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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

15,657.50
13.44
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,952.34
0.95%
1.60

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

10.40
163.92
7.15

EBITDA CAGR (%)

10 Years
5 Years
3 Years

9.71
13.64
6.22

PAT CAGR (%)

10 Years
5 Years
3 Years

1.65
1.47

P:E (Median)

8 Years
5 Years
3 Years

17.28
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

8.47
7.64
7.89

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 1,605.33 1,388.64 15.60% 1,532.72 1,374.12 11.54% 1,478.74 1,326.24 11.50% 1,433.95 1,304.05 9.96%
Interest Exp. 980.04 843.47 16.19% 932.40 827.54 12.67% 890.99 810.31 9.96% 851.46 765.62 11.21%
Net Interest Income 625.29 545.17 14.70% 600.31 546.57 9.83% 587.74 515.93 13.92% 582.49 538.42 8.19%
NIM 3.54 3.54 0.00% 3.60 3.66 -1.64% 3.58 3.63 -1.38% 3.60 3.70 -2.70%
Other Income 243.88 192.13 26.93% 251.22 175.23 43.37% 228.39 192.88 18.41% 226.32 182.07 24.30%
Total Income 1,849.20 1,580.77 16.98% 1,783.94 1,549.35 15.14% 1,707.12 1,519.11 12.38% 1,660.27 1,486.11 11.72%
Operating Exp. 418.24 363.81 14.96% 410.57 369.98 10.97% 380.14 344.77 10.26% 380.63 333.88 14.00%
Operating Profit 450.92 373.49 20.73% 440.96 351.82 25.34% 436.00 364.03 19.77% 428.18 386.61 10.75%
Provision 70.00 39.00 79.49% 78.00 32.00 143.75% 75.00 46.00 63.04% 70.00 56.00 25.00%
PBT 380.92 334.49 13.88% 362.96 319.82 13.49% 361.00 318.03 13.51% 358.18 330.61 8.34%
PBTM 23.73 24.09 -1.49% 23.68 23.27 1.76% 24.41 23.98 1.79% 24.98 25.35 -1.46%
TAX 75.00 70.00 7.14% 75.00 65.00 15.38% 75.00 65.00 15.38% 73.00 50.00 46.00%
PAT 305.92 264.49 15.66% 287.96 254.82 13.01% 286.00 253.03 13.03% 285.18 280.61 1.63%
PATM 19.06% 19.05% 18.79% 18.54% 19.34% 19.08% 19.89% 21.52%
EPS 4.13 3.57 15.69% 3.89 3.44 13.08% 3.86 3.42 12.87% 3.85 3.79 1.58%
Gross NPA 1,616.98 1,806.45 -10.49% 1,638.17 1,854.43 -11.66% 1,693.04 1,968.11 -13.98% 1,725.50 2,034.63 -15.19%
Gross NPA% 2.99 3.88 -22.94% 3.09 3.99 -22.56% 3.36 4.47 -24.83% 3.54 4.66 -24.03%
Net NPA 634.55 853.50 -25.65% 653.07 898.68 -27.33% 701.54 940.90 -25.44% 775.02 998.73 -22.40%
Net NPA% 1.20 1.87 -35.83% 1.25 1.97 -36.55% 1.42 2.19 -35.16% 1.62 2.34 -30.77%
CASA 27.31 29.52 -7.49% 28.52 30.63 -6.89% 27.68 29.12 -4.95% 29.45 29.56 -0.37%

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 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 2,395.85 2,315.71 2,123.47 2,162.80 1,916.49 1,829.66 1,675.19 1,611.49 1,430.30 1,198.77 981.04 Interest Earned 6,050.74 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 2,944.21 Interest Expended 3,654.89 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 1,963.17 Int. income Growth 11.64% 9.05% -1.82% 12.85% 4.75% 9.22% 3.95% 12.67% 19.31% 22.19% Other Income 949.81 898.06 741.66 810.36 759.08 688.77 679.95 514.39 532.10 483.95 409.98 Total Income 7,000.53 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 1,391.02 Total Expenditure 1,589.58 1,715.56 1,559.00 1,722.83 1,605.39 1,738.14 1,689.83 1,139.52 1,119.94 936.94 735.89 Employee Cost - 733.00 613.81 530.37 503.60 463.72 420.65 364.44 315.88 298.14 213.17 % Of Sales - 12.56% 11.65% 11.25% 12.27% 11.22% 10.09% 9.67% 9.28% 9.39% 7.24% Opt. & Establishment Exp. - 883.74 809.97 697.66 661.68 674.34 672.08 582.94 491.23 443.85 396.99 % Of Sales - 15.15% 15.37% 14.80% 16.12% 16.31% 16.12% 15.47% 14.44% 13.98% 13.48% Provisions - 262.00 286.00 640.50 610.15 775.02 755.08 315.14 417.75 300.97 230.59 % Of Sales - 4.49% 5.43% 13.59% 14.86% 18.74% 18.11% 8.37% 12.28% 9.48% 7.83% EBITDA 1,756.08 1,498.21 1,306.13 1,250.33 1,070.18 780.29 665.31 986.36 842.46 745.78 655.13 EBITDA Margin 73.73% 64.70% 61.51% 57.81% 55.84% 42.65% 39.72% 61.21% 58.90% 62.21% 66.78% Depreciation 0.00 81.59 75.39 72.85 85.02 87.47 78.99 61.50 52.46 53.01 52.43 PBT 1,463.06 1,416.63 1,230.73 1,177.48 985.17 692.82 586.32 924.85 790.00 692.77 602.69 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 298.00 293.00 215.00 240.00 225.00 100.00 110.00 242.00 198.00 190.00 158.00 Tax Rate 20.37% 20.68% 17.47% 20.38% 22.84% 14.43% 18.76% 26.17% 25.06% 27.43% 26.22% PAT 1,165.06 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 PAT before Minority Interest 1,165.06 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 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 34.82% 34.96% 35.45% 31.53% 28.41% 23.54% 20.22% 32.12% 30.17% 29.88% 31.97% PAT Growth 10.65% 10.62% 8.35% 23.33% 28.23% 24.46% -30.25% 15.35% 17.75% 13.06% EPS 15.72 15.16 13.71 12.65 10.26 8.00 6.43 9.22 7.99 6.79 6.00

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 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 3,052.00 Share Capital 74.10 74.07 74.04 73.96 73.88 73.73 73.45 66.47 60.11 59.82 Total Reserves 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 2,992.18 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 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 27,158.13 Borrowings 2,169.41 4,724.16 4,688.09 5,311.82 1,345.70 2,032.40 480.91 1,735.88 531.00 664.55 Other Liabilities & Provisions 2,461.23 2,043.64 2,051.40 1,943.72 1,586.15 1,572.57 1,489.27 1,185.51 1,053.84 929.29 Total Liabilities 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 31,803.97 Net Block 322.34 270.37 239.33 214.65 232.69 245.16 250.03 223.13 215.08 217.56 Gross Block 1,155.29 1,035.50 938.90 860.43 797.45 759.25 689.84 602.68 542.98 492.90 Accumulated Depreciation 832.95 765.13 699.58 645.78 564.76 514.09 439.81 379.55 327.90 275.35 Total Non-Current Assets 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 30,751.00 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 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 1,412.57 Balance with banks and money at call 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 1,237.50 Investments 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 6,826.45 Advances 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 21,056.92 Other Assets 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 1,052.97 Total Assets 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 31,803.97 Contingent Liabilities 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 6,504.40 Bills for collection 499.61 469.91 401.08 409.02 372.62 335.79 460.81 319.09 256.97 309.85 Adjusted Book Value 127.76 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity 1,128.30 436.20 724.13 1,165.50 921.80 1,836.23 418.60 -183.10 283.61 248.46 PBT 1,123.63 1,015.73 937.48 760.17 592.82 476.32 682.85 592.00 502.77 444.69 Adjustment 654.16 452.93 758.49 663.18 652.93 699.70 528.95 500.05 338.30 315.52 Adjustments for Liabilities & Assets -445.93 -868.99 -779.17 -236.90 -256.54 623.84 -601.62 -1,158.15 -458.63 -543.05 Refund/(Payment) of direct taxes -203.56 -163.48 -192.68 -20.95 -67.41 36.37 -191.58 -117.00 -98.83 31.29 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 -119.69 -106.41 -71.88 -62.84 -37.96 -59.59 -86.69 -60.53 -50.32 -59.99 Net Fixed Assets -119.79 -96.60 -78.47 -62.98 -38.20 -69.41 -87.16 -59.70 -50.08 -59.26 Other Investment Activity -1261.70 -1107.38 -1001.74 -898.39 -857.04 -845.94 -750.37 -653.00 -602.97 -557.23 Cash from Financing Activity -2,661.59 -35.53 -689.90 -30.79 9.57 -18.28 -5.07 1.09 -4.38 -75.17 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow -1,652.98 294.25 -37.66 1,071.87 893.41 1,758.36 326.84 -242.53 228.90 113.30 Opening Cash & Equivalents 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

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value 127.76 113.43 100.72 89.05 79.08 71.83 65.91 56.94 49.09 42.17 NIM 3.10 3.12 3.38 3.23 3.57 3.51 3.72 3.73 3.55 3.21 Yield on Advances 11.20 11.58 10.95 10.17 11.44 12.29 11.53 12.22 13.32 13.98 Yield on Investments 6.51 6.33 5.88 5.67 8.65 8.44 7.60 7.83 9.19 8.59 Cost of Liabilities 5.36 5.21 4.47 4.13 5.02 5.82 5.54 5.70 6.44 7.06 Interest Spread 5.85 6.37 6.48 6.04 6.41 6.47 5.99 6.51 6.87 6.93 ROCE 13.39% 11.70% 12.05% 11.04% 10.51% 10.16% 17.34% 16.70% 18.57% 19.54% Cost Income Ratio 47.77 47.06 38.85 40.37 41.72 43.04 41.67 38.46 40.94 40.10 Core Cost Income Ratio 48.50 47.93 38.49 41.16 45.66 46.17 42.32 40.39 43.75 41.45 Operating Costs to Assets 1.98 1.90 1.73 1.76 1.97 2.04 1.96 1.89 1.95 1.75 Loans/Deposits 0.03 0.08 0.09 0.11 0.03 0.05 0.01 0.05 0.02 0.02 Cash/Deposits 0.06 0.08 0.06 0.06 0.06 0.05 0.05 0.06 0.05 0.05 Investment/Deposits 0.27 0.28 0.27 0.26 0.21 0.22 0.20 0.24 0.23 0.25 Inc Loan/Deposits 3.42% 8.49% 8.95% 11.14% 3.02% 4.98% 1.25% 5.28% 1.76% 2.45% Credit Deposits 81.98% 81.80% 82.17% 84.63% 81.19% 83.09% 84.98% 84.78% 79.14% 77.53% Interest Expended / Interest earned 60.31% 59.71% 54.12% 53.31% 55.75% 59.81% 57.22% 57.96% 62.23% 66.68% Interest income / Total funds 7.52% 7.44% 7.08% 6.67% 7.76% 8.38% 8.32% 8.52% 9.00% 9.26% Interest Expended / Total funds 4.53% 4.44% 3.83% 3.56% 4.32% 5.01% 4.76% 4.94% 5.60% 6.17% CASA 28.52% 30.63% 29.88% 32.56% 29.15% 24.97% 25.22% 24.22% 23.37% 20.37%