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Union Bank of India UNIONBANK NSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://www.unionbankofindia.bank.in
Company Profile ↓
₹187.22
+42.21% 1Y
Mkt Cap₹1.43 L Cr
P/E7.36
P/B1.00
Div. Yield2.74%
52W High₹196.47
52W Low₹121.24
Book Value₹174.95
EPS (TTM)₹25.45

Company Overview

Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company provides its products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. Union Bank of India was incorporated in 1919 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 31.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 7.4, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 33.1%.

Dividend Income

Offers a dividend yield of 2.74%.

Recent Developments

  • Mar 2026 Revenue of ₹58,787.88 Cr (-0.9% YoY); net profit ₹19,430.21 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -0.9%, earnings +7.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 7.6%, profit CAGR 31.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.64%
1 Year:-0.93%

Compounded Profit Growth

5 Years:31.67%
1 Year:7.78%

Stock Price Performance

1 Year:+42.21%
6 Months:+2.17%
3 Months:+13.09%
1 Month:+2.59%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
₹121.24 ₹196.47
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.64 · Neutral
Price Performance
1M+2.59%
3M+13.09%
6M+2.17%
1Y+42.21%
Valuation vs Sector

P/E of 7.36 is below the sector median of 19.62 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.1%.
  • Profit CAGR of 31.7% over 5 years.
  • Attractive dividend yield of 2.74%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.36
Industry PE
19.62
Forward P/E
6.99
PEG Ratio
-
Book Value
₹174.95
Price to Book
1.00
P/S
2.75
EV/EBITDA
-
Dividend Yield
2.74%

Growth (CAGR)

Revenue 5Y
7.64%
Profit 5Y
31.67%
Revenue (YoY)
-0.93%
Earnings (YoY)
7.78%

Profitability & Returns

ROCE
-
ROE
14.55%
ROA
1.22%
Profit Margin
33.05%
Op Margin
-
Gross Margin
0.00%
EPS (Latest Qtr)
₹7.39
EPS (TTM)
₹25.45

Balance Sheet & Liquidity

Debt/Equity
0.55
Quick Ratio
-
Current Ratio
-
Debt
₹73,797.87 Cr
Total Assets
₹15.62 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
74.76%
Chg in Prom Hold
-0.00%
FII / Inst Holding
14.95%
Chg in FII Hold
-0.06%

Financial Snapshot

Enterprise Value
₹1.43 L Cr
Total Revenue (TTM)
₹58,787.88 Cr
EBITDA
-
Free Cash Flow
₹-39,022.13 Cr
Operating Cash Flow
₹-35,798.35 Cr
Shares Outstanding
₹763.36 Cr
Gross Margin
0.00%
Payout Ratio
36.06%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UNIONBANK Union Bank of India NSEFINANCIALPSU 187.22 7.36 ₹1.43 L Cr 2.74% - 14.55% 7.64% 31.67%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 22,163.00 Cr23,613.00 Cr24,732.00 Cr25,521.00 Cr26,510.00 Cr26,527.00 Cr26,887.00 Cr13,984.58 Cr15,847.67 Cr14,112.84 Cr26,205.00 Cr14,631.99 Cr15,669.12 Cr15,454.56 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 10,041.00 Cr7,978.00 Cr7,962.00 Cr8,012.00 Cr9,365.00 Cr9,367.00 Cr8,686.00 Cr6,595.98 Cr7,987.39 Cr7,689.01 Cr9,056.00 Cr7,758.61 Cr8,325.81 Cr7,368.27 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 13,810.00 Cr14,664.00 Cr15,498.00 Cr16,236.00 Cr16,966.00 Cr17,004.00 Cr17,720.00 Cr17,350.22 Cr17,743.17 Cr17,854.77 Cr17,247.00 Cr17,369.93 Cr17,005.41 Cr17,205.68 Cr
Pretax Income 3,912.00 Cr5,180.00 Cr5,492.00 Cr5,554.00 Cr5,281.00 Cr4,954.00 Cr6,406.00 Cr5,888.74 Cr6,174.76 Cr5,268.68 Cr5,453.00 Cr6,637.76 Cr6,925.54 Cr7,066.86 Cr
Tax Provision 1,095.36 Cr1,916.60 Cr1,922.20 Cr1,943.90 Cr1,953.97 Cr1,337.58 Cr1,665.56 Cr1,291.57 Cr1,173.54 Cr1,132.11 Cr1,145.13 Cr1,608.94 Cr1,591.59 Cr1,698.69 Cr
Net Income 2,812.00 Cr3,272.00 Cr3,572.00 Cr3,625.00 Cr3,328.00 Cr3,642.00 Cr4,751.00 Cr4,623.03 Cr5,011.22 Cr4,427.94 Cr4,426.00 Cr5,072.69 Cr5,503.61 Cr5,641.52 Cr
Diluted EPS 4.114.794.824.894.364.776.226.066.565.805.806.657.217.39

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 32,164.00 Cr32,316.00 Cr32,817.00 Cr32,952.00 Cr34,314.00 Cr37,479.00 Cr69,311.00 Cr-47,131.65 Cr55,177.69 Cr59,339.68 Cr58,787.88 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 9,498.00 Cr10,349.00 Cr13,871.00 Cr21,181.00 Cr19,019.00 Cr21,166.00 Cr36,270.00 Cr-23,465.22 Cr26,560.83 Cr28,410.15 Cr31,037.88 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 23,640.00 Cr23,894.00 Cr23,776.00 Cr23,471.00 Cr23,896.00 Cr25,837.00 Cr44,112.00 Cr-48,032.84 Cr63,363.70 Cr68,916.28 Cr69,477.33 Cr
Pretax Income 2,759.00 Cr1,758.00 Cr359.00 Cr-6,607.00 Cr-3,933.00 Cr-4,151.00 Cr2,327.00 Cr-12,227.86 Cr21,596.40 Cr23,529.67 Cr24,934.08 Cr
Tax Provision 993.24 Cr421.92 Cr-208.22 Cr1,387.47 Cr983.25 Cr1,120.77 Cr-511.94 Cr-3,716.20 Cr7,799.28 Cr5,502.71 Cr5,503.87 Cr
Net Income 1,771.00 Cr1,347.00 Cr573.00 Cr-5,212.00 Cr-2,922.00 Cr-3,121.00 Cr2,863.00 Cr-8,511.66 Cr13,797.12 Cr18,026.95 Cr19,430.21 Cr
Diluted EPS 27.6919.738.33-44.61-16.58-9.124.47-12.4519.1523.6225.45

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 3.84 L Cr4.07 L Cr4.56 L Cr4.91 L Cr4.99 L Cr5.56 L Cr10.82 L Cr-12.88 L Cr14.02 L Cr15.11 L Cr15.88 L Cr
Current Assets ------------
Cash & Equivalents --------1.13 L Cr1.20 L Cr1.31 L Cr96,043.36 Cr
Inventory ------------
Receivables -------11,649.98 Cr12,489.14 Cr14,468.27 Cr14,764.60 Cr17,360.48 Cr
Total Liabilities --------12.10 L Cr13.04 L Cr13.97 L Cr14.54 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------29,354.59 Cr26,974.27 Cr64,992.42 Cr73,797.87 Cr
Total Equity 19,899.00 Cr23,048.00 Cr24,093.00 Cr25,252.00 Cr26,836.00 Cr33,990.00 Cr64,738.00 Cr-78,803.51 Cr97,597.66 Cr1.14 L Cr1.34 L Cr
Shares Outstanding --------683.47 Cr763.36 Cr763.36 Cr763.36 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -3,567.00 Cr81.00 Cr-6,624.00 Cr6,097.00 Cr-7,778.00 Cr-7,681.00 Cr20,527.00 Cr-6,055.85 Cr19,929.69 Cr-20,387.05 Cr-35,798.35 Cr
Investing Cash Flow -318.00 Cr-9.00 Cr-280.00 Cr-315.00 Cr-297.00 Cr-377.00 Cr-601.00 Cr--2,561.05 Cr-1,393.77 Cr-1,889.77 Cr-7,075.25 Cr
Financing Cash Flow 3,168.00 Cr-2.00 Cr10,194.00 Cr10,792.00 Cr1,758.00 Cr20,144.00 Cr-18,861.00 Cr--10,654.16 Cr-11,488.94 Cr33,819.01 Cr7,728.92 Cr
Capital Expenditure -342.00 Cr-9.00 Cr-287.00 Cr-315.00 Cr-298.00 Cr-377.00 Cr-601.00 Cr--3,065.55 Cr-1,648.80 Cr-1,667.59 Cr-3,223.78 Cr
Free Cash Flow -3,909.00 Cr72.00 Cr-6,911.00 Cr5,782.00 Cr-8,076.00 Cr-8,058.00 Cr19,926.00 Cr-2,990.30 Cr18,280.89 Cr-22,054.64 Cr-39,022.13 Cr
Net Change in Cash -718.00 Cr70.00 Cr3,289.00 Cr16,574.00 Cr-6,317.00 Cr12,086.00 Cr1,066.00 Cr--7,159.36 Cr7,046.98 Cr11,542.19 Cr-35,144.68 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 5.5%4.2%1.7%-15.8%-8.5%-8.3%4.1%-18.1%25.0%30.4%33.1%
ROE % 8.9%5.8%2.4%-20.6%-10.9%-9.2%4.4%-10.8%14.1%15.8%14.5%
ROCE % ------------

Shareholding Pattern

Insiders
74.76%
Institutions
14.95%
Public Float
59.22%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for UNIONBANK

Google News hu, 03 Sep 2026

Union Bank stock rises on a 27.41 percent profit jump - ad-hoc-news.de

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Google News Fri, 04 Sep 2026

Motilal OFS, CRISIL, CUB among 4 breakout stocks identified by analysts - Business Standard

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Google News Wed, 22 Jul 2026

Union Bank of India Shares Fall 2.02% to Rs 172.56 - TradingView

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Google News Fri, 04 Sep 2026

Union Bank of India surges on fund-raising plans - Upstox

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Google News Fri, 03 Jul 2026

Union Bank of India shares drop 5% post Q1 business update, global business decline marginally on quarterl - The Economic Times

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Google News Wed, 29 Jul 2026

City Union Bank Shares Fall 5% Even As Profit Jumps 25% - NDTV Profit

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UNIONBANK — Frequently Asked Questions

What is the current share price of Union Bank of India (UNIONBANK)?

As of 2026-09-08 04:53 IST, Union Bank of India (UNIONBANK) trades at ₹187.22 on NSE. Its 52-week range is ₹121.24 to ₹196.47.

What is the market capitalisation of UNIONBANK?

Union Bank of India (UNIONBANK) has a market capitalisation of ₹1.43 L Cr on NSE.

What is the P/E ratio of UNIONBANK?

UNIONBANK trades at a trailing price-to-earnings (P/E) ratio of 7.36. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 1.00.

Does UNIONBANK pay a dividend?

Union Bank of India (UNIONBANK) currently offers a dividend yield of 2.74%.

What is the return on equity (ROE) of UNIONBANK?

UNIONBANK has a return on equity (ROE) of 14.55%.

Is UNIONBANK a good stock to buy?

This page provides a data-driven analysis of Union Bank of India (UNIONBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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