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UNION BANK OF INDIA
Buy, Hold or Sell?

Should you buy, hold or sell UNION BANK OF INDIA?

I guess you are interested in UNION BANK OF INDIA. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse UNION BANK OF INDIA

Let's start. I'm going to help you getting a better view of UNION BANK OF INDIA. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is UNION BANK OF INDIA even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how UNION BANK OF INDIA is doing in the market. If the company is worth buying. The latest step is to find out how other investors value UNION BANK OF INDIA. The closing price on 2023-01-25 was INR78.45 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
UNION BANK OF INDIA Daily Candlestick Chart
UNION BANK OF INDIA Daily Candlestick Chart
Summary









1. Valuation of UNION BANK OF INDIA




Current price per share

INR78.45

2. Growth of UNION BANK OF INDIA




Is UNION BANK OF INDIA growing?

Current yearPrevious yearGrowGrow %
How rich?$8.7b$7.9b$753.1m8.6%

How much money is UNION BANK OF INDIA making?

Current yearPrevious yearGrowGrow %
Making money$647.6m$352.1m$295.4m45.6%
Net Profit Margin12.7%7.4%--

How much money comes from the company's main activities?

3. Financial Health of UNION BANK OF INDIA




Comparing to competitors in the Banks industry




  Industry Rankings (Banks)  


Richest
#9 / 72

Most Profit
#10 / 72


Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of UNION BANK OF INDIA.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit UNION BANK OF INDIA earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • A Net Profit Margin of 12.7% means that ₹0.13 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of UNION BANK OF INDIA:

  • The MRQ is 12.7%. The company is making a huge profit. +2
  • The TTM is 12.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ12.7%TTM12.7%0.0%
TTM12.7%YOY7.4%+5.3%
TTM12.7%5Y-10.3%+23.0%
5Y-10.3%10Y1.3%-11.6%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ12.7%23.4%-10.7%
TTM12.7%24.0%-11.3%
YOY7.4%21.3%-13.9%
5Y-10.3%22.3%-32.6%
10Y1.3%23.0%-21.7%
1.1.2. Return on Assets

Shows how efficient UNION BANK OF INDIA is using its assets to generate profit.

  • Above 5% is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • 0.4% Return on Assets means that UNION BANK OF INDIA generated ₹0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of UNION BANK OF INDIA:

  • The MRQ is 0.4%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.4%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.4%TTM0.4%0.0%
TTM0.4%YOY0.3%+0.2%
TTM0.4%5Y-0.3%+0.7%
5Y-0.3%10Y0.0%-0.3%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4%0.2%+0.2%
TTM0.4%0.2%+0.2%
YOY0.3%0.2%+0.1%
5Y-0.3%0.3%-0.6%
10Y0.0%0.3%-0.3%
1.1.3. Return on Equity

Shows how efficient UNION BANK OF INDIA is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • 7.4% Return on Equity means UNION BANK OF INDIA generated ₹0.07 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of UNION BANK OF INDIA:

  • The MRQ is 7.4%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 7.4%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ7.4%TTM7.4%0.0%
TTM7.4%YOY4.4%+3.0%
TTM7.4%5Y-5.8%+13.2%
5Y-5.8%10Y-0.3%-5.5%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ7.4%2.8%+4.6%
TTM7.4%2.7%+4.7%
YOY4.4%2.8%+1.6%
5Y-5.8%2.7%-8.5%
10Y-0.3%2.6%-2.9%

1.2. Operating Efficiency of UNION BANK OF INDIA.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient UNION BANK OF INDIA is operating .

  • Measures how much profit UNION BANK OF INDIA makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • An Operating Margin of 0.0% means the company generated ₹0.00  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of UNION BANK OF INDIA:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-106.0%-106.0%
TTM-65.8%-65.8%
YOY-36.5%-36.5%
5Y-30.5%-30.5%
10Y-26.7%-26.7%
1.2.2. Operating Ratio

Measures how efficient UNION BANK OF INDIA is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.355-0.355
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.436-0.436
TTM-0.490-0.490
YOY-0.364-0.364
5Y-0.226-0.226
10Y0.3550.197+0.158

1.3. Liquidity of UNION BANK OF INDIA.

1.3. Liquidity
1.3.1. Current Ratio

Measures if UNION BANK OF INDIA is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks industry mean).
  • A Current Ratio of 0.00 means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.075-0.075
5Y0.07510Y0.080-0.005
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.305-0.305
TTM-0.250-0.250
YOY-0.159-0.159
5Y0.0750.099-0.024
10Y0.0800.069+0.011
1.3.2. Quick Ratio

Measures if UNION BANK OF INDIA is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • A Quick Ratio of 0.00 means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.507-0.507
TTM-0.084-0.084
YOY-0.042-0.042
5Y-0.015-0.015
10Y-0.016-0.016

1.4. Solvency of UNION BANK OF INDIA.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of UNION BANK OF INDIA assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare UNION BANK OF INDIA to Banks industry mean.
  • A Debt to Asset Ratio of 0.94 means that UNION BANK OF INDIA assets are financed with 94.1% credit (debt) and the remaining percentage (100% - 94.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 0.941. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.941. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.941TTM0.9410.000
TTM0.941YOY0.940+0.000
TTM0.9415Y0.943-0.002
5Y0.94310Y0.944-0.002
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9410.920+0.021
TTM0.9410.917+0.024
YOY0.9400.913+0.027
5Y0.9430.915+0.028
10Y0.9440.909+0.035
1.4.2. Debt to Equity Ratio

Measures if UNION BANK OF INDIA is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare UNION BANK OF INDIA to the Banks industry mean.
  • A Debt to Equity ratio of 1,584.7% means that company has ₹15.85 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 15.847. The company is unable to pay all its debts with equity. -1
  • The TTM is 15.847. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.847TTM15.8470.000
TTM15.847YOY15.719+0.127
TTM15.8475Y16.588-0.741
5Y16.58810Y17.094-0.506
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ15.84711.450+4.397
TTM15.84711.065+4.782
YOY15.71910.653+5.066
5Y16.58810.911+5.677
10Y17.0949.665+7.429

2. Market Valuation of UNION BANK OF INDIA

2. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings UNION BANK OF INDIA generates.

  • Above 15 is considered overpriced but always compare UNION BANK OF INDIA to the Banks industry mean.
  • A PE ratio of 5.03 means the investor is paying ₹5.03 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of UNION BANK OF INDIA:

  • The EOD is 10.183. Very good. +2
  • The MRQ is 5.030. Very good. +2
  • The TTM is 5.030. Very good. +2
Trends
Current periodCompared to+/- 
EOD10.183MRQ5.030+5.153
MRQ5.030TTM5.0300.000
TTM5.030YOY7.619-2.589
TTM5.0305Y-5.151+10.181
5Y-5.15110Y35.608-40.760
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
EOD10.18335.013-24.830
MRQ5.03042.315-37.285
TTM5.03033.086-28.056
YOY7.61935.931-28.312
5Y-5.15137.156-42.307
10Y35.60832.732+2.876
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of UNION BANK OF INDIA.

  • Lower is better.
  • A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of UNION BANK OF INDIA:

  • The MRQ is 2.918. Seems overpriced? -1
  • The TTM is 2.918. Seems overpriced? -1
Trends
Current periodCompared to+/- 
MRQ2.918TTM2.9180.000
TTM2.918YOY2.611+0.307
TTM2.9185Y-2.816+5.734
5Y-2.81610Y66.706-69.522
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ2.9180.111+2.807
TTM2.9180.278+2.640
YOY2.6110.058+2.553
5Y-2.8160.377-3.193
10Y66.7060.415+66.291

2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of UNION BANK OF INDIA is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks industry mean).
  • A PB ratio of 0.37 means the investor is paying ₹0.37 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of UNION BANK OF INDIA:

  • The EOD is 0.757. Very good. +2
  • The MRQ is 0.374. Very good. +2
  • The TTM is 0.374. Very good. +2
Trends
Current periodCompared to+/- 
EOD0.757MRQ0.374+0.383
MRQ0.374TTM0.3740.000
TTM0.374YOY0.337+0.037
TTM0.3745Y1.184-0.810
5Y1.18410Y2.604-1.420
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
EOD0.7570.789-0.032
MRQ0.3740.866-0.492
TTM0.3740.914-0.540
YOY0.3370.844-0.507
5Y1.1840.849+0.335
10Y2.6040.799+1.805
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of UNION BANK OF INDIA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.6332.6330%47.993-95%13.214-80%11.520-77%
Book Value Growth--1.0951.0950%1.905-43%1.275-14%1.205-9%
Book Value Per Share--103.678103.6780%101.045+3%67.815+53%52.557+97%
Book Value Per Share Growth--1.0261.0260%1.905-46%1.262-19%1.197-14%
Current Ratio----0%-0%0.075-100%0.080-100%
Debt To Asset Ratio--0.9410.9410%0.940+0%0.9430%0.9440%
Debt To Equity Ratio--15.84715.8470%15.719+1%16.588-4%17.094-7%
Dividend Per Share----0%-0%-0%0.295-100%
Eps--7.7047.7040%4.469+72%-1.079+114%0.329+2245%
Eps Growth--1.7241.7240%2.917-41%-0.418+124%0.019+8741%
Free Cash Flow Per Share--52.07152.0710%30.917+68%-9.339+118%-21.026+140%
Free Cash Flow Per Share Growth--1.6841.6840%2.245-25%-0.664+139%-0.768+146%
Free Cash Flow To Equity Per Share--50.92150.9210%1.479+3342%18.237+179%12.888+295%
Free Cash Flow To Equity Per Share Growth--34.42534.4250%2.037+1590%4.521+661%4.183+723%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--1153.322--------
Intrinsic Value_10Y_min--967.822--------
Intrinsic Value_1Y_max--65.909--------
Intrinsic Value_1Y_min--64.044--------
Intrinsic Value_3Y_max--235.879--------
Intrinsic Value_3Y_min--222.095--------
Intrinsic Value_5Y_max--451.480--------
Intrinsic Value_5Y_min--411.450--------
Net Profit Margin--0.1270.1270%0.074+72%-0.103+181%0.013+850%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%-0%0.355-100%
Pb Ratio0.757+51%0.3740.3740%0.337+11%1.184-68%2.604-86%
Pe Ratio10.183+51%5.0305.0300%7.619-34%-5.151+202%35.608-86%
Peg Ratio--2.9182.9180%2.611+12%-2.816+196%66.706-96%
Price Per Share78.450+51%38.75038.7500%34.050+14%58.230-33%96.872-60%
Price To Total Gains Ratio29.795+51%14.71714.7170%0.709+1974%21.738-32%32.051-54%
Profit Growth--1.8391.8390%2.917-37%-0.395+121%0.034+5383%
Quick Ratio----0%-0%-0%-0%
Return On Assets--0.0040.0040%0.003+67%-0.003+168%0.000+103%
Return On Equity--0.0740.0740%0.044+68%-0.058+178%-0.003+104%
Revenue Growth--1.0711.0710%2.216-52%1.495-28%1.304-18%
Total Gains Per Share--2.6332.6330%47.993-95%13.214-80%11.815-78%
Total Gains Per Share Growth--0.0550.0550%4.298-99%2.239-98%1.761-97%
Usd Book Value--8715918362.7008715918362.7000%7962746669.400+9%5453223823.920+60%4202363386.633+107%
Usd Book Value Change Per Share--0.0320.0320%0.590-95%0.163-80%0.142-77%
Usd Book Value Per Share--1.2751.2750%1.243+3%0.834+53%0.646+97%
Usd Dividend Per Share----0%-0%-0%0.004-100%
Usd Eps--0.0950.0950%0.055+72%-0.013+114%0.004+2245%
Usd Free Cash Flow--4377490050.0004377490050.0000%2436428280.000+80%-681159978.000+116%-378422210.000+109%
Usd Free Cash Flow Per Share--0.6400.6400%0.380+68%-0.115+118%-0.259+140%
Usd Free Cash Flow To Equity Per Share--0.6260.6260%0.018+3342%0.224+179%0.159+295%
Usd Price Per Share0.965+51%0.4770.4770%0.419+14%0.716-33%1.192-60%
Usd Profit--647634421.500647634421.5000%352198052.400+84%-76923875.280+112%30595902.867+2017%
Usd Revenue--5089183314.3005089183314.3000%4753392182.700+7%3145457037.120+62%2201361118.600+131%
Usd Total Gains Per Share--0.0320.0320%0.590-95%0.163-80%0.145-78%
 EOD+2 -3MRQTTM+0 -0YOY+19 -165Y+23 -1310Y+26 -13

3.2. Fundamental Score

Let's check the fundamental score of UNION BANK OF INDIA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.183
Price to Book Ratio (EOD)Between0-10.757
Net Profit Margin (MRQ)Greater than00.127
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.941
Debt to Equity Ratio (MRQ)Less than115.847
Return on Equity (MRQ)Greater than0.150.074
Return on Assets (MRQ)Greater than0.050.004
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of UNION BANK OF INDIA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose80.550
Total1/1 (100.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2018-03-312019-03-312020-03-312021-03-312022-03-31
Tax Provision  -13,859,3003,861,800-9,997,500-1,106,400-11,103,9006,095,500-5,008,40038,586,80033,578,400



Latest Balance Sheet

Balance Sheet of 2022-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets11,937,656,099
Total Liabilities11,229,044,850
Total Stockholder Equity708,611,249
 As reported
Total Liabilities 11,229,044,850
Total Stockholder Equity+ 708,611,249
Total Assets = 11,937,656,099

Assets

Total Assets11,937,656,099
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 1,197,582,209
Total Current Assets  (as reported)0
Total Current Assets  (calculated)1,197,582,209
+/- 1,197,582,209
Long-term Assets
Property Plant Equipment 69,668,544
Long Term Investments 3,518,390,437
Intangible Assets 2,414,551
Long-term Assets  (as reported)0
Long-term Assets  (calculated)3,590,473,532
+/- 3,590,473,532

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity708,611,249
Total Current Liabilities
Accounts payable 45,494,112
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)45,494,112
+/- 45,494,112
Long-term Liabilities
Long term Debt Total 512,451,999
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)512,451,999
+/- 512,451,999
Total Stockholder Equity
Common Stock68,347,475
Retained Earnings 406,452,511
Capital Surplus 184,966,895
Other Stockholders Equity 1,273,628
Total Stockholder Equity (as reported)708,611,249
Total Stockholder Equity (calculated)661,040,509
+/- 47,570,740
Other
Capital Stock69,387,510
Common Stock Shares Outstanding 6,834,747
Liabilities and Stockholders Equity 11,937,656,099
Net Invested Capital 1,104,823,415



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-31
> Total Assets 
3,550,144,600
3,835,689,500
4,073,645,636
4,556,812,163
4,911,204,980
4,985,805,347
5,555,090,519
10,823,773,947
11,937,656,099
11,937,656,09910,823,773,9475,555,090,5194,985,805,3474,911,204,9804,556,812,1634,073,645,6363,835,689,5003,550,144,600
   > Total Current Assets 
257,066,106
250,006,892
319,314,807
353,122,508
530,518,823
489,148,152
593,696,743
0
0
00593,696,743489,148,152530,518,823353,122,508319,314,807250,006,892257,066,106
       Cash And Cash Equivalents 
56,856,151
85,468,602
151,368,988
174,162,726
494,803,575
431,630,771
552,487,981
847,633,374
1,197,582,209
1,197,582,209847,633,374552,487,981431,630,771494,803,575174,162,726151,368,98885,468,60256,856,151
       Inventory 
390
390
390
390
390
390
390
0
0
00390390390390390390390
       Other Current Assets 
200,209,565
164,537,900
167,945,429
178,959,392
232,976,111
253,011,677
222,347,777
0
0
00222,347,777253,011,677232,976,111178,959,392167,945,429164,537,900200,209,565
   > Long-term Assets 000000000
       Property Plant Equipment 
26,233,935
26,666,921
39,265,593
38,794,519
38,132,419
37,416,023
47,069,858
70,660,761
69,668,544
69,668,54470,660,76147,069,85837,416,02338,132,41938,794,51939,265,59326,666,92126,233,935
       Goodwill 
0
0
0
124,942
124,942
124,942
124,942
0
0
00124,942124,942124,942124,942000
       Long Term Investments 
946,363,538
858,181,535
905,732,138
1,134,412,641
1,255,107,068
1,283,912,095
1,542,514,859
3,390,585,059
3,518,390,437
3,518,390,4373,390,585,0591,542,514,8591,283,912,0951,255,107,0681,134,412,641905,732,138858,181,535946,363,538
       Intangible Assets 
0
277,373
252,954
259,567
328,076
328,535
685,135
3,003,441
2,414,551
2,414,5513,003,441685,135328,535328,076259,567252,954277,3730
       Earning Assets 
0
0
948,898,289
1,294,076,458
1,532,381,875
1,502,126,289
1,887,404,153
3,848,651,400
0
03,848,651,4001,887,404,1531,502,126,2891,532,381,8751,294,076,458948,898,28900
> Total Liabilities 
3,362,499,743
3,636,609,768
3,843,164,508
4,315,875,493
4,658,686,897
4,717,448,829
5,215,196,495
10,176,396,169
11,229,044,850
11,229,044,85010,176,396,1695,215,196,4954,717,448,8294,658,686,8974,315,875,4933,843,164,5083,636,609,7683,362,499,743
   > Total Current Liabilities 
2,998,912,060
3,195,383,929
3,468,991,392
3,803,500,987
4,150,654,779
4,204,448,424
4,552,221,733
0
0
004,552,221,7334,204,448,4244,150,654,7793,803,500,9873,468,991,3923,195,383,9292,998,912,060
       Short-term Debt 
293,162,277
351,679,979
306,366,148
412,254,965
0
0
0
0
0
00000412,254,965306,366,148351,679,979293,162,277
       Short Long Term Debt 
293,162,277
351,679,979
306,366,148
412,254,965
0
0
0
0
0
00000412,254,965306,366,148351,679,979293,162,277
       Accounts payable 
2,976,510,614
3,174,503,424
3,441,175,091
3,771,946,988
4,102,884,313
4,175,048,090
4,524,361,458
31,807,505
45,494,112
45,494,11231,807,5054,524,361,4584,175,048,0904,102,884,3133,771,946,9883,441,175,0913,174,503,4242,976,510,614
       Other Current Liabilities 
13,560,138
11,679,229
17,453,468
14,955,569
12,688,835
11,712,584
9,091,800
0
0
009,091,80011,712,58412,688,83514,955,56917,453,46811,679,22913,560,138
   > Long-term Liabilities 000000000
       Long term Debt Total 
0
0
306,366,148
412,254,965
456,803,916
432,755,957
527,140,581
519,222,312
512,451,999
512,451,999519,222,312527,140,581432,755,957456,803,916412,254,965306,366,14800
> Total Stockholder Equity
186,343,170
198,991,651
230,481,128
240,936,670
252,518,083
268,356,518
339,894,024
647,377,778
708,611,249
708,611,249647,377,778339,894,024268,356,518252,518,083240,936,670230,481,128198,991,651186,343,170
   Common Stock
6,303,063
6,357,788
6,874,411
6,874,411
11,685,734
17,630,163
34,228,189
64,068,444
68,347,475
68,347,47564,068,44434,228,18917,630,16311,685,7346,874,4116,874,4116,357,7886,303,063
   Retained Earnings 
120,043,060
134,662,654
151,705,250
147,107,674
92,857,751
61,016,408
1,942,308
357,485,232
406,452,511
406,452,511357,485,2321,942,30861,016,40892,857,751147,107,674151,705,250134,662,654120,043,060
   Capital Surplus 
0
0
44,843,791
50,485,991
110,736,572
152,854,779
253,816,883
174,825,113
184,966,895
184,966,895174,825,113253,816,883152,854,779110,736,57250,485,99144,843,79100
   Treasury Stock000000000
   Other Stockholders Equity 
26,479,997
23,399,995
1,245,304
41,878,594
37,238,026
36,855,168
49,906,644
2,014,212
1,273,628
1,273,6282,014,21249,906,64436,855,16837,238,02641,878,5941,245,30423,399,99526,479,997



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2022-03-31)

Gross Profit (+$)
totalRevenue413,754,741
Cost of Revenue--
Gross Profit-413,754,741
 
Operating Income (+$)
Gross Profit-
Operating Expense--
Operating Income-0
 
Operating Expense (+$)
Research Development-
Selling General Administrative2,891,561
Selling And Marketing Expenses-
Operating Expense-2,891,561
 
Net Interest Income (+$)
Interest Income682,296,573
Interest Expense-401,784,651
Net Interest Income280,511,922280,511,922
 
Pretax Income (+$)
Operating Income-
Net Interest Income280,511,922
Other Non-Operating Income Expenses-
Income Before Tax (EBT)85,663,4180
EBIT - interestExpense = -401,784,651
52,653,205
454,437,856
Interest Expense401,784,651
Earnings Before Interest and Taxes (ebit)-487,448,069
Earnings Before Interest and Taxes (ebitda)-
 
After tax Income (+$)
Income Before Tax85,663,418
Tax Provision-33,578,400
Net Income From Continuing Ops52,653,25752,085,018
Net Income52,653,205
Net Income Applicable To Common Shares52,653,205
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--280,511,922
 

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