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Last Updated on: 16 September, 2025
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532477 | NSE: UNIONBANK

Union Bank of India: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: September 16, 2025, 1:41 am

Market Cap 1,02,802 Cr.
Current Price 135
High / Low 159/101
Stock P/E5.46
Book Value 149
Dividend Yield3.53 %
ROCE6.72 %
ROE17.0 %
Face Value 10.0
PEG Ratio0.21

Quick Insight

Union Bank of India, with a market capitalization of ₹1,02,802 Cr. and a price-to-earnings ratio of 5.46, appears attractively valued compared to its peers in the public sector banking space. The bank's return on equity (ROE) of 17.0% is commendable, reflecting efficient utilization of shareholder funds, although the return on capital employed (ROCE) at 6.72% indicates room for improvement in operational efficiency. The high promoter holding of 74.76% provides stability, but the relatively low institutional ownership by FIIs and DIIs at 7.70% and 11.93%, respectively, may raise concerns about external confidence in the bank.

Despite the healthy net profit of ₹18,027 Cr. and substantial reserves of ₹106,200 Cr., the lack of specific data on operating profit margin (OPM), borrowings, and other key financial metrics is a notable gap for investors assessing the bank's financial health. Going forward, Union Bank of India could strengthen its position by enhancing transparency in reporting and focusing on improving ROCE to drive profitability. Risks include the impact of regulatory changes, asset quality challenges, and broader economic conditions affecting the banking sector. Investors should closely monitor developments in the public sector banking space and the bank's efforts to boost operational efficiency to make informed investment decisions.

In a sector characterized by intense competition and regulatory scrutiny, Union Bank of India's valuation and profitability metrics position it as a potential value play for investors seeking exposure to the public sector banking segment. However, addressing operational efficiency and enhancing transparency will be crucial for the bank's long-term sustainability and investor confidence. By aligning strategic priorities with industry trends and regulatory requirements, Union Bank of India can navigate challenges and capitalize on growth opportunities in the dynamic Indian banking landscape.

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

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 1,02,802 Cr. 135 159/1015.46 1493.53 %6.72 %17.0 % 10.0
UCO Bank 36,753 Cr. 29.3 52.0/26.814.7 25.51.33 %5.76 %8.38 % 10.0
State Bank of India (SBI) 7,60,188 Cr. 824 876/6809.57 5831.93 %6.47 %17.2 % 1.00
Punjab National Bank 1,23,331 Cr. 107 116/85.57.42 1202.70 %6.32 %15.2 % 2.00
Punjab & Sind Bank 20,598 Cr. 29.0 57.9/25.218.7 19.20.24 %5.98 %7.03 % 10.0
Industry Average128,438.85 Cr193.569.96167.052.16%6.22%14.34%7.46

All Competitor Stocks of Union Bank of India

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Revenue18,25619,77820,96622,16323,61324,73225,52126,51026,52726,88727,13527,86927,475
Interest 10,59811,38412,24213,81014,66415,49816,23616,96617,00417,72017,76518,24518,231
Expenses 8,4429,5988,81710,0417,9787,9628,0129,3659,3678,6868,0969,6738,844
Financing Profit-784-1,204-93-1,6889711,2711,2731791564801,274-49400
Financing Margin %-4%-6%-0%-8%4%5%5%1%1%2%5%-0%1%
Other Income 2,9483,6973,6695,6014,2094,2214,2815,1024,7995,9264,6146,2234,869
Depreciation 0000000000000
Profit before tax 2,1652,4933,5763,9125,1805,4925,5545,2814,9546,4065,8896,1755,269
Tax % 28%26%37%28%37%35%35%37%27%26%22%19%21%
Net Profit 1,5831,8532,2642,8123,2723,5723,6253,3283,6424,7514,6235,0114,428
EPS in Rs 2.322.713.314.114.794.824.894.364.776.226.066.565.80
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.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: July 22, 2025, 2:48 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue29,39432,16432,31632,81732,95234,31437,47969,31168,23081,163100,376108,417109,365
Interest 21,46723,64023,89423,77623,47123,89625,83744,11240,17848,03363,36470,73371,960
Expenses 8,8299,49810,34913,87121,18119,01921,16636,27032,26436,15532,42234,73835,299
Financing Profit-902-973-1,928-4,830-11,700-8,601-9,523-11,071-4,213-3,0244,5902,9462,106
Financing Margin %-3%-3%-6%-15%-36%-25%-25%-16%-6%-4%5%3%2%
Other Income 3,1413,9573,9345,4305,4625,0425,78914,30713,52415,91517,81321,56221,632
Depreciation 1982252492413683744179087457458961,0840
Profit before tax 2,0402,7591,758359-6,607-3,933-4,1512,3278,56612,14721,50723,42423,738
Tax % 18%36%24%-58%-21%-25%-27%-22%39%31%36%23%
Net Profit 1,6871,7711,347573-5,212-2,922-3,1212,8635,2658,51213,79718,02718,813
EPS in Rs 26.5927.6919.738.33-44.61-16.58-9.124.477.7012.4518.0723.6224.64
Dividend Payout % 15%22%10%0%0%0%0%0%25%24%20%20%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: July 25, 2025, 2:09 pm

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 6306366876871,1691,7633,4236,4076,8356,8357,6347,634
Reserves 18,00419,26322,36123,40624,08325,07330,56758,33164,02671,96989,964106,200
Deposits306,191325,990344,118377,195410,288417,505452,436925,6541,034,3681,120,3221,224,5931,312,291
Borrowing20,88826,62830,63741,22645,68043,27652,71451,92251,24542,73726,97427,490
Other Liabilities 9,30011,0489,56213,1679,90010,96416,36940,06337,29246,49552,83157,714
Total Liabilities 355,013383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,3571,401,9961,511,329
Fixed Assets 2,6212,6903,9393,8963,8243,7434,7347,3037,1718,8269,2249,765
CWIP 2413213444546337223659
Investments 94,63685,81890,573113,441125,485128,391154,251339,059351,839343,727343,953361,903
Other Assets 257,753295,053312,840338,322361,777366,402396,470735,952834,718935,7821,048,7831,139,602
Total Assets 355,013383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,3571,401,9961,511,329

Below is a detailed analysis of the balance sheet data for Union Bank of India based on the most recent figures (Mar 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Mar 2025, the value is 7,634.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 7,634.00 Cr..
  • For Reserves, as of Mar 2025, the value is 106,200.00 Cr.. The value appears strong and on an upward trend. It has increased from 89,964.00 Cr. (Mar 2024) to 106,200.00 Cr., marking an increase of 16,236.00 Cr..
  • For Other Liabilities, as of Mar 2025, the value is 57,714.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 52,831.00 Cr. (Mar 2024) to 57,714.00 Cr., marking an increase of 4,883.00 Cr..
  • For Total Liabilities, as of Mar 2025, the value is 1,511,329.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,401,996.00 Cr. (Mar 2024) to 1,511,329.00 Cr., marking an increase of 109,333.00 Cr..
  • For Fixed Assets, as of Mar 2025, the value is 9,765.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,224.00 Cr. (Mar 2024) to 9,765.00 Cr., marking an increase of 541.00 Cr..
  • For CWIP, as of Mar 2025, the value is 59.00 Cr.. The value appears strong and on an upward trend. It has increased from 36.00 Cr. (Mar 2024) to 59.00 Cr., marking an increase of 23.00 Cr..
  • For Investments, as of Mar 2025, the value is 361,903.00 Cr.. The value appears strong and on an upward trend. It has increased from 343,953.00 Cr. (Mar 2024) to 361,903.00 Cr., marking an increase of 17,950.00 Cr..
  • For Other Assets, as of Mar 2025, the value is 1,139,602.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,048,783.00 Cr. (Mar 2024) to 1,139,602.00 Cr., marking an increase of 90,819.00 Cr..
  • For Total Assets, as of Mar 2025, the value is 1,511,329.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,401,996.00 Cr. (Mar 2024) to 1,511,329.00 Cr., marking an increase of 109,333.00 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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +2,570-3,56781-6,6246,097-7,778-7720,52736,3396,05619,93017,479
Cash from Investing Activity +-363-318-9-280-315-297-4-601-558-2,561-1,394-1,891
Cash from Financing Activity +4,9023,168-210,19410,7921,758201-18,861-786-10,654-11,489-3,550
Net Cash Flow7,109-718703,28916,574-6,3171211,06634,995-7,1597,04712,038

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-298.00-316.00-334.00-364.00-389.00-398.00-431.00-889.0031.0035.0031.0033.00

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE %9%9%6%2%-21%-11%-10%6%8%11%16%17%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters83.49%83.49%83.49%83.49%76.99%76.99%74.76%74.76%74.76%74.76%74.76%74.76%
FIIs1.43%1.62%1.66%1.46%2.89%3.97%6.75%7.37%6.89%6.46%7.11%7.70%
DIIs7.05%8.39%8.27%7.88%12.69%12.28%12.24%11.38%11.22%11.94%11.63%11.93%
Public8.02%6.49%6.57%7.17%7.42%6.76%6.25%6.50%7.12%6.85%6.50%5.60%
No. of Shareholders7,81,5547,80,2087,83,5507,75,7738,65,2518,74,3099,14,9409,84,22910,19,06110,22,30010,41,2119,61,173

Shareholding Pattern Chart

No. of Shareholders

Union Bank of India: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan 95,552,641 2.26 1336.395,552,6412025-04-22 13:31:130%
Nippon India Growth Fund 19,400,000 1.11 271.3119,400,0002025-04-22 17:25:160%
Nippon India ETF Nifty PSU Bank BeES 14,372,566 9.18 20114,372,5662025-04-22 17:25:160%
Nippon India Large Cap Fund 13,902,366 0.91 194.4213,902,3662025-04-22 13:03:410%
Nippon India ELSS Tax Saver Fund 8,930,000 0.88 124.898,930,0002025-04-22 17:25:160%
Kotak Nifty PSU Bank ETF 8,928,108 9.18 124.868,928,1082025-04-22 17:25:160%
Sundaram Mid Cap Fund 8,415,503 1.16 117.698,415,5032025-04-22 17:25:160%
Sundaram Mid Cap Fund - Institutional Plan 8,415,503 1.16 117.698,415,5032025-04-22 17:25:160%
Aditya Birla Sun Life Multi-Cap Fund 6,438,209 1.79 90.046,438,2092025-04-22 17:25:160%
Nippon India Small Cap Fund 5,500,000 0.17 76.925,500,0002025-04-22 17:25:160%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.) 23.6219.1512.457.774.47
Diluted EPS (Rs.) 23.6219.1512.457.774.47
Cash EPS (Rs.) 23.4819.1313.428.715.83
Book Value[Excl.RevalReserv]/Share (Rs.) 148.99120.32106.1796.5693.24
Book Value[Incl.RevalReserv]/Share (Rs.) 148.99127.72115.15103.53100.88
Operating Revenue / Share (Rs.)142.03131.49118.7599.83108.18
Net Profit / Share (Rs.) 23.4817.9612.337.624.41
Net Profit After MI / Share (Rs.)23.6118.0712.457.704.47
Net Profit Margin (%) 16.5213.6510.387.634.08
Net Profit After MI And SOA Nargin (%)16.6213.7410.487.714.13
Operating Profit Margin (%)30.2425.0017.1812.527.23
Return On Assets (%) 1.190.980.660.440.26
Return On Equity / Networth (%)15.8515.0211.727.974.79
Net Interest Margin (X)2.492.632.572.342.32
Cost To Income (%)31.7948.3447.8847.3850.51
Interest Income / Total Assets (%)7.177.156.295.716.40
Non-Interest Income / Total Assets (%)1.421.271.231.131.28
Operating Profit / Total Assets (%)-0.24-0.29-0.58-0.69-1.02
Operating Expenses / Total Assets (%)1.851.891.821.651.82
Interest Expenses / Total Assets (%)4.684.513.723.364.07
Enterprise Value (Rs.Cr.)1346712.821315907.761158348.651066085.71961609.75
EV Per Net Sales (X)12.4213.1114.2715.6213.87
Price To Book Value (X)0.841.280.620.400.36
Price To Sales (X)0.881.170.550.380.31
Retention Ratios (%) 100.0080.0875.9175.33100.00
Earnings Yield (X)0.180.110.180.190.13

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 23.48. This value is within the healthy range. It has increased from 19.13 (Mar 24) to 23.48, marking an increase of 4.35.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 148.99. It has increased from 120.32 (Mar 24) to 148.99, marking an increase of 28.67.
  • 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 100.00. This value exceeds the healthy maximum of 70. It has increased from 80.08 (Mar 24) to 100.00, marking an increase of 19.92.

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 September 16, 2025 is: 114.55

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 September 16, 2025, Union Bank of India is Overvalued by 15.15% compared to the current share price 135.00

Intrinsic Value of Union Bank of India as of September 16, 2025 is: 144.55

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 September 16, 2025, Union Bank of India is Undervalued by 7.07% compared to the current share price 135.00

Last 5 Year EPS CAGR: 26.19%

*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: 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.
    2. 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.
    3. 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.
    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: 5.46 (Industry average Stock P/E: 9.96)
      • 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. 107725.97 Cr. and Equity Capital is Rs. 7633.61 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Banks - Public SectorUnion Bank Bhavan, Mumbai Maharashtra 400021investorservices@unionbankofindia.bank
http://www.unionbankofindia.co.in
Management
NamePosition Held
Mr. Srinivasan VaradarajanNon Executive Chairman
Mr. S RamasubramanianExecutive Director
Mr. Nitesh RanjanExecutive Director
Mr. Sanjay RudraExecutive Director
Mr. Suraj SrivastavaPart Time Non Official Director
Mrs. Priti Jay RaoShareholder Director
Mr. Prakash Chandra KandpalShareholder Director
Mr. Sameer ShuklaGovernment Nominee Director
Mr. Prakash BaliarsinghNominee Director

FAQ

What is the intrinsic value of Union Bank of India?

Union Bank of India's intrinsic value (as of 15 September 2025) is 114.55 which is 15.15% lower the current market price of 135.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,02,802 Cr. market cap, FY2025-2026 high/low of 159/101, reserves of ₹106,200 Cr, and liabilities of 1,511,329 Cr.

What is the Market Cap of Union Bank of India?

The Market Cap of Union Bank of India is 1,02,802 Cr..

What is the current Stock Price of Union Bank of India as on 15 September 2025?

The current stock price of Union Bank of India as on 15 September 2025 is 135.

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 159/101.

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

The Stock P/E of Union Bank of India is 5.46.

What is the Book Value of Union Bank of India?

The Book Value of Union Bank of India is 149.

What is the Dividend Yield of Union Bank of India?

The Dividend Yield of Union Bank of India is 3.53 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Union Bank of India. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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