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Compare United Bank of India with HDFC Bank - Equitymaster

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UNITED BANK OF INDIA vs HDFC BANK - Comparison Results

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    UNITED BANK OF INDIA HDFC BANK UNITED BANK OF INDIA/
HDFC BANK
 
P/E (TTM) x -0.5 27.9 - View Chart
P/BV x 0.1 4.5 2.0% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 UNITED BANK OF INDIA   HDFC BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
HDFC BANK
Mar-18
UNITED BANK OF INDIA/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs232,014 1.1%   
Low Rs111,425 0.7%   
Income per share (Unadj.) Rs27.8328.7 8.5%  
Earnings per share (Unadj.) Rs-4.871.3 -6.8%  
Cash flow per share (Unadj.) Rs-14.1176.4 -8.0%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs28.9422.3 6.8%  
Shares outstanding (eoy) m2,999.992,595.09 115.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.65.2 11.4%   
Avg P/E ratio x-3.424.1 -14.2%  
Avg P/CF ratio x2.017.8 11.1%  
Avg Price/Bookvalue ratio x0.64.1 14.2%  
Dividend payout %018.2 0.0%   
Avg Mkt Cap Rs m49,9504,462,257 1.1%   
No. of employees `000NA88.3 0.0%   
Total wages & salary Rs m17,12691,939 18.6%   
Avg. income/employee Rs ThNM9,664.0-  
Avg. wages/employee Rs ThNM1,041.8-  
Avg. net profit/employee Rs ThN.A.2,097.4-  
INCOME DATA
Interest income Rs m83,416852,878 9.8%  
Other income Rs m22,146160,566 13.8%   
Interest expense Rs m68,488423,815 16.2%   
Net interest income Rs m14,929429,064 3.5%  
Operating expense Rs m26,834239,272 11.2%   
Gross profit Rs m-11,905189,791 -6.3%  
Gross profit margin %-14.322.3 -64.1%  
Provisions/contingencies Rs m39,72865,718 60.5%   
Profit before tax Rs m-29,487283,612 -10.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0513 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m-14,94299,031 -15.1%   
Profit after tax Rs m-14,545185,100 -7.9%  
Net profit margin %-17.421.7 -80.3%  
BALANCE SHEET DATA
Advances Rs m624,9027,000,338 8.9%   
Deposits Rs m1,293,2647,883,751 16.4%  
Credit/Deposit ratio x48.388.8 54.4%  
Yield on advances %8.19.7 83.8%   
Cost of deposits %5.14.2 122.7%   
Net Interest Margin %1.14.0 27.7%  
Net fixed assets Rs m12,93138,106 33.9%   
Share capital Rs m30,0005,190 578.0%   
Free reserves Rs m22,244832,486 2.7%   
Net worth Rs m86,6161,095,991 7.9%   
Borrowings Rs m33,0611,564,421 2.1%   
Investments Rs m504,0182,384,609 21.1%   
Total assets Rs m1,447,48711,031,862 13.1%  
Debt/equity ratio x15.38.6 177.6%   
Return on assets %-1.01.7 -59.9%  
Return on equity %-16.816.9 -99.4%  
Capital adequacy ratio %12.614.8 85.3%  
Net NPAs %16.50.4 4,122.5%  
CASH FLOW
From Operations Rs m46,588172,144 27.1%  
From Investments Rs m-2,347-8,522 27.5%  
From Financial Activity Rs m27,942573,777 4.9%  
Net Cashflow Rs m72,183737,399 9.8%  

Share Holding

Indian Promoters % 88.0 22.6 389.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 9.9 52.5%  
FIIs % 0.3 34.1 0.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 6.5 16.4 39.6%  
Shareholders   78,272 415,166 18.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   BANK OF INDIA  ING VYSYA BANK  BANDHAN BANK LTD  INDUSIND BANK  IDBI BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



Related Views on News

UNITED BANK OF INDIA Announces Quarterly Results (1QFY19); Net Profit Up 83.8% (Quarterly Result Update)

Aug 14, 2018 | Updated on Aug 14, 2018

For the quarter ended June 2018, UNITED BANK OF INDIA has posted a net profit of Rs 4 bn (up 83.8% YoY). Sales on the other hand came in at Rs 22 bn (up 3.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

HDFC BANK Announces Quarterly Results (1QFY19); Net Profit Up 18.2% (Quarterly Result Update)

Jul 25, 2018 | Updated on Jul 25, 2018

For the quarter ended June 2018, HDFC BANK has posted a net profit of Rs 46 bn (up 18.2% YoY). Sales on the other hand came in at Rs 225 bn (up 20.8% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

HDFC Bank: Loan Growth Camouflages Bad Loan Risks (Quarterly Results Update - Detailed)

Jan 22, 2018

The bank delivers a consistent performance with net profits growing by 20%. However, bad loans have risen considerably and would be the key things to watch out for going forward.

HDFC Bank: Growth Steady Even as NPA Provisions Double (Quarterly Results Update - Detailed)

Oct 26, 2017

Despite provisioning increasing by 97%, the bank reports a strong net profit growth of 20%.

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Mar 12, 2018

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