Share Price and Basic Stock Data
Last Updated: December 18, 2025, 10:29 pm
| PEG Ratio | 0.25 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Union Bank of India has shown a commendable recovery trajectory, evidenced by its revenue growth from ₹68,230 Cr in FY 2022 to ₹81,163 Cr in FY 2023, marking an increase of approximately 18.5%. The bank’s revenue for the trailing twelve months (TTM) stood at ₹109,365 Cr, indicating a consistent upward momentum. This continuous growth trend is reflected in the quarterly revenue figures, with the bank reporting ₹26,510 Cr for Mar 2024 and an impressive ₹27,135 Cr for Dec 2024. Such performance highlights the bank’s ability to adapt to changing market dynamics and capitalize on rising demand for banking services, particularly in a recovering economy. The steady increase in interest income, which rose to ₹70,733 Cr for FY 2025 from ₹48,033 Cr in FY 2023, is a testament to the bank’s effective lending strategies and improved asset quality.
Profitability and Efficiency Metrics
When it comes to profitability, Union Bank of India has demonstrated a robust performance, with net profit rising sharply from ₹5,265 Cr in FY 2022 to ₹18,027 Cr in FY 2025. This impressive growth has translated into an earnings per share (EPS) of ₹23.62, reflecting a healthy return for shareholders. The return on equity (ROE) has also shown significant improvement, standing at 17% for FY 2025, up from 11% the previous year. However, the bank’s cost-to-income ratio of 47.33% indicates that while profitability is on the rise, operational efficiency remains an area for potential enhancement. The net profit margin of 16.52% illustrates a solid profitability framework, but the bank must continue focusing on controlling costs to sustain this growth in a competitive landscape.
Balance Sheet Strength and Financial Ratios
The balance sheet of Union Bank of India appears solid, with total assets reaching ₹1,511,329 Cr in FY 2025, up from ₹1,288,357 Cr in FY 2023. This growth is supported by a significant increase in reserves, which have surged to ₹106,200 Cr, indicating a strong capital position. The bank’s gross non-performing assets (NPA) ratio is currently undisclosed, but the focus on improving asset quality is evident from the reduction in financing losses, which turned positive for the first time in FY 2024. The price-to-book value ratio of 0.88 indicates that the stock is trading below its intrinsic value, which may attract value-focused investors. Overall, while the financial ratios suggest a healthy balance sheet, the absence of gross NPA figures raises questions about asset quality that investors should keep an eye on.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Union Bank of India reflects a stable investor base, with promoters holding 74.76% of the shares as of Mar 2025, a decrease from 83.49% in Dec 2022. This shift suggests an increasing interest from institutional investors, as foreign institutional investors (FIIs) have raised their stake to 7.86% from just 1.62% in Dec 2022. Domestic institutional investors (DIIs) also maintain a significant presence at 11.70%. The number of shareholders has grown to 9,55,839, indicating rising retail interest in the stock. This diversification of the shareholder base can enhance market confidence, as it suggests broader acceptance of the bank’s growth story. However, the declining promoter stake could raise concerns about long-term commitment, which investors should monitor closely.
Outlook, Risks, and Final Insight
Looking ahead, Union Bank of India stands at a crucial juncture. The bank’s strong revenue and profit growth, coupled with a solid balance sheet, paint an optimistic picture. However, investors must consider potential risks, such as the quality of assets, given the lack of disclosed NPA figures, and the need for improved operational efficiency. The evolving economic landscape and competitive pressures could impact profitability margins, making it essential for the bank to navigate these challenges effectively. Investors should weigh the bank’s strong financial performance against these risks, reflecting on the potential for further growth while remaining cautious about the factors that could disrupt this positive trajectory. In essence, while the current indicators are promising, a vigilant approach will be key for investors evaluating Union Bank of India’s stock in the coming quarters.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Union Bank of India | 1,17,664 Cr. | 154 | 160/101 | 6.36 | 165 | 3.08 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 35,775 Cr. | 28.5 | 46.3/26.8 | 14.2 | 25.9 | 1.37 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,02,293 Cr. | 978 | 999/680 | 11.5 | 617 | 1.63 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,36,571 Cr. | 119 | 128/85.5 | 8.02 | 124 | 2.44 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,023 Cr. | 26.8 | 52.0/25.2 | 16.4 | 19.2 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 147,096.15 Cr | 222.18 | 9.82 | 177.23 | 1.94% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18,256 | 19,778 | 20,966 | 22,163 | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 27,135 | 27,869 | 27,475 |
| Interest | 10,598 | 11,384 | 12,242 | 13,810 | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,765 | 18,245 | 18,231 |
| Expenses | 8,442 | 9,598 | 8,817 | 10,041 | 7,978 | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 |
| Financing Profit | -784 | -1,204 | -93 | -1,688 | 971 | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 |
| Financing Margin % | -4% | -6% | -0% | -8% | 4% | 5% | 5% | 1% | 1% | 2% | 5% | -0% | 1% |
| Other Income | 2,948 | 3,697 | 3,669 | 5,601 | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,165 | 2,493 | 3,576 | 3,912 | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 |
| Tax % | 28% | 26% | 37% | 28% | 37% | 35% | 35% | 37% | 27% | 26% | 22% | 19% | 21% |
| Net Profit | 1,583 | 1,853 | 2,264 | 2,812 | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 |
| EPS in Rs | 2.32 | 2.71 | 3.31 | 4.11 | 4.79 | 4.82 | 4.89 | 4.36 | 4.77 | 6.22 | 6.06 | 6.56 | 5.80 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 9:50 am
Below is a detailed analysis of the quarterly data for Union Bank of India based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 18,231.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 18,245.00 Cr. (Mar 2025) to 18,231.00 Cr., marking a decrease of 14.00 Cr..
- For Expenses, as of Jun 2025, the value is 8,844.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9,673.00 Cr. (Mar 2025) to 8,844.00 Cr., marking a decrease of 829.00 Cr..
- For Other Income, as of Jun 2025, the value is 4,869.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,223.00 Cr. (Mar 2025) to 4,869.00 Cr., marking a decrease of 1,354.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 5,269.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,175.00 Cr. (Mar 2025) to 5,269.00 Cr., marking a decrease of 906.00 Cr..
- For Tax %, as of Jun 2025, the value is 21.00%. The value appears to be increasing, which may not be favorable. It has increased from 19.00% (Mar 2025) to 21.00%, marking an increase of 2.00%.
- For Net Profit, as of Jun 2025, the value is 4,428.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,011.00 Cr. (Mar 2025) to 4,428.00 Cr., marking a decrease of 583.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 5.80. The value appears to be declining and may need further review. It has decreased from 6.56 (Mar 2025) to 5.80, marking a decrease of 0.76.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:27 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29,394 | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 108,417 | 109,144 |
| Interest | 21,467 | 23,640 | 23,894 | 23,776 | 23,471 | 23,896 | 25,837 | 44,112 | 40,178 | 48,033 | 63,364 | 70,733 | 71,947 |
| Expenses | 8,829 | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 36,155 | 32,422 | 34,738 | 35,669 |
| Financing Profit | -902 | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 2,946 | 1,528 |
| Financing Margin % | -3% | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -4% | 5% | 3% | 1% |
| Other Income | 3,141 | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 21,562 | 21,257 |
| Depreciation | 198 | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 745 | 896 | 1,084 | 0 |
| Profit before tax | 2,040 | 2,759 | 1,758 | 359 | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 12,147 | 21,507 | 23,424 | 22,785 |
| Tax % | 18% | 36% | 24% | -58% | -21% | -25% | -27% | -22% | 39% | 31% | 36% | 23% | |
| Net Profit | 1,687 | 1,771 | 1,347 | 573 | -5,212 | -2,922 | -3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | 18,488 |
| EPS in Rs | 26.59 | 27.69 | 19.73 | 8.33 | -44.61 | -16.58 | -9.12 | 4.47 | 7.70 | 12.45 | 18.07 | 23.62 | 24.22 |
| Dividend Payout % | 15% | 22% | 10% | 0% | 0% | 0% | 0% | 0% | 25% | 24% | 20% | 20% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 4.98% | -23.94% | -57.46% | -1009.60% | 43.94% | -6.81% | 191.73% | 83.90% | 61.67% | 62.09% | 30.66% |
| Change in YoY Net Profit Growth (%) | 0.00% | -28.92% | -33.52% | -952.14% | 1053.54% | -50.75% | 198.54% | -107.84% | -22.23% | 0.42% | -31.43% |
Union Bank of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 24% |
| 3 Years: | 17% |
| TTM: | 6% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 51% |
| 3 Years: | 51% |
| TTM: | 33% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | 34% |
| 3 Years: | 44% |
| 1 Year: | 3% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 13% |
| 3 Years: | 15% |
| Last Year: | 17% |
Last Updated: September 5, 2025, 1:50 pm
Balance Sheet
Last Updated: December 10, 2025, 3:36 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 630 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 | 7,634 | 7,634 | 7,738 |
| Reserves | 18,004 | 19,263 | 22,361 | 23,406 | 24,083 | 25,073 | 30,567 | 58,331 | 64,026 | 71,969 | 89,964 | 106,200 | 118,157 |
| Deposits | 306,191 | 325,990 | 344,118 | 377,195 | 410,288 | 417,505 | 452,436 | 925,654 | 1,034,368 | 1,120,322 | 1,224,593 | 1,312,291 | 1,237,050 |
| Borrowing | 20,888 | 26,628 | 30,637 | 41,226 | 45,680 | 43,276 | 52,714 | 51,922 | 51,245 | 42,737 | 26,974 | 27,490 | 69,197 |
| Other Liabilities | 9,300 | 11,048 | 9,562 | 13,167 | 9,900 | 10,964 | 16,369 | 40,063 | 37,292 | 46,495 | 52,831 | 57,714 | 58,182 |
| Total Liabilities | 355,013 | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 | 1,288,357 | 1,401,996 | 1,511,329 | 1,490,323 |
| Fixed Assets | 2,621 | 2,690 | 3,939 | 3,896 | 3,824 | 3,743 | 4,734 | 7,303 | 7,171 | 8,826 | 9,224 | 9,765 | 9,999 |
| CWIP | 2 | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 | 22 | 36 | 59 | 0 |
| Investments | 94,636 | 85,818 | 90,573 | 113,441 | 125,485 | 128,391 | 154,251 | 339,059 | 351,839 | 343,727 | 343,953 | 361,903 | 357,747 |
| Other Assets | 257,753 | 295,053 | 312,840 | 338,322 | 361,777 | 366,402 | 396,470 | 735,952 | 834,718 | 935,782 | 1,048,783 | 1,139,602 | 1,122,577 |
| Total Assets | 355,013 | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 | 1,288,357 | 1,401,996 | 1,511,329 | 1,490,323 |
Below is a detailed analysis of the balance sheet data for Union Bank of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 7,738.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,634.00 Cr. (Mar 2025) to 7,738.00 Cr., marking an increase of 104.00 Cr..
- For Reserves, as of Sep 2025, the value is 118,157.00 Cr.. The value appears strong and on an upward trend. It has increased from 106,200.00 Cr. (Mar 2025) to 118,157.00 Cr., marking an increase of 11,957.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 58,182.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 57,714.00 Cr. (Mar 2025) to 58,182.00 Cr., marking an increase of 468.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,490,323.00 Cr.. The value appears to be improving (decreasing). It has decreased from 1,511,329.00 Cr. (Mar 2025) to 1,490,323.00 Cr., marking a decrease of 21,006.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 9,999.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,765.00 Cr. (Mar 2025) to 9,999.00 Cr., marking an increase of 234.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 59.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 59.00 Cr..
- For Investments, as of Sep 2025, the value is 357,747.00 Cr.. The value appears to be declining and may need further review. It has decreased from 361,903.00 Cr. (Mar 2025) to 357,747.00 Cr., marking a decrease of 4,156.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,122,577.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,139,602.00 Cr. (Mar 2025) to 1,122,577.00 Cr., marking a decrease of 17,025.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,490,323.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,511,329.00 Cr. (Mar 2025) to 1,490,323.00 Cr., marking a decrease of 21,006.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -298.00 | -316.00 | -334.00 | -364.00 | -389.00 | -398.00 | -431.00 | -889.00 | 31.00 | 35.00 | 31.00 | 33.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 9% | 6% | 2% | -21% | -11% | -10% | 6% | 8% | 11% | 16% | 17% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Mid Cap Fund | 96,886,066 | 1.61 | 1484.97 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 22,000,000 | 0.8 | 337.19 | N/A | N/A | N/A |
| ICICI Prudential Large Cap Fund | 12,445,203 | 0.24 | 190.75 | 14,945,203 | 2025-12-15 01:15:51 | -16.73% |
| Axis Small Cap Fund | 10,743,897 | 0.62 | 164.67 | N/A | N/A | N/A |
| Mahindra Manulife Mid Cap Fund | 6,200,000 | 2.23 | 95.03 | N/A | N/A | N/A |
| Kotak Equity Savings Fund | 6,000,000 | 0.98 | 91.96 | N/A | N/A | N/A |
| Nippon India ELSS Tax Saver Fund | 6,000,000 | 0.59 | 91.96 | 8,930,000 | 2025-12-15 01:15:51 | -32.81% |
| Nippon India Small Cap Fund | 5,115,879 | 0.11 | 78.41 | 9,861,558 | 2025-12-15 01:15:51 | -48.12% |
| Tata Arbitrage Fund | 3,491,325 | 0.27 | 53.51 | N/A | N/A | N/A |
| Edelweiss Balanced Advantage Fund | 3,394,837 | 0.39 | 52.03 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 23.62 | 19.15 | 12.45 | 7.77 | 4.47 |
| Diluted EPS (Rs.) | 23.62 | 19.15 | 12.45 | 7.77 | 4.47 |
| Cash EPS (Rs.) | 24.90 | 19.13 | 13.42 | 8.71 | 5.83 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 141.83 | 120.32 | 106.17 | 96.56 | 93.24 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 148.99 | 127.72 | 115.15 | 103.53 | 100.88 |
| Operating Revenue / Share (Rs.) | 142.03 | 131.49 | 118.75 | 99.83 | 108.18 |
| Net Profit / Share (Rs.) | 23.48 | 17.96 | 12.33 | 7.62 | 4.41 |
| Net Profit After MI / Share (Rs.) | 23.61 | 18.07 | 12.45 | 7.70 | 4.47 |
| Net Profit Margin (%) | 16.52 | 13.65 | 10.38 | 7.63 | 4.08 |
| Net Profit After MI And SOA Nargin (%) | 16.62 | 13.74 | 10.48 | 7.71 | 4.13 |
| Operating Profit Margin (%) | 30.24 | 25.00 | 17.18 | 12.52 | 7.23 |
| Return On Assets (%) | 1.19 | 0.98 | 0.66 | 0.44 | 0.26 |
| Return On Equity / Networth (%) | 16.65 | 15.02 | 11.72 | 7.97 | 4.79 |
| Net Interest Margin (X) | 2.49 | 2.63 | 2.57 | 2.34 | 2.32 |
| Cost To Income (%) | 47.33 | 48.34 | 47.88 | 47.38 | 50.51 |
| Interest Income / Total Assets (%) | 7.17 | 7.15 | 6.29 | 5.71 | 6.40 |
| Non-Interest Income / Total Assets (%) | 1.42 | 1.27 | 1.23 | 1.13 | 1.28 |
| Operating Profit / Total Assets (%) | -0.24 | -0.29 | -0.58 | -0.69 | -1.02 |
| Operating Expenses / Total Assets (%) | 1.85 | 1.89 | 1.82 | 1.65 | 1.82 |
| Interest Expenses / Total Assets (%) | 4.68 | 4.51 | 3.72 | 3.36 | 4.07 |
| Enterprise Value (Rs.Cr.) | 1346712.77 | 1315907.76 | 1158348.65 | 1066085.71 | 961609.75 |
| EV Per Net Sales (X) | 12.42 | 13.11 | 14.27 | 15.62 | 13.87 |
| Price To Book Value (X) | 0.88 | 1.28 | 0.62 | 0.40 | 0.36 |
| Price To Sales (X) | 0.88 | 1.17 | 0.55 | 0.38 | 0.31 |
| Retention Ratios (%) | 79.88 | 80.08 | 75.91 | 75.33 | 100.00 |
| Earnings Yield (X) | 0.18 | 0.11 | 0.18 | 0.19 | 0.13 |
After reviewing the key financial ratios for Union Bank of India, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 23.62. This value is within the healthy range. It has increased from 19.15 (Mar 24) to 23.62, marking an increase of 4.47.
- For Diluted EPS (Rs.), as of Mar 25, the value is 23.62. This value is within the healthy range. It has increased from 19.15 (Mar 24) to 23.62, marking an increase of 4.47.
- For Cash EPS (Rs.), as of Mar 25, the value is 24.90. This value is within the healthy range. It has increased from 19.13 (Mar 24) to 24.90, marking an increase of 5.77.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 141.83. It has increased from 120.32 (Mar 24) to 141.83, marking an increase of 21.51.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 148.99. It has increased from 127.72 (Mar 24) to 148.99, marking an increase of 21.27.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 23.48. This value is within the healthy range. It has increased from 17.96 (Mar 24) to 23.48, marking an increase of 5.52.
- For Net Profit Margin (%), as of Mar 25, the value is 16.52. This value exceeds the healthy maximum of 10. It has increased from 13.65 (Mar 24) to 16.52, marking an increase of 2.87.
- For Return On Assets (%), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 5. It has increased from 0.98 (Mar 24) to 1.19, marking an increase of 0.21.
- For Retention Ratios (%), as of Mar 25, the value is 79.88. This value exceeds the healthy maximum of 70. It has decreased from 80.08 (Mar 24) to 79.88, marking a decrease of 0.20.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Union Bank of India:
- Net Profit Margin: 16.52%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.22%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 14.34%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 6.36 (Industry average Stock P/E: 9.82)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.52%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Public Sector | Union Bank Bhavan, Mumbai Maharashtra 400021 | investorservices@unionbankofindia.bank http://www.unionbankofindia.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Srinivasan Varadarajan | Non Executive Chairman |
| Mr. S Ramasubramanian | Executive Director |
| Mr. Nitesh Ranjan | Executive Director |
| Mr. Sanjay Rudra | Executive Director |
| Mr. Suraj Srivastava | Part Time Non Official Director |
| Mrs. Priti Jay Rao | Shareholder Director |
| Mr. Prakash Chandra Kandpal | Shareholder Director |
| Mr. Sameer Shukla | Government Nominee Director |
| Mr. Prakash Baliarsingh | Nominee Director |
FAQ
What is the intrinsic value of Union Bank of India?
Union Bank of India's intrinsic value (as of 19 December 2025) is 147.11 which is 4.47% lower the current market price of 154.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,17,664 Cr. market cap, FY2025-2026 high/low of 160/101, reserves of ₹118,157 Cr, and liabilities of 1,490,323 Cr.
What is the Market Cap of Union Bank of India?
The Market Cap of Union Bank of India is 1,17,664 Cr..
What is the current Stock Price of Union Bank of India as on 19 December 2025?
The current stock price of Union Bank of India as on 19 December 2025 is 154.
What is the High / Low of Union Bank of India stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Union Bank of India stocks is 160/101.
What is the Stock P/E of Union Bank of India?
The Stock P/E of Union Bank of India is 6.36.
What is the Book Value of Union Bank of India?
The Book Value of Union Bank of India is 165.
What is the Dividend Yield of Union Bank of India?
The Dividend Yield of Union Bank of India is 3.08 %.
What is the ROCE of Union Bank of India?
The ROCE of Union Bank of India is 6.72 %.
What is the ROE of Union Bank of India?
The ROE of Union Bank of India is 17.0 %.
What is the Face Value of Union Bank of India?
The Face Value of Union Bank of India is 10.0.