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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 -0.6 30.0 - View Chart
P/BV x 0.1 4.7 3.1% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 UNITED BANK OF INDIA   HDFC BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
HDFC BANK
Mar-18
UNITED BANK OF INDIA/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs322,014 1.6%   
Low Rs171,425 1.2%   
Income per share (Unadj.) Rs118.4328.7 36.0%  
Earnings per share (Unadj.) Rs-3.471.3 -4.7%  
Cash flow per share (Unadj.) Rs-15.5176.4 -8.8%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs69.6422.3 16.5%  
Shares outstanding (eoy) m839.512,595.09 32.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.25.2 3.9%   
Avg P/E ratio x-7.224.1 -30.0%  
Avg P/CF ratio x0.917.8 5.1%  
Avg Price/Bookvalue ratio x0.34.1 8.6%  
Dividend payout %018.2 0.0%   
Avg Mkt Cap Rs m20,3584,462,257 0.5%   
No. of employees `00015.088.3 17.0%   
Total wages & salary Rs m10,97491,939 11.9%   
Avg. income/employee Rs Th6,632.89,664.0 68.6%   
Avg. wages/employee Rs Th732.51,041.8 70.3%   
Avg. net profit/employee Rs Th-188.22,097.4 -9.0%   
INCOME DATA
Interest income Rs m99,367852,878 11.7%  
Other income Rs m14,675160,566 9.1%   
Interest expense Rs m76,561423,815 18.1%   
Net interest income Rs m22,806429,064 5.3%  
Operating expense Rs m19,363239,272 8.1%   
Gross profit Rs m3,443189,791 1.8%  
Gross profit margin %3.522.3 15.6%  
Provisions/contingencies Rs m25,22865,718 38.4%   
Profit before tax Rs m-7,110283,612 -2.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0513 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m-4,29099,031 -4.3%   
Profit after tax Rs m-2,820185,100 -1.5%  
Net profit margin %-2.821.7 -13.1%  
BALANCE SHEET DATA
Advances Rs m680,6027,000,338 9.7%   
Deposits Rs m1,164,0137,883,751 14.8%  
Credit/Deposit ratio x58.588.8 65.8%  
Yield on advances %9.79.7 100.8%   
Cost of deposits %6.24.2 148.5%   
Net Interest Margin %1.94.0 46.6%  
Net fixed assets Rs m12,10938,106 31.8%   
Share capital Rs m8,3955,190 161.8%   
Free reserves Rs m17,690832,486 2.1%   
Net worth Rs m58,3921,095,991 5.3%   
Borrowings Rs m29,1251,564,421 1.9%   
Investments Rs m447,2342,384,609 18.8%   
Total assets Rs m1,294,31811,031,862 11.7%  
Debt/equity ratio x20.48.6 237.0%   
Return on assets %-0.21.7 -13.0%  
Return on equity %-4.816.9 -28.6%  
Capital adequacy ratio %10.514.8 70.7%  
Net NPAs %9.00.4 2,260.0%  
CASH FLOW
From Operations Rs m24,276172,144 14.1%  
From Investments Rs m-896-8,522 10.5%  
From Financial Activity Rs m-429573,777 -0.1%  
Net Cashflow Rs m22,951737,399 3.1%  

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:   ALLAHABAD BANK  ANDHRA BANK  INDUSIND BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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