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UNITED BANK OF INDIA vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNITED BANK OF INDIA UNION BANK UNITED BANK OF INDIA/
UNION BANK
 
P/E (TTM) x 9.3 8.9 104.6% View Chart
P/BV x 0.4 1.5 23.8% View Chart
Dividend Yield % 0.0 2.0 -  

Financials

 UNITED BANK OF INDIA   UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
UNION BANK
Mar-23
UNITED BANK OF INDIA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs1596 15.4%   
Low Rs934 27.0%   
Income per share (Unadj.) Rs11.5118.8 9.7%  
Earnings per share (Unadj.) Rs-3.112.5 -25.0%  
Cash flow per share (Unadj.) Rs-7.227.2 -26.5%  
Dividends per share (Unadj.) Rs03.00 0.0%  
Avg Dividend yield %04.6 0.0%  
Book value per share (Unadj.) Rs15.5115.3 13.4%  
Shares outstanding (eoy) m7,427.926,834.75 108.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.00.5 189.1%   
Avg P/E ratio x-3.85.2 -73.3%  
Avg P/CF ratio x6.31.7 362.3%  
Avg Price/Bookvalue ratio x0.80.6 136.7%  
Dividend payout %024.1 -0.0%   
Avg Mkt Cap Rs m88,578444,088 19.9%   
No. of employees `000NANA-   
Total wages & salary Rs m19,545125,240 15.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599811,632 10.5%  
Other income Rs m23,846159,154 15.0%   
Interest expense Rs m65,853480,328 13.7%   
Net interest income Rs m19,746331,303 6.0%  
Operating expense Rs m29,476234,873 12.5%   
Gross profit Rs m-9,73096,430 -10.1%  
Gross profit margin %-11.411.9 -95.7%  
Provisions/contingencies Rs m37,275171,280 21.8%   
Profit before tax Rs m-45,809121,465 -37.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0813 0.0%   
Tax Rs m-22,65037,162 -60.9%   
Profit after tax Rs m-23,15985,117 -27.2%  
Net profit margin %-27.110.5 -258.0%  
BALANCE SHEET DATA
Advances Rs m669,5517,642,767 8.8%   
Deposits Rs m1,349,83311,203,219 12.0%  
Credit/Deposit ratio x49.668.2 72.7%  
Yield on advances %7.67.4 101.6%   
Cost of deposits %4.74.0 118.3%   
Net Interest Margin %1.53.0 51.6%  
Net fixed assets Rs m12,34188,258 14.0%   
Share capital Rs m74,27969,388 107.0%   
Free reserves Rs m40,710718,648 5.7%   
Net worth Rs m114,989788,035 14.6%   
Borrowings Rs m22,037427,366 5.2%   
Investments Rs m609,7603,437,270 17.7%   
Total assets Rs m1,515,29912,883,571 11.8%  
Debt/equity ratio x11.914.8 80.8%   
Return on assets %-1.50.7 -231.3%  
Return on equity %-20.110.8 -186.5%  
Capital adequacy ratio %13.016.0 81.0%  
Net NPAs %8.71.7 510.0%  
CASH FLOW
From Operations Rs m-150,73761,114 -246.6%  
From Investments Rs m-732-25,611 2.9%  
From Financial Activity Rs m45,761-106,541 -43.0%  
Net Cashflow Rs m-105,708-71,038 148.8%  

Share Holding

Indian Promoters % 97.4 77.0 126.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 16.3 7.6%  
FIIs % 0.0 4.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 23.0 11.3%  
Shareholders   101,958 874,309 11.7%  
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    SBI    ICICI BANK    PNB    


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

Period United Bank of India Union Bank S&P BSE BANKEX
1-Day -0.44% 1.42% 0.82%
1-Month -42.19% 9.02% 2.48%
1-Year -59.60% 149.11% 19.28%
3-Year CAGR -43.77% 65.10% 12.00%
5-Year CAGR -31.10% 9.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the Union 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 Union Bank the stake stands at 77.0%.

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 Union 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%.

Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.

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

For a sector overview, read our banking sector report.



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