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UJJIVAN SMALL FINANCE BANK vs IDBI BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UJJIVAN SMALL FINANCE BANK IDBI BANK UJJIVAN SMALL FINANCE BANK/
IDBI BANK
 
P/E (TTM) x 6.9 16.4 42.0% View Chart
P/BV x 2.1 1.9 111.1% View Chart
Dividend Yield % 2.8 1.2 228.3%  

Financials

 UJJIVAN SMALL FINANCE BANK   IDBI BANK
EQUITY SHARE DATA
    UJJIVAN SMALL FINANCE BANK
Mar-23
IDBI BANK
Mar-23
UJJIVAN SMALL FINANCE BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs3462 54.0%   
Low Rs1431 44.3%   
Income per share (Unadj.) Rs21.319.2 111.3%  
Earnings per share (Unadj.) Rs5.63.4 163.3%  
Cash flow per share (Unadj.) Rs14.85.4 272.5%  
Dividends per share (Unadj.) Rs1.251.00 125.0%  
Avg Dividend yield %5.32.2 246.0%  
Book value per share (Unadj.) Rs21.343.1 49.4%  
Shares outstanding (eoy) m1,954.7110,752.40 18.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.12.4 45.7%   
Avg P/E ratio x4.213.4 31.1%  
Avg P/CF ratio x3.15.6 54.9%  
Avg Price/Bookvalue ratio x1.11.1 102.9%  
Dividend payout %22.229.0 76.6%   
Avg Mkt Cap Rs m45,936497,299 9.2%   
No. of employees `000NANA-   
Total wages & salary Rs m9,20336,914 24.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,650205,915 20.2%  
Other income Rs m5,89245,754 12.9%   
Interest expense Rs m14,67191,304 16.1%   
Net interest income Rs m26,979114,611 23.5%  
Operating expense Rs m18,02172,326 24.9%   
Gross profit Rs m8,95842,285 21.2%  
Gross profit margin %21.520.5 104.7%  
Provisions/contingencies Rs m3,85151,171 7.5%   
Profit before tax Rs m14,67236,868 39.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-219 -0.0%   
Prior Period Items Rs m0411 0.0%   
Tax Rs m3,6730-   
Profit after tax Rs m10,99937,061 29.7%  
Net profit margin %26.418.0 146.7%  
BALANCE SHEET DATA
Advances Rs m212,8971,625,458 13.1%   
Deposits Rs m255,3772,553,222 10.0%  
Credit/Deposit ratio x83.463.7 130.9%  
Yield on advances %17.48.2 212.3%   
Cost of deposits %5.23.1 168.1%   
Net Interest Margin %9.14.4 207.7%  
Net fixed assets Rs m2,65393,048 2.9%   
Share capital Rs m21,547107,524 20.0%   
Free reserves Rs m20,032355,668 5.6%   
Net worth Rs m41,579463,192 9.0%   
Borrowings Rs m26,415126,378 20.9%   
Investments Rs m85,1031,004,087 8.5%   
Total assets Rs m333,1693,314,977 10.1%  
Debt/equity ratio x6.85.8 117.2%   
Return on assets %3.31.1 295.3%  
Return on equity %26.58.0 330.6%  
Capital adequacy ratio %25.820.4 126.3%  
Net NPAs %00.9 4.3%  
CASH FLOW
From Operations Rs m10,598-26,009 -40.7%  
From Investments Rs m-20,957-2,945 711.7%  
From Financial Activity Rs m11,864-35,645 -33.3%  
Net Cashflow Rs m1,505-64,485 -2.3%  

Share Holding

Indian Promoters % 73.6 94.7 77.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.7 0.5 1,569.4%  
FIIs % 3.7 0.3 1,156.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.4 5.3 499.1%  
Shareholders   598,080 636,699 93.9%  
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    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on UJJIVAN SMALL FINANCE BANK vs IDBI 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 IDBI Bank Share Price Performance

Period UJJIVAN SMALL FINANCE BANK IDBI Bank S&P BSE BANKEX
1-Day 0.25% 1.89% 0.82%
1-Month -13.47% -5.11% 2.48%
1-Year 75.21% 86.93% 19.28%
3-Year CAGR 13.63% 27.93% 12.00%
5-Year CAGR -4.54% 12.70% 9.40%

* Compound Annual Growth Rate

Here are more details on the UJJIVAN SMALL FINANCE BANK share price and the IDBI 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 IDBI Bank the stake stands at 94.7%.

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 IDBI 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%.

IDBI Bank paid Rs 1.0, and its dividend payout ratio stood at 29.0%.

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

For a sector overview, read our banking sector report.



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