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Last Updated on: 24 February, 2024|Author: Getaka | Social: X Twitter Profile
Stock Ticker - BSE: 532477 | NSE: UNIONBANK

Fundamental Analysis of Union Bank of India

About the Company - Union Bank of India

No data availabale for About the Company
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Basic Stock Data of Union Bank of India

Market Cap 1,08,148 Cr.
Current Price 146
High / Low155/60.3
Stock P/E8.14
Book Value 115
Dividend Yield2.06 %
ROCE5.02 %
ROE11.4 %
Face Value 10.0

Data Source: screener.in

Competitors of Union Bank of India

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
State Bank of India (SBI) 6,89,828 Cr. 773777/5029.97 4021.47 %5.20 %16.8 % 1.00
Bank of Baroda 1,39,446 Cr. 270281/1547.29 2031.98 %5.17 %15.1 % 2.00
Punjab National Bank 1,41,161 Cr. 128133/44.418.4 93.40.50 %4.10 %3.34 % 2.00
Punjab & Sind Bank 44,496 Cr. 65.677.5/23.148.7 22.30.73 %5.26 %9.01 % 10.0
UCO Bank 70,994 Cr. 59.470.7/22.241.6 21.60.00 %4.75 %7.55 % 10.0
Industry Average24.4 Cr259.225.19148.460.94%4.9%10.36%5

Union Bank of India Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue17,22015,62217,27916,85117,07217,02818,25619,77820,96622,16323,61324,73225,521
Interest10,50610,07910,1279,8819,76210,40910,59811,38412,24213,81014,66415,49816,236
Expenses10,4199,3918,7139,4107,9466,9408,4429,5988,81710,0417,9787,9628,012
Financing Profit-3,705-3,848-1,561-2,441-635-321-784-1,204-93-1,6889711,2711,273
Financing Margin %-22%-25%-9%-14%-4%-2%-4%-6%-0%-8%4%5%5%
Other Income3,7435,0593,2674,7713,1612,3262,9483,6973,6695,6014,2094,2214,281
Depreciation0000000000000
Profit before tax381,2111,7062,3302,5262,0052,1652,4933,5763,9125,1805,4925,554
Tax %-1,756%-4%35%36%58%23%28%26%37%28%37%35%35%
Net Profit7191,2691,1201,5111,0771,5571,5831,8532,2642,8123,2723,5723,625
EPS in Rs1.121.981.642.211.582.282.322.713.314.114.794.824.89
Gross NPA %
Net NPA %

Union Bank of India Quarterly Chart

Union Bank of India Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue21,15225,16929,39432,16432,31632,81732,95234,31437,47969,31168,23081,16396,029
Interest14,23017,57521,46723,64023,89423,77623,47123,89625,83744,11240,17848,03360,208
Expenses6,3957,2688,8299,49810,34913,87121,18119,01921,16636,27032,26436,15533,993
Financing Profit528325-902-973-1,928-4,830-11,700-8,601-9,523-11,071-4,213-3,0241,828
Financing Margin %2%1%-3%-3%-6%-15%-36%-25%-25%-16%-6%-4%2%
Other Income2,3162,8683,1413,9573,9345,4305,4625,0425,78914,30713,52415,91518,312
Depreciation1511561982252492413683744179087457450
Profit before tax2,6943,0372,0402,7591,758359-6,607-3,933-4,1512,3278,56612,14720,139
Tax %35%30%18%36%24%-58%21%25%27%-22%39%31%
Net Profit1,7602,1461,6871,7711,347573-5,212-2,922-3,1212,8635,2658,51213,281
EPS in Rs32.1836.1426.5927.6919.738.33-44.61-16.58-9.124.477.7012.4518.61
Dividend Payout %25%22%15%22%10%0%0%0%0%0%25%24%

Union Bank of India Profit & Loss Yearly Chart

YoY Net Profit Growth
Year2012-20132013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-2023
YoY Net Profit Growth (%)21.93%-21.39%4.98%-23.94%-57.46%-1009.60%43.94%-6.81%191.73%83.90%61.67%
Change in YoY Net Profit Growth (%)0.00%-43.32%26.37%-28.92%-33.52%-952.14%1053.54%-50.75%198.54%-107.84%-22.23%

Union Bank of India Growth

Compounded Sales Growth
10 Years:12%
5 Years:20%
3 Years:29%
TTM:26%
Compounded Profit Growth
10 Years:15%
5 Years:29%
3 Years:68%
TTM:83%
Stock Price CAGR
10 Years:3%
5 Years:15%
3 Years:52%
1 Year:101%
Return on Equity
10 Years:3%
5 Years:4%
3 Years:9%
Last Year:11%

Union Bank of India Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital5515976306366876871,1691,7633,4236,4076,8356,8357,412
Reserves14,11716,72218,00419,26322,36123,40624,08325,07330,56758,33164,02671,969
Preference Capital111111111000000000
Borrowings240,686287,478326,967352,618374,754418,420455,969460,780505,150977,5761,085,6131,163,059
Other Liabilities7,6718,1149,41111,0489,56213,1679,90010,96416,36940,06337,29246,495
Total Liabilities263,025312,912355,013383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,357
Fixed Assets2,3392,4832,6212,6903,9393,8963,8243,7434,7347,3037,1718,826
CWIP913241321344454633722
Investments63,10481,80894,63685,81890,573113,441125,485128,391154,251339,059351,839343,727
Other Assets197,573228,608257,753295,053312,840338,322361,777366,402396,470735,952834,718935,782
Total Assets263,025312,912355,013383,566407,365455,681491,120498,581555,5091,082,3771,193,7661,288,357

Union Bank of India Reserves and Borrowings Chart

Union Bank of India Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -3,824-4,2452,570-3,56781-6,6246,097-7,778-7720,52736,3396,111
Cash from Investing Activity -235-343-363-318-9-280-315-297-4-601-558-2,561
Cash from Financing Activity -3705,0964,9023,168-210,19410,7921,758201-18,861-786-10,654
Net Cash Flow-4,4295077,109-718703,28916,574-6,3171211,06634,995-7,104

Union Bank of India Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %13%13%9%9%6%2%-21%-11%-10%6%8%11%

Union Bank of India Financial Efficiency Indicators Chart

Union Bank of India Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Promoters89.07%83.49%83.49%83.49%83.49%83.49%83.49%83.49%83.49%83.49%76.99%76.99%
FIIs0.66%1.67%1.49%1.19%1.18%1.13%1.43%1.62%1.66%1.46%2.89%3.97%
DIIs4.37%6.84%6.72%7.02%7.05%6.90%7.05%8.39%8.27%7.88%12.69%12.28%
Public5.90%7.99%8.29%8.30%8.27%8.47%8.02%6.49%6.57%7.17%7.42%6.76%
No. of Shareholders6,31,8876,83,0426,90,8097,39,1437,61,8097,98,2147,81,5547,80,2087,83,5507,75,7738,65,2518,74,309

Union Bank of India Shareholding Pattern Chart

No. of Union Bank of India Shareholders

Union Bank of India Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
HDFC Mid-Cap Opportunities Fund - Regular Plan955526412.261336.3
Nippon India Growth Fund194000001.11271.31
Nippon India ETF Nifty PSU Bank BeES143725669.18201
Nippon India Large Cap Fund139023660.91194.42
Nippon India ELSS Tax Saver Fund89300000.88124.89
Kotak Nifty PSU Bank ETF89281089.18124.86
Sundaram Mid Cap Fund84155031.16117.69
Sundaram Mid Cap Fund - Institutional Plan84155031.16117.69
Aditya Birla Sun Life Multi-Cap Fund64382091.7990.04
Nippon India Small Cap Fund55000000.1776.92

Union Bank of India ROCE Trend

Union Bank of India EPS Trend

Union Bank of India Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)12.457.774.47-13.45-24.87
Diluted EPS (Rs.)12.457.774.47-13.45-24.87
Cash EPS (Rs.)13.428.715.83-7.67-14.52
Book Value[Excl.RevalReserv]/Share (Rs.)106.1796.5693.2489.72138.95
Book Value[Incl.RevalReserv]/Share (Rs.)115.15103.53100.8899.00151.62
Operating Revenue / Share (Rs.)118.7599.83108.18109.50194.63
Net Profit / Share (Rs.)12.337.624.41-8.88-16.64
Net Profit After MI / Share (Rs.)12.457.704.47-9.12-16.57
Net Profit Margin (%)10.387.634.08-8.11-8.54
Net Profit After MI And SOA Nargin (%)10.487.714.13-8.32-8.51
Operating Profit Margin (%)-9.22-12.18-15.97-23.55-23.24
Return On Assets (%)0.660.440.26-0.56-0.58
Return On Equity / Networth (%)11.727.974.79-10.16-11.92
Net Interest Margin (X)2.572.342.322.092.08
Cost To Income (%)41.8344.4843.5847.3146.73
Interest Income / Total Assets (%)6.295.716.406.746.88
Non-Interest Income / Total Assets (%)1.231.131.281.041.01
Operating Profit / Total Assets (%)-0.58-0.69-1.02-1.58-1.59
Operating Expenses / Total Assets (%)1.821.651.821.471.57
Interest Expenses / Total Assets (%)3.723.364.074.654.79
Enterprise Value (Rs.Cr.)1158348.651066085.71961609.75494975.89456920.82
EV Per Net Sales (X)14.2715.6213.8713.2113.32
Price To Book Value (X)0.620.400.360.320.68
Price To Sales (X)0.550.380.310.260.49
Retention Ratios (%)75.9175.33100.00100.00100.00
Earnings Yield (X)0.180.190.13-0.31-0.17

Union Bank of India Profitability Ratios (%)

Union Bank of India Liquidity Ratios

Union Bank of India Liquidity Ratios (%)

Union Bank of India Interest Coverage Ratios (X)

Union Bank of India Valuation Ratios

Fair Value / Intrinsic Value of Union Bank of India

Fair Value: ₹108.91

The stock is overvalued by 25.40% compared to the current price ₹146

*Investments are subject to market risks

Strength and Weakness of Union Bank of India

Unable to fetch valid data for stock valuation.

Should I Buy Union Bank of India Share Now?

  • Considering various financial indicators, investors might exercise caution regarding investment in Union Bank of India:
    1. Net Profit Margin: 10.38%
      • 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.
    2. ROCE: N/A% (Industry Average ROCE: 4.9%)
      • 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.
    3. Interest Coverage Ratio (Post Tax): N/A
      • 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.
    4. Quick Ratio: N/A
      • 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.
    5. ✓ Stock P/E: 8.08 (Industry average Stock P/E: 25.8)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    6. ✗ Total Debt / Equity: N/A
      • 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.
    The current analysis suggests exercising caution. It's advisable to conduct further research or consult with financial experts before considering any investment.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Union Bank of India. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE