Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:35 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, operating within the public sector banking space, reported a stock price of ₹180 and a market capitalization of ₹1,37,664 Cr. The bank’s revenue trajectory has shown a steady upward trend, with total revenue for March 2023 recorded at ₹81,163 Cr, increasing to ₹100,376 Cr by March 2024, and further rising to ₹108,417 Cr in March 2025. Quarterly revenue figures also reflect this growth, with revenue standing at ₹24,732 Cr for September 2023 and reaching ₹25,521 Cr by December 2023. This consistent revenue growth indicates the bank’s effective strategies in enhancing its operational capabilities. The increasing interest income, reported at ₹48,033 Cr in March 2023 and projected to rise to ₹70,733 Cr by March 2025, underscores the bank’s focus on expanding its lending portfolio, which is crucial for sustaining growth in a competitive banking sector.
Profitability and Efficiency Metrics
Union Bank of India has demonstrated notable improvements in profitability metrics over the recent fiscal years. The net profit for March 2023 stood at ₹8,512 Cr, which rose significantly to ₹18,027 Cr by March 2025, reflecting a robust growth trajectory. The earnings per share (EPS) also saw an upward movement, reported at ₹12.45 in March 2023 and reaching ₹23.62 by March 2025. The return on equity (ROE) reported a commendable figure of 17.0% in the latest quarter, showcasing effective management of shareholders’ equity. The net profit margin improved to 16.52% in March 2025, indicating the bank’s efficiency in converting revenue into actual profit. However, the cost-to-income ratio remains at 47.33%, suggesting room for improvement in operational efficiency to enhance profitability further.
Balance Sheet Strength and Financial Ratios
The balance sheet of Union Bank of India shows significant strength, with total assets reported at ₹1,511,329 Cr as of March 2025. Reserves have notably increased to ₹106,200 Cr, reflecting a solid capital base that supports future growth initiatives. The bank’s equity capital has remained stable at ₹7,634 Cr, while borrowings stood at ₹27,490 Cr, indicating a prudent approach to leverage. The price-to-book value ratio is reported at 0.88, which is lower than typical sector ranges, suggesting that the stock may be undervalued compared to its book value. Additionally, the return on assets (ROA) is reported at 1.19%, which is a positive indicator of asset utilization. However, the financing profit margin remains low, with a reported figure of just 3% in March 2025, highlighting the challenges the bank faces in managing interest expenses effectively.
Shareholding Pattern and Investor Confidence
Union Bank of India’s shareholding pattern indicates a stable yet evolving landscape. Promoters hold 74.76% of the bank’s shares, reflecting significant control and confidence in the bank’s strategy. Foreign institutional investors (FIIs) have increased their stake to 7.86%, while domestic institutional investors (DIIs) account for 11.70%. The public shareholding stands at 5.67%, showing a modest engagement from retail investors. The number of shareholders has increased to 9,55,839, indicating growing interest among investors. The gradual decline in promoter holding from 83.49% in December 2022 to the current level may signal a shift towards greater diversification, which can enhance liquidity and attract more institutional investment. This trend may positively influence investor sentiment, although it could also raise concerns about control and governance if not managed properly.
Outlook, Risks, and Final Insight
The outlook for Union Bank of India appears positive, driven by strong revenue growth and improving profitability metrics. However, the bank faces several risks, including the low financing profit margin and the high cost-to-income ratio, which could hinder overall profitability if not addressed. Additionally, the bank’s reliance on interest income poses a risk in a fluctuating interest rate environment. The increasing competition from private and foreign banks could further pressure margins and market share. Conversely, the substantial growth in reserves and total assets positions the bank to capitalize on future lending opportunities. If Union Bank can enhance operational efficiency and manage its cost structure effectively, it may solidify its position as a key player in the Indian banking sector, potentially leading to further gains for shareholders.
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 | 1,38,153 Cr. | 181 | 183/107 | 7.30 | 172 | 2.62 % | 6.72 % | 17.0 % | 10.0 |
| UCO Bank | 36,013 Cr. | 28.7 | 40.8/26.8 | 13.8 | 26.5 | 1.36 % | 5.76 % | 8.38 % | 10.0 |
| State Bank of India (SBI) | 11,00,566 Cr. | 1,192 | 1,204/680 | 13.6 | 641 | 1.33 % | 6.47 % | 17.2 % | 1.00 |
| Punjab National Bank | 1,39,030 Cr. | 121 | 135/85.5 | 7.81 | 130 | 2.40 % | 6.32 % | 15.2 % | 2.00 |
| Punjab & Sind Bank | 19,442 Cr. | 27.4 | 50.5/25.2 | 16.0 | 19.6 | 0.26 % | 5.98 % | 7.03 % | 10.0 |
| Industry Average | 167,606.00 Cr | 252.25 | 10.14 | 183.82 | 1.82% | 6.22% | 14.34% | 7.46 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20,966 | 22,163 | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 26,720 | 27,869 | 27,475 | 26,205 | 26,819 |
| Interest | 12,242 | 13,810 | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,350 | 18,245 | 18,231 | 17,247 | 17,370 |
| Expenses | 8,817 | 10,041 | 7,978 | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 | 9,056 | 7,994 |
| Financing Profit | -93 | -1,688 | 971 | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 | -98 | 1,455 |
| Financing Margin % | -0% | -8% | 4% | 5% | 5% | 1% | 1% | 2% | 5% | -0% | 1% | -0% | 5% |
| Other Income | 3,669 | 5,601 | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 | 5,550 | 5,183 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 3,576 | 3,912 | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 | 5,453 | 6,638 |
| Tax % | 37% | 28% | 37% | 35% | 35% | 37% | 27% | 26% | 22% | 19% | 21% | 21% | 24% |
| Net Profit | 2,264 | 2,812 | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 |
| EPS in Rs | 3.31 | 4.11 | 4.79 | 4.82 | 4.89 | 4.36 | 4.77 | 6.22 | 6.06 | 6.56 | 5.80 | 5.80 | 6.65 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 3, 2026, 6:16 pm
Below is a detailed analysis of the quarterly data for Union Bank of India based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 17,370.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 17,247.00 Cr. (Sep 2025) to 17,370.00 Cr., marking an increase of 123.00 Cr..
- For Expenses, as of Dec 2025, the value is 7,994.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9,056.00 Cr. (Sep 2025) to 7,994.00 Cr., marking a decrease of 1,062.00 Cr..
- For Other Income, as of Dec 2025, the value is 5,183.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,550.00 Cr. (Sep 2025) to 5,183.00 Cr., marking a decrease of 367.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 6,638.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,453.00 Cr. (Sep 2025) to 6,638.00 Cr., marking an increase of 1,185.00 Cr..
- For Tax %, as of Dec 2025, the value is 24.00%. The value appears to be increasing, which may not be favorable. It has increased from 21.00% (Sep 2025) to 24.00%, marking an increase of 3.00%.
- For Net Profit, as of Dec 2025, the value is 5,073.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,426.00 Cr. (Sep 2025) to 5,073.00 Cr., marking an increase of 647.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 6.65. The value appears strong and on an upward trend. It has increased from 5.80 (Sep 2025) to 6.65, marking an increase of 0.85.
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: 7.3 (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 12 February 2026) is ₹220.38 which is 21.76% higher the current market price of ₹181.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,38,153 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 1,38,153 Cr..
What is the current Stock Price of Union Bank of India as on 12 February 2026?
The current stock price of Union Bank of India as on 12 February 2026 is ₹181.
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 7.30.
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 2.62 %.
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.