City Union Bank, 532210, CUB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17,069.12
15.19
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

17,177.88
0.87%
1.80

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

16.52
-
16.69

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.21
16.35
10.14

PAT CAGR (%)

10 Years
5 Years
3 Years

1.65
1.47

P:E (Median)

8 Years
5 Years
3 Years

18.19
13.33
11.68

P:BV (Average)

8 Years
5 Years
3 Years

1.68
1.65
1.47

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.49
7.57
7.83

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 1,532.72 1,374.12 11.54% 1,478.74 1,326.24 11.50% 1,433.95 1,304.05 9.96% 1,388.64 1,266.17 9.67%
Interest Exp. 932.40 827.54 12.67% 890.99 810.31 9.96% 851.46 765.62 11.21% 843.47 743.62 13.43%
Net Interest Income 600.31 546.57 9.83% 587.74 515.93 13.92% 582.49 538.42 8.19% 545.17 522.54 4.33%
NIM 3.60 3.66 -1.64% 3.58 3.63 -1.38% 3.60 3.70 -2.70% 3.54 3.67 -3.54%
Other Income 251.22 175.23 43.37% 228.39 192.88 18.41% 226.32 182.07 24.30% 192.13 191.48 0.34%
Total Income 1,783.94 1,549.35 15.14% 1,707.12 1,519.11 12.38% 1,660.27 1,486.11 11.72% 1,580.77 1,457.65 8.45%
Operating Exp. 410.57 369.98 10.97% 380.14 344.77 10.26% 380.63 333.88 14.00% 363.81 299.76 21.37%
Operating Profit 440.96 351.82 25.34% 436.00 364.03 19.77% 428.18 386.61 10.75% 373.49 414.27 -9.84%
Provision 78.00 32.00 143.75% 75.00 46.00 63.04% 70.00 56.00 25.00% 39.00 152.00 -74.34%
PBT 362.96 319.82 13.49% 361.00 318.03 13.51% 358.18 330.61 8.34% 334.49 262.27 27.54%
PBTM 23.68 23.27 1.76% 24.41 23.98 1.79% 24.98 25.35 -1.46% 24.09 20.71 16.32%
TAX 75.00 65.00 15.38% 75.00 65.00 15.38% 73.00 50.00 46.00% 70.00 35.00 100.00%
PAT 287.96 254.82 13.01% 286.00 253.03 13.03% 285.18 280.61 1.63% 264.49 227.27 16.38%
PATM 18.79% 18.54% 19.34% 19.08% 19.89% 21.52% 19.05% 17.95%
EPS 3.89 3.44 13.08% 3.86 3.42 12.87% 3.85 3.79 1.58% 3.57 3.07 16.29%
Gross NPA 1,638.17 1,854.43 -11.66% 1,693.04 1,968.11 -13.98% 1,725.50 2,034.63 -15.19% 1,806.45 2,081.07 -13.20%
Gross NPA% 3.09 3.99 -22.56% 3.36 4.47 -24.83% 3.54 4.66 -24.03% 3.88 4.91 -20.98%
Net NPA 653.07 898.68 -27.33% 701.54 940.90 -25.44% 775.02 998.73 -22.40% 853.50 1,038.59 -17.82%
Net NPA% 1.25 1.97 -36.55% 1.42 2.19 -35.16% 1.62 2.34 -30.77% 1.87 2.51 -25.50%
CASA 28.52 30.63 -6.89% 27.68 29.12 -4.95% 29.45 29.56 -0.37% 29.52 30.77 -4.06%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 2,315.73 2,123.47 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 981.04 807.37 Interest Earned 5,834.05 5,270.57 4,714.34 4,104.78 4,134.68 4,168.60 3,767.17 3,402.42 3,173.79 2,944.21 2,698.86 Interest Expended 3,518.32 3,147.10 2,551.54 2,188.29 2,305.02 2,493.41 2,155.68 1,972.12 1,975.02 1,963.17 1,891.49 Int. income Growth 9.05% -1.82% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% 22.19% 21.51% Other Income 898.06 741.66 810.36 759.08 688.77 679.95 514.39 532.10 483.95 409.98 404.10 Total Income 6,732.10 2,865.13 2,973.16 2,675.57 2,518.43 2,355.14 2,125.88 1,962.40 1,682.72 1,391.02 1,211.47 Total Expenditure 1,535.15 1,559.00 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 735.89 654.61 Employee Cost - 613.81 530.37 503.60 463.72 420.65 364.44 315.88 298.14 213.17 210.27 % Of Sales - 11.65% 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% 7.24% 7.79% Opt. & Establishment Exp. - 809.97 697.66 661.68 674.34 672.08 582.94 491.23 443.85 396.99 355.28 % Of Sales - 15.37% 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% 13.48% 13.16% Provisions - 286.00 640.50 610.15 775.02 755.08 315.14 417.75 300.97 230.59 182.52 % Of Sales - 5.43% 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% 7.83% 6.76% EBITDA 1,678.64 1,306.13 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 655.13 556.86 EBITDA Margin 73.69% 61.51% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% 66.78% 68.97% Depreciation 0.00 75.39 72.85 85.02 87.47 78.99 61.50 52.46 53.01 52.43 46.73 PBT 1,416.63 1,230.73 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 602.69 510.13 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 293.00 215.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 158.00 126.00 Tax Rate 20.68% 17.47% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% 26.22% 24.70% PAT 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 PAT before Minority Interest 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 384.13 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 34.96% 35.45% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% 31.97% 31.71% PAT Growth 10.62% 8.35% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% 13.06% 15.77% EPS 15.16 13.71 12.65 10.26 8.00 6.43 9.22 7.99 6.79 6.00 5.18

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 8,401.43 7,457.21 6,585.71 5,842.48 5,296.07 4,840.76 4,163.24 3,570.20 3,052.00 2,695.52 Share Capital 74.07 74.04 73.96 73.88 73.73 73.45 66.47 60.11 59.82 59.66 Total Reserves 8,327.36 7,383.17 6,511.75 5,768.59 5,222.34 4,767.31 4,096.76 3,510.09 2,992.18 2,635.87 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 55,656.64 52,397.86 47,689.67 44,537.36 40,832.49 38,447.95 32,852.62 30,115.74 27,158.13 24,074.96 Borrowings 4,724.16 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 664.55 168.82 Other Liabilities & Provisions 2,043.64 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 929.29 931.83 Total Liabilities 70,825.87 66,594.56 61,530.92 53,311.69 49,733.53 45,258.89 39,937.25 35,270.78 31,803.97 27,871.13 Net Block 270.37 239.33 214.65 232.69 245.16 250.03 223.13 215.08 217.56 210.41 Gross Block 1,035.50 938.90 860.43 797.45 759.25 689.84 602.68 542.98 492.90 433.64 Accumulated Depreciation 765.13 699.58 645.78 564.76 514.09 439.81 379.55 327.90 275.35 223.23 Total Non-Current Assets 68,403.72 64,274.59 59,481.27 51,441.52 48,011.05 43,598.85 38,591.48 33,958.21 30,751.00 26,583.35 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 4,615.40 3,302.36 2,965.10 2,792.71 2,030.37 1,993.12 1,861.80 1,484.19 1,412.57 1,233.51 Balance with banks and money at call 2,328.12 3,346.92 3,721.83 2,822.35 2,691.28 970.16 774.65 1,394.79 1,237.50 1,303.26 Investments 15,664.11 14,332.63 12,221.22 9,435.94 9,116.79 7,712.20 7,879.11 7,031.45 6,826.45 5,870.67 Advances 45,525.72 43,053.35 40,358.47 36,157.83 33,927.45 32,673.34 27,852.79 23,832.70 21,056.92 17,965.50 Other Assets 2,422.14 2,319.99 2,049.64 1,870.16 1,722.49 1,660.03 1,345.78 1,312.57 1,052.97 1,287.77 Total Assets 70,825.86 66,594.58 61,530.91 53,311.68 49,733.54 45,258.88 39,937.26 35,270.78 31,803.97 27,871.12 Contingent Liabilities 7,847.00 10,263.66 9,295.73 8,191.54 8,502.71 4,835.45 5,716.00 7,176.35 6,504.40 7,536.52 Bills for collection 469.91 401.08 409.02 372.62 335.79 460.81 319.09 256.97 309.85 266.46 Adjusted Book Value 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 436.20 724.13 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 248.46 130.65 PBT 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 395.02 Adjustment 452.93 758.49 663.18 652.93 699.70 528.95 500.05 338.30 315.52 215.20 Adjustments for Liabilities & Assets -868.99 -779.17 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 -543.05 -332.98 Refund/(Payment) of direct taxes -163.48 -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 31.29 -146.60 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -106.41 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 -59.99 -64.33 Net Fixed Assets -96.60 -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 -59.26 -74.18 Other Investment Activity -1107.38 -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 -557.23 -512.64 Cash from Financing Activity -35.53 -689.90 -30.79 9.57 -18.28 -5.07 1.09 -4.38 -75.17 290.83 Closing Cash & Equivalent 6,943.53 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 Net Cash Inflow / Outflow 294.25 -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 113.30 357.15 Opening Cash & Equivalents 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 2,650.07 2,536.77 2,179.62

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 37.34 NIM 3.12 3.38 3.23 3.57 3.51 3.72 3.73 3.55 3.21 3.06 Yield on Advances 11.58 10.95 10.17 11.44 12.29 11.53 12.22 13.32 13.98 15.02 Yield on Investments 6.33 5.88 5.67 8.65 8.44 7.60 7.83 9.19 8.59 9.42 Cost of Liabilities 5.21 4.47 4.13 5.02 5.82 5.54 5.70 6.44 7.06 7.80 Interest Spread 6.37 6.48 6.04 6.41 6.47 5.99 6.51 6.87 6.93 7.22 ROCE 11.70% 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% 19.54% 21.12% Cost Income Ratio 47.06 38.85 40.37 41.72 43.04 41.67 38.46 40.94 40.10 42.83 Core Cost Income Ratio 47.93 38.49 41.16 45.66 46.17 42.32 40.39 43.75 41.45 45.07 Operating Costs to Assets 1.90 1.73 1.76 1.97 2.04 1.96 1.89 1.95 1.75 1.86 Loans/Deposits 0.08 0.09 0.11 0.03 0.05 0.01 0.05 0.02 0.02 0.01 Cash/Deposits 0.08 0.06 0.06 0.06 0.05 0.05 0.06 0.05 0.05 0.05 Investment/Deposits 0.28 0.27 0.26 0.21 0.22 0.20 0.24 0.23 0.25 0.24 Inc Loan/Deposits 8.49% 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% 2.45% 0.70% Credit Deposits 81.80% 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% 77.53% 74.62% Interest Expended / Interest earned 59.71% 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% 66.68% 70.08% Interest income / Total funds 7.44% 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% 9.26% 9.68% Interest Expended / Total funds 4.44% 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% 6.17% 6.79% CASA 30.63% 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37% 20.37% 19.23%