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UNION BANK vs YES BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK YES BANK UNION BANK/
YES BANK
 
P/E (TTM) x 8.9 65.2 13.6% View Chart
P/BV x 1.5 1.7 88.5% View Chart
Dividend Yield % 2.0 0.0 -  

Financials

 UNION BANK   YES BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
YES BANK
Mar-23
UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs9625 389.5%   
Low Rs3412 274.3%   
Income per share (Unadj.) Rs118.87.9 1,504.1%  
Earnings per share (Unadj.) Rs12.50.3 4,866.7%  
Cash flow per share (Unadj.) Rs27.22.6 1,065.2%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %4.60-  
Book value per share (Unadj.) Rs115.313.8 834.3%  
Shares outstanding (eoy) m6,834.7528,754.78 23.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.52.3 23.4%   
Avg P/E ratio x5.272.3 7.2%  
Avg P/CF ratio x1.716.6 10.4%  
Avg Price/Bookvalue ratio x0.61.3 42.1%  
Dividend payout %24.10-   
Avg Mkt Cap Rs m444,088531,676 83.5%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24034,751 360.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,632227,022 357.5%  
Other income Rs m159,15441,246 385.9%   
Interest expense Rs m480,328147,998 324.6%   
Net interest income Rs m331,30379,024 419.2%  
Operating expense Rs m234,87388,255 266.1%   
Gross profit Rs m96,430-9,231 -1,044.6%  
Gross profit margin %11.9-4.1 -292.2%  
Provisions/contingencies Rs m171,28024,657 694.7%   
Profit before tax Rs m121,4659,813 1,237.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1622,455 1,513.7%   
Profit after tax Rs m85,1177,358 1,156.8%  
Net profit margin %10.53.2 323.6%  
BALANCE SHEET DATA
Advances Rs m7,642,7672,032,365 376.1%   
Deposits Rs m11,203,2192,173,822 515.4%  
Credit/Deposit ratio x68.293.5 73.0%  
Yield on advances %7.48.8 84.9%   
Cost of deposits %4.04.6 85.2%   
Net Interest Margin %3.02.8 105.9%  
Net fixed assets Rs m88,25821,557 409.4%   
Share capital Rs m69,38857,510 120.7%   
Free reserves Rs m718,648339,886 211.4%   
Net worth Rs m788,035397,396 198.3%   
Borrowings Rs m427,366777,540 55.0%   
Investments Rs m3,437,270767,493 447.9%   
Total assets Rs m12,883,5713,552,041 362.7%  
Debt/equity ratio x14.87.4 198.7%   
Return on assets %0.70.2 318.9%  
Return on equity %10.81.9 583.3%  
Capital adequacy ratio %16.017.9 89.6%  
Net NPAs %1.70.8 204.8%  
CASH FLOW
From Operations Rs m61,114-258,163 -23.7%  
From Investments Rs m-25,611-129,040 19.8%  
From Financial Activity Rs m-106,541114,504 -93.0%  
Net Cashflow Rs m-71,038-273,922 25.9%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 65.8 24.7%  
FIIs % 4.0 23.8 16.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 100.0 23.0%  
Shareholders   874,309 4,994,636 17.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on Union Bank vs Yes 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 Yes Bank Share Price Performance

Period Union Bank Yes Bank S&P BSE BANKEX
1-Day 1.42% 0.30% 0.82%
1-Month 9.02% -2.68% 2.48%
1-Year 149.11% 57.08% 19.28%
3-Year CAGR 65.10% 12.26% 12.00%
5-Year CAGR 9.71% -39.02% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of Yes Bank the stake stands at 0.0%.

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 Yes 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%.

Yes 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 Yes Bank.

For a sector overview, read our banking sector report.



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