Union Bank of India: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: May 3, 2025, 8:58 pm

Market Cap	96,351 Cr.
Current Price	126
High / Low	172/101
Stock P/E	5.90
Book Value	147
Dividend Yield	2.85 %
ROCE	6.55 %
ROE	15.6 %
Face Value	10.0
PEG Ratio	0.16

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Union Bank of India

Competitors of Union Bank of India

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Union Bank of India	96,351 Cr.	126	172/101	5.90	147	2.85 %	6.55 %	15.6 %	10.0
UCO Bank	39,537 Cr.	31.5	62.4/26.8	16.2	24.7	1.24 %	5.76 %	8.38 %	10.0
State Bank of India (SBI)	7,13,970 Cr.	800	912/680	9.21	546	1.71 %	6.47 %	17.2 %	1.00
Punjab National Bank	1,14,608 Cr.	99.7	139/85.5	6.81	114	1.50 %	5.46 %	8.54 %	2.00
Punjab & Sind Bank	20,811 Cr.	29.3	73.6/25.2	20.5	18.8	0.68 %	5.98 %	7.03 %	10.0
Industry Average	120,026.08 Cr	177.72		10.13	160.45	1.83%	6.09%	13.63%	7.46

All Competitor Stocks of Union Bank of India

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	17,072	17,028	18,256	19,778	20,966	22,163	23,613	24,732	25,521	26,510	26,527	26,887	27,135
Interest	9,762	10,409	10,598	11,384	12,242	13,810	14,664	15,498	16,236	16,966	17,004	17,720	17,765
Expenses	7,946	6,940	8,442	9,598	8,817	10,041	7,978	7,962	8,012	9,365	9,367	8,686	8,096
Financing Profit	-635	-321	-784	-1,204	-93	-1,688	971	1,271	1,273	179	156	480	1,274
Financing Margin %	-4%	-2%	-4%	-6%	-0%	-8%	4%	5%	5%	1%	1%	2%	5%
Other Income	3,161	2,326	2,948	3,697	3,669	5,601	4,209	4,221	4,281	5,102	4,799	5,926	4,614
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	2,526	2,005	2,165	2,493	3,576	3,912	5,180	5,492	5,554	5,281	4,954	6,406	5,889
Tax %	58%	23%	28%	26%	37%	28%	37%	35%	35%	37%	27%	26%	22%
Net Profit	1,077	1,557	1,583	1,853	2,264	2,812	3,272	3,572	3,625	3,328	3,642	4,751	4,623
EPS in Rs	1.58	2.28	2.32	2.71	3.31	4.11	4.79	4.82	4.89	4.36	4.77	6.22	6.06
Gross NPA %
Net NPA %

Last Updated: February 27, 2025, 11:27 pm

Below is a detailed analysis of the quarterly data for Union Bank of India based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 17,765.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 17,720.00 Cr. (Sep 2024) to 17,765.00 Cr., marking an increase of 45.00 Cr..
For Expenses, as of Dec 2024, the value is 8,096.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 8,686.00 Cr. (Sep 2024) to 8,096.00 Cr., marking a decrease of 590.00 Cr..
For Other Income, as of Dec 2024, the value is 4,614.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,926.00 Cr. (Sep 2024) to 4,614.00 Cr., marking a decrease of 1,312.00 Cr..
For Depreciation, as of Dec 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is 5,889.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,406.00 Cr. (Sep 2024) to 5,889.00 Cr., marking a decrease of 517.00 Cr..
For Tax %, as of Dec 2024, the value is 22.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2024) to 22.00%, marking a decrease of 4.00%.
For Net Profit, as of Dec 2024, the value is 4,623.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,751.00 Cr. (Sep 2024) to 4,623.00 Cr., marking a decrease of 128.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 6.06. The value appears to be declining and may need further review. It has decreased from 6.22 (Sep 2024) to 6.06, marking a decrease of 0.16.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:30 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	25,169	29,394	32,164	32,316	32,817	32,952	34,314	37,479	69,311	68,230	81,163	100,376	107,058
Interest	17,575	21,467	23,640	23,894	23,776	23,471	23,896	25,837	44,112	40,178	48,033	63,364	69,454
Expenses	7,268	8,829	9,498	10,349	13,871	21,181	19,019	21,166	36,270	32,264	36,155	32,422	35,514
Financing Profit	325	-902	-973	-1,928	-4,830	-11,700	-8,601	-9,523	-11,071	-4,213	-3,024	4,590	2,090
Financing Margin %	1%	-3%	-3%	-6%	-15%	-36%	-25%	-25%	-16%	-6%	-4%	5%	2%
Other Income	2,868	3,141	3,957	3,934	5,430	5,462	5,042	5,789	14,307	13,524	15,915	17,813	20,440
Depreciation	156	198	225	249	241	368	374	417	908	745	745	895	0
Profit before tax	3,037	2,040	2,759	1,758	359	-6,607	-3,933	-4,151	2,327	8,566	12,147	21,508	22,530
Tax %	30%	18%	36%	24%	-58%	-21%	-25%	-27%	-22%	39%	31%	36%
Net Profit	2,146	1,687	1,771	1,347	573	-5,212	-2,922	-3,121	2,863	5,265	8,512	13,797	16,344
EPS in Rs	36.14	26.59	27.69	19.73	8.33	-44.61	-16.58	-9.12	4.47	7.70	12.45	18.07	21.41
Dividend Payout %	22%	15%	22%	10%	0%	0%	0%	0%	0%	25%	24%	20%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-21.39%	4.98%	-23.94%	-57.46%	-1009.60%	43.94%	-6.81%	191.73%	83.90%	61.67%	62.09%
Change in YoY Net Profit Growth (%)	0.00%	26.37%	-28.92%	-33.52%	-952.14%	1053.54%	-50.75%	198.54%	-107.84%	-22.23%	0.42%

Union Bank of India has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	13%
5 Years:	24%
3 Years:	13%
TTM:	11%

Compounded Profit Growth
10 Years:	23%
5 Years:	46%
3 Years:	69%
TTM:	23%

Stock Price CAGR
10 Years:	-1%
5 Years:	37%
3 Years:	50%
1 Year:	-17%

Return on Equity
10 Years:	5%
5 Years:	9%
3 Years:	12%
Last Year:	16%

Last Updated: Unknown

Balance Sheet

Last Updated: April 13, 2025, 2:35 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	597	630	636	687	687	1,169	1,763	3,423	6,407	6,835	6,835	7,634	7,738
Reserves	16,722	18,004	19,263	22,361	23,406	24,083	25,073	30,567	58,331	64,026	71,969	89,964	99,930
Deposits	270,471	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	1,245,177
Borrowing	17,118	20,888	26,628	30,637	41,226	45,680	43,276	52,714	51,922	51,245	42,737	26,974	25,940
Other Liabilities	8,003	9,300	11,048	9,562	13,167	9,900	10,964	16,369	40,063	37,292	46,495	52,831	45,415
Total Liabilities	312,912	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	1,424,200
Fixed Assets	2,483	2,621	2,690	3,939	3,896	3,824	3,743	4,734	7,303	7,171	8,826	9,224	9,249
CWIP	13	2	4	13	21	34	44	54	63	37	22	36	0
Investments	81,808	94,636	85,818	90,573	113,441	125,485	128,391	154,251	339,059	351,839	343,727	343,953	360,309
Other Assets	228,608	257,753	295,053	312,840	338,322	361,777	366,402	396,470	735,952	834,718	935,782	1,048,783	1,054,642
Total Assets	312,912	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	1,424,200

Below is a detailed analysis of the balance sheet data for Union Bank of India based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 2024) to ₹7,738.00 Cr., marking an increase of 104.00 Cr..
For Reserves, as of Sep 2024, the value is ₹99,930.00 Cr.. The value appears strong and on an upward trend. It has increased from 89,964.00 Cr. (Mar 2024) to ₹99,930.00 Cr., marking an increase of 9,966.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹45,415.00 Cr.. The value appears to be improving (decreasing). It has decreased from 52,831.00 Cr. (Mar 2024) to ₹45,415.00 Cr., marking a decrease of 7,416.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹1,424,200.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,401,996.00 Cr. (Mar 2024) to ₹1,424,200.00 Cr., marking an increase of 22,204.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹9,249.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,224.00 Cr. (Mar 2024) to ₹9,249.00 Cr., marking an increase of 25.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 36.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 36.00 Cr..
For Investments, as of Sep 2024, the value is ₹360,309.00 Cr.. The value appears strong and on an upward trend. It has increased from 343,953.00 Cr. (Mar 2024) to ₹360,309.00 Cr., marking an increase of 16,356.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹1,054,642.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,048,783.00 Cr. (Mar 2024) to ₹1,054,642.00 Cr., marking an increase of 5,859.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹1,424,200.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,401,996.00 Cr. (Mar 2024) to ₹1,424,200.00 Cr., marking an increase of 22,204.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-4,245	2,570	-3,567	81	-6,624	6,097	-7,778	-77	20,527	36,339	6,056	19,930
Cash from Investing Activity +	-343	-363	-318	-9	-280	-315	-297	-4	-601	-558	-2,561	-1,394
Cash from Financing Activity +	5,096	4,902	3,168	-2	10,194	10,792	1,758	201	-18,861	-786	-10,654	-11,489
Net Cash Flow	507	7,109	-718	70	3,289	16,574	-6,317	121	1,066	34,995	-7,159	7,047

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-263.00	-298.00	-316.00	-334.00	-364.00	-389.00	-398.00	-431.00	-889.00	31.00	35.00	31.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	13%	9%	9%	6%	2%	-21%	-11%	-10%	6%	8%	11%	16%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	83.49%	83.49%	83.49%	83.49%	83.49%	83.49%	83.49%	83.49%	76.99%	76.99%	74.76%	74.76%
FIIs	1.49%	1.19%	1.18%	1.13%	1.43%	1.62%	1.66%	1.46%	2.89%	3.97%	6.75%	7.37%
DIIs	6.72%	7.02%	7.05%	6.90%	7.05%	8.39%	8.27%	7.88%	12.69%	12.28%	12.24%	11.38%
Public	8.29%	8.30%	8.27%	8.47%	8.02%	6.49%	6.57%	7.17%	7.42%	6.76%	6.25%	6.50%
No. of Shareholders	6,90,809	7,39,143	7,61,809	7,98,214	7,81,554	7,80,208	7,83,550	7,75,773	8,65,251	8,74,309	9,14,940	9,84,229

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan	95,552,641	2.26	1336.3	95,552,641	2025-04-22 13:31:13	0%
Nippon India Growth Fund	19,400,000	1.11	271.31	19,400,000	2025-04-22 17:25:16	0%
Nippon India ETF Nifty PSU Bank BeES	14,372,566	9.18	201	14,372,566	2025-04-22 17:25:16	0%
Nippon India Large Cap Fund	13,902,366	0.91	194.42	13,902,366	2025-04-22 13:03:41	0%
Nippon India ELSS Tax Saver Fund	8,930,000	0.88	124.89	8,930,000	2025-04-22 17:25:16	0%
Kotak Nifty PSU Bank ETF	8,928,108	9.18	124.86	8,928,108	2025-04-22 17:25:16	0%
Sundaram Mid Cap Fund	8,415,503	1.16	117.69	8,415,503	2025-04-22 17:25:16	0%
Sundaram Mid Cap Fund - Institutional Plan	8,415,503	1.16	117.69	8,415,503	2025-04-22 17:25:16	0%
Aditya Birla Sun Life Multi-Cap Fund	6,438,209	1.79	90.04	6,438,209	2025-04-22 17:25:16	0%
Nippon India Small Cap Fund	5,500,000	0.17	76.92	5,500,000	2025-04-22 17:25:16	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	19.15	12.45	7.77	4.47	-13.45
Diluted EPS (Rs.)	19.15	12.45	7.77	4.47	-13.45
Cash EPS (Rs.)	19.13	13.42	8.71	5.83	-7.67
Book Value[Excl.RevalReserv]/Share (Rs.)	120.32	106.17	96.56	93.24	89.72
Book Value[Incl.RevalReserv]/Share (Rs.)	127.72	115.15	103.53	100.88	99.00
Operating Revenue / Share (Rs.)	131.49	118.75	99.83	108.18	109.50
Net Profit / Share (Rs.)	17.96	12.33	7.62	4.41	-8.88
Net Profit After MI / Share (Rs.)	18.07	12.45	7.70	4.47	-9.12
Net Profit Margin (%)	13.65	10.38	7.63	4.08	-8.11
Net Profit After MI And SOA Nargin (%)	13.74	10.48	7.71	4.13	-8.32
Operating Profit Margin (%)	-4.08	-9.22	-12.18	-15.97	-23.55
Return On Assets (%)	0.98	0.66	0.44	0.26	-0.56
Return On Equity / Networth (%)	15.02	11.72	7.97	4.79	-10.16
Net Interest Margin (X)	2.63	2.57	2.34	2.32	2.09
Cost To Income (%)	48.34	47.88	47.38	50.51	46.97
Interest Income / Total Assets (%)	7.15	6.29	5.71	6.40	6.74
Non-Interest Income / Total Assets (%)	1.27	1.23	1.13	1.28	1.04
Operating Profit / Total Assets (%)	-0.29	-0.58	-0.69	-1.02	-1.58
Operating Expenses / Total Assets (%)	1.89	1.82	1.65	1.82	1.47
Interest Expenses / Total Assets (%)	4.51	3.72	3.36	4.07	4.65
Enterprise Value (Rs.Cr.)	1315907.76	1158348.65	1066085.71	961609.75	494975.89
EV Per Net Sales (X)	13.11	14.27	15.62	13.87	13.21
Price To Book Value (X)	1.28	0.62	0.40	0.36	0.32
Price To Sales (X)	1.17	0.55	0.38	0.31	0.26
Retention Ratios (%)	80.08	75.91	75.33	100.00	100.00
Earnings Yield (X)	0.11	0.18	0.19	0.13	-0.31

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 24, the value is 19.15. This value is within the healthy range. It has increased from 12.45 (Mar 23) to 19.15, marking an increase of 6.70.
For Diluted EPS (Rs.), as of Mar 24, the value is 19.15. This value is within the healthy range. It has increased from 12.45 (Mar 23) to 19.15, marking an increase of 6.70.
For Cash EPS (Rs.), as of Mar 24, the value is 19.13. This value is within the healthy range. It has increased from 13.42 (Mar 23) to 19.13, marking an increase of 5.71.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 120.32. It has increased from 106.17 (Mar 23) to 120.32, marking an increase of 14.15.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 127.72. It has increased from 115.15 (Mar 23) to 127.72, marking an increase of 12.57.
For Net Profit / Share (Rs.), as of Mar 24, the value is 17.96. This value is within the healthy range. It has increased from 12.33 (Mar 23) to 17.96, marking an increase of 5.63.
For Net Profit Margin (%), as of Mar 24, the value is 13.65. This value exceeds the healthy maximum of 10. It has increased from 10.38 (Mar 23) to 13.65, marking an increase of 3.27.
For Return On Assets (%), as of Mar 24, the value is 0.98. This value is below the healthy minimum of 5. It has increased from 0.66 (Mar 23) to 0.98, marking an increase of 0.32.
For Retention Ratios (%), as of Mar 24, the value is 80.08. This value exceeds the healthy maximum of 70. It has increased from 75.91 (Mar 23) to 80.08, marking an increase of 4.17.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Union Bank of India as of May 3, 2025 is: 111.32

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of May 3, 2025, Union Bank of India is Overvalued by 11.65% compared to the current share price 126.00

Intrinsic Value of Union Bank of India as of May 3, 2025 is: 152.28

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of May 3, 2025, Union Bank of India is Undervalued by 20.86% compared to the current share price 126.00

Last 5 Year EPS CAGR: 36.79%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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:
1. Net Profit Margin: 13.65%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 6.09%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.63%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 5.9 (Industry average Stock P/E: 10.13)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Union Bank of India is a Public Limited Listed company incorporated on 11/11/1919 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is U99999MH1919PTC000615 and registration number is 000615. Currently company belongs to the Industry of Finance - Banks - Public Sector. Company's Total Operating Revenue is Rs. 99777.96 Cr. and Equity Capital is Rs. 7633.61 Cr. for the Year ended 31/03/2024.

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
Ms. A Manimekhalai	Managing Director & CEO
Mr. S Ramasubramanian	Executive Director
Mr. Nitesh Ranjan	Executive Director
Mr. Sanjay Rudra	Executive Director
Mr. Pankaj Dwivedi	Executive Director
Dr. Jayadev Madugula	Shareholder Director
Mrs. Priti Jay Rao	Shareholder Director
Mr. Laxman S Uppar	Part Time Non Official Director
Mr. Suraj Srivastava	Part Time Non Official 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 03 May 2025) is ₹111.32 — 11.65% lower the current market price of 126.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 96,351 Cr. market cap, FY2025-2026 high/low of ₹172/101, reserves of 99,930 Cr, and liabilities of 1,424,200 Cr.

What is the Market Cap of Union Bank of India?

The Market Cap of Union Bank of India is 96,351 Cr..

What is the current Stock Price of Union Bank of India as on 03 May 2025?

The current stock price of Union Bank of India as on 03 May 2025 is 126.

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 ₹172/101.

What is the Stock P/E of Union Bank of India?

The Stock P/E of Union Bank of India is 5.90.

What is the Book Value of Union Bank of India?

The Book Value of Union Bank of India is 147.

What is the Dividend Yield of Union Bank of India?

The Dividend Yield of Union Bank of India is 2.85 %.

What is the ROCE of Union Bank of India?

The ROCE of Union Bank of India is 6.55 %.

What is the ROE of Union Bank of India?

The ROE of Union Bank of India is 15.6 %.

What is the Face Value of Union Bank of India?

The Face Value of Union Bank of India is 10.0.