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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

22,986.26
16.39
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

22,045.73
0.65%
2.10

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

11.72
22.84
5.27

EBITDA CAGR (%)

10 Years
5 Years
3 Years

10.19
11.77
9.30

PAT CAGR (%)

10 Years
5 Years
3 Years

1.60
1.58

P:E (Median)

8 Years
5 Years
3 Years

15.58
13.05
12.30

P:BV (Average)

8 Years
5 Years
3 Years

1.71
1.60
1.58

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.45
7.89
8.47

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Interest Earned 1,984.98 1,605.33 23.65% 1,855.62 1,532.72 21.07% 1,755.68 1,478.74 18.73% 1,653.13 1,433.95 15.29%
Interest Exp. 1,164.85 980.04 18.86% 1,069.78 932.40 14.73% 1,003.51 890.99 12.63% 986.59 851.46 15.87%
Net Interest Income 820.13 625.29 31.16% 785.83 600.31 30.90% 752.18 587.74 27.98% 666.53 582.49 14.43%
NIM 3.78 3.54 6.78% 3.87 3.60 7.50% 3.69 3.58 3.07% 3.63 3.60 0.83%
Other Income 243.59 243.88 -0.12% 290.48 251.22 15.63% 245.35 228.39 7.43% 259.13 226.32 14.50%
Total Income 2,228.57 1,849.20 20.52% 2,146.09 1,783.94 20.30% 2,001.03 1,707.12 17.22% 1,912.26 1,660.27 15.18%
Operating Exp. 483.15 418.24 15.52% 496.74 410.57 20.99% 484.36 380.14 27.42% 455.08 380.63 19.56%
Operating Profit 580.57 450.92 28.75% 579.56 440.96 31.43% 513.16 436.00 17.70% 470.59 428.18 9.90%
Provision 78.00 70.00 11.43% 120.00 78.00 53.85% 96.00 75.00 28.00% 57.00 70.00 -18.57%
PBT 502.57 380.92 31.94% 459.56 362.96 26.61% 417.16 361.00 15.56% 413.59 358.18 15.47%
PBTM 25.32 23.73 6.70% 24.77 23.68 4.60% 23.76 24.41 -2.66% 25.02 24.98 0.16%
TAX 120.00 75.00 60.00% 100.00 75.00 33.33% 85.00 75.00 13.33% 85.00 73.00 16.44%
PAT 382.57 305.92 25.06% 359.56 287.96 24.86% 332.16 286.00 16.14% 328.59 285.18 15.22%
PATM 19.27% 19.06% 19.38% 18.79% 18.92% 19.34% 19.88% 19.89%
EPS 3.86 3.10 24.52% 3.63 2.91 24.74% 3.36 2.89 16.26% 3.33 2.89 15.22%
Gross NPA 1,169.74 1,616.98 -27.66% 1,273.08 1,638.17 -22.29% 1,320.00 1,693.04 -22.03% 1,393.22 1,725.50 -19.26%
Gross NPA% 1.73 2.99 -42.14% 1.91 3.09 -38.19% 2.17 3.36 -35.42% 2.42 3.54 -31.64%
Net NPA 405.20 634.55 -36.14% 449.42 653.07 -31.18% 469.34 701.54 -33.10% 512.86 775.02 -33.83%
Net NPA% 0.61 1.20 -49.17% 0.68 1.25 -45.60% 0.78 1.42 -45.07% 0.90 1.62 -44.44%
CASA 26.59 27.31 -2.64% 27.64 28.52 -3.09% 27.28 27.68 -1.45% 28.12 29.45 -4.52%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 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 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 3,024.68 2,829.84 2,315.71 2,123.47 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 Interest Earned 7,249.41 6,869.76 5,834.04 5,270.57 4,714.34 4,104.78 4,134.68 4,168.60 3,767.17 3,402.42 3,173.79 Interest Expended 4,224.73 4,039.92 3,518.33 3,147.10 2,551.54 2,188.29 2,305.02 2,493.41 2,155.68 1,972.12 1,975.02 Int. income Growth 26.25% 22.20% 9.05% -1.82% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% Other Income 1,038.55 1,038.83 898.06 741.66 810.36 759.08 688.77 679.95 514.39 532.10 483.95 Total Income 8,287.95 3,868.67 3,213.77 2,865.13 2,973.16 2,675.57 2,518.43 2,355.14 2,125.88 1,962.40 1,682.72 Total Expenditure 1,919.34 2,090.03 1,715.56 1,559.00 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 Employee Cost - 889.79 733.00 613.81 530.37 503.60 463.72 420.65 364.44 315.88 298.14 % Of Sales - 12.95% 12.56% 11.65% 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% Opt. & Establishment Exp. - 1,072.04 883.74 809.97 697.66 661.68 674.34 672.08 582.94 491.23 443.85 % Of Sales - 15.61% 15.15% 15.37% 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% Provisions - 343.00 262.00 286.00 640.50 610.15 775.02 755.08 315.14 417.75 300.97 % Of Sales - 4.99% 4.49% 5.43% 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% EBITDA 2,143.89 1,778.64 1,498.21 1,306.13 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 EBITDA Margin 73.52% 62.85% 64.70% 61.51% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% Depreciation 0.00 107.40 81.59 75.39 72.85 85.02 87.47 78.99 61.50 52.46 53.01 PBT 1,792.88 1,671.23 1,416.63 1,230.73 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 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 390.00 345.00 293.00 215.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 Tax Rate 21.75% 20.64% 20.68% 17.47% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% PAT 1,402.88 1,326.23 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 PAT before Minority Interest 1,402.88 1,326.23 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 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 34.53% 34.28% 34.96% 35.45% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% PAT Growth 20.41% 18.03% 10.62% 8.35% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% EPS 14.16 13.39 11.34 10.25 9.46 7.67 5.98 4.81 6.89 5.97 5.07

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 10,564.86 9,466.62 8,401.43 7,457.21 6,585.71 5,842.48 5,296.07 4,840.76 4,163.24 3,570.20 Share Capital 74.30 74.10 74.07 74.04 73.96 73.88 73.73 73.45 66.47 60.11 Total Reserves 10,490.56 9,392.52 8,327.36 7,383.17 6,511.75 5,768.59 5,222.34 4,767.31 4,096.76 3,510.09 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 78,307.95 63,525.95 55,656.64 52,397.86 47,689.67 44,537.36 40,832.49 38,447.95 32,852.62 30,115.74 Borrowings 5,326.80 2,169.41 4,724.16 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 Other Liabilities & Provisions 2,824.78 2,461.23 2,043.64 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 Total Liabilities 97,024.39 77,623.21 70,825.87 66,594.56 61,530.92 53,311.69 49,733.53 45,258.89 39,937.25 35,270.78 Net Block 468.53 322.34 270.37 239.33 214.65 232.69 245.16 250.03 223.13 215.08 Gross Block 1,370.64 1,155.29 1,035.50 938.90 860.43 797.45 759.25 689.84 602.68 542.98 Accumulated Depreciation 902.11 832.95 765.13 699.58 645.78 564.76 514.09 439.81 379.55 327.90 Total Non-Current Assets 94,257.69 75,030.27 68,403.72 64,274.59 59,481.27 51,441.52 48,011.05 43,598.85 38,591.48 33,958.21 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 6,267.33 3,874.57 4,615.40 3,302.36 2,965.10 2,792.71 2,030.37 1,993.12 1,861.80 1,484.19 Balance with banks and money at call 2,659.74 1,415.97 2,328.12 3,346.92 3,721.83 2,822.35 2,691.28 970.16 774.65 1,394.79 Investments 18,986.92 17,336.14 15,664.11 14,332.63 12,221.22 9,435.94 9,116.79 7,712.20 7,879.11 7,031.45 Advances 65,875.17 52,081.25 45,525.72 43,053.35 40,358.47 36,157.83 33,927.45 32,673.34 27,852.79 23,832.70 Other Assets 2,766.70 2,592.94 2,422.14 2,319.99 2,049.64 1,870.16 1,722.49 1,660.03 1,345.78 1,312.57 Total Assets 97,024.39 77,623.21 70,825.86 66,594.58 61,530.91 53,311.68 49,733.54 45,258.88 39,937.26 35,270.78 Contingent Liabilities 15,906.94 10,292.14 7,847.00 10,263.66 9,295.73 8,191.54 8,502.71 4,835.45 5,716.00 7,176.35 Bills for collection 582.92 499.61 469.91 401.08 409.02 372.62 335.79 460.81 319.09 256.97 Adjusted Book Value 106.64 95.82 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 802.47 1,128.30 436.20 724.13 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 PBT 1,326.23 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 Adjustment 805.97 654.16 452.93 758.49 663.18 652.93 699.70 528.95 500.05 338.30 Adjustments for Liabilities & Assets -1,086.64 -445.93 -868.99 -779.17 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 Refund/(Payment) of direct taxes -243.09 -203.56 -163.48 -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 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 -207.85 -119.69 -106.41 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 Net Fixed Assets -215.35 -119.79 -96.60 -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 Other Investment Activity -1490.33 -1261.70 -1107.38 -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 Cash from Financing Activity 3,041.91 -2,661.59 -35.53 -689.90 -30.79 9.57 -18.28 -5.07 1.09 -4.38 Closing Cash & Equivalent 8,927.07 5,290.54 6,943.53 6,649.27 6,686.93 5,615.06 4,721.65 2,963.28 2,636.44 2,878.98 Net Cash Inflow / Outflow 3,636.53 -1,652.98 294.25 -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 Opening Cash & Equivalents 5,290.54 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

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 106.64 95.82 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 NIM 3.02 3.10 3.12 3.38 3.23 3.57 3.51 3.72 3.73 3.55 Yield on Advances 10.43 11.20 11.58 10.95 10.17 11.44 12.29 11.53 12.22 13.32 Yield on Investments 6.72 6.51 6.33 5.88 5.67 8.65 8.44 7.60 7.83 9.19 Cost of Liabilities 4.83 5.36 5.21 4.47 4.13 5.02 5.82 5.54 5.70 6.44 Interest Spread 5.60 5.85 6.37 6.48 6.04 6.41 6.47 5.99 6.51 6.87 ROCE 13.50% 13.39% 11.70% 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% Cost Income Ratio 47.93 47.77 47.06 38.85 40.37 41.72 43.04 41.67 38.46 40.94 Core Cost Income Ratio 48.88 48.50 47.93 38.49 41.16 45.66 46.17 42.32 40.39 43.75 Operating Costs to Assets 1.91 1.98 1.90 1.73 1.76 1.97 2.04 1.96 1.89 1.95 Loans/Deposits 0.07 0.03 0.08 0.09 0.11 0.03 0.05 0.01 0.05 0.02 Cash/Deposits 0.08 0.06 0.08 0.06 0.06 0.06 0.05 0.05 0.06 0.05 Investment/Deposits 0.24 0.27 0.28 0.27 0.26 0.21 0.22 0.20 0.24 0.23 Inc Loan/Deposits 6.80% 3.42% 8.49% 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% Credit Deposits 84.12% 81.98% 81.80% 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% Interest Expended / Interest earned 58.81% 60.31% 59.71% 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% Interest income / Total funds 7.08% 7.52% 7.44% 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% Interest Expended / Total funds 4.16% 4.53% 4.44% 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% CASA 27.64% 28.52% 30.63% 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37%