Company Analysis City Union Bank Ltd.
1. Summary
Advantages
- Price (196.05 βΉ) is less than fair price (232.05 βΉ)
- The stock's return over the last year (15.32%) is higher than the sector average (0%).
- Current debt level 6.04% is below 100% and has decreased over 5 years from 6.53%.
Disadvantages
- Dividends (0.5816%) are below the sector average (1.46%).
- The company's current efficiency (ROE=12.58%) is lower than the sector average (ROE=13.44%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| City Union Bank Ltd. | Financials | Index | |
|---|---|---|---|
| 7 days | -4.1% | 2.1% | -1% |
| 90 days | 22.5% | -11.9% | 10% |
| 1 year | 15.3% | 0% | 6% |
CUB vs Sector: City Union Bank Ltd. has outperformed the "Financials" sector by 15.32% over the past year.
CUB vs Market: City Union Bank Ltd. has outperformed the market by 9.36% over the past year.
Stable price: CUB is not significantly more volatile than the rest of the market on "Bombay Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CUB with weekly volatility of 0.2947% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (196.05 βΉ) is lower than the fair price (232.05 βΉ).
Price not significantly lower than the fair price: The current price (196.05 βΉ) is slightly lower than the fair price by 18.4%.
4.2. P/E
P/E vs Sector: The company's P/E (11.38) is lower than that of the sector as a whole (27.74).
P/E vs Market: The company's P/E (11.38) is lower than that of the market as a whole (44.6).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.35) is lower than that of the sector as a whole (2.81).
P/BV vs Market: The company's P/BV (1.35) is lower than that of the market as a whole (5.33).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (3.98) is lower than that of the sector as a whole (11.8).
P/S vs Market: The company's P/S indicator (3.98) is lower than that of the market as a whole (8.99).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (0) is lower than that of the sector as a whole (19.26).
EV/Ebitda vs Market: The company's EV/Ebitda (0) is lower than that of the market as a whole (15.13).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 16875.44% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (16875.44%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.25%).
5.4. ROE
ROE vs Sector: The company's ROE (12.58%) is lower than that of the sector as a whole (13.44%).
ROE vs Market: The company's ROE (12.58%) is higher than that of the market as a whole (-1.52%).
5.5. ROA
ROA vs Sector: The company's ROA (1.51%) is lower than that of the sector as a whole (3.05%).
ROA vs Market: The company's ROA (1.51%) is lower than that of the market as a whole (7.42%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.46%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (13.44%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0.5816% is below the average for the sector '1.46%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 0.5816% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 0.5816% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (9.89%) are at an uncomfortable level.
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