Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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X

United Bank of India

Mid Cap

Evaluated by 1205 users |

BSE

: 533171 |

NSE

: UNITEDBNK |

Bank - Public

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Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Consolidated basis
 Mar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Net Interest Income (Rs. Cr.)1,3912,1692,4792,4872,5632,4912,2811,9281,4931,975
Y-o-Y Gr. Rt.-55.9%14.3%0.3%3%-2.8%-8.4%-15.5%-22.6%32.3%
Total Income5,8086,9798,69410,31811,80611,92711,40411,61510,55610,944
Y-o-Y Gr. Rt.-20.2%24.6%18.7%14.4%1%-4.4%1.8%-9.1%3.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
9.7113.5115.428.64-21.873.05-3.361.57-4.85-3.12
Y-o-Y Gr. Rt.-39.1%14.1%-44%-353.1%NA-210.2%NA-408.9%NA
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
91.69103.46114.65119.0169.8362.3558.5446.0825.7214.24
Y-o-Y Gr. Rt.-12.8%10.8%3.8%-41.3%-10.7%-6.1%-21.3%-44.2%-44.6%
Net Profit/Total Funds (%)
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1 : Not Good
Net Profit/Total Funds (%)0.460.630.660.36-1.010.21-0.220.16-1.02-1.56
Net NPA to Net Advances (%): Colour Rating Guide
  • < 0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1: Not Good
Net NPA to Net Advances (%)1.841.421.722.877.186.229.0410.0216.498.67
Capital Adequacy Ratio: Colour Rating Guide
  • > 12% : Very Good
  • 9%-12% : Somewhat Good
  • <9%: Not Good
Capital Adequacy Ratio - - - - - - - - - 0%
CAGR
Growth rate helf you understand how the company has performed over different time frames.
CAGR Colour Code Guide
CAGR Colour Code Guide
  • >12% : Very Good
  • 8% to 12% : Somewhat Good
  • <8% : Not Good
  9 yrs 5 yrs 3 yrs 1 yr
Net Interest Income4%-5.1%-4.7%32.3%
Total Income7.3%-1.5%-1.4%3.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-188.2%NANANA
Book Value per Share
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
-18.7%-27.2%-37.6%-44.6%
Share Price -27.3% -28.9% -29.5% -25.7%
 
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Interest Earned / Total Income90.3890.8791.5789.6689.7885.3587.1381.1779.0278.21
Margins
Margins: Colour Rating Guide
  • >2.75 : Very Good
  • 1.75-2.75 : Somewhat Good
  • <1.75 : Not Good
NIM (%)1.862.492.492.232.112.151.881.461.121.44
Performance Ratios
Performance Ratios: Colour Rating Guide
  • >15% : Very Good
  • 12%-15% : Somewhat Good
  • <12% : Not Good
Return on Equity (%)12.2616.2116.429.12-29.125.62-5.563.87-20.57-25.32
Liquidity Ratio
Liquidity Ratio: Colour Rating Guide
  • >35 : Very Good
  • 25-35 : Somewhat Good
  • <25 : Not Good
CASA (%) 38.1140.7840.7739.6536.9842.0541.9247.3348.4451.45
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
Percentage Holding
96.83%
1.53%
1.64%
Pledged *0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
*  Pledged shares as % of Promoter's holding (%)
 
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