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UJJIVAN SMALL FINANCE BANK vs IDFC FIRST BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UJJIVAN SMALL FINANCE BANK IDFC FIRST BANK UJJIVAN SMALL FINANCE BANK/
IDFC FIRST BANK
 
P/E (TTM) x 6.9 17.6 39.1% View Chart
P/BV x 2.1 2.1 101.1% View Chart
Dividend Yield % 2.8 0.0 -  

Financials

 UJJIVAN SMALL FINANCE BANK   IDFC FIRST BANK
EQUITY SHARE DATA
    UJJIVAN SMALL FINANCE BANK
Mar-23
IDFC FIRST BANK
Mar-23
UJJIVAN SMALL FINANCE BANK/
IDFC FIRST BANK
5-Yr Chart
Click to enlarge
High Rs3464 52.1%   
Low Rs1429 46.6%   
Income per share (Unadj.) Rs21.334.3 62.0%  
Earnings per share (Unadj.) Rs5.63.8 149.9%  
Cash flow per share (Unadj.) Rs14.819.5 75.5%  
Dividends per share (Unadj.) Rs1.250-  
Avg Dividend yield %5.30-  
Book value per share (Unadj.) Rs21.339.0 54.5%  
Shares outstanding (eoy) m1,954.716,618.12 29.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.4 81.2%   
Avg P/E ratio x4.212.4 33.6%  
Avg P/CF ratio x3.16.2 50.1%  
Avg Price/Bookvalue ratio x1.11.2 92.4%  
Dividend payout %22.20-   
Avg Mkt Cap Rs m45,936308,570 14.9%   
No. of employees `000NANA-   
Total wages & salary Rs m9,20342,786 21.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,650227,278 18.3%  
Other income Rs m5,89244,673 13.2%   
Interest expense Rs m14,671100,906 14.5%   
Net interest income Rs m26,979126,372 21.3%  
Operating expense Rs m18,021121,082 14.9%   
Gross profit Rs m8,9585,289 169.4%  
Gross profit margin %21.52.3 924.2%  
Provisions/contingencies Rs m3,85125,113 15.3%   
Profit before tax Rs m14,67233,314 44.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,6738,465 43.4%   
Profit after tax Rs m10,99924,849 44.3%  
Net profit margin %26.410.9 241.5%  
BALANCE SHEET DATA
Advances Rs m212,8971,517,945 14.0%   
Deposits Rs m255,3771,444,695 17.7%  
Credit/Deposit ratio x83.4105.1 79.3%  
Yield on advances %17.412.6 138.0%   
Cost of deposits %5.24.3 119.4%   
Net Interest Margin %9.15.9 152.4%  
Net fixed assets Rs m2,65319,145 13.9%   
Share capital Rs m21,54766,181 32.6%   
Free reserves Rs m20,032191,923 10.4%   
Net worth Rs m41,579258,104 16.1%   
Borrowings Rs m26,415572,121 4.6%   
Investments Rs m85,103609,133 14.0%   
Total assets Rs m333,1692,398,821 13.9%  
Debt/equity ratio x6.87.8 86.7%   
Return on assets %3.31.0 318.7%  
Return on equity %26.59.6 274.8%  
Capital adequacy ratio %25.816.8 153.4%  
Net NPAs %00.9 4.7%  
CASH FLOW
From Operations Rs m10,59835,630 29.7%  
From Investments Rs m-20,957-119,957 17.5%  
From Financial Activity Rs m11,86465,090 18.2%  
Net Cashflow Rs m1,505-19,237 -7.8%  

Share Holding

Indian Promoters % 73.6 37.5 196.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.7 34.6 22.2%  
FIIs % 3.7 24.3 15.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.4 62.6 42.2%  
Shareholders   598,080 2,382,674 25.1%  
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 IDFC FIRST 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 IDFC FIRST BANK Share Price Performance

Period UJJIVAN SMALL FINANCE BANK IDFC FIRST BANK S&P BSE BANKEX
1-Day 0.25% -3.11% 0.82%
1-Month -13.47% -6.37% 2.48%
1-Year 75.21% 42.92% 19.28%
3-Year CAGR 13.63% 8.95% 12.00%
5-Year CAGR -4.54% 6.72% 9.40%

* Compound Annual Growth Rate

Here are more details on the UJJIVAN SMALL FINANCE BANK share price and the IDFC FIRST 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 IDFC FIRST BANK the stake stands at 37.5%.

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 IDFC FIRST 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%.

IDFC FIRST BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our banking sector report.



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