Union Bank Of India

₹128.3 -0.5 | 0.4%

WEBSITE BSE:532477 NSE : UNION BANK L 09 Dec, 12:27

Market Cap ₹97939 Cr.

Stock P/E 7.2

P/B 1

Current Price ₹128.3

Book Value ₹ 133.5

Face Value 10

52W High ₹172.5

Dividend Yield 2.81%

52W Low ₹ 106.6

Edit Ratio

Union Bank Of India Research see more...

Overview Inc. Year: 1919Industry: Bank - Public

Union Bank of India is an India-based banking corporation. The Company's segments consist of Treasury Operations, Corporate and Wholesale Banking and Other Banking Operations. The Company gives merchandise in 3 classes, including corporate loans, personal loans and global. Its private products consist of bills and deposits, loans, which includes retail, micro, small and medium firms (MSME), wealth control, financial schemes and lockers/other services. Its company loans include exchange finance, working capital, line of credit, project financing, and channel finance. Its global offerings include non-resident Indian fast and smooth remittances, Internet Banking, global debit/credit cards, home loans, special deposit schemes, and online donation facility. It presents virtual offerings, which include app banking, Internet banking, automatic teller system banking and immediate payment service (IMPS). It additionally affords overseas currency loans.

Union Bank Of India Share Price

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Union Bank Of India Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Interest Earned	18256	19778	20966	22163	23613	24732	25521	26510	26527	26887
Other Income	2949	3697	3669	5601	4209	4221	4281	5102	4799	5926
Total Income	21204	23475	24635	27764	27822	28953	29802	31612	31325	32812
Interest Expense	10598	11384	12242	13810	14664	15498	16236	16966	17004	17720
Operating Expenditure	5159	5497	5746	7085	5973	6189	6232	8112	6510	6947
Provisions and contingencies	3283	4101	3071	2957	2005	1773	1781	1253	2857	1739
Operating Profit	2165	2493	3576	3912	5180	5492	5554	5281	4954	6406
Profit Before Tax	2165	2493	3576	3912	5180	5492	5554	5281	4954	6406
Provision for Tax	608	654	1340	1114	1940	1944	1944	1971	1354	1684
Profit After Tax	1556	1839	2236	2799	3240	3548	3610	3310	3601	4722
Adjustments	27	14	27	13	31	24	15	18	41	29
Profit After Adjustments	1583	1853	2264	2812	3272	3572	3625	3328	3642	4751
Adjusted Earnings Per Share	2.3	2.7	3.3	4.1	4.8	4.8	4.9	4.4	4.8	6.2

Union Bank Of India Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	29394	32164	32316	32817	32952	34314	37479	69311	68230	81163	100376	105445
Other Income	3141	3957	3934	5430	5462	5042	5789	14307	13524	15915	17813	20108
Total Income	32534	36121	36250	38247	38414	39355	43268	83618	81754	97079	118188	125551
Interest Expense	21467	23640	23894	23776	23471	23896	25837	44112	40178	48033	63364	67926
Operating Expenditure	5876	6683	6716	7021	7251	7856	8188	19752	19703	23487	26506	27801
Provisions and contingencies	3151	3039	3882	7091	14298	11536	13395	17427	13307	13412	6811	7630
Operating Profit	2040	2759	1758	359	-6607	-3933	-4151	2327	8566	12147	21508	22195
Profit Before Tax	2040	2759	1758	359	-6607	-3933	-4151	2327	8566	12147	21508	22195
Provision for Tax	371	1002	415	-208	-1386	-1000	-1110	-501	3358	3716	7799	6953
Profit After Tax	1670	1757	1343	567	-5221	-2933	-3041	2828	5209	8430	13709	15243
Adjustments	7	3	14	6	8	11	-80	35	57	81	88	103
Profit After Adjustments	1676	1761	1356	573	-5212	-2922	-3121	2863	5265	8512	13797	15346
Adjusted Earnings Per Share	26.6	27.6	19.7	8.3	-44.6	-16.6	-9.1	4.5	7.7	12.5	18.1	20.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	24%	13%	24%	13%
Operating Profit CAGR	77%	110%	0%	27%
PAT CAGR	63%	69%	0%	23%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	7%	40%	18%	-5%
ROE Average	17%	12%	6%	2%
ROCE Average	21%	15%	9%	6%

Union Bank Of India Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	18745	19899	23048	24094	25252	26836	33989	64738	70861	78804	97598
Minority's Interest	19	9	0	0	0	0	0	0	0	0	0
Deposits	297651	317450	344118	377195	410288	417505	452436	925654	1034368	1120322	1224593
Borrowings	29316	35168	30637	41225	45680	43276	52714	51922	51245	42737	26974
Other Liabilities & Provisions	9283	11043	9562	13167	9900	10964	16369	40063	37292	46495	52831
Total Liabilities	355014	383569	407365	455681	491120	498581	555509	1082377	1193766	1288357	1401996
Cash and balance with RBI	18420	15064	15607	16522	21017	20800	20119	37886	46116	50258	52902
Bank Balance	4901	7539	14010	16384	28463	22363	35130	46878	73642	62341	66744
Investments	94636	85818	90573	113441	125485	128391	154251	339059	351839	343727	343953
Advances	229105	255921	268250	287950	290572	298780	317677	593320	663356	764277	874080
Fixed Assets	2622	2690	3939	3884	3812	3730	4721	7303	7171	8826	9224
Other Assets	5329	16532	14973	17479	21738	24472	23556	57869	51604	58907	55058
Total Assets	355014	383569	407365	455681	491120	498581	555509	1082377	1193766	1288357	1401996

Union Bank Of India Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	16211	23321	22603	29617	32906	49480	43163	55578	84763	119758	112599
Cash Flow from Operating Activities	2570	-3567	8077	-6625	6097	-7778	-7681	20527	36339	6056	19930
Cash Flow from Investing Activities	-363	-318	-872	-280	-315	-297	-377	-601	-558	-2561	-1394
Cash Flow from Financing Activities	4902	3168	-191	10194	10792	1758	20144	-18861	-786	-10654	-11489
Net Cash Inflow / Outflow	7109	-718	7014	3289	16574	-6317	12086	1066	34995	-7159	7047
Closing Cash & Cash Equivalent	23321	22603	29617	32906	49480	43163	55249	84763	119758	112599	119646

Union Bank Of India Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	26.59	27.61	19.73	8.33	-44.61	-16.58	-9.12	4.47	7.7	12.45	18.07
CEPS(Rs)	29.63	31.18	23.16	11.75	-41.52	-14.52	-7.67	5.83	8.71	13.42	19.13
DPS(Rs)	4	6	1.95	0	0	0	0	0	1.9	3	3.6
Book NAV/Share(Rs)	272.49	290.58	297.73	306.88	196.05	138.95	89.73	93.24	96.57	106.17	120.32
Yield on Advances	12.83	12.57	12.05	11.4	11.34	11.48	11.8	11.68	10.29	10.62	11.48
Yield on Investments	8.28	9.46	9.38	9.64	8.12	7.62	7.88	7.48	6.73	6.55	7.16
Cost of Liabilities	6.57	6.7	6.38	5.68	5.15	5.19	5.11	4.51	3.7	4.13	5.06
NIM (Net Interest Margin)	2.28	2.34	2.17	2.08	2.04	2.21	2.21	2.48	2.47	2.71	2.77
Interest Spread	6.26	5.86	5.67	5.71	6.19	6.3	6.68	7.17	6.58	6.49	6.42
ROA(%)	0.5	0.48	0.34	0.13	-1.1	-0.59	-0.58	0.35	0.46	0.68	1.02
ROE(%)	10.12	9.86	6.9	2.73	-23.73	-12.38	-11.02	6.25	8.28	12.17	16.68
ROCE(%)	8.22	9.26	6.57	3.58	-6.92	-3.03	-3.01	5.51	9.44	12.97	21.33
PER(x)	5.16	5.68	6.63	18.72	0	0	0	7.62	5.03	5.34	8.49
Price/Book(x)	0.5	0.54	0.44	0.51	0.48	0.69	0.32	0.37	0.4	0.63	1.28
Dividend Yield(%)	2.92	3.83	1.49	0	0	0	0	0	4.9	4.51	2.35
EV/Net Sales(x)	1.3	1.4	1.23	1.58	1.72	1.75	1.67	1.07	1.14	1.09	1.44
EV/Core EBITDA(x)	7.33	7.78	7.03	6.97	7.37	7.92	6.78	3.74	3.56	3.45	5.09
Interest Earned Growth(%)	16.79	9.43	0.47	1.55	0.41	4.13	9.23	84.93	-1.56	18.96	23.67
Net Profit Growth	-21.66	5.26	-23.59	-57.8	-1021.15	43.81	-3.66	193	84.17	61.86	62.61
Advances Growth	10.09	11.7	4.82	7.34	0.91	2.82	6.32	86.77	11.8	15.21	14.37
EPS Growth(%)	-26.41	3.82	-28.53	-57.78	-635.47	62.84	44.99	149.02	72.37	61.65	45.13
Loans/Deposits(x)	9.85	11.08	8.9	10.93	11.13	10.37	11.65	5.61	4.95	3.81	2.2
Cash/Deposits(x)	0.06	0.05	0.05	0.04	0.05	0.05	0.04	0.04	0.04	0.04	0.04
Current Ratio(x)	0.32	0.27	0.26	0.3	0.31	0.31	0.34	0.37	0.34	0.31	0.28
Quick Ratio(x)	9.85	11.08	8.9	10.93	11.13	10.37	11.65	5.61	4.95	3.81	2.2
CASA %	29.5	29.19	32.24	33.91	33.95	35.98	35.47	36.27	36.48	35.18	33.49

Union Bank Of India Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	83.49	83.49	83.49	83.49	83.49	76.99	76.99	74.76	74.76	74.76
FII	1.13	1.43	1.62	1.67	1.46	2.88	3.97	6.76	7.37	6.89
DII	6.91	7.05	8.38	8.28	7.88	12.7	12.29	12.25	11.38	11.23
Public	8.47	8.02	6.5	6.56	7.16	7.43	6.75	6.24	6.5	7.12
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	570.67	570.67	570.67	570.67	570.67	570.67	570.67	570.67	570.67	570.67
FII	7.73	9.79	11.09	11.39	9.99	21.37	29.42	51.58	56.23	52.62
DII	47.21	48.18	57.31	56.6	53.86	94.13	91.09	93.49	86.87	85.73
Public	57.87	54.84	44.42	44.82	48.96	55.08	50.06	47.62	49.59	54.34
Others	0	0	0	0	0	0	0	0	0	0
Total	683.47	683.47	683.47	683.47	683.47	741.24	741.24	763.36	763.36	763.36

Pros

Company has reduced debt.
Company is almost debt free.

Cons

Company has a low return on equity of 12% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Union Bank Of India

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Union Bank Of India Research see more...

Overview Inc. Year: 1919Industry: Bank - Public

Union Bank Of India Share Price

Alert Data

Quarterly Price

Peer Comparison

Union Bank Of India Quarterly Results

Union Bank Of India Profit & Loss

Growth Rates

Union Bank Of India Balance Sheet

Union Bank Of India Cash Flow

Union Bank Of India Ratios

Union Bank Of India Shareholding Pattern

Union Bank Of India News

Top Unlisted Companies & InstaBuy Companies

Fincare Small Finance Bank

IPO

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