High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Size: It is among the top 200 market size companies of india.
Dividend: Dividend paying stock. Dividend yield of 2.64%.
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Past Returns: Outperforming stock! In past three years, the stock has provided 33.8% return compared to 8.9% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Recent profitability of 15% is a good sign.
No major cons observed.
Valuation | |
|---|---|
| Market Cap | 1.28 LCr |
| Price/Sales (Trailing) | 0.99 |
| EV/EBITDA | 1.35 |
| Price/Free Cashflow | -3.57 |
| MarketCap/EBT | 5.27 |
| Enterprise Value | 1.28 LCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 1.29 LCr |
| Rev. Growth (Yr) | -4.2% |
| Earnings (TTM) | 18.78 kCr |
| Earnings Growth (Yr) | 6.7% |
Profitability | |
|---|---|
| Operating Margin | 22% |
| EBT Margin | 19% |
| Return on Equity | 1.24% |
| Return on Assets | 1.18% |
| Free Cashflow Yield | -27.99% |
Growth & Returns | |
|---|---|
| Price Change 1W | 5.4% |
| Price Change 1M | -5.3% |
| Price Change 6M | 8.6% |
| Price Change 1Y | 19.3% |
| 3Y Cumulative Return | 33.8% |
| 5Y Cumulative Return | 37.6% |
| 7Y Cumulative Return | 11.2% |
| 10Y Cumulative Return | 3.8% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -7.08 kCr |
| Cash Flow from Operations (TTM) | -35.8 kCr |
| Cash Flow from Financing (TTM) | 7.73 kCr |
| Free Cash Flow (TTM) | -35.8 kCr |
| Free Cash Flow/Share (TTM) | -46.9 |
Balance Sheet | |
|---|---|
| Total Assets | 15.88 LCr |
| Shareholder Equity | 14.9 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.65 |
| Interest/Cashflow Ops | 0.49 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 4.75 |
| Dividend Yield | 2.64% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 11.7% |
Size: It is among the top 200 market size companies of india.
Dividend: Dividend paying stock. Dividend yield of 2.64%.
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Past Returns: Outperforming stock! In past three years, the stock has provided 33.8% return compared to 8.9% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Profitability: Recent profitability of 15% is a good sign.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 2.64% |
| Dividend/Share (TTM) | 4.75 |
| Shares Dilution (1Y) | 0.00% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 47.76 |
| RSI (5d) | 88.32 |
| RSI (21d) | 39.47 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
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.
The management of Union Bank of India provided a positive outlook during the earnings conference call for the quarter ended December 31, 2025. Key highlights from the management's commentary include:
Economic Growth: The bank CEO, Asheesh Pandey, noted a favorable economic environment, projecting India's GDP growth at approximately 7.4% for the year, bolstered by government reforms and CAPEX initiatives.
Financial Performance: The net profit stood at INR 5,017 crores for the quarter, with interest income at INR 26,443 crores. The gross advances grew by 7.13%, and total deposits increased by 3.36%.
Net Interest Margin (NIM): The NIM slightly decreased from 2.91% last December to 2.76%, despite a 125 basis point repo rate cut, highlighting the bank's resilience in managing net interest income amid rate changes.
Asset Quality: Gross Non-Performing Assets (GNPA) and Net NPA (NNPA) ratios improved, with SMA2 at INR 4,285 crores, indicating a controlled risk environment.
Growth in Key Segments: The RAM (Retail, Agri, MSME) sector saw significant growth, with retail advances up by 21.67% and agri loans up by 19.75%.
Future Projections: Management expressed confidence in sustaining the current growth trajectory, with aspirations to achieve industry-level loan growth in the near future.
Cost Management and Technology Initiatives: Initiatives like Project MUSKAAN, aimed at streamlining operations and enhancing customer service, were frequently mentioned. The operational expenditure growth is expected to be controlled, despite plans for expanding banking services and technology investments.
These key metrics and initiatives reflect the bank's commitment to maintain strong performance while adapting to economic conditions and customer needs.
Questions and Answers from the Earnings Transcript
Question: What is the breakdown of other interest income, which has increased to INR 206 crores?
Answer: This includes income from PSL deposits we place, particularly the RIDF. While we'll provide a detailed breakdown later, RIDF alone accounts for INR 198 crores. Overall, our net interest income increased due to meticulous adjustments in loan distribution despite two rate cuts.
Question: Based on the draft ECL norms, what is the expected increase in credit costs?
Answer: Our estimate for the transition impact is around INR 4,200 to INR 4,300 crores. For ongoing credit costs under ECL, we anticipate minimal disruptions since our prevailing costs range from 20 to 40 bps, and we're confident in maintaining this level based on our strong loan book.
Question: What is the outlook for sustaining your loan growth?
Answer: We expect better growth than the current quarter. With around INR 24,000 to INR 26,000 crores pending disbursement and good proposals in the pipeline, our loan growth will likely align with industry trends in the upcoming quarters.
Question: Are you including provisions for gratuity and leave encashment under the new labor code?
Answer: We estimate a maximum impact of INR 10 to 15 crores from the new labor code provisions. Most of our gratuity rates are already compliant, especially since we are an older institution with established policies.
Question: What has the bank sanctioned under the RBI's moratorium for exporters during the quarter?
Answer: We have sanctioned around 78 proposals worth INR 500 crores, with 61 already disbursed for INR 216.64 crores. We're actively approaching our clients to understand their needs further.
Question: What is your credit cost outlook considering the current provisions?
Answer: We are evaluating various metrics, including GNPA, PCR at over 95%, and low slippages. We do not foresee an increase in credit cost and aim to maintain the low levels we've achieved thus far.
Question: What is your strategy to increase deposits aligning with credit growth?
Answer: We focus on enhancing our CASA ratio, which recently improved by 140 bps. Additionally, we shed high-cost bulk deposits while restructuring our treasury to support our growth strategy.
Question: What is the impact of technological upgrades and budget allocations?
Answer: This year, we have earmarked approximately INR 1,600 crores for technology, focusing on cybersecurity and infrastructure enhancement. We also aim to streamline processes through Project Muskaan, which simplifies over 300 procedures.
Question: What is the size of your existing gold loan book?
Answer: The total gold loan portfolio stands at INR 84,000 crores, with an increase of about INR 2,200 crores in the last quarter. Our Agri gold loan is around INR 48,000 crores.
Question: What is your NIM guidance for FY '26?
Answer: We aim to defend our NIM of 2.76%, however, we hope for improvements as deposits reprice from previously higher rates, influenced by our focus on maintaining a healthy CASA and advance mix.
This captures major questions and succinct, direct answers based on the earnings transcript.
Analysis of Union Bank of India's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2026
| Description | Share | Value |
|---|---|---|
| Retail Banking Operations | 37.6% | 12.3 kCr |
| Corporate/Wholesale Banking Operation | 36.0% | 11.7 kCr |
| Treasury Operations | 20.8% | 6.8 kCr |
| Unallocated | 4.2% | 1.4 kCr |
| Other Banking Operations | 1.4% | 472.9 Cr |
| Total | 32.7 kCr |
Understand Union Bank of India ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| President of India | 74.76% |
| LICI ULIP-GROWTH FUND | 5.36% |
| HDFC TRUSTEE COMPANY LTD. A/C HDFC BALANCED ADVANT | 1.42% |
Distribution across major stakeholders
Distribution across major institutional holders
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 | 8.94 LCr | 7.1 LCr | -12.00% | +21.90% | - | 1.26 | - | - |
| BANKBARODA | Bank Of Baroda | 1.37 LCr | 1.57 LCr | -1.30% | +12.00% | - | 0.87 | - | - |
| PNB | Punjab National Bank | 1.18 LCr | 1.49 LCr | -6.30% | +4.90% | - | 0.79 | - | - |
| CANBK | Canara Bank | 1.17 LCr | 1.53 LCr | -5.50% | +23.90% | - | 0.76 | - | - |
| INDIANB | Indian Bank | 1.11 LCr | 78.33 kCr | -8.40% | +40.20% | - | 1.42 | - | - |
| BANKINDIA | Bank of India | 63.7 kCr | 85.65 kCr | -1.60% | +23.60% | - | 0.74 | - | - |
Comprehensive comparison against sector averages
UNIONBANK metrics compared to Banks
| Category | UNIONBANK | Banks |
|---|---|---|
| PE | 8.86 | |
| PS | 0.99 | 1.09 |
| Growth | -0.6 % | 5.4 % |
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:
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:
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.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
UNIONBANK vs Banks (2021 - 2026)