UNIONBANK - Union Bank of India Share Price
Banks
Valuation | |
|---|---|
| Market Cap | 99.92 kCr |
| Price/Earnings (Trailing) | 6.24 |
| Price/Sales (Trailing) | 0.76 |
| EV/EBITDA | 1.04 |
| Price/Free Cashflow | 5.72 |
| MarketCap/EBT | 4.21 |
| Enterprise Value | 99.92 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 1.31 LCr |
| Rev. Growth (Yr) | 3.3% |
| Earnings (TTM) | 18.46 kCr |
| Earnings Growth (Yr) | 14.9% |
Profitability | |
|---|---|
| Operating Margin | 23% |
| EBT Margin | 18% |
| Return on Equity | 1.22% |
| Return on Assets | 1.22% |
| Free Cashflow Yield | 17.49% |
Price to Sales Ratio
Revenue (Last 12 mths)
Net Income (Last 12 mths)
Growth & Returns | |
|---|---|
| Price Change 1W | 2.2% |
| Price Change 1M | -9.5% |
| Price Change 6M | 11.1% |
| Price Change 1Y | 8.7% |
| 3Y Cumulative Return | 50% |
| 5Y Cumulative Return | 34.8% |
| 7Y Cumulative Return | 6.3% |
| 10Y Cumulative Return | -4.3% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -1.89 kCr |
| Cash Flow from Operations (TTM) | 17.48 kCr |
| Cash Flow from Financing (TTM) | -3.55 kCr |
| Free Cash Flow (TTM) | 17.48 kCr |
| Free Cash Flow/Share (TTM) | 22.9 |
Balance Sheet | |
|---|---|
| Total Assets | 15.11 LCr |
| Shareholder Equity | 15.11 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.67 |
| Interest/Cashflow Ops | 1.24 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 4.75 |
| Dividend Yield | 3.63% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 11.7% |
Risk & Volatility | |
|---|---|
| Max Drawdown | -73.1% |
| Drawdown Prob. (30d, 5Y) | 40.38% |
| Risk Level (5Y) | 49.7% |
Latest News and Updates from Union Bank of India
Updated May 4, 2025
The Bad News
Union Bank of India has experienced a return of -2.1% in one day despite a positive three-month performance.
The stock has shown variability as it continues to navigate mixed short-term trends, indicated by its moving averages.
While current conditions are encouraging, the stock's recent fluctuations present inherent trading risks.
The Good News
Prabhudas Lilladher has initiated coverage on Union Bank of India (UNBK) with a 'BUY' rating, highlighting improvements in earnings quality due to reduced stress and provisions.
The short-term outlook for Union Bank of India is bullish following a 4% rise, suggesting a positive trend as the share price has surpassed the 200-Day Moving Average.
Analysts predict the price of Union Bank of India could reach ?133-135 within one to two weeks, encouraging traders to buy at current levels.
Updates from Union Bank of India
General • 05 Aug 2025 Disclosure under Regulation 30 of SEBI (LODR) Regulation, 2015 as amended. |
Change in Management • 01 Aug 2025 Union Bank of India has informed the Exchange about change in senior Management of the Bank |
General • 31 Jul 2025 Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015, as amended. |
General • 25 Jul 2025 Certificate For Timely payment of Annual Interest on Bond |
General • 25 Jul 2025 Addendum to the Notice of 23rd Annual General Meeting of the Bank. |
Change in Directorate • 25 Jul 2025 Appointment of Shri Rohan Chand Thakur as the Government Nominee Director on the Board of the Bank |
Investor Presentation • 19 Jul 2025 Presentation on Financial Results of the Bank for the Quarter ended on June 30, 2025. |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Summary of Latest Earnings Report from Union Bank of India
Summary of Union Bank of India's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Last updated:
The management of Union Bank of India provided an optimistic outlook, reaffirming confidence in meeting/exceeding FY24 guidance while highlighting key performance metrics and strategic priorities:
Key Outlook & Guidance:
- Growth: Maintain deposit growth at 8"“10% and advances growth at 10"“12% for FY24 (achieved 10.1% and 11.4% YoY, respectively).
- Asset Quality: Gross NPA reduced to 4.83% (down 310 bps YoY), targeting further improvement. Aim to keep slippages below Rs.12,000cr and recovery above Rs.16,000cr for FY24 (already achieved Rs.7,960cr slippages and Rs.13,800cr recovery in 9MFY24).
- Profitability: Target 3% NIM (achieved 3.10% in 9MFY24); ROA improved to 1.07% (exceeding FY25 target early). Credit cost reduced to 0.56% in Q3.
- Capital: CRAR at 15.03%; plans to raise Rs.3,000cr via QIP in FY24 (total Rs.8,000cr approved).
Major Highlights:
- Business Growth: Total business reached Rs.20.68 trillion, driven by RAM (Retail, Agri, MSME) portfolio growth (14% YoY) and strong gold/education loan growth (53% and 57% YoY).
- Digital Expansion: 25 million users on mobile platform "Vyom"; centralized processes and partnerships (e.g., UBISL) for scalability.
- Liquidity Management: CD ratio at 77.8%, LCR at 125%, with focus on optimizing liquidity.
- Cost Efficiency: Cost-to-income ratio among industry lows; wage provision increased to Rs.130cr/month (17% hike impact).
- Sector Trends: Positive on India's economic growth, targeting 1.5x GDP growth in advances.
FY25 Priorities: Focus on sustaining NIM, improving fee income, and leveraging digital channels for customer acquisition/retention.
Last updated:
Major Questions and Answers from Union Bank of India's Q3 FY24 Earnings Call
Question on wage provisions and pension impact
Full Question: "My first question is on the wage provision. What has that increased to? Does the catch-up provision include pension adjustments?"
Answer: The bank increased monthly wage provisions from Rs.110"“125 crore to Rs.130 crore. A differential provision of Rs.225 crore was made for previous months. Pension-related provisions are pending final actuarial guidelines and will be addressed in Q4.Question on Loan-to-Deposit Ratio (LDR) targets and regulatory discussions
Full Question: "Would you maintain LDR at current levels? Any targets for Q4 or FY25?"
Answer: The bank aims to maintain an LDR of 77"“78% and Liquidity Coverage Ratio (LCR) at 125%, aligning with regulatory limits. No direct regulatory pressure was indicated.Question on Net Interest Margin (NIM) sustainability
Full Question: "Do you expect NIM moderation from 3.1% due to deposit competition?"
Answer: NIM guidance remains at 3% for FY24, supported by MCLR repricing (48"“49% of loans), stable deposit costs, and liquidity optimization.Question on credit growth exceeding guidance
Full Question: "Advances grew 11.4% Y-o-Y vs. 10"“12% guidance. Will FY24 growth surpass guidance?"
Answer: The bank reaffirmed 10"“12% FY24 credit growth guidance, emphasizing conservative yet robust performance across agriculture (17.88% growth) and gold loans (53% Y-o-Y).Question on Gross NPA recovery and slippages
Full Question: "Recovery stood at Rs.13,800 crore and slippages at Rs.7,960 crore for 9M FY24. Will FY24 targets be revised?"
Answer: The bank expects to surpass FY24 recovery (Rs.16,000 crore) and slippage (<Rs.12,000 crore) targets. Q3 recoveries totaled Rs.5,935 crore, including Rs.1,026 crore from written-off accounts.Question on capital-raising plans
Full Question: "With share price gains, will you raise additional capital beyond the Rs.5,000 crore QIP?"
Answer: Board approval exists for Rs.8,000 crore equity raising. After the Rs.5,000 crore QIP, the remaining Rs.3,000 crore may be raised in FY24.Question on Treasury income decline
Full Question: "Treasury income fell to Rs.611 crore in Q3. What drove this, and what's the outlook?"
Answer: Volatility in bond yields and RBI's OMO stance impacted Treasury income. The bank aims to maintain stable profitability by rebalancing holdings to higher-yield securities.Question on RBI's higher risk weights for NBFCs
Full Question: "What is the impact of RBI's risk-weight norms on CRAR?"
Answer: The norms increased risk-weighted assets by Rs.26,000"“27,000 crore, reducing CRAR by 60 bps. NBFC loan repricing (15"“20 bps hikes) is underway to offset this.Question on credit cost trajectory
Full Question: "Credit cost improved to 0.56% in Q3. What's the FY25/26 outlook?"
Answer: Credit cost is expected to stabilize at ~50 bps, aided by controlled slippages (Rs.8,000 crore in 9M FY24) and improving asset quality (GNPA at 4.83%).Question on deposit rate hikes and cost trends
Full Question: "Why were term deposit rates raised? Will costs rise further?"
Answer: Rate hikes aligned with market trends. Cost of deposits rose 6 bps QoQ but is manageable due to excess SLR (Rs.60,000 crore) and liquidity buffers.Question on cost-to-income ratio initiatives
Full Question: "How is the bank reducing cost-to-income ratio?"
Answer: Centralized processes, digital onboarding (25M users on Vyom app), and subsidiary-driven sales (UBISL) are key. The ratio remains among the lowest in the sector.Question on ROA guidance
Full Question: "ROA reached 1.07% in Q3. Is 1%+ sustainable?"
Answer: The bank achieved its FY25 ROA target (1%) early and aims to sustain/improve it via higher NIMs, lower credit costs, and operational efficiency.
Revenue Breakdown
Analysis of Union Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Jun 30, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking Operations | 36.5% | 11.8 kCr |
| Corporate/Wholesale Banking Operations | 34.1% | 11 kCr |
| Treasury Operations | 26.6% | 8.6 kCr |
| Unallocated | 1.8% | 576.2 Cr |
| Other Banking Operations | 1.0% | 326.8 Cr |
| Total | 32.3 kCr |
Share Holdings
Understand Union Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
Holding Pattern
Share Holding Details
| Shareholder Name | Holding % |
|---|---|
| LICI MARKET PLUS GROWTH FUND | 6.35% |
| HDFC MUTUAL FUND - HDFC NIFTY PSU BANK ETF | 1.34% |
Overall Distribution
Distribution across major stakeholders
Ownership Distribution
Distribution across major institutional holders
Is Union Bank of India Better than it's peers?
Detailed comparison of Union Bank of India against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| SBIN | State Bank Of India | 7.41 LCr | 6.78 LCr | -1.00% | -0.70% | 9.3 | 1.09 | - | - |
| BANKBARODA | Bank Of Baroda | 1.24 LCr | 1.55 LCr | -0.80% | -0.90% | 6.19 | 0.8 | - | - |
| PNB | Punjab National Bank | 1.19 LCr | 1.46 LCr | -6.70% | -9.10% | 7.47 | 0.82 | - | - |
| CANBK | Canara Bank | 97.77 kCr | 1.57 LCr | -5.40% | +0.60% | 5.99 | 0.62 | - | - |
| INDIANB | Indian Bank | 87.24 kCr | 73.84 kCr | +1.40% | +16.60% | 7.74 | 1.18 | - | - |
| BANKINDIA | Bank of India | 50.25 kCr | 82.71 kCr | -4.80% | -7.50% | 5.61 | 0.61 | - | - |
Sector Comparison: UNIONBANK vs Banks
Comprehensive comparison against sector averages
Comparative Metrics
UNIONBANK metrics compared to Banks
| Category | UNIONBANK | Banks |
|---|---|---|
| PE | 6.24 | 8.27 |
| PS | 0.76 | 1.00 |
| Growth | 7.6 % | 11.2 % |
Performance Comparison
UNIONBANK vs Banks (2021 - 2025)
- 1. UNIONBANK is among the Top 5 Public Sector Bank companies by market cap.
- 2. The company holds a market share of 8.4% in Public Sector Bank.
- 3. In last one year, the company has had a below average growth that other Public Sector Bank companies.
Income Statement for Union Bank of India
Balance Sheet for Union Bank of India
Cash Flow for Union Bank of India
What does Union Bank of India do?
Union Bank of India is a prominent Public Sector Bank with the stock ticker UNIONBANK. It boasts a market capitalization of Rs. 98,130.1 Crores and provides a wide range of banking products and services.
The bank operates through four primary segments:
- Treasury Operations
- Retail Banking Operations
- Corporate and Wholesale Banking
- Other Banking Operations
Among its offerings, Union Bank provides savings and current accounts, term deposits, and various types of loans, including home, vehicle, education, personal, agricultural, and gold loans. It also caters to micro, small, and medium enterprises, as well as senior citizens and pensioners.
In addition to traditional banking services, the bank offers:
- Mutual Funds
- Insurance Products: Life, non-life, and health
- Investment Services: Demat and online trading, tax-saving deposits, and government saving schemes
- Security Services: Safe deposit lockers and cheque collection
For corporate clients, Union Bank provides loans that encompass export schemes, lines of credit, trade finance, working capital, project financing, and more. They also offer services like cash management, foreign exchange, and NRI banking.
Union Bank of India has a trailing 12 months revenue of Rs. 127,498.4 Crores and distributes dividends, yielding 6.21% per year. In the last year, the bank returned Rs. 6.6 dividend per share.
Despite having diluted its shareholdings by 11.7% over the past three years, Union Bank remains profitable, with a reported profit of Rs. 16,229.8 Crores in the past four quarters. The bank has experienced significant growth, with a revenue increase of 52.8% over the last three years.
Incorporated in 1919 and headquartered in Mumbai, India, Union Bank of India continues to thrive in the competitive banking landscape.