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ESAF SMALL FINANCE BANK vs UNION BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    ESAF SMALL FINANCE BANK UNION BANK ESAF SMALL FINANCE BANK/
UNION BANK
 
P/E (TTM) x 71.3 5.8 1,236.2% View Chart
P/BV x 0.8 0.9 89.8% View Chart
Dividend Yield % 1.8 3.1 57.4%  

Financials

 ESAF SMALL FINANCE BANK   UNION BANK
EQUITY SHARE DATA
    ESAF SMALL FINANCE BANK
Mar-24
UNION BANK
Mar-24
ESAF SMALL FINANCE BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs82162 50.8%   
Low Rs5366 80.2%   
Income per share (Unadj.) Rs74.2131.5 56.4%  
Earnings per share (Unadj.) Rs8.318.1 45.7%  
Cash flow per share (Unadj.) Rs28.843.9 65.6%  
Dividends per share (Unadj.) Rs0.703.60 19.4%  
Avg Dividend yield %1.03.2 32.8%  
Book value per share (Unadj.) Rs48.3127.9 37.8%  
Shares outstanding (eoy) m514.787,633.61 6.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.90.9 105.2%   
Avg P/E ratio x8.26.3 129.8%  
Avg P/CF ratio x3.03.1 97.8%  
Avg Price/Bookvalue ratio x1.40.9 157.1%  
Dividend payout %8.519.9 42.5%   
Avg Mkt Cap Rs m34,856870,804 4.0%   
No. of employees `000NANA-   
Total wages & salary Rs m3,630145,932 2.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m38,1841,003,756 3.8%  
Other income Rs m4,418178,128 2.5%   
Interest expense Rs m14,487633,637 2.3%   
Net interest income Rs m23,697370,119 6.4%  
Operating expense Rs m16,488265,058 6.2%   
Gross profit Rs m7,209105,060 6.9%  
Gross profit margin %18.910.5 180.4%  
Provisions/contingencies Rs m7,371146,099 5.0%   
Profit before tax Rs m5,704215,082 2.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0882 0.0%   
Tax Rs m1,44977,993 1.9%   
Profit after tax Rs m4,256137,971 3.1%  
Net profit margin %11.113.7 81.1%  
BALANCE SHEET DATA
Advances Rs m182,9318,740,797 2.1%   
Deposits Rs m198,67812,245,934 1.6%  
Credit/Deposit ratio x92.171.4 129.0%  
Yield on advances %18.98.3 229.2%   
Cost of deposits %6.24.8 130.3%   
Net Interest Margin %9.93.0 327.2%  
Net fixed assets Rs m2,04992,239 2.2%   
Share capital Rs m5,14877,376 6.7%   
Free reserves Rs m19,713898,600 2.2%   
Net worth Rs m24,861975,977 2.5%   
Borrowings Rs m32,225269,743 11.9%   
Investments Rs m55,4103,439,529 1.6%   
Total assets Rs m260,86914,019,959 1.9%  
Debt/equity ratio x9.312.8 72.4%   
Return on assets %1.61.0 165.8%  
Return on equity %17.114.1 121.1%  
Capital adequacy ratio %23.317.0 137.1%  
Net NPAs %2.31.0 219.4%  
CASH FLOW
From Operations Rs m10,009199,297 5.0%  
From Investments Rs m-5,825-13,938 41.8%  
From Financial Activity Rs m2,351-114,889 -2.0%  
Net Cashflow Rs m6,53570,470 9.3%  

Share Holding

Indian Promoters % 63.4 74.8 84.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.7 18.1 31.5%  
FIIs % 0.2 6.9 2.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 36.6 25.2 145.1%  
Shareholders   115,818 1,019,061 11.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ESAF SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on ESAF SMALL FINANCE BANK 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:

ESAF SMALL FINANCE BANK vs Union Bank Share Price Performance

Period ESAF SMALL FINANCE BANK Union Bank
1-Day -0.74% -0.82%
1-Month -14.23% 3.09%
1-Year -43.56% 5.11%
3-Year CAGR -17.33% 37.94%
5-Year CAGR -10.79% 14.85%

* Compound Annual Growth Rate

Here are more details on the ESAF SMALL FINANCE BANK share price and the Union Bank share price.

Moving on to shareholding structures...

The promoters of ESAF SMALL FINANCE BANK hold a 63.4% stake in the company. In case of Union Bank the stake stands at 74.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of ESAF SMALL FINANCE BANK and the shareholding pattern of Union Bank.

Finally, a word on dividends...

In the most recent financial year, ESAF SMALL FINANCE BANK paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 8.5%.

Union Bank paid Rs 3.6, and its dividend payout ratio stood at 19.9%.

You may visit here to review the dividend history of ESAF SMALL FINANCE BANK, and the dividend history of Union Bank.

For a sector overview, read our finance sector report.



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