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UNITED BANK OF INDIA vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA PNB UNITED BANK OF INDIA/
PNB
 
P/E (TTM) x 9.3 19.6 47.3% View Chart
P/BV x 0.4 1.3 26.5% View Chart
Dividend Yield % 0.0 0.5 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
PNB
Mar-23
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs1562 23.9%   
Low Rs928 32.3%   
Income per share (Unadj.) Rs11.578.9 14.6%  
Earnings per share (Unadj.) Rs-3.13.0 -102.5%  
Cash flow per share (Unadj.) Rs-7.28.7 -82.7%  
Dividends per share (Unadj.) Rs00.65 0.0%  
Avg Dividend yield %01.4 0.0%  
Book value per share (Unadj.) Rs15.593.4 16.6%  
Shares outstanding (eoy) m7,427.9211,011.02 67.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.6 181.2%   
Avg P/E ratio x-3.814.8 -25.8%  
Avg P/CF ratio x6.32.1 293.6%  
Avg Price/Bookvalue ratio x0.80.5 159.8%  
Dividend payout %021.4 -0.0%   
Avg Mkt Cap Rs m88,578496,046 17.9%   
No. of employees `000NANA-   
Total wages & salary Rs m19,545149,426 13.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599868,453 9.9%  
Other income Rs m23,846122,396 19.5%   
Interest expense Rs m65,853518,170 12.7%   
Net interest income Rs m19,746350,283 5.6%  
Operating expense Rs m29,476243,357 12.1%   
Gross profit Rs m-9,730106,926 -9.1%  
Gross profit margin %-11.412.3 -92.3%  
Provisions/contingencies Rs m37,275198,629 18.8%   
Profit before tax Rs m-45,80948,614 -94.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-103 -0.0%   
Prior Period Items Rs m02,894 0.0%   
Tax Rs m-22,65017,921 -126.4%   
Profit after tax Rs m-23,15933,485 -69.2%  
Net profit margin %-27.13.9 -701.7%  
BALANCE SHEET DATA
Advances Rs m669,5518,374,590 8.0%   
Deposits Rs m1,349,83312,903,471 10.5%  
Credit/Deposit ratio x49.664.9 76.4%  
Yield on advances %7.66.9 109.6%   
Cost of deposits %4.73.6 128.6%   
Net Interest Margin %1.52.8 55.3%  
Net fixed assets Rs m12,341120,840 10.2%   
Share capital Rs m74,27922,022 337.3%   
Free reserves Rs m40,7101,006,783 4.0%   
Net worth Rs m114,9891,028,805 11.2%   
Borrowings Rs m22,037701,486 3.1%   
Investments Rs m609,7604,169,138 14.6%   
Total assets Rs m1,515,29914,936,490 10.1%  
Debt/equity ratio x11.913.2 90.2%   
Return on assets %-1.50.2 -681.8%  
Return on equity %-20.13.3 -618.8%  
Capital adequacy ratio %13.015.5 83.9%  
Net NPAs %8.72.7 318.8%  
CASH FLOW
From Operations Rs m-150,737225,921 -66.7%  
From Investments Rs m-732-7,325 10.0%  
From Financial Activity Rs m45,76112,750 358.9%  
Net Cashflow Rs m-105,708231,346 -45.7%  

Share Holding

Indian Promoters % 97.4 73.2 133.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 16.8 7.3%  
FIIs % 0.0 3.1 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 26.9 9.6%  
Shareholders   101,958 2,163,625 4.7%  
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    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on United Bank of India vs PNB

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 PNB Share Price Performance

Period United Bank of India PNB S&P BSE BANKEX
1-Day -0.44% 1.30% 0.82%
1-Month -42.19% 3.02% 2.48%
1-Year -59.60% 176.83% 19.28%
3-Year CAGR -43.77% 50.95% 12.00%
5-Year CAGR -31.10% 5.45% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the PNB 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 PNB the stake stands at 73.2%.

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 PNB.

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%.

PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.

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

For a sector overview, read our banking sector report.



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