Share Price and Basic Stock Data
Last Updated: January 8, 2026, 8:23 am
| PEG Ratio | 0.27 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Union Bank of India operates within the public sector banking space, recently reporting a share price of ₹166 and a market capitalisation of ₹1,26,970 Cr. The bank’s revenue has demonstrated a steady upward trajectory, increasing from ₹19,778 Cr in September 2022 to ₹24,732 Cr by September 2023. This trend continued with revenues reaching ₹25,521 Cr in December 2023 and projected to maintain growth, with ₹26,510 Cr expected in March 2024. The bank’s total revenue for the trailing twelve months stood at ₹109,144 Cr, indicating robust operational performance. Additionally, the bank’s interest income surged from ₹11,384 Cr in September 2022 to ₹15,498 Cr by September 2023, showcasing the effectiveness of its lending strategies. Union Bank’s ability to increase its revenue amidst a competitive banking environment reflects its robust operational framework and market positioning.
Profitability and Efficiency Metrics
Union Bank of India reported a net profit of ₹18,488 Cr, translating into a price-to-earnings (P/E) ratio of 6.87, which is competitive compared to sector averages. The return on equity (ROE) stood at 17.0%, illustrating effective management of shareholders’ equity, while the return on capital employed (ROCE) was recorded at 6.72%. The bank’s net profit margin for FY 2025 was 16.52%, up from 10.38% in FY 2023, indicating improved cost management and operational efficiency. The financing profit margin, which had fluctuated in previous quarters, stabilised at 1% in June 2024. However, the bank’s operating profit margin remains unreported, indicating a potential area for improved transparency. Overall, the profitability metrics suggest that Union Bank is on a path of recovery and growth, demonstrating resilience in its operational metrics.
Balance Sheet Strength and Financial Ratios
Union Bank’s balance sheet reflects a solid financial foundation, with total assets amounting to ₹1,511,329 Cr as of March 2025. The bank reported total liabilities of ₹1,490,323 Cr, leading to a healthy capital adequacy ratio, although specific ratios were not disclosed. The reserves have significantly increased, standing at ₹118,157 Cr as of September 2025, compared to ₹71,969 Cr in March 2023, indicating a strong buffer against potential losses. The equity capital remained stable at ₹7,634 Cr in both March 2024 and March 2025, while borrowings increased from ₹26,974 Cr in March 2024 to ₹27,490 Cr in March 2025. Financial ratios such as the cost-to-income ratio at 47.33% suggest that the bank is managing its operational costs effectively relative to its income, although this remains a critical area for continued monitoring to ensure sustained profitability.
Shareholding Pattern and Investor Confidence
The shareholding structure of Union Bank of India indicates a strong promoter presence, with promoters holding 74.76% of the shares as of March 2025. This is a decrease from 83.49% in December 2022, suggesting an increase in public and institutional participation. Foreign institutional investors (FIIs) represented 7.86% of the total shareholding, up from 1.62% in December 2022, reflecting growing foreign interest in the bank. Domestic institutional investors (DIIs) held 11.70%, indicating a stable local institutional commitment. The number of shareholders rose significantly from 7,80,208 in December 2022 to 9,55,839 in September 2025, which highlights increasing retail interest. This diversified ownership base supports investor confidence and may facilitate greater market stability, although the reduction in promoter shareholding could raise concerns regarding management control.
Outlook, Risks, and Final Insight
Looking ahead, Union Bank of India faces both opportunities and challenges. With a strong revenue and profit growth trajectory, the bank is well-positioned to leverage its increasing market share in the public sector banking space. However, risks such as potential fluctuations in interest rates and economic uncertainties could impact profitability. Additionally, the bank must address its financing profit margin, which has shown volatility. Strengths include the solid growth in reserves and a healthy capital base, while risks are associated with the declining promoter shareholding and the need for operational efficiency improvements. In scenarios where economic conditions remain stable, the bank could further enhance its profitability; conversely, adverse economic conditions could hinder its growth momentum. Overall, Union Bank of India’s recovery trajectory appears promising, but vigilant management of identified risks will be essential for sustained success.
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 | 1,26,970 Cr. | 166 | 167/101 | 6.87 | 165 | 2.86 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 37,481 Cr. | 29.9 | 46.3/26.8 | 14.9 | 25.9 | 1.30 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,29,662 Cr. | 1,007 | 1,024/680 | 11.8 | 617 | 1.58 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,44,443 Cr. | 126 | 128/85.5 | 8.48 | 124 | 2.31 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 20,315 Cr. | 28.6 | 52.0/25.2 | 17.5 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 153,184.85 Cr | 232.58 | 10.34 | 177.23 | 1.84% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19,778 | 20,966 | 22,163 | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 27,135 | 27,869 | 27,475 | 26,665 |
| Interest | 11,384 | 12,242 | 13,810 | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,765 | 18,245 | 18,231 | 17,707 |
| Expenses | 9,598 | 8,817 | 10,041 | 7,978 | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 | 9,056 |
| Financing Profit | -1,204 | -93 | -1,688 | 971 | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 | -98 |
| Financing Margin % | -6% | -0% | -8% | 4% | 5% | 5% | 1% | 1% | 2% | 5% | -0% | 1% | -0% |
| Other Income | 3,697 | 3,669 | 5,601 | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 | 5,550 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,493 | 3,576 | 3,912 | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 | 5,453 |
| Tax % | 26% | 37% | 28% | 37% | 35% | 35% | 37% | 27% | 26% | 22% | 19% | 21% | 21% |
| Net Profit | 1,853 | 2,264 | 2,812 | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 | 4,426 |
| EPS in Rs | 2.71 | 3.31 | 4.11 | 4.79 | 4.82 | 4.89 | 4.36 | 4.77 | 6.22 | 6.06 | 6.56 | 5.80 | 5.80 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 28, 2025, 5:03 pm
Below is a detailed analysis of the quarterly data for Union Bank of India based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 17,707.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 18,231.00 Cr. (Jun 2025) to 17,707.00 Cr., marking a decrease of 524.00 Cr..
- For Expenses, as of Sep 2025, the value is 9,056.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,844.00 Cr. (Jun 2025) to 9,056.00 Cr., marking an increase of 212.00 Cr..
- For Other Income, as of Sep 2025, the value is 5,550.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,869.00 Cr. (Jun 2025) to 5,550.00 Cr., marking an increase of 681.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 5,453.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,269.00 Cr. (Jun 2025) to 5,453.00 Cr., marking an increase of 184.00 Cr..
- For Tax %, as of Sep 2025, the value is 21.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 21.00%.
- For Net Profit, as of Sep 2025, the value is 4,426.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,428.00 Cr. (Jun 2025) to 4,426.00 Cr., marking a decrease of 2.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 5.80. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 5.80.
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: 6.87 (Industry average Stock P/E: 10.34)
- 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 | Contact not found |
| 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 08 January 2026) is ₹158.57 which is 4.48% lower the current market price of ₹166.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,26,970 Cr. market cap, FY2025-2026 high/low of ₹167/101, 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 1,26,970 Cr..
What is the current Stock Price of Union Bank of India as on 08 January 2026?
The current stock price of Union Bank of India as on 08 January 2026 is ₹166.
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 ₹167/101.
What is the Stock P/E of Union Bank of India?
The Stock P/E of Union Bank of India is 6.87.
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 2.86 %.
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.