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UNITED BANK OF INDIA vs KOTAK MAHINDRA BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA KOTAK MAHINDRA BANK UNITED BANK OF INDIA/
KOTAK MAHINDRA BANK
 
P/E (TTM) x 9.3 20.6 45.2% View Chart
P/BV x 0.4 3.2 11.2% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 UNITED BANK OF INDIA   KOTAK MAHINDRA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
KOTAK MAHINDRA BANK
Mar-23
UNITED BANK OF INDIA/
KOTAK MAHINDRA BANK
5-Yr Chart
Click to enlarge
High Rs151,997 0.7%   
Low Rs91,630 0.6%   
Income per share (Unadj.) Rs11.5212.2 5.4%  
Earnings per share (Unadj.) Rs-3.175.1 -4.1%  
Cash flow per share (Unadj.) Rs-7.2242.3 -3.0%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs15.5565.1 2.7%  
Shares outstanding (eoy) m7,427.921,986.56 373.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.08.5 12.1%   
Avg P/E ratio x-3.824.1 -15.8%  
Avg P/CF ratio x6.317.8 35.2%  
Avg Price/Bookvalue ratio x0.83.2 24.0%  
Dividend payout %02.0 -0.0%   
Avg Mkt Cap Rs m88,5783,602,620 2.5%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54584,790 23.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599421,511 20.3%  
Other income Rs m23,846259,910 9.2%   
Interest expense Rs m65,853144,111 45.7%   
Net interest income Rs m19,746277,399 7.1%  
Operating expense Rs m29,476336,450 8.8%   
Gross profit Rs m-9,730-59,051 16.5%  
Gross profit margin %-11.4-14.0 81.1%  
Provisions/contingencies Rs m37,27553,054 70.3%   
Profit before tax Rs m-45,809196,462 -23.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m01,446 0.0%   
Tax Rs m-22,65048,657 -46.5%   
Profit after tax Rs m-23,159149,250 -15.5%  
Net profit margin %-27.135.4 -76.4%  
BALANCE SHEET DATA
Advances Rs m669,5513,591,075 18.6%   
Deposits Rs m1,349,8333,612,726 37.4%  
Credit/Deposit ratio x49.699.4 49.9%  
Yield on advances %7.68.6 88.3%   
Cost of deposits %4.73.3 143.9%   
Net Interest Margin %1.55.0 30.9%  
Net fixed assets Rs m12,34122,612 54.6%   
Share capital Rs m74,27914,933 497.4%   
Free reserves Rs m40,7101,107,608 3.7%   
Net worth Rs m114,9891,122,541 10.2%   
Borrowings Rs m22,037570,339 3.9%   
Investments Rs m609,7601,953,380 31.2%   
Total assets Rs m1,515,2996,204,297 24.4%  
Debt/equity ratio x11.93.7 320.2%   
Return on assets %-1.52.4 -63.5%  
Return on equity %-20.113.3 -151.5%  
Capital adequacy ratio %13.020.8 62.6%  
Net NPAs %8.70.4 2,343.2%  
CASH FLOW
From Operations Rs m-150,737-12,424 1,213.2%  
From Investments Rs m-732-105,502 0.7%  
From Financial Activity Rs m45,76118,830 243.0%  
Net Cashflow Rs m-105,708-97,401 108.5%  

Share Holding

Indian Promoters % 97.4 25.9 376.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 61.1 2.0%  
FIIs % 0.0 38.1 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 74.1 3.5%  
Shareholders   101,958 634,698 16.1%  
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 Kotak 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 Kotak Bank Share Price Performance

Period United Bank of India Kotak Bank S&P BSE BANKEX
1-Day -0.44% 0.57% 0.82%
1-Month -42.19% 6.07% 2.48%
1-Year -59.60% 5.14% 19.28%
3-Year CAGR -43.77% 0.09% 12.00%
5-Year CAGR -31.10% 5.93% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Kotak 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 Kotak Bank the stake stands at 25.9%.

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 Kotak 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%.

Kotak Bank paid Rs 1.5, and its dividend payout ratio stood at 2.0%.

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

For a sector overview, read our banking sector report.



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