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UJJIVAN SMALL FINANCE BANK vs FEDERAL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UJJIVAN SMALL FINANCE BANK FEDERAL BANK UJJIVAN SMALL FINANCE BANK/
FEDERAL BANK
 
P/E (TTM) x 6.9 9.4 73.3% View Chart
P/BV x 2.1 1.7 126.3% View Chart
Dividend Yield % 2.8 0.7 423.6%  

Financials

 UJJIVAN SMALL FINANCE BANK   FEDERAL BANK
EQUITY SHARE DATA
    UJJIVAN SMALL FINANCE BANK
Mar-23
FEDERAL BANK
Mar-23
UJJIVAN SMALL FINANCE BANK/
FEDERAL BANK
5-Yr Chart
Click to enlarge
High Rs34143 23.4%   
Low Rs1483 16.4%   
Income per share (Unadj.) Rs21.384.2 25.3%  
Earnings per share (Unadj.) Rs5.615.0 37.6%  
Cash flow per share (Unadj.) Rs14.835.8 41.2%  
Dividends per share (Unadj.) Rs1.251.00 125.0%  
Avg Dividend yield %5.30.9 600.7%  
Book value per share (Unadj.) Rs21.3104.5 20.4%  
Shares outstanding (eoy) m1,954.712,116.20 92.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.3 82.2%   
Avg P/E ratio x4.27.6 55.3%  
Avg P/CF ratio x3.14.7 65.4%  
Avg Price/Bookvalue ratio x1.11.1 102.3%  
Dividend payout %22.26.7 332.2%   
Avg Mkt Cap Rs m45,936238,972 19.2%   
No. of employees `000NANA-   
Total wages & salary Rs m9,20324,402 37.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,650178,118 23.4%  
Other income Rs m5,89224,362 24.2%   
Interest expense Rs m14,67199,752 14.7%   
Net interest income Rs m26,97978,365 34.4%  
Operating expense Rs m18,02152,112 34.6%   
Gross profit Rs m8,95826,253 34.1%  
Gross profit margin %21.514.7 145.9%  
Provisions/contingencies Rs m3,85118,858 20.4%   
Profit before tax Rs m14,67242,629 34.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-453 -0.0%   
Prior Period Items Rs m0341 0.0%   
Tax Rs m3,67310,872 33.8%   
Profit after tax Rs m10,99931,645 34.8%  
Net profit margin %26.417.8 148.6%  
BALANCE SHEET DATA
Advances Rs m212,8971,819,567 11.7%   
Deposits Rs m255,3772,129,885 12.0%  
Credit/Deposit ratio x83.485.4 97.6%  
Yield on advances %17.48.0 218.4%   
Cost of deposits %5.24.0 127.4%   
Net Interest Margin %9.13.4 266.5%  
Net fixed assets Rs m2,6538,903 29.8%   
Share capital Rs m21,5474,232 509.1%   
Free reserves Rs m20,032216,959 9.2%   
Net worth Rs m41,579221,191 18.8%   
Borrowings Rs m26,415258,620 10.2%   
Investments Rs m85,103487,022 17.5%   
Total assets Rs m333,1692,680,041 12.4%  
Debt/equity ratio x6.810.8 62.8%   
Return on assets %3.31.2 279.6%  
Return on equity %26.514.3 184.9%  
Capital adequacy ratio %25.814.8 174.3%  
Net NPAs %00.7 5.8%  
CASH FLOW
From Operations Rs m10,5984,893 216.6%  
From Investments Rs m-20,957-98,437 21.3%  
From Financial Activity Rs m11,86460,381 19.6%  
Net Cashflow Rs m1,505-33,322 -4.5%  

Share Holding

Indian Promoters % 73.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.7 73.9 10.4%  
FIIs % 3.7 29.4 12.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.4 100.0 26.4%  
Shareholders   598,080 796,959 75.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UJJIVAN SMALL FINANCE BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on UJJIVAN SMALL FINANCE BANK vs Federal Bank

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

UJJIVAN SMALL FINANCE BANK vs Federal Bank Share Price Performance

Period UJJIVAN SMALL FINANCE BANK Federal Bank S&P BSE BANKEX
1-Day 0.25% 0.20% 0.82%
1-Month -13.47% -0.03% 2.48%
1-Year 75.21% 19.40% 19.28%
3-Year CAGR 13.63% 25.56% 12.00%
5-Year CAGR -4.54% 9.92% 9.40%

* Compound Annual Growth Rate

Here are more details on the UJJIVAN SMALL FINANCE BANK share price and the Federal Bank share price.

Moving on to shareholding structures...

The promoters of UJJIVAN SMALL FINANCE BANK hold a 73.6% stake in the company. In case of Federal 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 UJJIVAN SMALL FINANCE BANK and the shareholding pattern of Federal Bank.

Finally, a word on dividends...

In the most recent financial year, UJJIVAN SMALL FINANCE BANK paid a dividend of Rs 1.3 per share. This amounted to a Dividend Payout ratio of 22.2%.

Federal Bank paid Rs 1.0, and its dividend payout ratio stood at 6.7%.

You may visit here to review the dividend history of UJJIVAN SMALL FINANCE BANK, and the dividend history of Federal Bank.

For a sector overview, read our banking sector report.



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