United Bank of India(Merged)

₹ 4.50 1.12%

20 Mar 2020

unitedbankofindia.com BSE: 533171 NSE: UNITEDBNK

About

United Bank of India is an India-based bank. The Banks operations are classified into two business segments: Treasury Operations, and Banking Operations, which include Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers retail banking, corporate banking and international banking services.

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Website BSE NSE

Market Cap ₹ 4,081 Cr.
Current Price ₹ 4.50
High / Low ₹ /
Stock P/E 9.33
Book Value ₹ 15.5
Dividend Yield 0.00 %
ROCE 1.38 %
ROE -23.0 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.29 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -4.18% over past five years.
Company has a low return on equity of -14.0% over last 3 years.
Contingent liabilities of Rs.10,684 Cr.
Earnings include an other income of Rs.2,498 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019
	2,272	2,352	2,073	2,076	2,005	2,188	2,155	2,123	2,068	2,213	2,374	2,440	2,411
	1,233	1,767	1,369	1,353	1,719	2,213	1,514	2,195	2,743	2,489	1,245	1,184	1,251
Operating Profit	1,039	585	704	723	286	-25	642	-71	-675	-276	1,129	1,255	1,160
OPM %	46%	25%	34%	35%	14%	-1%	30%	-3%	-33%	-12%	48%	51%	48%
	814	321	779	509	478	448	395	477	778	735	629	574	561
Interest	1,911	1,850	1,818	1,699	1,657	1,674	1,610	1,681	1,688	1,607	1,647	1,667	1,591
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	-58	-943	-335	-467	-893	-1,252	-574	-1,275	-1,585	-1,148	111	162	129
Tax %	-210%	-108%	-37%	-26%	-29%	-79%	-32%	-31%	-28%	-108%	5%	24%	12%
	64	74	-211	-345	-638	-261	-389	-883	-1,139	95	105	124	114
EPS in Rs	0.48	0.53	-1.52	-2.21	-4.08	-0.87	-1.29	-2.91	-3.75	0.13	0.14	0.17	0.13
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Profit & Loss

Figures in Rs. Crores

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	TTM
	3,557	4,312	5,249	6,341	7,961	9,251	10,599	10,180	9,937	9,428	8,342	8,560	9,438
	1,142	1,400	1,441	2,038	2,294	3,202	5,257	3,537	4,356	4,925	6,534	8,814	6,170
Operating Profit	2,416	2,911	3,808	4,304	5,667	6,049	5,343	6,644	5,581	4,503	1,808	-254	3,269
OPM %	68%	68%	73%	68%	71%	65%	50%	65%	56%	48%	22%	-3%	35%
	466	549	559	638	733	1,067	1,207	1,747	1,468	2,187	2,215	2,385	2,498
Interest	2,653	3,150	3,858	4,172	5,482	6,764	8,036	7,690	7,656	7,500	6,849	6,585	6,512
Depreciation	49	64	99	100	70	61	69	106	103	104	120	126	0
Profit before tax	179	246	411	669	849	291	-1,556	595	-711	-914	-2,947	-4,581	-746
Tax %	19%	25%	21%	22%	25%	-35%	-22%	57%	-60%	-124%	-51%	-49%
	145	185	322	524	633	392	-1,213	256	-282	220	-1,454	-2,316	438
EPS in Rs			10.19	15.21	17.52	10.46	-21.88	3.05	-3.36	1.57	-4.85	-3.12	0.57
Dividend Payout %	32%	0%	20%	14%	14%	20%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	7%
5 Years:	-4%
3 Years:	-5%
TTM:	11%

Compounded Profit Growth
10 Years:	%
5 Years:	-38%
3 Years:	%
TTM:	116%

Stock Price CAGR
10 Years:	-21%
5 Years:	-15%
3 Years:	%
1 Year:	%

Return on Equity
10 Years:	-5%
5 Years:	-10%
3 Years:	-14%
Last Year:	-23%

Balance Sheet

Figures in Rs. Crores

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Equity Capital	1,532	1,532	316	344	361	375	555	840	840	1,394	3,000	7,428
Reserves	1,129	1,295	3,036	3,877	4,419	4,709	3,928	4,989	5,480	6,349	5,675	4,071
	48,133	55,243	69,646	83,056	94,836	106,394	116,770	112,879	119,314	129,491	132,632	137,187
	3,517	3,961	4,006	2,763	2,394	3,137	3,852	4,320	3,799	3,818	3,441	2,844
Total Liabilities	54,311	62,031	77,005	90,041	102,010	114,615	125,105	123,028	129,432	141,053	144,749	151,530
	622	623	650	817	792	821	924	873	1,209	1,178	1,286	1,234
CWIP	0	1	1	2	13	36	15	4	2	4	7	6
Investments	18,515	17,924	26,068	26,259	29,059	33,463	44,876	43,245	44,723	53,035	50,402	60,976
	35,174	43,483	50,286	62,963	72,147	80,295	79,290	78,905	83,497	86,836	93,054	89,314
Total Assets	54,311	62,031	77,005	90,041	102,010	114,615	125,105	123,028	129,432	141,053	144,749	151,530

Cash Flows

Figures in Rs. Crores

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	1,259	242	-362	688	-22	1,783	1,169	-4,803	2,428	4,123	4,659	-15,074
	-86	-84	-142	-61	-56	-112	-151	-45	-90	-74	-235	-73
	414	379	472	323	28	41	805	67	-43	642	2,794	4,576
Net Cash Flow	1,587	538	-32	950	-50	1,711	1,823	-4,781	2,295	4,690	7,218	-10,571

Ratios

Figures in Rs. Crores

	Mar 2008	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-216	-198	-171	-37	-26	-34	-55	57	99	82	159	186
ROCE %	6%	6%	7%	6%	7%	7%	6%	7%	6%	5%	3%	1%

Shareholding Pattern

Numbers in percentages

	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019
	85.23%	85.23%	86.81%	86.81%	93.13%	93.15%	92.25%	92.25%	96.83%	96.83%	96.83%	97.41%
	0.00%	0.01%	0.01%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	11.27%	9.60%	8.31%	7.89%	3.80%	3.78%	3.74%	3.73%	1.52%	1.53%	1.51%	1.23%
	3.50%	5.17%	4.87%	5.14%	3.06%	3.07%	4.00%	4.02%	1.65%	1.64%	1.65%	1.37%
No. of Shareholders	81,063	87,154	86,708	87,809	91,614	91,719	1,03,841	1,00,554	1,01,021	99,586	1,00,423	1,01,958

	Mar 2017	Mar 2018	Mar 2019	Dec 2019
	85.23%	93.13%	96.83%	97.41%
	11.27%	3.80%	1.52%	1.23%
	3.50%	3.06%	1.65%	1.37%
No. of Shareholders	81,063	91,614	1,01,021	1,01,958

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

United Bank of India(Merged)

United Bank of India(Merged)

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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