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UNITED BANK OF INDIA vs IDBI BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA IDBI BANK UNITED BANK OF INDIA/
IDBI BANK
 
P/E (TTM) x 9.3 16.4 56.7% View Chart
P/BV x 0.4 1.9 18.8% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 UNITED BANK OF INDIA   IDBI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
IDBI BANK
Mar-23
UNITED BANK OF INDIA/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs1562 23.9%   
Low Rs931 29.7%   
Income per share (Unadj.) Rs11.519.2 60.2%  
Earnings per share (Unadj.) Rs-3.13.4 -90.5%  
Cash flow per share (Unadj.) Rs-7.25.4 -133.3%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %02.2 0.0%  
Book value per share (Unadj.) Rs15.543.1 35.9%  
Shares outstanding (eoy) m7,427.9210,752.40 69.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.02.4 42.8%   
Avg P/E ratio x-3.813.4 -28.5%  
Avg P/CF ratio x6.35.6 111.3%  
Avg Price/Bookvalue ratio x0.81.1 71.7%  
Dividend payout %029.0 -0.0%   
Avg Mkt Cap Rs m88,578497,299 17.8%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54536,914 52.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599205,915 41.6%  
Other income Rs m23,84645,754 52.1%   
Interest expense Rs m65,85391,304 72.1%   
Net interest income Rs m19,746114,611 17.2%  
Operating expense Rs m29,47672,326 40.8%   
Gross profit Rs m-9,73042,285 -23.0%  
Gross profit margin %-11.420.5 -55.4%  
Provisions/contingencies Rs m37,27551,171 72.8%   
Profit before tax Rs m-45,80936,868 -124.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-219 -0.0%   
Prior Period Items Rs m0411 0.0%   
Tax Rs m-22,6500-   
Profit after tax Rs m-23,15937,061 -62.5%  
Net profit margin %-27.118.0 -150.3%  
BALANCE SHEET DATA
Advances Rs m669,5511,625,458 41.2%   
Deposits Rs m1,349,8332,553,222 52.9%  
Credit/Deposit ratio x49.663.7 77.9%  
Yield on advances %7.68.2 92.1%   
Cost of deposits %4.73.1 153.0%   
Net Interest Margin %1.54.4 35.4%  
Net fixed assets Rs m12,34193,048 13.3%   
Share capital Rs m74,279107,524 69.1%   
Free reserves Rs m40,710355,668 11.4%   
Net worth Rs m114,989463,192 24.8%   
Borrowings Rs m22,037126,378 17.4%   
Investments Rs m609,7601,004,087 60.7%   
Total assets Rs m1,515,2993,314,977 45.7%  
Debt/equity ratio x11.95.8 206.2%   
Return on assets %-1.51.1 -136.7%  
Return on equity %-20.18.0 -251.7%  
Capital adequacy ratio %13.020.4 63.6%  
Net NPAs %8.70.9 942.4%  
CASH FLOW
From Operations Rs m-150,737-26,009 579.5%  
From Investments Rs m-732-2,945 24.9%  
From Financial Activity Rs m45,761-35,645 -128.4%  
Net Cashflow Rs m-105,708-64,485 163.9%  

Share Holding

Indian Promoters % 97.4 94.7 102.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 0.5 251.0%  
FIIs % 0.0 0.3 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 5.3 49.0%  
Shareholders   101,958 636,699 16.0%  
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    SBI    ICICI BANK    PNB    


More on United Bank of India vs IDBI 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 IDBI Bank Share Price Performance

Period United Bank of India IDBI Bank S&P BSE BANKEX
1-Day -0.44% 1.89% 0.82%
1-Month -42.19% -5.11% 2.48%
1-Year -59.60% 86.93% 19.28%
3-Year CAGR -43.77% 27.93% 12.00%
5-Year CAGR -31.10% 12.70% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the IDBI 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 IDBI Bank the stake stands at 94.7%.

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 IDBI 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%.

IDBI Bank paid Rs 1.0, and its dividend payout ratio stood at 29.0%.

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

For a sector overview, read our banking sector report.



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