City Union Financials
| CUB Stock | 179.68 1.39 0.78% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Income | 15 B | 14.3 B |
|
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City | Select Account or Indicator |
Understanding current and past City Union Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of City Union's financial statements are interrelated, with each one affecting the others. For example, an increase in City Union's assets may result in an increase in income on the income statement.
Please note, the presentation of City Union's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, City Union's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of City Union's management manipulating its earnings.
City Union Stock Summary
City Union competes with ICICI Securities, Nippon Life, Fortis Healthcare, ICICI Lombard, and CEAT. City Union is entity of India. It is traded as Stock on NSE exchange.| Foreign Associate | USA |
Specialization | Financial Services, Banks - Regional |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE491A01021 |
| Business Address | Narayana, Kumbakonam, India, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.cityunionbank.com |
| Phone | 91 43 5240 2322 |
You should never invest in City Union without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of City Stock, because this is throwing your money away. Analyzing the key information contained in City Union's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
City Union Key Financial Ratios
There are many critical financial ratios that City Union's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that City Union Bank reports annually and quarterly.| Revenue | 25.79 B | |||
| Gross Profit | 20.65 B | |||
| EBITDA | 13.06 B | |||
| Net Income | 10.16 B | |||
| Cash And Equivalents | 8.59 M |
City Union Key Balance Sheet Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Total Assets | 497.3B | 533.1B | 615.3B | 665.9B | 708.3B | 743.7B | |
| Net Debt | (29.0B) | (40.8B) | (9.0B) | (19.6B) | (69.4B) | (66.0B) | |
| Retained Earnings | 579.4M | 614.5M | 994.2M | 1.1B | 1.1B | 1.2B | |
| Cash | 47.2B | 56.2B | 66.9B | 66.5B | 69.4B | 72.9B | |
| Other Assets | 462.7B | 494.6B | 567.7B | 623.2B | (156.6B) | (148.8B) | |
| Total Liab | 444.4B | 474.7B | 549.5B | 591.4B | 624.2B | 655.5B | |
| Total Current Assets | 32.2B | 36.2B | 45.4B | 40.4B | 33.0B | 24.9B | |
| Common Stock | 737.3M | 738.8M | 739.6M | 740.4M | 740.7M | 577.2M | |
| Other Current Liab | (2.7B) | (2.3B) | (2.2B) | (2.8B) | (3.2B) | (3.0B) | |
| Accounts Payable | 2.7B | 2.3B | 2.2B | 2.8B | 3.2B | 2.0B | |
| Net Receivables | 3.3B | 3.2B | 3.6B | 3.4B | 3.9B | 3.0B | |
| Other Liab | 8.1B | 11.0B | 11.7B | 12.5B | 14.4B | 8.6B | |
| Net Tangible Assets | 48.4B | 53.0B | 58.4B | 65.9B | 75.7B | 46.5B | |
| Long Term Debt | 8.9M | 4.0B | 1.4M | 1.0M | 936.9K | 890.1K | |
| Other Current Assets | 48.6B | 57.2B | 68.3B | 68.2B | 69.4B | 45.6B | |
| Short Term Debt | 13.9B | 11.0B | 50.2B | 38.7B | 40.5B | 42.6B | |
| Long Term Debt Total | 1.4M | 498.4K | 582K | 1.8M | 1.6M | 1.5M | |
| Inventory | (51.9B) | (60.4B) | (71.9B) | (71.6B) | 65.5B | 68.8B | |
| Cash And Equivalents | 18.7M | 10.5M | 10.2M | 8.6M | 7.7M | 14.5M | |
| Net Invested Capital | 71.2B | 71.9B | 119.0B | 121.5B | 131.3B | 97.9B | |
| Capital Stock | 737.3M | 738.8M | 739.6M | 740.4M | 740.7M | 812.4M |
City Union Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Interest Expense | 24.9B | 23.1B | 21.9B | 25.5B | 31.5B | 16.6B | |
| Total Revenue | 23.9B | 25.2B | 26.7B | 29.7B | 25.8B | 14.4B | |
| Gross Profit | 23.9B | 25.2B | 26.7B | 29.7B | 60.1B | 63.1B | |
| Operating Income | 5.1B | 6.1B | 9.0B | 11.0B | 14.3B | 15.0B | |
| Ebit | 5.1B | 6.9B | 9.9B | 11.8B | 12.3B | 15.0B | |
| Ebitda | 5.9B | 7.8B | 10.7B | 12.5B | 13.1B | 15.5B | |
| Income Before Tax | 5.9B | 6.9B | 9.9B | 11.8B | 12.3B | 12.9B | |
| Net Income | 4.8B | 5.9B | 7.6B | 9.4B | 10.2B | 10.7B | |
| Income Tax Expense | 1.1B | 1B | 2.3B | 2.4B | 2.2B | 1.8B | |
| Cost Of Revenue | 491.5M | 587.5M | 1.2B | 1.8B | (34.3B) | (32.6B) | |
| Tax Provision | 3.3M | 1B | 506K | 2.4B | 2.2B | 2.3B | |
| Interest Income | 4.1M | 41.3B | 7.0M | 47.1B | 52.7B | 55.3B | |
| Net Interest Income | 16.8B | 18.3B | 19.2B | 21.6B | 21.2B | 19.2B |
City Union Key Cash Accounts
Cash flow analysis captures how much money flows into and out of City Union Bank. It measures of how well City is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money City Union brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money City had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what City Union has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 17.6B | 8.9B | 10.7B | (376.6M) | 2.9B | 3.7B | |
| Free Cash Flow | 17.6B | 8.5B | 10.9B | 14.2M | 2.7B | 3.4B | |
| Depreciation | 789.9M | 874.7M | 850.2M | 728.5M | 753.9M | 445.5M | |
| Other Non Cash Items | 6.6B | 5.0B | 5.6B | 4.9B | 2.1B | 2.4B | |
| Dividends Paid | 370.8M | 16.8M | 375.8M | 741.5M | 741.3M | 778.4M | |
| Capital Expenditures | 750.3M | 761.8M | 771.0M | 989.8M | 1.7B | 1.8B | |
| Net Income | 4.8B | 5.9B | 7.6B | 9.4B | 10.2B | 10.7B | |
| End Period Cash Flow | 47.2B | 56.2B | 66.9B | 66.5B | 69.4B | 72.9B | |
| Change To Netincome | 2.8B | 6.6B | 5.0B | 5.6B | 6.4B | 3.8B | |
| Investments | (595.9M) | (379.6M) | (628.4M) | (718.8M) | (1.1B) | (1.1B) |
City Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining City Union's current stock value. Our valuation model uses many indicators to compare City Union value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across City Union competition to find correlations between indicators driving City Union's intrinsic value. More Info.City Union Bank is rated below average in return on equity category among its peers. It is number one stock in return on asset category among its peers reporting about 0.12 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for City Union Bank is roughly 8.24 . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the City Union's earnings, one of the primary drivers of an investment's value.City Union Bank Systematic Risk
City Union's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. City Union volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on City Union Bank correlated with the market. If Beta is less than 0 City Union generally moves in the opposite direction as compared to the market. If City Union Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one City Union Bank is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of City Union is generally in the same direction as the market. If Beta > 1 City Union moves generally in the same direction as, but more than the movement of the benchmark.
City Union Bank Total Assets Over Time
City Union Thematic Clasifications
City Union Bank is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
| Banks | View |
City Union November 29, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of City Union help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of City Union Bank. We use our internally-developed statistical techniques to arrive at the intrinsic value of City Union Bank based on widely used predictive technical indicators. In general, we focus on analyzing City Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build City Union's daily price indicators and compare them against related drivers.
| Downside Deviation | 1.43 | |||
| Information Ratio | (0) | |||
| Maximum Drawdown | 14.4 | |||
| Value At Risk | (2.47) | |||
| Potential Upside | 2.94 |
Complementary Tools for City Stock analysis
When running City Union's price analysis, check to measure City Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy City Union is operating at the current time. Most of City Union's value examination focuses on studying past and present price action to predict the probability of City Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move City Union's price. Additionally, you may evaluate how the addition of City Union to your portfolios can decrease your overall portfolio volatility.
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