Share Price and Basic Stock Data
Last Updated: January 28, 2026, 9:39 pm
| PEG Ratio | 0.28 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Union Bank of India, a prominent player in the public sector banking space, reported a share price of ₹172 and a market capitalization of ₹1,31,792 Cr. The bank’s revenue trajectory has shown consistent growth, rising from ₹19,778 Cr in September 2022 to ₹24,732 Cr in September 2023. This upward trend is expected to continue, with revenue reaching ₹25,521 Cr by December 2023 and projected to peak at ₹26,510 Cr in March 2024. The bank’s performance over the years indicates a recovery from previous financial challenges, with total revenue increasing from ₹68,230 Cr in FY 2022 to ₹81,163 Cr in FY 2023, and is anticipated to surpass ₹100,000 Cr in FY 2024. This growth is attributed to effective management strategies and an expanding customer base. The bank’s diverse income streams, including interest and other income, have contributed to overall revenue stability, reinforcing its position in the competitive banking landscape.
Profitability and Efficiency Metrics
Union Bank of India reported a net profit of ₹18,488 Cr, reflecting a solid performance with a return on equity (ROE) of 17.0%. This indicates effective utilization of shareholders’ funds. The net profit margin stood at 16.52% for FY 2025, showcasing improved profitability compared to previous years. The bank has also made strides in managing its financing margin, which improved to 5% in December 2023, up from negative margins in prior years. However, operating profit margins (OPM) are not available, which makes it challenging to assess operational efficiency fully. The cost-to-income ratio improved to 47.33%, indicating better expense management relative to income generation. These metrics suggest a positive trend in profitability, positioning the bank favorably against industry averages, and demonstrating resilience in a challenging economic environment.
Balance Sheet Strength and Financial Ratios
Union Bank of India has shown a robust balance sheet, with total assets reported at ₹1,511,329 Cr and total liabilities at ₹1,490,323 Cr. The bank’s reserves have significantly increased to ₹118,157 Cr, providing a strong cushion against potential financial shocks. Additionally, the bank’s equity capital stood at ₹7,634 Cr, supporting its capital adequacy. The price-to-earnings ratio (P/E) of 6.96 suggests that the stock is relatively undervalued compared to sector norms, which typically range higher. The bank’s net interest margin of 2.49x indicates effective interest income generation, although it has seen a decline from previous years. Furthermore, the return on assets (ROA) is at 1.19%, reflecting efficient asset utilization. These financial ratios highlight the bank’s capacity to sustain its operations and growth while maintaining a strong capital position.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Union Bank of India reveals a strong promoter presence at 74.76%, ensuring stability in decision-making. Foreign institutional investors (FIIs) hold 7.86%, while domestic institutional investors (DIIs) account for 11.70%, indicating a healthy interest from both domestic and international investors. The number of shareholders has increased from 7,80,208 in December 2022 to 9,55,839 by September 2025, reflecting growing investor confidence. However, the decline in promoter shareholding from 83.49% in December 2022 to 74.76% in March 2024 raises concerns about potential dilution of control. This pattern suggests a shift towards broader institutional participation, which can enhance governance but may also lead to volatility in stock performance. Overall, the diverse shareholding structure indicates a balanced investment interest, which is crucial for the bank’s future growth and stability.
Outlook, Risks, and Final Insight
The outlook for Union Bank of India appears positive, given its strong revenue growth and improving profitability metrics. However, risks remain, particularly related to asset quality, as gross and net NPA percentages are not reported, creating uncertainty regarding credit risk management. Additionally, the bank’s reliance on interest income, which constitutes a significant portion of its revenue, makes it vulnerable to fluctuations in interest rates and economic conditions. On the other hand, the substantial increase in reserves and a strong capital base position the bank well to navigate potential challenges. The ongoing digital transformation initiatives and expansion of service offerings may further enhance its competitive edge. Overall, while the bank has made significant strides, maintaining asset quality and adapting to market dynamics will be critical for sustaining growth and shareholder value.
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 | 1,38,609 Cr. | 182 | 183/107 | 7.32 | 172 | 2.61 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,400 Cr. | 29.1 | 44.2/26.8 | 13.9 | 26.5 | 1.34 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 9,81,909 Cr. | 1,064 | 1,066/680 | 12.5 | 617 | 1.50 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,43,145 Cr. | 124 | 135/85.5 | 8.05 | 130 | 2.33 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,626 Cr. | 27.6 | 50.5/25.2 | 16.2 | 19.6 | 0.25 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 159,789.46 Cr | 245.64 | 10.14 | 180.98 | 1.81% | 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 | 1489.72 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 22,000,000 | 0.8 | 338.27 | N/A | N/A | N/A |
| ICICI Prudential Large Cap Fund | 12,445,203 | 0.24 | 191.36 | 14,945,203 | 2025-12-15 01:15:51 | -16.73% |
| Axis Small Cap Fund | 10,743,897 | 0.62 | 165.2 | N/A | N/A | N/A |
| Mahindra Manulife Mid Cap Fund | 6,200,000 | 2.22 | 95.33 | N/A | N/A | N/A |
| Kotak Equity Savings Fund | 6,000,000 | 0.96 | 92.26 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 5,115,879 | 0.12 | 78.66 | 9,861,558 | 2025-12-15 01:15:51 | -48.12% |
| Nippon India ELSS Tax Saver Fund | 5,000,000 | 0.5 | 76.88 | 6,000,000 | 2026-01-26 01:34:36 | -16.67% |
| Tata Arbitrage Fund | 3,597,525 | 0.28 | 55.32 | 3,491,325 | 2026-01-26 01:34:36 | 3.04% |
| 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: 7.32 (Industry average Stock P/E: 10.14)
- 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 28 January 2026) is ₹220.96 which is 21.41% higher the current market price of ₹182.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,38,609 Cr. market cap, FY2025-2026 high/low of ₹183/107, 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 1,38,609 Cr..
What is the current Stock Price of Union Bank of India as on 28 January 2026?
The current stock price of Union Bank of India as on 28 January 2026 is ₹182.
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 ₹183/107.
What is the Stock P/E of Union Bank of India?
The Stock P/E of Union Bank of India is 7.32.
What is the Book Value of Union Bank of India?
The Book Value of Union Bank of India is 172.
What is the Dividend Yield of Union Bank of India?
The Dividend Yield of Union Bank of India is 2.61 %.
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.