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- Indian - banking
- UNION BANK - J&K BANK
UNION BANK vs J&K BANK - Comparison Results
Current Valuations
| UNION BANK | J&K BANK | UNION BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.8 | 5.1 | 112.1% | View Chart |
| P/BV | x | 0.9 | 0.9 | 105.1% | View Chart |
| Dividend Yield | % | 3.1 | 2.3 | 137.9% |
Financials
 UNION BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| UNION BANK Mar-24 |
J&K BANK Mar-24 |
UNION BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 162 | 152 | 106.2% | |
| Low | Rs | 66 | 48 | 136.9% | |
| Income per share (Unadj.) | Rs | 131.5 | 101.8 | 129.1% | |
| Earnings per share (Unadj.) | Rs | 18.1 | 16.1 | 112.4% | |
| Cash flow per share (Unadj.) | Rs | 43.9 | 51.2 | 85.6% | |
| Dividends per share (Unadj.) | Rs | 3.60 | 2.15 | 167.4% | |
| Avg Dividend yield | % | 3.2 | 2.1 | 147.4% | |
| Book value per share (Unadj.) | Rs | 127.9 | 110.7 | 115.5% | |
| Shares outstanding (eoy) | m | 7,633.61 | 1,101.18 | 693.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.0 | 88.0% | |
| Avg P/E ratio | x | 6.3 | 6.2 | 101.1% | |
| Avg P/CF ratio | x | 3.1 | 4.8 | 63.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 98.4% | |
| Dividend payout | % | 19.9 | 13.4 | 149.0% | |
| Avg Mkt Cap | Rs m | 870,804 | 110,597 | 787.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 145,932 | 25,790 | 565.9% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 1,003,756 | 112,132 | 895.2% | |
| Other income | Rs m | 178,128 | 8,377 | 2,126.5% | |
| Interest expense | Rs m | 633,637 | 60,079 | 1,054.7% | |
| Net interest income | Rs m | 370,119 | 52,053 | 711.0% | |
| Operating expense | Rs m | 265,058 | 37,626 | 704.5% | |
| Gross profit | Rs m | 105,060 | 14,427 | 728.2% | |
| Gross profit margin | % | 10.5 | 12.9 | 81.4% | |
| Provisions/contingencies | Rs m | 146,099 | 5,105 | 2,862.0% | |
| Profit before tax | Rs m | 215,082 | 23,881 | 900.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 882 | 13 | 6,699.8% | |
| Tax | Rs m | 77,993 | 6,182 | 1,261.7% | |
| Profit after tax | Rs m | 137,971 | 17,712 | 779.0% | |
| Net profit margin | % | 13.7 | 15.8 | 87.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 8,740,797 | 937,566 | 932.3% | |
| Deposits | Rs m | 12,245,934 | 1,347,632 | 908.7% | |
| Credit/Deposit ratio | x | 71.4 | 69.6 | 102.6% | |
| Yield on advances | % | 8.3 | 9.2 | 89.9% | |
| Cost of deposits | % | 4.8 | 4.2 | 113.5% | |
| Net Interest Margin | % | 3.0 | 4.0 | 75.1% | |
| Net fixed assets | Rs m | 92,239 | 22,083 | 417.7% | |
| Share capital | Rs m | 77,376 | 1,101 | 7,025.7% | |
| Free reserves | Rs m | 898,600 | 120,826 | 743.7% | |
| Net worth | Rs m | 975,977 | 121,927 | 800.5% | |
| Borrowings | Rs m | 269,743 | 28,850 | 935.0% | |
| Investments | Rs m | 3,439,529 | 349,002 | 985.5% | |
| Total assets | Rs m | 14,019,959 | 1,545,046 | 907.4% | |
| Debt/equity ratio | x | 12.8 | 11.3 | 113.6% | |
| Return on assets | % | 1.0 | 1.1 | 85.8% | |
| Return on equity | % | 14.1 | 14.5 | 97.3% | |
| Capital adequacy ratio | % | 17.0 | 15.4 | 110.1% | |
| Net NPAs | % | 1.0 | 0.8 | 130.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 199,297 | -8,526 | -2,337.6% | |
| From Investments | Rs m | -13,938 | -2,573 | 541.8% | |
| From Financial Activity | Rs m | -114,889 | 4,074 | -2,819.8% | |
| Net Cashflow | Rs m | 70,470 | -7,024 | -1,003.3% | |
Share Holding
| Indian Promoters | % | 74.8 | 59.4 | 125.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 18.1 | 12.9 | 140.9% | |
| FIIs | % | 6.9 | 6.5 | 106.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 25.2 | 40.6 | 62.2% | |
| Shareholders | 1,019,061 | 278,050 | 366.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare UNION BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Union Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Union Bank vs J&K Bank Share Price Performance
| Period | Union Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.13% | 0.26% | 1.61% |
| 1-Month | 5.17% | 3.84% | -0.07% |
| 1-Year | 7.58% | -14.22% | 18.92% |
| 3-Year CAGR | 37.88% | 34.47% | 11.26% |
| 5-Year CAGR | 15.12% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Union Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Union Bank hold a 74.8% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Union Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Union Bank paid a dividend of Rs 3.6 per share. This amounted to a Dividend Payout ratio of 19.9%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of Union Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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