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Consolidated Standalone

Union Bank Of India

₹136.4 -5.7 | 4%

Market Cap ₹104122 Cr.

Stock P/E 7.2

P/B 1.1

Current Price ₹136.4

Book Value ₹ 120.3

Face Value 10

52W High ₹163.2

Dividend Yield 2.64%

52W Low ₹ 68

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.

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Union Bank Of India Share Price

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Peer Comparison

Union Bank Of India Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 17072 17028 18256 19778 20966 22163 23613 24732 25521 26510
Other Income 3161 2326 2949 3697 3669 5601 4209 4221 4281 5102
Total Income 20233 19354 21204 23475 24635 27764 27822 28953 29802 31612
Interest Expense 9762 10409 10598 11384 12242 13810 14664 15498 16236 16966
Operating Expenditure 5380 3391 5159 5497 5746 7085 5973 6189 6232 8112
Provisions and contingencies 2566 3550 3283 4101 3071 2957 2005 1773 1781 1253
Operating Profit 2526 2005 2165 2493 3576 3912 5180 5492 5554 5281
Profit Before Tax 2526 2005 2165 2493 3576 3912 5180 5492 5554 5281
Provision for Tax 1463 464 608 654 1340 1114 1940 1944 1944 1971
Profit After Tax 1062 1541 1556 1839 2236 2799 3240 3548 3610 3310
Adjustments 15 16 27 14 27 13 31 24 15 18
Profit After Adjustments 1077 1557 1583 1853 2264 2812 3272 3572 3625 3328
Adjusted Earnings Per Share 1.6 2.3 2.3 2.7 3.3 4.1 4.8 4.8 4.9 4.4

Union Bank Of India Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 25169 29394 32164 32316 32817 32952 34314 37479 69311 68230 81163 100376
Other Income 2868 3141 3957 3934 5430 5462 5042 5789 14307 13524 15915 17813
Total Income 28037 32534 36121 36250 38247 38414 39355 43268 83618 81754 97079 118189
Interest Expense 17575 21467 23640 23894 23776 23471 23896 25837 44112 40178 48033 63364
Operating Expenditure 4905 5876 6683 6716 7021 7251 7856 8188 19752 19703 23487 26506
Provisions and contingencies 2518 3151 3039 3882 7091 14298 11536 13395 17427 13307 13412 6812
Operating Profit 3037 2040 2759 1758 359 -6607 -3933 -4151 2327 8566 12147 21507
Profit Before Tax 3037 2040 2759 1758 359 -6607 -3933 -4151 2327 8566 12147 21507
Provision for Tax 906 371 1002 415 -208 -1386 -1000 -1110 -501 3358 3716 7799
Profit After Tax 2131 1670 1757 1343 567 -5221 -2933 -3041 2828 5209 8430 13708
Adjustments 25 7 3 14 6 8 11 -80 35 57 81 88
Profit After Adjustments 2157 1676 1761 1356 573 -5212 -2922 -3121 2863 5265 8512 13797
Adjusted Earnings Per Share 36.1 26.6 27.6 19.7 8.3 -44.6 -16.6 -9.1 4.5 7.7 12.5 18.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 19% 29% 20% 12%
Operating Profit CAGR 42% 0% 0% 15%
PAT CAGR 62% 0% 0% 15%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 93% 54% 12% -1%
ROE Average 12% 9% 1% 2%
ROCE Average 13% 9% 4% 5%

Union Bank Of India Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 17430 18745 19899 23048 24094 25252 26836 33989 64738 70861 78804
Minority's Interest 30 19 9 0 0 0 0 0 0 0 0
Deposits 263682 297651 317450 344118 377195 410288 417505 452436 925654 1034368 1120322
Borrowings 23797 29316 35168 30637 41225 45680 43276 52714 51922 51245 42737
Other Liabilities & Provisions 7974 9283 11043 9562 13167 9900 10964 16369 40063 37292 46495
Total Liabilities 312912 355014 383569 407365 455681 491120 498581 555509 1082377 1193766 1288357
Cash and balance with RBI 10763 18420 15064 15607 16522 21017 20800 20119 37886 46116 50258
Bank Balance 5448 4901 7539 14010 16384 28463 22363 35130 46878 73642 62341
Investments 81808 94636 85818 90573 113441 125485 128391 154251 339059 351839 343727
Advances 208102 229105 255921 268250 287950 290572 298780 317677 593320 663356 764277
Fixed Assets 2483 2622 2690 3939 3884 3812 3730 4721 7303 7171 8826
Other Assets 4295 5329 16532 14973 17479 21738 24472 23556 57869 51604 58907
Total Assets 312912 355014 383569 407365 455681 491120 498581 555509 1082377 1193766 1288357

Union Bank Of India Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 15704 16211 23321 22603 29617 32906 49480 43163 55578 84763 119758
Cash Flow from Operating Activities -4245 2570 -3567 8077 -6625 6097 -7778 -7681 20527 36339 6111
Cash Flow from Investing Activities -343 -363 -318 -872 -280 -315 -297 -377 -601 -558 -2561
Cash Flow from Financing Activities 5096 4902 3168 -191 10194 10792 1758 20144 -18861 -786 -10654
Net Cash Inflow / Outflow 507 7109 -718 7014 3289 16574 -6317 12086 1066 34995 -7104
Closing Cash & Cash Equivalent 16211 23321 22603 29617 32906 49480 43163 55249 84763 119758 112654

Union Bank Of India Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 36.14 26.59 27.61 19.73 8.33 -44.61 -16.58 -9.12 4.47 7.7 12.45
CEPS(Rs) 38.32 29.63 31.18 23.16 11.75 -41.52 -14.52 -7.67 5.83 8.71 13.42
DPS(Rs) 8 4 6 1.95 0 0 0 0 0 1.9 3
Book NAV/Share(Rs) 265.14 272.49 290.58 297.73 306.88 196.05 138.95 89.73 93.24 96.57 106.17
Yield on Advances 12.09 12.83 12.57 12.05 11.4 11.34 11.48 11.8 11.68 10.29 10.62
Yield on Investments 7.61 8.28 9.46 9.38 9.64 8.12 7.62 7.88 7.48 6.73 6.55
Cost of Liabilities 6.11 6.57 6.7 6.38 5.68 5.15 5.19 5.11 4.51 3.7 4.13
NIM (Net Interest Margin) 2.48 2.28 2.34 2.17 2.08 2.04 2.21 2.21 2.48 2.47 2.71
Interest Spread 5.98 6.26 5.86 5.67 5.71 6.19 6.3 6.68 7.17 6.58 6.49
ROA(%) 0.74 0.5 0.48 0.34 0.13 -1.1 -0.59 -0.58 0.35 0.46 0.68
ROE(%) 14.72 10.12 9.86 6.9 2.73 -23.73 -12.38 -11.02 6.25 8.28 12.17
ROCE(%) 11.01 8.22 9.26 6.57 3.58 -6.92 -3.03 -3.01 5.51 9.44 12.97
PER(x) 6.03 5.16 5.68 6.63 18.72 0 0 0 7.62 5.03 5.34
Price/Book(x) 0.82 0.5 0.54 0.44 0.51 0.48 0.69 0.32 0.37 0.4 0.63
Dividend Yield(%) 3.67 2.92 3.83 1.49 0 0 0 0 0 4.9 4.51
EV/Net Sales(x) 1.47 1.3 1.4 1.23 1.58 1.72 1.75 1.67 1.07 1.14 1.09
EV/Core EBITDA(x) 6.65 7.33 7.78 7.03 6.97 7.37 7.92 6.78 3.74 3.56 3.45
Interest Earned Growth(%) 18.99 16.79 9.43 0.47 1.55 0.41 4.13 9.23 84.93 -1.56 18.96
Net Profit Growth 21.38 -21.66 5.26 -23.59 -57.8 -1021.15 43.81 -3.66 193 84.17 61.86
Advances Growth 16.99 10.09 11.7 4.82 7.34 0.91 2.82 6.32 86.77 11.8 15.21
EPS Growth(%) 12.28 -26.41 3.82 -28.53 -57.78 -635.47 62.84 44.99 149.02 72.37 61.65
Loans/Deposits(x) 9.02 9.85 11.08 8.9 10.93 11.13 10.37 11.65 5.61 4.95 3.81
Cash/Deposits(x) 0.04 0.06 0.05 0.05 0.04 0.05 0.05 0.04 0.04 0.04 0.04
Current Ratio(x) 0.31 0.32 0.27 0.26 0.3 0.31 0.31 0.34 0.37 0.34 0.31
Quick Ratio(x) 9.02 9.85 11.08 8.9 10.93 11.13 10.37 11.65 5.61 4.95 3.81
CASA % 30.95 29.5 29.19 32.24 33.91 33.95 35.98 35.47 36.27 36.48 35.18

Union Bank Of India Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 83.49 83.49 83.49 83.49 83.49 83.49 83.49 76.99 76.99 74.76
FII 1.19 1.18 1.13 1.43 1.62 1.67 1.46 2.88 3.97 6.76
DII 7.02 7.05 6.91 7.05 8.38 8.28 7.88 12.7 12.29 12.25
Public 8.3 8.27 8.47 8.02 6.5 6.56 7.16 7.43 6.75 6.24
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Company has a low return on equity of 9% 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.

Union Bank Of India News

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