Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:47 am
| PEG Ratio | 0.24 |
|---|
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, focusing on providing a range of financial services. As of the latest reporting, the bank’s stock price stood at ₹153, with a market capitalization of ₹1,16,886 Cr and a P/E ratio of 6.32. Revenue trends indicate a robust growth trajectory, with total revenue reported at ₹81,163 Cr for FY 2023, a significant increase from ₹68,230 Cr in FY 2022. The bank’s revenue continued to rise, reaching ₹100,376 Cr for FY 2024 and projected at ₹108,417 Cr for FY 2025. Quarterly performance highlights this growth, with revenue climbing from ₹18,256 Cr in Jun 2022 to ₹24,732 Cr in Sep 2023. This upward trend reflects the bank’s ability to capture market share and enhance its operational capabilities amidst a competitive landscape.
Profitability and Efficiency Metrics
Union Bank of India showcased commendable profitability metrics, with a reported net profit of ₹18,488 Cr for FY 2025, up from ₹8,512 Cr in FY 2023. The bank’s net profit margin improved to 16.52% in FY 2025, indicating enhanced operational efficiency and cost management. The return on equity (ROE) stood at 17.0%, while the return on capital employed (ROCE) was reported at 6.72%. The bank’s interest income for FY 2025 rose to ₹70,733 Cr, contributing to its profitability. However, the financial profit margin fluctuated, with negative figures in prior years transitioning to a positive margin of 5% in FY 2024. This indicates a turnaround in the bank’s operational efficiency, although the cost-to-income ratio of 47.33% remains a key area for improvement compared to sector norms.
Balance Sheet Strength and Financial Ratios
Union Bank of India’s balance sheet reflects resilience with key financial ratios indicating stability. The bank’s borrowings and reserves data are not disclosed, but the reported P/BV ratio is not available. The enterprise value stood at ₹1,34,671.77 Cr, with an EV per net sales ratio of 12.42x, suggesting that the market values the bank favorably relative to its sales. The bank’s net interest margin was reported at 2.49, reflecting the effectiveness of its lending strategies. Additionally, the book value per share increased to ₹141.83, up from ₹120.32 in the previous year, indicating strengthening shareholder equity. However, the absence of gross and net NPA percentages limits the assessment of asset quality, which is critical in the banking sector.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Union Bank of India indicates a strong promoter presence, with 74.76% ownership as of Mar 2025. Foreign institutional investors (FIIs) accounted for 7.86%, while domestic institutional investors (DIIs) held 11.70%. The public shareholding was recorded at 5.67%, reflecting a stable investor base. The number of shareholders increased from 7,80,208 in Dec 2022 to 9,55,839 by Jun 2025, highlighting growing investor interest. This pattern suggests confidence in the bank’s future prospects, supported by its strong financial performance and strategic initiatives. However, the declining promoter shareholding from 83.49% in Dec 2022 to 74.76% could raise concerns among investors regarding long-term commitment.
Outlook, Risks, and Final Insight
Looking ahead, Union Bank of India is positioned to capitalize on its growth trajectory, supported by strong revenue and profitability metrics. However, potential risks include fluctuations in interest rates, which may impact profitability, and the need for improved asset quality metrics. Additionally, maintaining operational efficiency is crucial as the cost-to-income ratio remains a focus area. The bank’s ability to navigate regulatory changes and competitive pressures will be pivotal. Should the bank continue its current performance, it stands to attract further investment and bolster its market position. Conversely, any deterioration in asset quality or failure to manage costs effectively could pose significant challenges.
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 | 1,16,565 Cr. | 153 | 159/101 | 6.30 | 165 | 3.11 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 38,747 Cr. | 30.9 | 52.0/26.8 | 15.4 | 25.9 | 1.26 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,01,278 Cr. | 976 | 999/680 | 11.5 | 617 | 1.62 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,581 Cr. | 125 | 126/85.5 | 8.43 | 124 | 2.32 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 21,400 Cr. | 30.2 | 56.3/25.2 | 18.5 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 150,551.46 Cr | 231.34 | 10.49 | 177.23 | 1.87% | 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: November 15, 2025, 4:13 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
No data available for the Balance Sheet data table.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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: 6.3 (Industry average Stock P/E: 10.49)
- 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 |