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Compare United Bank of India with Indian Bank - Equitymaster

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UNITED BANK OF INDIA vs INDIAN BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA INDIAN BANK UNITED BANK OF INDIA/
INDIAN BANK
 
P/E (TTM) x -0.2 11.5 - View Chart
P/BV x 0.1 1.0 14.3% View Chart
Dividend Yield % 0.0 1.4 -  

Financials

 UNITED BANK OF INDIA   INDIAN BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
INDIAN BANK
Mar-15
UNITED BANK OF INDIA/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs32224 14.2%   
Low Rs17113 14.9%   
Income per share (Unadj.) Rs118.4330.1 35.9%  
Earnings per share (Unadj.) Rs-3.421.8 -15.4%  
Cash flow per share (Unadj.) Rs-15.558.4 -26.5%  
Dividends per share (Unadj.) Rs04.20 0.0%  
Avg Dividend yield %02.5 0.0%  
Book value per share (Unadj.) Rs69.6312.9 22.2%  
Shares outstanding (eoy) m839.51480.29 174.8%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.20.5 40.1%   
Avg P/E ratio x-7.27.7 -93.6%  
Avg P/CF ratio x0.93.1 29.0%  
Avg Price/Bookvalue ratio x0.30.5 64.7%  
Dividend payout %019.2 0.0%   
Avg Mkt Cap Rs m20,35880,929 25.2%   
No. of employees `00015.020.3 73.8%   
Total wages & salary Rs m10,97417,463 62.8%   
Avg. income/employee Rs Th6,632.87,811.8 84.9%   
Avg. wages/employee Rs Th732.5860.5 85.1%   
Avg. net profit/employee Rs Th-188.2516.8 -36.4%   
INCOME DATA
Interest income Rs m99,367158,534 62.7%  
Other income Rs m14,67513,722 106.9%   
Interest expense Rs m76,561113,898 67.2%   
Net interest income Rs m22,80644,636 51.1%  
Operating expense Rs m19,36328,254 68.5%   
Gross profit Rs m3,44316,382 21.0%  
Gross profit margin %3.510.3 33.5%  
Provisions/contingencies Rs m25,22815,335 164.5%   
Profit before tax Rs m-7,11015,105 -47.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m018 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,2904,635 -92.6%   
Profit after tax Rs m-2,82010,488 -26.9%  
Net profit margin %-2.86.6 -42.9%  
BALANCE SHEET DATA
Advances Rs m680,6021,258,702 54.1%   
Deposits Rs m1,164,0131,692,042 68.8%  
Credit/Deposit ratio x58.574.4 78.6%  
Yield on advances %9.79.6 101.5%   
Cost of deposits %6.26.6 93.2%   
Net Interest Margin %1.92.4 78.1%  
Net fixed assets Rs m12,10929,738 40.7%   
Share capital Rs m8,3954,803 174.8%   
Free reserves Rs m17,69079,581 22.2%   
Net worth Rs m58,392150,290 38.9%   
Borrowings Rs m29,12526,461 110.1%   
Investments Rs m447,234460,605 97.1%   
Total assets Rs m1,294,3181,930,357 67.1%  
Debt/equity ratio x20.411.4 178.7%   
Return on assets %-0.20.5 -40.1%  
Return on equity %-4.87.0 -69.2%  
Capital adequacy ratio %10.512.9 81.3%  
Net NPAs %9.02.5 361.6%  
CASH FLOW
From Operations Rs m24,27651,357 47.3%  
From Investments Rs m-896-2,364 37.9%  
From Financial Activity Rs m-429-23,117 1.9%  
Net Cashflow Rs m22,95125,876 88.7%  

Share Holding

Indian Promoters % 88.0 82.1 107.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 8.5 61.2%  
FIIs % 0.3 5.6 5.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 3.8 171.1%  
Shareholders   78,272 66,052 118.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   J&K BANK  CORPORATION BANK  HDFC BANK  SYNDICATE BANK  DHANLAXMI BANK  

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



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