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UNION BANK vs UCO BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK UCO BANK UNION BANK/
UCO BANK
 
P/E (TTM) x 8.9 36.5 24.3% View Chart
P/BV x 1.5 2.4 61.0% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 UNION BANK   UCO BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
UCO BANK
Mar-23
UNION BANK/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs9638 252.7%   
Low Rs3411 318.9%   
Income per share (Unadj.) Rs118.814.8 804.4%  
Earnings per share (Unadj.) Rs12.51.5 815.3%  
Cash flow per share (Unadj.) Rs27.24.9 550.9%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %4.60-  
Book value per share (Unadj.) Rs115.321.4 538.4%  
Shares outstanding (eoy) m6,834.7511,955.96 57.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.51.6 33.2%   
Avg P/E ratio x5.215.9 32.7%  
Avg P/CF ratio x1.76.8 25.6%  
Avg Price/Bookvalue ratio x0.61.1 49.6%  
Dividend payout %24.10-   
Avg Mkt Cap Rs m444,088290,948 152.6%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24038,727 323.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632176,505 459.8%  
Other income Rs m159,15425,085 634.5%   
Interest expense Rs m480,328103,074 466.0%   
Net interest income Rs m331,30373,431 451.2%  
Operating expense Rs m234,87355,109 426.2%   
Gross profit Rs m96,43018,322 526.3%  
Gross profit margin %11.910.4 114.5%  
Provisions/contingencies Rs m171,28024,783 691.1%   
Profit before tax Rs m121,46529,051 418.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m813-361 -225.6%   
Tax Rs m37,16210,428 356.4%   
Profit after tax Rs m85,11718,263 466.1%  
Net profit margin %10.510.3 101.4%  
BALANCE SHEET DATA
Advances Rs m7,642,7671,558,702 490.3%   
Deposits Rs m11,203,2192,493,377 449.3%  
Credit/Deposit ratio x68.262.5 109.1%  
Yield on advances %7.46.6 112.1%   
Cost of deposits %4.03.8 104.9%   
Net Interest Margin %3.02.9 102.2%  
Net fixed assets Rs m88,25834,445 256.2%   
Share capital Rs m69,388119,560 58.0%   
Free reserves Rs m718,648136,477 526.6%   
Net worth Rs m788,035256,037 307.8%   
Borrowings Rs m427,366205,011 208.5%   
Investments Rs m3,437,270950,085 361.8%   
Total assets Rs m12,883,5713,007,022 428.4%  
Debt/equity ratio x14.810.5 140.0%   
Return on assets %0.70.6 108.8%  
Return on equity %10.87.1 151.4%  
Capital adequacy ratio %16.016.5 97.2%  
Net NPAs %1.71.3 131.8%  
CASH FLOW
From Operations Rs m61,11429,829 204.9%  
From Investments Rs m-25,611-2,673 958.0%  
From Financial Activity Rs m-106,541-3,358 3,173.1%  
Net Cashflow Rs m-71,03825,801 -275.3%  

Share Holding

Indian Promoters % 77.0 95.4 80.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 1.3 1,213.4%  
FIIs % 4.0 0.0 39,700.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 4.6 499.1%  
Shareholders   874,309 610,166 143.3%  
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 UCO 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 UCO Bank Share Price Performance

Period Union Bank UCO Bank S&P BSE BANKEX
1-Day 1.42% 5.35% 0.82%
1-Month 9.02% -5.21% 2.48%
1-Year 149.11% 131.68% 19.28%
3-Year CAGR 65.10% 68.32% 12.00%
5-Year CAGR 9.71% 22.35% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of UCO Bank the stake stands at 95.4%.

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 UCO 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%.

UCO 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 UCO Bank.

For a sector overview, read our banking sector report.



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