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UNITED BANK OF INDIA vs INDIAN OVERSEAS BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA INDIAN OVERSEAS BANK UNITED BANK OF INDIA/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -0.3 -0.4 - View Chart
P/BV x 0.0 0.1 62.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
INDIAN OVERSEAS BANK
Mar-19
UNITED BANK OF INDIA/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs1519 79.1%   
Low Rs911 83.5%   
Income per share (Unadj.) Rs11.519.3 59.8%  
Earnings per share (Unadj.) Rs-3.1-4.1 76.3%  
Cash flow per share (Unadj.) Rs-10.3-16.1 63.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.517.9 86.5%  
Shares outstanding (eoy) m7,427.929,141.65 81.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.8 135.1%   
Avg P/E ratio x-3.8-3.6 105.9%  
Avg P/CF ratio x2.41.4 169.2%  
Avg Price/Bookvalue ratio x0.80.8 93.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,764135,296 65.6%   
No. of employees `00014.326.3 54.3%   
Total wages & salary Rs m19,54526,469 73.8%   
Avg. income/employee Rs Th5,987.66,691.4 89.5%   
Avg. wages/employee Rs Th1,367.21,004.5 136.1%   
Avg. net profit/employee Rs Th-1,620.0-1,418.6 114.2%   
INCOME DATA
Interest income Rs m85,599176,313 48.5%  
Other income Rs m23,84642,063 56.7%   
Interest expense Rs m65,853123,521 53.3%   
Net interest income Rs m19,74652,791 37.4%  
Operating expense Rs m29,47644,516 66.2%   
Gross profit Rs m-9,7308,276 -117.6%  
Gross profit margin %-11.44.7 -242.2%  
Provisions/contingencies Rs m59,925132,171 45.3%   
Profit before tax Rs m-45,809-59,605 76.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,650-22,227 101.9%   
Profit after tax Rs m-23,159-37,379 62.0%  
Net profit margin %-27.1-21.2 127.6%  
BALANCE SHEET DATA
Advances Rs m669,5511,325,976 50.5%   
Deposits Rs m1,349,8332,225,341 60.7%  
Credit/Deposit ratio x49.659.6 83.2%  
Yield on advances %7.68.8 85.5%   
Cost of deposits %4.75.2 90.3%   
Net Interest Margin %1.42.3 62.6%  
Net fixed assets Rs m12,40133,369 37.2%   
Share capital Rs m74,27991,417 81.3%   
Free reserves Rs m40,71072,182 56.4%   
Net worth Rs m114,989163,599 70.3%   
Borrowings Rs m22,03761,460 35.9%   
Investments Rs m609,760669,323 91.1%   
Total assets Rs m1,515,2992,500,075 60.6%  
Debt/equity ratio x11.914.0 85.4%   
Return on assets %-1.5-1.5 102.2%  
Return on equity %-20.1-22.8 88.2%  
Capital adequacy ratio %13.010.2 127.3%  
Net NPAs %8.710.8 80.2%  
CASH FLOW
From Operations Rs m-150,737-7,859 1,918.1%  
From Investments Rs m-732-6,471 11.3%  
From Financial Activity Rs m45,76157,795 79.2%  
Net Cashflow Rs m-105,70843,465 -243.2%  

Share Holding

Indian Promoters % 88.0 73.8 119.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 15.3 34.0%  
FIIs % 0.3 1.9 15.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 9.1 71.4%  
Shareholders   78,272 250,609 31.2%  
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 BARODA  HDFC BANK  BANDHAN BANK LTD  DHANLAXMI BANK  IDBI BANK  

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



Today's Market

Sensex Ends 95 Points Higher; Automobile and IT Stocks Witness Buying(Closing)

Indian share markets traded rangebound throughout the day and ended marginally higher. Sectoral indices ended on a mixed note with stocks in the automobile sector.

Related Views on News

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (1QFY20); Net Profit Up 62.8% (Quarterly Result Update)

Jul 24, 2019 | Updated on Jul 24, 2019

For the quarter ended June 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 62.8% YoY). Sales on the other hand came in at Rs 43 bn (up 2.1% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (4QFY19); Net Profit Up 45.0% (Quarterly Result Update)

May 10, 2019 | Updated on May 10, 2019

For the quarter ended March 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 20 bn (up 45.0% YoY). Sales on the other hand came in at Rs 46 bn (down 5.6% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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