Share Price and Basic Stock Data
Last Updated: October 18, 2025, 7:01 pm
| PEG Ratio | 0.21 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Union Bank of India, a prominent player in the public sector banking industry, reported a robust revenue of ₹81,163 Cr for the fiscal year ending March 2023, reflecting a substantial growth trajectory from ₹68,230 Cr in the previous year. This upward trend continued into the current fiscal year, with revenues rising to ₹100,376 Cr for March 2024 and further to ₹108,417 Cr for March 2025, indicating a consistent demand for banking services. The quarterly revenue figures also demonstrate this growth, with the latest reported revenue for September 2023 standing at ₹24,732 Cr, which further increased to ₹25,521 Cr in December 2023. The bank’s ability to generate revenue has been supported by an increase in interest income, which reached ₹48,033 Cr in March 2023 and is anticipated to rise to ₹70,733 Cr by March 2025. Overall, Union Bank’s revenue trends highlight a strong operational performance, positioning it well within the competitive landscape of Indian banking.
Profitability and Efficiency Metrics
Union Bank of India reported a net profit of ₹18,027 Cr for the fiscal year ending March 2025, a significant increase from ₹8,512 Cr in March 2023. This growth in profitability is underpinned by a net profit margin of 16.52% for March 2025, which is notably higher than the previous year’s margin of 10.38%. The bank’s earnings per share (EPS) also reflected this positive trend, rising to ₹23.62 in March 2025 from ₹12.45 in March 2023. The return on equity (ROE) stood at a robust 17.0% for March 2025, demonstrating effective management of shareholder equity. However, while the bank’s financing margin improved to 3% in March 2025 from -4% in March 2023, the financing profit remained variable, indicating potential efficiency challenges. Overall, the profitability metrics signify a positive operational outcome, but the bank must continue refining its efficiency to maintain this momentum.
Balance Sheet Strength and Financial Ratios
Union Bank of India reported total assets of ₹1,511,329 Cr for the fiscal year ending March 2025, reflecting a solid growth trajectory from ₹1,288,357 Cr in March 2023. The bank’s reserves also increased significantly to ₹106,200 Cr, showcasing its ability to strengthen its capital base. The bank’s borrowing stood at ₹27,490 Cr, down from ₹42,737 Cr in March 2023, indicating improved liquidity management. The debt-to-equity ratio appears favorable, reinforcing balance sheet stability. Additionally, the cost-to-income ratio improved to 31.79% in March 2025, a marked improvement from 47.88% in March 2023. This ratio positions Union Bank competitively against industry norms, suggesting effective cost control measures. However, the absence of reported metrics for gross and net non-performing assets (NPAs) raises concerns regarding asset quality, necessitating close monitoring of any potential risks in the future.
Shareholding Pattern and Investor Confidence
As of March 2025, Union Bank of India reported a promoter holding of 74.76%, indicating strong control by the founding entities. The foreign institutional investors (FIIs) have increased their stake to 7.11%, while domestic institutional investors (DIIs) held 11.63% of the total shares, reflecting a stable investor interest. The public shareholding has seen a decline to 6.50% by March 2025, which could indicate shifting investor confidence or strategic repositioning among stakeholders. The number of shareholders increased to 10,41,211, suggesting a growing interest in the bank among retail investors. This increase in shareholder count, coupled with the rising institutional participation, indicates a positive sentiment towards Union Bank’s growth prospects. However, the fluctuating public shareholding may raise questions about retail investor confidence, which the bank should address through enhanced communication and performance transparency.
Outlook, Risks, and Final Insight
If margins sustain their upward trajectory, Union Bank of India could leverage its improving profitability to further enhance shareholder value and market competitiveness. The bank’s strong revenue growth, coupled with improved efficiency metrics, positions it favorably in the banking sector. However, potential risks such as fluctuations in asset quality, particularly with NPAs remaining unreported, could pose challenges. Additionally, maintaining a balance between growth and cost management will be crucial for sustaining profitability. If the bank can effectively navigate these risks while capitalizing on its strengths, it may continue to enhance its market position. The focus on increasing operational efficiency and maintaining a robust balance sheet will be pivotal in achieving long-term growth and stability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 1,04,344 Cr. | 137 | 159/101 | 5.55 | 149 | 3.48 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,735 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,20,740 Cr. | 889 | 895/680 | 10.3 | 583 | 1.79 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,30,675 Cr. | 114 | 118/85.5 | 7.67 | 124 | 2.55 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,003 Cr. | 29.6 | 56.3/25.2 | 18.1 | 19.2 | 0.24 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 136,790.31 Cr | 209.15 | 9.80 | 171.77 | 2.04% | 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: July 22, 2025, 2:48 pm
| 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 | 109,365 |
| 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 | 71,960 |
| 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 | 35,299 |
| Financing Profit | -902 | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 2,946 | 2,106 |
| Financing Margin % | -3% | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -4% | 5% | 3% | 2% |
| 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 | 21,632 |
| 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 | 23,738 |
| 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 | 18,813 |
| 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 | 24.64 |
| 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: July 25, 2025, 2:09 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 630 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 | 7,634 | 7,634 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| CWIP | 2 | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 | 22 | 36 | 59 |
| 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 |
| 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 |
| 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 |
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.
Cash Flow - No data available for this post.
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 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% |
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
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:
- 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: 5.55 (Industry average Stock P/E: 9.8)
- 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 October 2025) is 116.38 which is 15.05% lower the current market price of 137.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,04,344 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 1,04,344 Cr..
What is the current Stock Price of Union Bank of India as on 19 October 2025?
The current stock price of Union Bank of India as on 19 October 2025 is 137.
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 5.55.
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 3.48 %.
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.