CITY UNION BANK LTD vs KOTAK MAHINDRA BANK LTD

A side-by-side comparison of CITY UNION BANK LTD (CUB) and KOTAK MAHINDRA BANK LTD (KOTAKBANK) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

CUB logo
CITY UNION BANK LTD
CUB
₹230.01-2.12%
Leads on the numbers
VS
KOTAKBANK logo
KOTAK MAHINDRA BANK LTD
KOTAKBANK
₹421.75-0.76%
The verdict

On the numbers, CITY UNION BANK LTD leads CUB vs KOTAKBANK on 7 of 14 metrics (2 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation31
  • Profitability22
  • Growth10
  • Size & financial health12
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

CUB takes 3/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

20.23
P/E ratio
21.75
2.15
P/B ratio
2.19
0.87%
Dividend yield
0.15%
₹11.37
EPS
₹19.39

Profitability

Even

How efficiently each company turns capital and sales into profit. Higher is better.

11.87%
Return on equity
11.20%
5.89%
Return on capital
6.93%
0.00%
EBITDA margin
24.31%
37.79%
Net margin
17.25%

Growth

CUB takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

—
Revenue CAGR (3Y)
—
12.27%
Profit CAGR (3Y)
8.92%

Size & financial health

KOTAKBANK takes 2/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹22,836 Cr
Market cap
₹4.19L Cr
₹106372.34L Cr
Revenue
₹1.11L Cr
₹1,124 Cr
Net profit
₹19,288 Cr
0.00
Debt / equity even
0.00
CITY UNION BANK LTD
  • + ["Company's working capital requirements have reduced from 180 days to 138 days"]
  • − ["Company has low interest coverage ratio.", "The company has delivered a poor sales growth of 10.7% over past five years.", "Company has a low return on equity of 12.9% over last 3 years.", "Contingent liabilities of Rs.16,490 Cr.", "Company might be capitalizing the interest cost", "Dividend payout has been low at 11.8% of profits over last 3 years"]
KOTAK MAHINDRA BANK LTD
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
CITY UNION BANK LTD full analysis KOTAK MAHINDRA BANK LTD full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.