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UJJIVAN SMALL FINANCE BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    UJJIVAN SMALL FINANCE BANK PNB UJJIVAN SMALL FINANCE BANK/
PNB
 
P/E (TTM) x 7.9 21.5 36.7% View Chart
P/BV x 2.3 0.8 278.8% View Chart
Dividend Yield % 2.5 0.8 303.2%  

Financials

 UJJIVAN SMALL FINANCE BANK   PNB
EQUITY SHARE DATA
    UJJIVAN SMALL FINANCE BANK
Mar-23
PNB
Mar-23
UJJIVAN SMALL FINANCE BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs3462 54.0%   
Low Rs1428 48.1%   
Income per share (Unadj.) Rs21.378.9 27.0%  
Earnings per share (Unadj.) Rs5.63.0 185.0%  
Cash flow per share (Unadj.) Rs14.88.7 169.0%  
Dividends per share (Unadj.) Rs1.250.65 192.3%  
Avg Dividend yield %5.31.4 368.7%  
Book value per share (Unadj.) Rs21.393.4 22.8%  
Shares outstanding (eoy) m1,954.7111,011.02 17.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.10.6 193.1%   
Avg P/E ratio x4.214.8 28.2%  
Avg P/CF ratio x3.12.1 144.7%  
Avg Price/Bookvalue ratio x1.10.5 229.1%  
Dividend payout %22.221.4 103.9%   
Avg Mkt Cap Rs m45,936496,046 9.3%   
No. of employees `000NANA-   
Total wages & salary Rs m9,203149,426 6.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,650868,453 4.8%  
Other income Rs m5,892122,396 4.8%   
Interest expense Rs m14,671518,170 2.8%   
Net interest income Rs m26,979350,283 7.7%  
Operating expense Rs m18,021243,357 7.4%   
Gross profit Rs m8,958106,926 8.4%  
Gross profit margin %21.512.3 174.7%  
Provisions/contingencies Rs m3,851198,629 1.9%   
Profit before tax Rs m14,67248,614 30.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-103 0.0%   
Prior Period Items Rs m02,894 0.0%   
Tax Rs m3,67317,921 20.5%   
Profit after tax Rs m10,99933,485 32.8%  
Net profit margin %26.43.9 684.9%  
BALANCE SHEET DATA
Advances Rs m212,8978,374,590 2.5%   
Deposits Rs m255,37712,903,471 2.0%  
Credit/Deposit ratio x83.464.9 128.4%  
Yield on advances %17.46.9 252.6%   
Cost of deposits %5.23.6 141.3%   
Net Interest Margin %9.12.8 324.2%  
Net fixed assets Rs m2,653120,840 2.2%   
Share capital Rs m21,54722,022 97.8%   
Free reserves Rs m20,0321,006,783 2.0%   
Net worth Rs m41,5791,028,805 4.0%   
Borrowings Rs m26,415701,486 3.8%   
Investments Rs m85,1034,169,138 2.0%   
Total assets Rs m333,16914,936,490 2.2%  
Debt/equity ratio x6.813.2 51.2%   
Return on assets %3.30.2 1,472.7%  
Return on equity %26.53.3 812.8%  
Capital adequacy ratio %25.815.5 166.5%  
Net NPAs %02.7 1.5%  
CASH FLOW
From Operations Rs m10,598225,921 4.7%  
From Investments Rs m-20,957-7,325 286.1%  
From Financial Activity Rs m11,86412,750 93.1%  
Net Cashflow Rs m1,505231,346 0.7%  

Share Holding

Indian Promoters % 73.7 73.2 100.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 11.0 15.3 71.8%  
FIIs % 3.9 1.8 214.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.3 26.9 98.1%  
Shareholders   294,885 2,030,100 14.5%  
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    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on UJJIVAN SMALL FINANCE BANK vs PNB

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 PNB Share Price Performance

Period UJJIVAN SMALL FINANCE BANK PNB S&P BSE BANKEX
1-Day 0.35% 3.41% 0.14%
1-Month -2.40% 24.16% 1.78%
1-Year 104.57% 91.74% 8.19%
3-Year CAGR 15.24% 37.10% 27.83%
5-Year CAGR -2.52% 2.28% 12.39%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of UJJIVAN SMALL FINANCE BANK hold a 73.7% stake in the company. In case of PNB the stake stands at 73.2%.

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 PNB.

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%.

PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.

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

For a sector overview, read our banking sector report.



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