77.60% 42.41% 17.89%
3-Year CAGR 14.55% -2.53% 11.65%
5-Year CAGR -11.55% -20.11% 11.57%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 83.5% stake in the company. In case of PNB the stake stands at 73.2%.

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 PNB.

Finally, a word on dividends...

In the most recent financial year, Union Bank paid a dividend of Rs 1.9 per share. This amounted to a Dividend Payout ratio of 24.7%.

PNB paid Rs 0.6, and its dividend payout ratio stood at 18.3%.

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

For a sector overview, read our banking sector report.



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