NSE: CUB - City Union Bank Limited

Yield per half year: +4.79%
Dividend yield: +0.58%
Sector: Financials

Reporting City Union Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	72.91	83.9	108.67	130.27	152.21	119.16	121.24	115.79	102.84		95.99
Выручка, млрд ₹		13.91	16.34	18.67	21.23	23.87	25.16	26.74	29.73	25.79	25.79
Чистая прибыль, млрд ₹		4.45	5.03	5.92	6.83	4.76	5.93	7.6	9.37	10.16	10.16
EV, млрд ₹		59.72	87.53	119.76	127.44	85.83	76.12	91.32	74.27	31.6	31.6
EBIT, млрд ₹		25.66	26.68	27.62	28.39	5.07	6.05	9.85	11.77	12.31	12.31
EBITDA, млрд ₹		26.18	27.21	28.15	29	5.86	6.93	10.7	12.5	13.06	13.06
Баланс стоимость, млрд ₹		30.52	35.7	41.63	48.41	52.96	58.42	65.86	74.57	84.01	84.01
FCF, млрд ₹		1.38	2.33	-2.44	3.07	17.61	8.46	10.88	0.0142	2.68	2.68
Операционный денежный поток, млрд ₹		1.98	2.84	-1.83	3.97	18.36	9.22	11.66	1	12.57	12.57
Операционная прибыль, млрд ₹		25.66	26.68	27.62	28.39	5.07	6.05	9	11.05	14.33	14.33
Операционные расходы, млрд ₹		5.73	6.84	7.73	8.86	11.43	10.94	10.7	11.55	28.65	28.65
CAPEX, млрд ₹		0.6041	0.5085	0.6135	0.8947	0.7503	0.7618	0.771	0.9898	1.68	1.68

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹	64.23	67.98	102.37	112.47			126.71				163.8				125.47			116.42				139.01				107.43
Выручка, млрд ₹																				7.42	7.41	7.8	7.09	7.14	7.2	7.09	15.49	15.81	7.39
Чистая прибыль, млрд ₹																				2.25	2.76	2.18	2.18	2.27	2.81	2.53	2.55	2.64	2.85
EV, млрд ₹																			91.53		129		74.36		78.67		78.91		109.13
EBIT, млрд ₹																			10.87	11.65	7.03	5.46	5.16	5.25	6.61	6.36		3.34	5.55
EBITDA, млрд ₹																				8.7	3.51	2.73	2.58	2.62	3.31	3.18	-3.2	0.0000	3.58
Баланс стоимость, млрд ₹																				65.86	70.13	70.13	74.57	74.57	78.91	78.91	84.01	84.01	88.8
FCF, млрд ₹				-0.6111	-0.6111	-0.6111	0.7686	0.7686	0.7686		4.4	4.4	4.4	4.4
Операционный денежный поток, млрд ₹										0.0063	4.59	4.59	4.59	4.59		-0.0011	0.0177		-0.0001		-0.0148		0.0012
Операционная прибыль, млрд ₹																				8.7	3.51	2.73	2.58	2.62	3.31	3.18	13.47	3.34	5.55
Операционные расходы, млрд ₹																				2.95	2.85	2.83	2.92	3	3.34	3.45	2.02	1.89	1.84
CAPEX, млрд ₹										0.0086	0.1876	0.1876	0.1876	0.1876		0.0017	0.0084		0.0189		0.0032		0.0079

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			26	28.79	26.36	29.63	47.22	56.15	66.87	66.49	69.44	69.44
Short Term Investments ₹							-15.03	-19.97	21.42	26.11	36.44	36.44
Long term investments ₹	59.54	58.71	68.26	70.31	78.79	77.12	91.17	94.36	122.21	143.33
Total Receivables ₹			3.82	3.61	3.81	4.28	3.28	3.21	3.6	3.42	3.9	3.9
Total Current Assets ₹			29.83	32.4	30.17	33.91	32.19	36.18	45.45	40.38	33	33
Чистые активы, млрд ₹		2.1	0.1881	2.15	2.23	2.5	2.45	2.33	2.15	0.1528		0.1528
Активы, млрд ₹			312.52	352.71	399.37	452.59	497.34	533.12	615.31	665.95	708.26	708.26
Short Term Debt ₹			1.78	7.62	15.85	0.8592	13.88	11.03	50.21	38.74	40.54	40.54
Long Term Debt ₹		1.69	0.034	0.0215	0.0089	4.01	0.0014	0.001	0.000582	0.0018		0.0018
Задолженность, млрд ₹			282	317.01	357.74	404.18	444.37	474.69	549.45	591.37	624.24	624.24
Чистый долг, млрд ₹			-23.09	-25.92	-16.57	-21.42	-29.01	-40.85	-9	-19.61	-69.44	-69.44
Долг, млрд ₹			1.82	7.64	15.86	4.87	13.88	11.03	57.87	46.88	47.24	47.24
Interest income ₹			0.0012	0.0013	0.0026	0.0048	0.0041	41.35	0.007	47.14
Расходы на обслуживание долга ₹			19.63	19.75	19.72	21.56	24.93	23.05	21.88	25.52	31.47	31.47
Чист. проц. доходы, млрд ₹				11.99	14.3	16.11	16.75	18.3	19.16	21.63	52.71	47.14
Амортизация, млрд ₹			0.5243	0.5301	0.5246	0.615	0.7899	0.8747	0.8502	0.7285	0.7539	0.7539
Себестоимость, млрд ₹			0.4362	0.3858	0.4917	0.7241	0.4915	0.5875	1.2	1.84	-34.33	-34.33
Товарно материальные запасы ₹			-27.74	-29.98	-27.78	-31.08	-51.91	-60.42	71.88	71.57	65.53	65.53

	2018Q1	2018Q3	2019Q1	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 ₹								56.15	62.03	62.03	66.87	66.87		54.54		66.49		61.28		69.44		38.72
Short Term Investments ₹																-26.11				138.87
Long term investments ₹				97.96	91.17	107.03	94.84	94.36		108.12		122.21		146.78		143.33		156.88
Total Receivables ₹				0.362	3.28	0.415	18	3.21		0.3401	3.6	3.6		0.3684		3.42
Total Current Assets ₹								59.36	62.03	62.03	70.47	70.47		54.54		40.38		61.28		69.44		38.72
Чистые активы, млрд ₹			0.1549	0.1567	2.45	2.38	2.28	2.33		2.21		2.15		2.44		0.1528
Активы, млрд ₹								533.12	564.35	564.35	615.31	615.31		643.95		665.95		672.74		708.26		713.66
Short Term Debt ₹			0.048	0.0494	0.0501	0.0614		0.0123		0.0395		50.21		0.0723		38.74				40.54
Long Term Debt ₹	4.48	10.26	4.01	9.67	0.0014	0.0013		0.001						0.000335		0.0018
Задолженность, млрд ₹									502.65	502.65	549.45	549.45		573.82		591.37		45.14		624.24	-84.01	624.86
Чистый долг, млрд ₹								-40.85	-41.42	-41.42	-9	-9		-0.5586		-19.61		-16.14		-22.19		-13.25
Долг, млрд ₹				9.72	0.0515	0.0626		0.0134				57.87		53.98		46.88		45.14		47.24		25.47
Interest income ₹										10.22	10.35	0.0018	10.99	11.81	12.06	12.28	12.66	13.04	13.26
Расходы на обслуживание долга ₹													5.75	6.13	6.5	7.14	7.44	7.66	8.1	8.28	8.43	8.51
Чист. проц. доходы, млрд ₹											4.9	5.01	5.25	5.68	5.56	5.14	5.23	5.38	5.16	13.74
Амортизация, млрд ₹													-2.95	-3.51	-2.73	-2.58	-2.62	-3.31	-3.18	-3.2	-3.34	-1.97
Себестоимость, млрд ₹									0.2107	0.3171	0.3011	0.3713	0.2999	0.4127	0.4575	0.5371	0.4513					0.7
Товарно материальные запасы ₹			0.121	0.1271	0.1876	0.1552		0.1876		0.1701		-68.28		0.1926		-71.57

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		7.13	8.37	9.49	6.43	8	10.18	12.57	13.62		13.62
Цена акции ао		179.8	195.05	233.95	180.1	134.65	180.4	149	172.33	167.22	167.22
Число акций ао, млн	740.15	673.01	732.95	745.86	745.32	748.54	746.99	746.02	745.96		745.96
FCF/акцию	1.87	3.46	-3.34	4.12	23.63	11.3	14.57	0.019	3.59		3.59

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS														3.01	3.7	2.92	2.95	3.05	3.75	3.39	3.41	3.54	3.82
Цена акции ао											154.45	155.53	133.01	132.7	168.22	186.34	147.35	130.9	129.07	143.92
Число акций ао, млн				726.71	764.23	740.15	673.01	732.95	745.86	745.32		748.54				746.02				746.41
FCF/акцию	-0.5827	2.29	1.21	0.227	0.4516	0.7862	-0.908	1.05	5.9

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			14.57	14.08	14.22	14.11	8.99	10.15	12.23	13.35	12.81		12.81	16.88
ROA, %			1.42	1.43	1.48	1.51	0.9577	1.11	1.32	1.46	1.48		1.48	4.26
ROIC, %		14.79	15.79	12	10.64	13.22	7.68	8.56	6.74	8.33			8.93	9.45
ROS, %				30.78	31.71	32.16	19.96	23.56	28.43	31.53	39.38	39.38	39.38	54.68
ROCE, %			84.07	74.72	66.35	58.64	9.58	10.36	1.61	1.78	2.33		2.33	8.84
Рентаб EBITDA, %			188.17	166.55	150.78	136.59	24.57	27.53	40.02	42.05	50.64		50.64	61.10
Чистая рентаб, %			31.96	30.78	31.71	32.16	19.96	23.56	28.43	31.53	39.38		39.38	54.68
Operation Margin, %				163.3	147.97	133.69	21.26	24.06	33.66	37.15	55.56	55.56	55.56	57.46
Доходность FCF, %	6.26	0.9049	1.65	2.14	-1.88	2.02	14.78	6.97	9.4	0.0138

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q4	2019Q4	2020Q1	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, %																			3.42	3.94	3.11	2.92	3.05	3.82	3.35	3.27	3.29	3.45	16.88
ROA, %														0.2086	0.3065	0.3227	0.3187	0.3396		0.4293		0.3274		0.8342		0.7196		0.7992	4.26
ROIC, %								2.66			-1.62	2.99																	9.45
ROS, %																			30.32	37.29	27.93	30.74	31.83	38.95	35.7	16.45	16.73	38.6	54.68
ROCE, %													18.09	10.96	15.82	17.15	15.75	16.51		10.02		6.92		0.99				0.9196	8.84
Рентаб EBITDA, %																			117.14	47.41	34.98	36.38	36.73	45.89	44.87	-20.64	0.000274	48.48	61.10
Чистая рентаб, %																			30.32	37.29	27.93	30.74	31.83	38.95	35.7	16.45	16.73	38.6	54.68
Operation Margin, %																			117.14	47.41	34.98	36.38	36.73	45.89	44.87	86.95	21.16	75.16	57.46
Доходность FCF, %	-1.55	4.37	2.54	0.2568	0.5077	0.5684	-0.5434		0.6066	2.69

	Industry average	5 quarters average	CAGR 5

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	18.87	21.61	22	22.29	25.02	20.45	13.2	10.01	9.95		9.95	36.87
P/BV	2.75	3.04	3.13	3.14	2.25	2.08	1.52	1.26	1.2		1.2	3.60
P/S	6.03	6.65	6.98	7.17	4.99	4.82	3.75	3.16	3.92		3.92	11.27
P/FCF		46.69	-53.29	49.51	6.77	14.34	10.64	7267.35	35.83	35.83	35.83	8.25
E/P		0.0463	0.0454	0.0449	0.04	0.0489	0.0657	0.0912	0.1058	0.1058	0.1058	0.21
EV/EBITDA	2.28	3.22	4.26	4.39	14.64	10.99	8.53	5.94	2.42		2.42	40.11
EV/Ebit					10.97	11.24	9.27	6.31	2.57	2.57	2.57
EV/S		5.36	6.42	6	3.6	3.02	3.42	2.5	1.23	1.23	1.23	13.78
EV/FCF		37.61	-49	41.45	4.87	9	8.39	5248.62	11.8	11.8	11.8	12.34
Debt/EBITDA		0.281	0.5636	0.1679	2.37	1.59	5.41	3.75	3.62	3.62	3.62	17.87
Netdebt/Ebitda		-0.9525	-0.5887	-0.7385	-4.95	-5.9	-0.8411	-1.57	-5.32	-5.32	-5.32	-1.53
Debt/Ratio		0.0217	0.0397	0.0108	0.0279	0.0207	0.094	0.0704	0.0667	0.0667	0.0667	0.30
Debt/Equity		0.2141	0.381	0.1006	0.2621	0.1887	0.8787	0.6287	0.5623	309.1	309.1	267.45
Debt/Net Income		1.52	2.68	0.7129	2.91	1.86	7.61	5	4.65	4.65	4.65	13.96
Бета								1.42	-0.9688	-0.4922	-0.4922	1.08
Индекс Альтмана		0.6408	0.6107	0.613	0.3371	0.3444	0.1963	0.3033	0.2451	0.2451	0.2451	0.82

	2011Q4	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q4	2019Q1	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
P/E																					12.62	14.31	63.82	10.03	9.7	10.02	11.17	9.96	11.51	11.57	36.87
P/BV															2.19				1.89	1.53		1.85	1.98	1.26		0.1511	1.36	1.2		1.38	3.60
P/S																					3.69	4.57	17.82	3.16	3.1	3.23	3.83	2.74	2.66	2.67	11.27
P/FCF	-64.41	22.88	39.34	389.43	196.98	175.94	-184.04		164.85			37.2																			8.25
E/P				0.016	0.0166	0.0124	0.0138		0.0141			0.0117			0.0135				0.0168				0.0157				0.0236				0.21
EV/EBITDA																				2.88		3.75		4.24		7		13.35		30.62	40.11
EV/Ebit																										11.9				19.65
EV/S																										10.92		5.09		14.77	13.78
Debt/EBITDA											1.13		0.0098	0.0077		0.0022				7.07		5.6		18.17		13.65		-14.77		7.11	17.87
Netdebt/Ebitda																-6.88	-5.43	-5.17	-1.14	-1.1		-0.1589		-7.6		-4.88		6.94		-3.7	-1.53
Debt/Ratio								0.0435		0.009	0.0201		0.000104	0.000124		2.5E-5										0.0671		0.0667		0.0357	0.30
Debt/Equity								0.417		0.0838	0.1876		0.000972	0.0011		0.000229										0.5721		0.5623		0.2868	267.45
Debt/Net Income								11.41		2.32	5.02		-0.054	0.0397		0.012										16.09		18.54		8.93	13.96
Индекс Альтмана															0.3196																0.82

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.5362	0.6605	0.1738	0.1978	0.217	0.3708	0.0168	0.7415	0.7413		0.7413
Дивиденд		0.9917	0.2727	0.3	0.5	0.5	0.5	1	1	1	1
Див доход, ао, %		0.8749	0.1689	0.1688	0.245	0.3127	0.3087	0.1242	0.7427	0.5822	0.5822	1.46
Дивиденды / прибыль, %		14.85	3.46	3.34	3.18	7.78	0.2835	4.94	7.91	7.3	7.3	18.24

	2016Q1	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q2	2021Q3	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд			0.0434	0.0434	0.0434		0.0495	0.0495	0.0495			0.0927	0.0927	0.0927	0.0927
Дивиденд	0.8265	0.1653				0.2727				0.3	0.5		0.5			0.3	0.2	1	1
Див доход, ао, %	0.9674	0.1289				0.1649				0.1661	0.2488		0.2372			0.1796	0.1295	0.5945	0.7748	1.46
Дивиденды / прибыль, %			3.43	3.37	3.1		3.2	3.25	3.06			4.82	-9.73	6.02	5.88					18.24

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
ebit_margin	21.26	27.53	36.84	39.6	47.72	47.72
Персонал, чел				6019	6019

	2023Q3	2023Q4	2024Q2	2024Q3	CAGR 5
ebit_margin	91.77	89.74	21.16	75.16

	CAGR 5