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- Indian - banking
- UCO BANK - J&K BANK
UCO BANK vs J&K BANK - Comparison Results
Current Valuations
| UCO BANK | J&K BANK | UCO BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 22.9 | 5.1 | 447.0% | View Chart |
| P/BV | x | 1.8 | 0.9 | 215.2% | View Chart |
| Dividend Yield | % | 0.7 | 2.3 | 29.4% |
Financials
 UCO BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| UCO BANK Mar-24 |
J&K BANK Mar-24 |
UCO BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 71 | 152 | 46.3% | |
| Low | Rs | 24 | 48 | 50.0% | |
| Income per share (Unadj.) | Rs | 18.3 | 101.8 | 18.0% | |
| Earnings per share (Unadj.) | Rs | 1.4 | 16.1 | 8.7% | |
| Cash flow per share (Unadj.) | Rs | 5.4 | 51.2 | 10.5% | |
| Dividends per share (Unadj.) | Rs | 0.28 | 2.15 | 13.0% | |
| Avg Dividend yield | % | 0.6 | 2.1 | 27.6% | |
| Book value per share (Unadj.) | Rs | 22.8 | 110.7 | 20.6% | |
| Shares outstanding (eoy) | m | 11,955.96 | 1,101.18 | 1,085.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.6 | 1.0 | 263.1% | |
| Avg P/E ratio | x | 33.9 | 6.2 | 543.4% | |
| Avg P/CF ratio | x | 12.3 | 4.8 | 254.7% | |
| Avg Price/Bookvalue ratio | x | 2.1 | 0.9 | 229.8% | |
| Dividend payout | % | 20.0 | 13.4 | 149.8% | |
| Avg Mkt Cap | Rs m | 567,191 | 110,597 | 512.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 48,867 | 25,790 | 189.5% | |
| 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 | 218,543 | 112,132 | 194.9% | |
| Other income | Rs m | 32,655 | 8,377 | 389.8% | |
| Interest expense | Rs m | 137,536 | 60,079 | 228.9% | |
| Net interest income | Rs m | 81,008 | 52,053 | 155.6% | |
| Operating expense | Rs m | 67,901 | 37,626 | 180.5% | |
| Gross profit | Rs m | 13,107 | 14,427 | 90.9% | |
| Gross profit margin | % | 6.0 | 12.9 | 46.6% | |
| Provisions/contingencies | Rs m | 29,225 | 5,105 | 572.5% | |
| Profit before tax | Rs m | 25,689 | 23,881 | 107.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 178 | 13 | 1,353.4% | |
| Tax | Rs m | 9,151 | 6,182 | 148.0% | |
| Profit after tax | Rs m | 16,716 | 17,712 | 94.4% | |
| Net profit margin | % | 7.6 | 15.8 | 48.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,820,219 | 937,566 | 194.1% | |
| Deposits | Rs m | 2,631,298 | 1,347,632 | 195.3% | |
| Credit/Deposit ratio | x | 69.2 | 69.6 | 99.4% | |
| Yield on advances | % | 7.8 | 9.2 | 84.7% | |
| Cost of deposits | % | 4.5 | 4.2 | 106.6% | |
| Net Interest Margin | % | 2.9 | 4.0 | 72.9% | |
| Net fixed assets | Rs m | 37,166 | 22,083 | 168.3% | |
| Share capital | Rs m | 119,560 | 1,101 | 10,855.9% | |
| Free reserves | Rs m | 152,578 | 120,826 | 126.3% | |
| Net worth | Rs m | 272,138 | 121,927 | 223.2% | |
| Borrowings | Rs m | 253,314 | 28,850 | 878.0% | |
| Investments | Rs m | 927,614 | 349,002 | 265.8% | |
| Total assets | Rs m | 3,235,485 | 1,545,046 | 209.4% | |
| Debt/equity ratio | x | 10.6 | 11.3 | 93.9% | |
| Return on assets | % | 0.5 | 1.1 | 45.1% | |
| Return on equity | % | 6.1 | 14.5 | 42.3% | |
| Capital adequacy ratio | % | 17.0 | 15.4 | 110.1% | |
| Net NPAs | % | 0.9 | 0.8 | 112.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 10,017 | -8,526 | -117.5% | |
| From Investments | Rs m | -2,949 | -2,573 | 114.6% | |
| From Financial Activity | Rs m | -4,295 | 4,074 | -105.4% | |
| Net Cashflow | Rs m | 2,973 | -7,024 | -42.3% | |
Share Holding
| Indian Promoters | % | 95.4 | 59.4 | 160.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 1.3 | 12.9 | 10.4% | |
| FIIs | % | 0.0 | 6.5 | 0.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 4.6 | 40.6 | 11.4% | |
| Shareholders | 773,466 | 278,050 | 278.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare UCO BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on UCO 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:
UCO Bank vs J&K Bank Share Price Performance
| Period | UCO Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.84% | 0.26% | 1.61% |
| 1-Month | -4.27% | 3.84% | -0.07% |
| 1-Year | 11.11% | -14.22% | 18.92% |
| 3-Year CAGR | 46.40% | 34.47% | 11.26% |
| 5-Year CAGR | 17.08% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the UCO Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of UCO Bank hold a 95.4% 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 UCO Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, UCO Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 20.0%.
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 UCO Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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