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UNITED BANK OF INDIA vs CANARA BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA CANARA BANK UNITED BANK OF INDIA/
CANARA BANK
 
P/E (TTM) x 9.3 7.1 131.6% View Chart
P/BV x 0.4 1.3 27.5% View Chart
Dividend Yield % 0.0 2.2 -  

Financials

 UNITED BANK OF INDIA   CANARA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
CANARA BANK
Mar-23
UNITED BANK OF INDIA/
CANARA BANK
5-Yr Chart
Click to enlarge
High Rs15342 4.3%   
Low Rs9172 5.3%   
Income per share (Unadj.) Rs11.5473.4 2.4%  
Earnings per share (Unadj.) Rs-3.162.0 -5.0%  
Cash flow per share (Unadj.) Rs-7.2154.1 -4.7%  
Dividends per share (Unadj.) Rs012.00 0.0%  
Avg Dividend yield %04.7 0.0%  
Book value per share (Unadj.) Rs15.5430.3 3.6%  
Shares outstanding (eoy) m7,427.921,814.13 409.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.5 190.9%   
Avg P/E ratio x-3.84.1 -92.5%  
Avg P/CF ratio x6.31.6 383.0%  
Avg Price/Bookvalue ratio x0.80.6 129.1%  
Dividend payout %019.3 -0.0%   
Avg Mkt Cap Rs m88,578465,597 19.0%   
No. of employees `000NANA-   
Total wages & salary Rs m19,545142,927 13.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599858,847 10.0%  
Other income Rs m23,846253,250 9.4%   
Interest expense Rs m65,853529,901 12.4%   
Net interest income Rs m19,746328,947 6.0%  
Operating expense Rs m29,476302,454 9.7%   
Gross profit Rs m-9,73026,492 -36.7%  
Gross profit margin %-11.43.1 -368.5%  
Provisions/contingencies Rs m37,275171,665 21.7%   
Profit before tax Rs m-45,809144,267 -31.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-898 -0.0%   
Prior Period Items Rs m05,368 0.0%   
Tax Rs m-22,65036,189 -62.6%   
Profit after tax Rs m-23,159112,547 -20.6%  
Net profit margin %-27.113.1 -206.5%  
BALANCE SHEET DATA
Advances Rs m669,5518,309,292 8.1%   
Deposits Rs m1,349,83311,790,865 11.4%  
Credit/Deposit ratio x49.670.5 70.4%  
Yield on advances %7.67.4 102.3%   
Cost of deposits %4.74.1 113.2%   
Net Interest Margin %1.52.8 55.5%  
Net fixed assets Rs m12,341103,334 11.9%   
Share capital Rs m74,27918,141 409.4%   
Free reserves Rs m40,710762,396 5.3%   
Net worth Rs m114,989780,538 14.7%   
Borrowings Rs m22,037580,732 3.8%   
Investments Rs m609,7603,528,927 17.3%   
Total assets Rs m1,515,29913,810,296 11.0%  
Debt/equity ratio x11.915.9 75.3%   
Return on assets %-1.50.8 -187.5%  
Return on equity %-20.114.4 -139.7%  
Capital adequacy ratio %13.016.7 77.9%  
Net NPAs %8.71.7 501.2%  
CASH FLOW
From Operations Rs m-150,737-399,779 37.7%  
From Investments Rs m-732-12,378 5.9%  
From Financial Activity Rs m45,7614,454 1,027.5%  
Net Cashflow Rs m-105,708-406,886 26.0%  

Share Holding

Indian Promoters % 97.4 62.9 154.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 25.5 4.8%  
FIIs % 0.0 11.2 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 37.1 7.0%  
Shareholders   101,958 644,770 15.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on United Bank of India vs Canara Bank

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

Here's a brief comparison:

United Bank of India vs Canara Bank Share Price Performance

Period United Bank of India Canara Bank S&P BSE BANKEX
1-Day -0.44% 0.75% 0.04%
1-Month -42.19% -3.33% 0.11%
1-Year -59.60% 98.85% 18.30%
3-Year CAGR -43.77% 56.00% 11.49%
5-Year CAGR -31.10% 15.26% 9.74%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Canara Bank share price.

Moving on to shareholding structures...

The promoters of United Bank of India hold a 97.4% stake in the company. In case of Canara Bank the stake stands at 62.9%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of United Bank of India and the shareholding pattern of Canara Bank.

Finally, a word on dividends...

In the most recent financial year, United Bank of India paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

Canara Bank paid Rs 12.0, and its dividend payout ratio stood at 19.3%.

You may visit here to review the dividend history of United Bank of India, and the dividend history of Canara Bank.

For a sector overview, read our banking sector report.



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