Share Price and Basic Stock Data
Last Updated: November 8, 2025, 4:20 am
| PEG Ratio | 0.24 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Union Bank of India, a prominent player in the Indian public sector banking space, reported a stock price of ₹147 and a market capitalization of ₹1,12,290 Cr. The bank’s revenue trajectory has shown robust growth, with total revenue rising from ₹68,230 Cr in FY 2022 to ₹81,163 Cr in FY 2023, and further projected at ₹100,376 Cr for FY 2024. The quarterly revenue figures reflect this upward trend, with Q1 FY 2025 revenue reported at ₹26,510 Cr, indicating a steady increase from ₹22,163 Cr in Q4 FY 2023. This consistent performance underscores the bank’s ability to enhance its operational scale, with a TTM revenue of ₹109,365 Cr, showcasing strong demand for banking services. The increasing revenue is supported by a rise in interest income, which stood at ₹48,033 Cr for FY 2023 and is expected to reach ₹70,733 Cr by FY 2025, indicating effective asset utilization and market expansion.
Profitability and Efficiency Metrics
Profitability metrics for Union Bank of India highlight significant improvements, with net profit recorded at ₹18,813 Cr for FY 2025, up from ₹8,512 Cr in FY 2023. The bank’s Earnings Per Share (EPS) rose to ₹23.62 in FY 2025, reflecting a strong recovery from the previous years. The Return on Equity (ROE) also demonstrated a positive trend, increasing to 17.0% for FY 2025, compared to 11.0% in FY 2023. However, the Return on Capital Employed (ROCE) remained lower at 6.72%, indicating potential areas for operational improvement. The bank’s net profit margin improved to 16.52% in FY 2025, up from 10.38% in FY 2023, indicating enhanced cost management and operational efficiency. Furthermore, the reported financing profit margin turned positive, achieving 3% in FY 2025, a notable turnaround from previous losses, suggesting improved interest rate management and loan recovery processes.
Balance Sheet Strength and Financial Ratios
Union Bank of India’s balance sheet reflects a solid financial position, with total assets reported at ₹1,511,329 Cr for FY 2025, up from ₹1,288,357 Cr in FY 2023. The bank’s total liabilities also increased correspondingly, standing at ₹1,511,329 Cr, highlighting a balanced growth in both assets and liabilities. Reserves reached ₹106,200 Cr, indicating a strong buffer against potential losses, and supporting future growth initiatives. The bank’s equity capital remained stable at ₹7,634 Cr, while borrowings slightly increased to ₹27,490 Cr, demonstrating prudent management of leverage. Financial ratios show a cost-to-income ratio of 47.33% for FY 2025, which is competitive compared to sector norms, suggesting effective cost management. Furthermore, the bank’s Price-to-Book Value (P/BV) ratio stood at 0.88, indicating that the stock is trading at a discount, which could attract value-seeking investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Union Bank of India illustrates a stable yet evolving investor landscape. Promoters hold a significant 74.76% stake, a decline from 83.49% in previous quarters, suggesting a dilution of control but potentially increased market participation. Foreign Institutional Investors (FIIs) have increased their holdings to 7.70%, reflecting growing confidence among international investors. Domestic Institutional Investors (DIIs) also maintained a substantial presence with 11.93% of shares, indicating strong institutional backing. The public shareholding decreased to 5.60%, which may raise concerns regarding liquidity. The number of shareholders rose to 9,61,173, demonstrating increasing retail participation. This diverse ownership structure could lead to enhanced governance and operational transparency, fostering greater investor confidence in the bank’s future growth prospects.
Outlook, Risks, and Final Insight
Union Bank of India is poised for continued growth, supported by strong revenue and profitability trends. However, risks remain, including potential asset quality deterioration given the current economic environment, which could impact net profit margins. The bank’s reliance on interest income poses a risk if interest rates fluctuate significantly. Additionally, managing operational efficiency will be crucial to maintaining competitive financial ratios. On the upside, if the bank successfully implements its strategic initiatives, it could further enhance its market position and profitability. An expanding loan book and improving asset quality could lead to greater earnings, while maintaining a focus on cost management will be essential. Overall, Union Bank of India’s solid fundamentals and improving financial metrics position it well for sustainable growth, although vigilance against economic headwinds is necessary for maintaining its upward trajectory.
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 | 1,17,023 Cr. | 153 | 159/101 | 6.33 | 165 | 3.10 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 40,779 Cr. | 32.5 | 52.0/26.8 | 16.2 | 25.9 | 1.20 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 8,82,309 Cr. | 956 | 971/680 | 11.2 | 617 | 1.66 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,40,651 Cr. | 122 | 124/85.5 | 8.26 | 124 | 2.37 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 22,003 Cr. | 31.0 | 56.3/25.2 | 19.0 | 19.2 | 0.23 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 148,362.62 Cr | 229.36 | 10.52 | 177.23 | 1.89% | 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: 6.33 (Industry average Stock P/E: 10.52)
- 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 08 November 2025) is 146.45 which is 4.28% lower the current market price of 153.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,17,023 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 1,17,023 Cr..
What is the current Stock Price of Union Bank of India as on 08 November 2025?
The current stock price of Union Bank of India as on 08 November 2025 is 153.
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 6.33.
What is the Book Value of Union Bank of India?
The Book Value of Union Bank of India is 165.
What is the Dividend Yield of Union Bank of India?
The Dividend Yield of Union Bank of India is 3.10 %.
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.