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UNITED BANK OF INDIA vs INDIAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA INDIAN BANK UNITED BANK OF INDIA/
INDIAN BANK
 
P/E (TTM) x 9.3 9.6 96.9% View Chart
P/BV x 0.4 1.4 24.9% View Chart
Dividend Yield % 0.0 1.6 -  

Financials

 UNITED BANK OF INDIA   INDIAN BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
INDIAN BANK
Mar-23
UNITED BANK OF INDIA/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs15310 4.8%   
Low Rs9137 6.6%   
Income per share (Unadj.) Rs11.5361.2 3.2%  
Earnings per share (Unadj.) Rs-3.144.7 -7.0%  
Cash flow per share (Unadj.) Rs-7.271.6 -10.1%  
Dividends per share (Unadj.) Rs08.60 0.0%  
Avg Dividend yield %03.8 0.0%  
Book value per share (Unadj.) Rs15.5397.5 3.9%  
Shares outstanding (eoy) m7,427.921,245.44 596.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.6 167.2%   
Avg P/E ratio x-3.85.0 -76.5%  
Avg P/CF ratio x6.31.8 351.3%  
Avg Price/Bookvalue ratio x0.80.6 136.9%  
Dividend payout %019.2 -0.0%   
Avg Mkt Cap Rs m88,578278,481 31.8%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54575,789 25.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599449,852 19.0%  
Other income Rs m23,84678,045 30.6%   
Interest expense Rs m65,853247,173 26.6%   
Net interest income Rs m19,746202,679 9.7%  
Operating expense Rs m29,476127,248 23.2%   
Gross profit Rs m-9,73075,431 -12.9%  
Gross profit margin %-11.416.8 -67.8%  
Provisions/contingencies Rs m37,275100,171 37.2%   
Profit before tax Rs m-45,80959,632 -76.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-12 -0.0%   
Prior Period Items Rs m02,430 0.0%   
Tax Rs m-22,6506,327 -358.0%   
Profit after tax Rs m-23,15955,723 -41.6%  
Net profit margin %-27.112.4 -218.4%  
BALANCE SHEET DATA
Advances Rs m669,5514,492,940 14.9%   
Deposits Rs m1,349,8336,211,232 21.7%  
Credit/Deposit ratio x49.672.3 68.6%  
Yield on advances %7.67.1 106.3%   
Cost of deposits %4.73.7 125.5%   
Net Interest Margin %1.53.2 48.6%  
Net fixed assets Rs m12,34174,704 16.5%   
Share capital Rs m74,27912,454 596.4%   
Free reserves Rs m40,710482,614 8.4%   
Net worth Rs m114,989495,068 23.2%   
Borrowings Rs m22,037220,924 10.0%   
Investments Rs m609,7601,883,663 32.4%   
Total assets Rs m1,515,2997,133,340 21.2%  
Debt/equity ratio x11.913.0 91.8%   
Return on assets %-1.50.8 -195.7%  
Return on equity %-20.111.3 -178.9%  
Capital adequacy ratio %13.016.5 78.8%  
Net NPAs %8.70.9 963.3%  
CASH FLOW
From Operations Rs m-150,737-278,940 54.0%  
From Investments Rs m-732-3,140 23.3%  
From Financial Activity Rs m45,761-15,434 -296.5%  
Net Cashflow Rs m-105,708-297,514 35.5%  

Share Holding

Indian Promoters % 97.4 73.8 131.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 21.7 5.7%  
FIIs % 0.0 5.9 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 26.2 9.9%  
Shareholders   101,958 312,770 32.6%  
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    KOTAK MAHINDRA BANK    


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

Period United Bank of India Indian Bank S&P BSE BANKEX
1-Day -0.44% 4.21% 0.82%
1-Month -42.19% -1.57% 2.48%
1-Year -59.60% 86.28% 19.28%
3-Year CAGR -43.77% 65.38% 12.00%
5-Year CAGR -31.10% 13.53% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Indian 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 Indian Bank the stake stands at 73.8%.

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 Indian 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%.

Indian Bank paid Rs 8.6, and its dividend payout ratio stood at 19.2%.

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

For a sector overview, read our banking sector report.



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