City Union Bank Limited
City Union Bank Limited Fundamental Analysis
City Union Bank Limited (CUB.BO) shows moderate financial fundamentals with a PE ratio of 17.07, profit margin of 16.63%, and ROE of 13.68%. The company generates $75.5B in annual revenue with strong year-over-year growth of 11.97%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CUB.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakCUB.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateCUB.BO shows balanced valuation metrics.
Growth Score
ExcellentCUB.BO delivers strong and consistent growth momentum.
Financial Health Score
ModerateCUB.BO shows balanced financial health with some risks.
Profitability Score
WeakCUB.BO struggles to sustain strong margins.
Key Financial Metrics
Is CUB.BO Expensive or Cheap?
P/E Ratio
CUB.BO trades at 17.07 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CUB.BO's PEG of 4.49 indicates potential overvaluation.
Price to Book
The market values City Union Bank Limited at 2.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.61 times EBITDA. This signals the market has high growth expectations.
How Well Does CUB.BO Make Money?
Net Profit Margin
For every $100 in sales, City Union Bank Limited keeps $16.63 as profit after all expenses.
Operating Margin
Core operations generate 20.87 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.68 in profit for every $100 of shareholder equity.
ROA
City Union Bank Limited generates $0.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
City Union Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
City Union Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
CUB.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.07
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.84
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.00
vs 25 benchmark
How CUB.BO Stacks Against Its Sector Peers
| Metric | CUB.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.07 | 18.79 | Neutral |
| ROE | 13.68% | 849.00% | Weak |
| Net Margin | 16.63% | 2879.00% | Weak |
| Debt/Equity | 0.00 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 675.77 | Weak Liquidity |
| ROA | 0.00% | -20989.00% (disorted) | Weak |
CUB.BO outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews City Union Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
36.05%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
132.65%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-462.05%
Industry Style: Value, Dividend, Cyclical
Declining