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UNITED BANK OF INDIA vs UCO BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA UCO BANK UNITED BANK OF INDIA/
UCO BANK
 
P/E (TTM) x 9.3 22.9 40.5% View Chart
P/BV x 0.4 1.8 19.2% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 UNITED BANK OF INDIA   UCO BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
UCO BANK
Mar-24
UNITED BANK OF INDIA/
UCO BANK
5-Yr Chart
Click to enlarge
High Rs1571 20.9%   
Low Rs924 37.4%   
Income per share (Unadj.) Rs11.518.3 63.0%  
Earnings per share (Unadj.) Rs-3.11.4 -223.0%  
Cash flow per share (Unadj.) Rs-7.25.4 -133.7%  
Dividends per share (Unadj.) Rs00.28 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs15.522.8 68.0%  
Shares outstanding (eoy) m7,427.9211,955.96 62.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.02.6 39.9%   
Avg P/E ratio x-3.833.9 -11.3%  
Avg P/CF ratio x6.312.3 50.8%  
Avg Price/Bookvalue ratio x0.82.1 37.0%  
Dividend payout %020.0 -0.0%   
Avg Mkt Cap Rs m88,578567,191 15.6%   
No. of employees `000NANA-   
Total wages & salary Rs m19,54548,867 40.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m85,599218,543 39.2%  
Other income Rs m23,84632,655 73.0%   
Interest expense Rs m65,853137,536 47.9%   
Net interest income Rs m19,74681,008 24.4%  
Operating expense Rs m29,47667,901 43.4%   
Gross profit Rs m-9,73013,107 -74.2%  
Gross profit margin %-11.46.0 -189.5%  
Provisions/contingencies Rs m37,27529,225 127.5%   
Profit before tax Rs m-45,80925,689 -178.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0178 0.0%   
Tax Rs m-22,6509,151 -247.5%   
Profit after tax Rs m-23,15916,716 -138.5%  
Net profit margin %-27.17.6 -353.7%  
BALANCE SHEET DATA
Advances Rs m669,5511,820,219 36.8%   
Deposits Rs m1,349,8332,631,298 51.3%  
Credit/Deposit ratio x49.669.2 71.7%  
Yield on advances %7.67.8 97.1%   
Cost of deposits %4.74.5 104.2%   
Net Interest Margin %1.52.9 52.4%  
Net fixed assets Rs m12,34137,166 33.2%   
Share capital Rs m74,279119,560 62.1%   
Free reserves Rs m40,710152,578 26.7%   
Net worth Rs m114,989272,138 42.3%   
Borrowings Rs m22,037253,314 8.7%   
Investments Rs m609,760927,614 65.7%   
Total assets Rs m1,515,2993,235,485 46.8%  
Debt/equity ratio x11.910.6 112.6%   
Return on assets %-1.50.5 -295.8%  
Return on equity %-20.16.1 -327.9%  
Capital adequacy ratio %13.017.0 76.6%  
Net NPAs %8.70.9 974.2%  
CASH FLOW
From Operations Rs m-150,73710,017 -1,504.7%  
From Investments Rs m-732-2,949 24.8%  
From Financial Activity Rs m45,761-4,295 -1,065.4%  
Net Cashflow Rs m-105,7082,973 -3,556.1%  

Share Holding

Indian Promoters % 97.4 95.4 102.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.2 1.3 91.8%  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 2.6 4.6 56.2%  
Shareholders   101,958 773,466 13.2%  
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    KOTAK MAHINDRA BANK    


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

Period United Bank of India UCO Bank S&P BSE BANKEX
1-Day -0.44% 0.84% 1.61%
1-Month -42.19% -4.27% -0.07%
1-Year -59.60% 11.11% 18.92%
3-Year CAGR -43.77% 46.40% 11.26%
5-Year CAGR -31.10% 17.08% 10.62%

* Compound Annual Growth Rate

Here are more details on the United Bank of India share price and the UCO 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 UCO Bank the stake stands at 95.4%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of United Bank of India and the shareholding pattern of UCO 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%.

UCO Bank paid Rs 0.3, and its dividend payout ratio stood at 20.0%.

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

For a sector overview, read our banking sector report.



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