BSE: CUB - City Union Bank Ltd.

Yield per half year: -12.08%
Dividend yield: +0.58%
Sector: Financials

Reporting City Union Bank Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ₹										95.99
Выручка, млрд ₹	0.5025	0.4551	0.5096	0.7485	0.5989	0.703	1.34	1.91	28.65	28.65	6.64	116.75
Чистая прибыль, млрд ₹	0.003	0.0035	0.0038	0.0066	0.0043	0.0133	0.0242	0.0265	10.16	10.16	2.05	372.81
Баланс стоимость, млрд ₹	0.5648	0.5683	0.5722	0.5787	0.583	0.5963	0.6205	0.647	84.01	84.01	17.29	170.23
FCF, млрд ₹			-2.44	3.07	17.61	8.46	10.88	0.0142	2.68	2.68	7.93	-31.38
Операционный денежный поток, млрд ₹	0.0157	-26.74	-29.2	-51.77	-5.48	-27.83	-19.87	0.0012	4.36	4.36	-9.7638	-195.53
Операционная прибыль, млрд ₹	-0.0122	-0.014	-0.0169	-0.0079	0.000851	0.0165	0.0114	0.0313		0.0313	0.0104	-231.70
CAPEX, млрд ₹	0.0017	0.5085	0.6135	0.8947	0.7503	0.7618	0.771	0.0079	1.68	1.68	0.7942	17.49

	2019Q3	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹										0.3329	0.4594	0.5267	0.5915	0.5007	7.2	7.09	7.22	7.37	8.09	7.39	2.36
Чистая прибыль, млрд ₹										0.0042	0.0036	0.0058	0.0129	0.0065	2.81	2.53	2.55	2.64	2.85	2.68	0.28
Баланс стоимость, млрд ₹			0.5858	57.41	0.5963		0.605		0.6205		0.6283		0.647		78.91		84.01		88.8	50.60	169.18
Операционный денежный поток, млрд ₹	0.0063	0.0273	-0.0148		-0.001		0.0177		-0.1759		-0.0148		0.0012							-0.0346	-203.71
Операционная прибыль, млрд ₹					0.0157	0.0019	0.0025	0.000166	0.0068	0.0001	0.0049	0.0085	0.0177	0.009						0.0080	145.95
CAPEX, млрд ₹	0.0086	0.0241	0.0016		0.0017		0.0084		0.0189		0.0032		0.0079							0.0080	35.97

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ₹	0.0273	0.0336	0.0252	0.02	0.0187	0.0105	66.87	66.49	69.44	69.44	40.57	417.55
Long term investments ₹		70.31	78.79	77.12	91.17	94.36	122.21	143.33	156.64		121.54	11.43
Total Receivables ₹	0.2449	0.2525	0.2487	9.7	0.2855	0.3515	0.4002	0.3636		0.3636	2.22	-48.15
Total Current Assets ₹	0.3576	35.24	34.27	39.68	57.15	67.07	78.73	0.6734		0.6734	48.66	-55.75
Чистые активы, млрд ₹	0.1881	2.15	2.23	2.5	2.45	2.33	2.15	0.1528		0.1528	1.92	-42.82
Активы, млрд ₹	0.6679	0.6845	0.7457	0.7904	0.7883	0.8596	0.9321	0.9729	708.26	708.26	142.36	289.67
Short Term Debt ₹	0.0022	0.0181	0.0503	0.048	0.0501	0.0123	0.0969	0.1276		0.1276	0.0670	21.60
Long Term Debt ₹	0.034	0.0215	0.0089		0.0014	0.001	0.000582	0.0018		0.0018	0.0027	-27.36
Задолженность, млрд ₹	0.1031	0.1162	0.1735	0.2116	0.2052	0.2632	0.3116	0.3259	624.24	624.24	125.07	397.32
Чистый долг, млрд ₹					0.0328	0.0024	-66.77	-66.36			-33.2737	-770.67
Долг, млрд ₹	0.0362	0.0396	0.0593		0.0515	0.0134	0.0975	0.1294		46.88	0.0702	16.89
Interest income ₹	0.0012	0.0013	0.0026	0.0048	0.0037	0.0059	0.0093	0.0078	52.71		10.55	577.23
Расходы на обслуживание долга ₹				21.56	24.93	23.05	21.88	25.52	31.47	31.47	25.37	4.77
Чист. проц. доходы, млрд ₹		11.99	14.3	16.11	16.75	18.3	19.16	21.63	21.23	52.71	19.41	4.85
Себестоимость, млрд ₹	0.4362	0.3858	0.4917	0.7241	0.5649	0.6537	1.29	1.84			1.01	20.50
Товарно материальные запасы ₹	0.0412	0.0565	0.125	0.121	0.1876	0.1876	0.171	0.221		0.221	0.1776	12.80

	2019Q3	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹			0.000848	43.17	0.0105		0.0156		66.87		54.54		66.49		61.28		69.44		38.72	58.09	-6.62
Long term investments ₹	97.96	91.17	107.03	94.84	94.36		108.12		122.21		146.78		143.33		156.88					135.46	7.73
Total Receivables ₹	15.4	0.2855	0.415		0.3515		0.3401		0.4002		0.3684		0.3636							0.3648	0.68
Total Current Assets ₹	36.57	57.15	0.6199		0.5807		0.5922		0.6213		54.54		66.49							24.56	158.08
Чистые активы, млрд ₹	2.61	2.45	0.161		0.1539		0.1554		0.159		2.44		0.1528							0.6122	-0.14
Активы, млрд ₹			0.8798	520.55	0.8596		0.8867		0.9321		0.9387		0.9729		672.74		708.26		713.66	419.31	276.87
Short Term Debt ₹	0.0494	0.0501	0.0614		0.0123		0.0395		0.0969		0.0723		0.1276							0.0697	59.66
Long Term Debt ₹		0.0014	0.0013		0.001		0.000818		0.000582		0.000335		0.0018							0.0009	12.47
Задолженность, млрд ₹			0.2939	463.14	0.2632		0.2817		0.3116		0.3104		0.3259		593.83		624.24		624.86	368.71	357.90
Чистый долг, млрд ₹													-66.36							-66.3600	0.00
Долг, млрд ₹		0.0515	0.0626		0.0134		0.000818						0.1294							0.0515	20.23
Interest income ₹							0.0022	0.0016	0.0018	0.0011	0.002	0.0027	0.0033	0.0031	13.04	13.26				5.26	447.31
Расходы на обслуживание долга ₹										5.75	6.13	6.5	7.14	7.44	7.66	8.1	8.28	8.43	8.51	8.20	2.13
Чист. проц. доходы, млрд ₹									5.01	5.25	5.68	5.56	5.14	5.23	5.38	5.16	13.74	13.89		8.68	21.57
Себестоимость, млрд ₹					0.23	0.2107	0.3171	0.3011	0.4599	0.2999	0.4127	0.4575	0.5371	0.4513						0.4317	8.52
Товарно материальные запасы ₹	0.1271	0.1876	0.1552		0.1876		0.1701		0.171		0.1926		0.221							0.1885	3.33

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	5.58	6.55	7.71	9.21	10.04	5.18	8.85	0.0356	13.71			13.71	7.56	6.43
Цена акции ао			179.9	194.6	234.5	180.3	135.45	180.25	148.9	172.25	148.8	148.8	157.13	1.90
Число акций ао, млн				734.5	737.32	14.32	14.32	743.19	740.67			740.67	449.96	0.09
FCF/акцию				4.19	23.89	590.56	760.11	0.019	3.62			3.62	275.64	-31.44

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS			2.8	3.04	3.7	2.92	0.0173	3.05	3.79	3.39	3.44	3.85	3.50	4.77
Цена акции ао	154.44	155.22	133.03	132.7	168.18	186.31	147.33	130.88	129.06	143.94			147.50	-5.03

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	0.5233	0.6234	0.6692	1.14	0.7361	2.23	3.9	4.18	24			12.09	13.90	7.01	100.75
ROA, %	0.4425	0.5176	0.5135	0.8334	0.5444	1.55	2.59	2.78	2.86			1.43	2.81	2.06	39.34
ROIC, %		29.17	31.94		59.11	4.94	106.65	98.89					6.29	60.31	25.36
ROS, %			0.7514	0.88	0.7166	1.89	1.81	1.39	35.45	35.45	35.45	35.45	59.51	21.91	81.30
ROCE, %											0	0	2.58
Ebit margin, %											0	0
Рентаб EBITDA, %											0	0	10.51
Чистая рентаб, %	0.5882	0.7786	0.7514	0.88	0.7166	1.89	1.81	1.39	35.45			35.45	59.51	8.25	118.21
Operation Margin, %			-3.32	-1.06	0.1422	2.35	0.8501	1.64	1.64	0.1092	0.1092	0.1092	13.65	0.8697	-33.66

	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	0.3417	0.0027	1.5		0.7979		1.89		0.5757		2.47		14.11		6.31		4.13	13.90	5.52	48.30
ROA, %	0.2276	0.000301	1.04		0.5444		1.26		0.3853		2.64		0.8342		0.369		0.4011	2.81	0.9259	0.81
ROS, %								1.25	0.7874	1.1	2.18	1.3	38.95	35.7	35.3	35.87	35.26	59.51	36.22	-1.97
Чистая рентаб, %								1.25	0.7874	1.1	2.18	1.3	38.95	35.7	35.3	35.87	35.26	59.51	36.22	-1.97
Operation Margin, %			7.74	0.782	0.7033	0.0506	1.64	0.0297	1.07	1.62	3	1.8						13.65	1.50	127.25

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			21654.49	39274.85	194.32	80.23	5059.68	10.69			10.85	29.43	8923.95	-80.64
P/BV			246.46	289.09	4.33	3.13	207.05	1.29			1.31	3.11	100.98	-66.12
P/S			190.56	281.45	3.68	1.45	70.12	3.79			3.85	12.16	72.10	-57.75
P/FCF								6759.86	35.83	35.83	35.83	5.80	2277.17	-82.56
E/P								0.000276	0.1058	0.1058	0.1058	0.10	0.0706	626.43
EV/EBIT									0	0	0
EV/S								0	0	0	0	8.38
EV/FCF									0	0	0	-6.20
Debt/EBITDA								0	0	0	0	1.02
Netdebt/Ebitda								0	0	0	0	0.86
Debt/Ratio	0.0579	0.0795		0.0653	0.0155	0.1046	0.133	48.19	0.0662	0.0662	0.0662	0.24	9.71	-8.74
Debt/Equity	0.0697	0.1036		0.0883	0.0224	0.1571	0.2	306.81	306.81	306.81	306.81	239.18	184.16	355.13
Debt/Net Income	11.19	15.48		12	1	4.03	4.89	1769.06	4.62	4.62	4.62	12.31	357.44	2.77
Бета								1.42	-0.9565	1.8	1.8	1.82	0.7545	8.23
Индекс Альтмана								120.4	0.2232	0.2232	0.2232	1.07	40.28	-87.72

	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E			13201.61	454.05	114.86	121.78	6373.61	33.27	18.7	14.79		29.43	1312.43	-34.40
P/BV			197.73	3.75	3.1	3.95	162.37	1.19	1.19	1.37		3.11	34.01	-19.09
P/S			581.73	6.44	2.5	2.02	99.97	12.03	6.68	5.39		12.16	25.22	21.69
Debt/Ratio	0.0653	0.0712	0.0155				0.133					0.24	0.0713	19.46
Debt/Equity	0.0883	0.1069	0.0224				0.2					239.18	0.1044	22.68
Debt/Net Income	16.89	31.29	1.5									12.31	16.56	-55.38
Бета											1.8	1.82	1.80	0.00
Индекс Альтмана											0.2232	1.07	0.2232	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.1738	0.1978	0.217	0.3708	0.0168	0.3758	0.7413	0.7413				0.4492	14.86
Дивиденд	0.9917	0.2479	0.3	0.5	0.5	0.5	1	1	1	1		0.8000	14.87
Див доход, ао, %	0.8757	0.1536	0.1689	0.2452	0.3129	0.3088	0.1242	0.7427	0.5833	0.5833	1.40	0.4144	13.27
Дивиденды / прибыль, %	4905.28	5166.95	3294.03	8640.22	126.35	1554.44	2800.69	7.3		7.3	17.81	2625.80	-75.71

	2016Q1	2016Q3	2017Q3	2018Q3	2019Q3	2020Q1	2021Q2	2021Q3	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	0.8265	0.1653	0.2479	0.3	0.5	0.5	0.3	0.2	1	1		0.6000	14.87
Див доход, ао, %	0.9687	0.1291	0.15	0.1662	0.249	0.2371	0.1796	0.1295	0.5946	0.7748	1.40	0.3831	26.72

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	6019	6019	0.00

	CAGR 5

	CAGR 5