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UJJIVAN SMALL FINANCE BANK vs KARUR VYSYA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UJJIVAN SMALL FINANCE BANK KARUR VYSYA BANK UJJIVAN SMALL FINANCE BANK/
KARUR VYSYA BANK
 
P/E (TTM) x 6.9 9.9 69.7% View Chart
P/BV x 2.1 1.7 122.0% View Chart
Dividend Yield % 2.8 1.1 257.6%  

Financials

 UJJIVAN SMALL FINANCE BANK   KARUR VYSYA BANK
EQUITY SHARE DATA
    UJJIVAN SMALL FINANCE BANK
Mar-23
KARUR VYSYA BANK
Mar-23
UJJIVAN SMALL FINANCE BANK/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs34116 28.9%   
Low Rs1442 32.3%   
Income per share (Unadj.) Rs21.381.2 26.2%  
Earnings per share (Unadj.) Rs5.613.8 40.8%  
Cash flow per share (Unadj.) Rs14.826.2 56.4%  
Dividends per share (Unadj.) Rs1.252.00 62.5%  
Avg Dividend yield %5.32.5 209.8%  
Book value per share (Unadj.) Rs21.3107.0 19.9%  
Shares outstanding (eoy) m1,954.71802.05 243.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.0 113.6%   
Avg P/E ratio x4.25.7 73.0%  
Avg P/CF ratio x3.12.6 121.1%  
Avg Price/Bookvalue ratio x1.10.7 149.9%  
Dividend payout %22.214.5 153.2%   
Avg Mkt Cap Rs m45,93663,262 72.6%   
No. of employees `000NANA-   
Total wages & salary Rs m9,20310,060 91.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,65065,166 63.9%  
Other income Rs m5,89211,589 50.8%   
Interest expense Rs m14,67131,677 46.3%   
Net interest income Rs m26,97933,488 80.6%  
Operating expense Rs m18,02120,320 88.7%   
Gross profit Rs m8,95813,168 68.0%  
Gross profit margin %21.520.2 106.4%  
Provisions/contingencies Rs m3,85113,697 28.1%   
Profit before tax Rs m14,67214,369 102.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,6733,308 111.0%   
Profit after tax Rs m10,99911,061 99.4%  
Net profit margin %26.417.0 155.6%  
BALANCE SHEET DATA
Advances Rs m212,897631,341 33.7%   
Deposits Rs m255,377766,376 33.3%  
Credit/Deposit ratio x83.482.4 101.2%  
Yield on advances %17.48.4 206.4%   
Cost of deposits %5.24.0 128.7%   
Net Interest Margin %9.14.1 221.5%  
Net fixed assets Rs m2,6534,176 63.5%   
Share capital Rs m21,5471,604 1,343.2%   
Free reserves Rs m20,03284,214 23.8%   
Net worth Rs m41,57985,818 48.5%   
Borrowings Rs m26,41514,320 184.5%   
Investments Rs m85,103188,083 45.2%   
Total assets Rs m333,169901,794 36.9%  
Debt/equity ratio x6.89.1 74.5%   
Return on assets %3.31.2 269.2%  
Return on equity %26.512.9 205.2%  
Capital adequacy ratio %25.818.6 139.1%  
Net NPAs %00.7 5.4%  
CASH FLOW
From Operations Rs m10,59812,172 87.1%  
From Investments Rs m-20,957-12,702 165.0%  
From Financial Activity Rs m11,864-1,781 -666.3%  
Net Cashflow Rs m1,505-2,310 -65.1%  

Share Holding

Indian Promoters % 73.6 2.2 3,315.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.7 50.8 15.1%  
FIIs % 3.7 15.6 23.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.4 97.8 27.0%  
Shareholders   598,080 232,052 257.7%  
Pledged promoter(s) holding % 0.0 7.3 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on UJJIVAN SMALL FINANCE BANK vs Karur Vysya 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 Karur Vysya Bank Share Price Performance

Period UJJIVAN SMALL FINANCE BANK Karur Vysya Bank S&P BSE BANKEX
1-Day 0.25% -0.81% 0.82%
1-Month -13.47% -1.72% 2.48%
1-Year 75.21% 86.47% 19.28%
3-Year CAGR 13.63% 48.74% 12.00%
5-Year CAGR -4.54% 20.82% 9.40%

* Compound Annual Growth Rate

Here are more details on the UJJIVAN SMALL FINANCE BANK share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.2%.

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 Karur Vysya 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%.

Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.

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

For a sector overview, read our banking sector report.



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