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Union Bank Of India share price

Union Bank Of India

NSE: UNIONBANK BSE: 532477 SECTOR: Bank - Public  182k   887   214

139.15
0 0
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 141.2

Today's Low

₹ 139

52 Week High

₹ 163.15

52 Week Low

₹ 68

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

106221.62 Cr.

CASA %

35.26

No. of Shares

763.36 Cr.

P/E

7.78

P/B

1.16

Face Value

₹ 10

Div. Yield

2.55 %

Book Value (TTM)

₹  119.63

Net Interest Income

32765.34 Cr.

Cost To Income %

46.27

Promoter Holding

74.76 %

EPS (TTM)

₹  17.88

CAR %

16.04

ROE

12.22 %

ROCE

12.97%

Profit Growth

61.18 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 27 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year12.22%
3 Year9%
5 Year0.78%

ROA%

1 Year0.68%
3 Year0.5%
5 Year0.07%

Net NPA%

1 Year1.7%
3 Year3.33%
5 Year4.47%

 NIM

1 Year2.7%
3 Year2.54%
5 Year2.4%

CAR %

16.04

Cost of Liabilities %

4.13299212084254

PEG Ratio

0.13

Advances Growth %

15.2556858809583

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 74.76 0
Dec 2023 76.99 0
Sep 2023 76.99 0
Jun 2023 83.49 0
Mar 2023 83.49 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 35.255406872371% of total deposits.
  • Good Capital Adequacy Ratio of 16.04%.
  • The company has delivered good Profit growth of 69.968369643231% over the past 3 years.
  • The company has delivered good Income growth of 29.4391736813494% over the past 3 years.
  • Strong Advances growth of 34.2237615076439% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.501569662762536%
  • CASA Growth of -1.2804260703481% YoY, which is very low.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.33333333333333%.
  • High Cost to income ratio of 46.2701009463889%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 22004.54 23477.93 24586.98 25362.96 26350.1
Other Income 5269.23 3903.32 3695.15 3774.3 4707.42
Interest Expended 13753.99 14638.23 15460.91 16194.95 16913.47
Operating Expenses 6696.42 5563.7 5600.38 5664.76 7611.12
Total Provisions 2935.58 2005.03 1767.87 1747.79 1259.55
Profit Before Tax 3887.78 5174.29 5452.97 5529.76 5273.38
Tax 1105.47 1937.85 1941.55 1939.85 1962.83
Net Profit 2782.31 3236.44 3511.42 3589.91 3310.55
Net NPA % 1.7 1.58 1.3 1.08 1.03
Gross NPA % 7.53 7.34 6.38 4.83 4.76
Return on Assets % 0.88 1 1.07 1.07 0.97
NPM % 12.64 13.79 14.28 14.15 12.56

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 34066.66 37231.12 68767.33 67943.95 80743.34
Other Income 4473.95 5260.79 11744.49 12524.82 14633.15
Interest Expended 23851.75 25794.37 44078.91 40157.49 47978
Operating Expenses 7167.63 7516.41 16765.99 18438.07 21931.33
Total Provisions 11447.89 13208.75 17267.51 13293.8 13329.44
Profit Before Tax -3926.66 -4027.63 2399.42 8579.41 12137.73
Taxes -979.21 -1129.85 -506.55 3347.31 3704.45
Net Profit -2947.45 -2897.78 2905.97 5232.1 8433.28
Adjusted EPS (Rs.) -16.72 -8.47 4.54 7.66 12.34

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 1763.02 3422.82 6406.84 6834.75 6834.75
Total Reserves 24723.99 30362.83 58069.89 63741.39 71499.47
Deposits 415915.27 450668.45 923805.34 1032392.63 1117716.32
Borrowings 42863.82 52486.25 51837.11 51179.1 43137.47
Other Liabilities 8772.74 13742.92 31586.66 33443.19 41564.45
Total Liabilities 494038.84 550683.27 1071705.84 1187591.06 1280752.45
Assets
Balance with RBI 20796.46 20118.3 37880.46 46112.59 50254.27
Balance with Banks 22249.51 34987.92 46529.89 73387.77 61896.18
Investments 126046.64 152413.9 331511.79 348507.39 339299.05
Advances 296932.15 315049.41 590982.88 661004.66 761845.46
Net Block 3718.72 4709.12 7281.58 7155.2 8805.06
Other Assets 24251.78 23351.23 57456.96 51387.34 58631.88
Total Assets 494038.84 550683.27 1071705.84 1187591.06 1280752.45
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 83.49 83.49 76.99 76.99 74.76
president of india 83.49 83.49 76.99 76.99 74.76
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 16.51 16.51 23.01 23.01 25.24
hdfc mutual fund - hdfc m... - - - - 1.28
life insurance corporatio... 5.64 5.64 - - 5.83
hdfc mutual fund- hdfc hy... - - - 1.34 -
lic health plus non unit ... - - 5.98 5.98 -
hdfc mutual fund-hdfc hyb... - - 1.31 - -
hdfc trustee company ltd-... 1.04 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Union Bank Of India - Quaterly Results10 May 2024, 8:08PM Union Bank Of India - Quaterly Results10 May 2024, 8:08PM Union Bank Of India informs about PCS certificate20 Apr 2024, 5:39PM Union Bank of India raises $500 million from foreign markets 4 Apr 2024, 12:11PM Union Bank Of India informs about trading window resumed28 Feb 2024, 5:19PM Union Bank Of India informs about disclosure20 Feb 2024, 2:44PM Union Bank Of India - Quaterly Results20 Jan 2024, 2:07PM Union Bank Of India - Quaterly Results20 Jan 2024, 2:07PM Union Bank Of India - Quaterly Results20 Jan 2024, 2:07PM Union Bank Of India informs about change in senior management 1 Jan 2024, 11:10AM Union Bank of India collaborates with Accenture to accelerate data-driven transformation6 Dec 2023, 3:12PM Union Bank Of India informs about certificate28 Nov 2023, 4:37PM Union Bank of India informs about change in CFO 20 Nov 2023, 11:19AM Union Bank of India informs about details of loss of certificate 4 Nov 2023, 3:54PM Union Bank Of India - Quaterly Results27 Oct 2023, 7:01PM Union Bank Of India - Quaterly Results27 Oct 2023, 7:01PM RBI imposes penalty of Rs 1 crore on Union Bank of India16 Oct 2023, 10:58AM Union Bank of India informs about analyst meet 16 Sep 2023, 11:31AM Union Bank of India integrates CBDC with UPI to offer interoperability11 Sep 2023, 3:30PM Union Bank of India introduces two new debit card variants8 Sep 2023, 12:18PM Union Bank of India, Bank of Baroda, IREDA enter into MoU6 Sep 2023, 10:11AM Union Bank of India offers 100% waiver of processing charges22 Aug 2023, 4:32PM Union Bank of India gets nod to raise funds up to Rs 5000 crore21 Aug 2023, 6:26PM Union Bank of India informs about analyst meet 8 Aug 2023, 12:22PM Union Bank of India informs about analyst meet27 Jul 2023, 5:02PM Union Bank of India to sell eight NPA accounts worth Rs 3,000 crore to NARCL22 Jul 2023, 3:59PM Union Bank of India reports over 2-fold jump in Q1 consolidated net profit21 Jul 2023, 10:40AM Union Bank Of India - Quaterly Results20 Jul 2023, 7:49PM Union Bank Of India - Quaterly Results20 Jul 2023, 7:49PM Union Bank of India introduces MSSC 2023 Scheme across branches 6 Jul 2023, 12:11PM Union Bank of India inks MoU with IIT (BHU) Varanasi for setting up joint incubation centre19 Jun 2023, 4:35PM Union Bank of India informs about investor meet7 Jun 2023, 2:32PM Union Bank of India inks pact with Intellect Design Arena17 May 2023, 2:52PM Union Bank of India reports 81% rise in Q4 consolidated net profit6 May 2023, 4:11PM Union Bank of India submits financial results6 May 2023, 3:44PM Union Bank Of India informs about presentation6 May 2023, 2:29PM Union Bank Of India - Quaterly Results6 May 2023, 1:41PM Union Bank Of India - Quaterly Results6 May 2023, 1:41PM Union Bank Of India - Quaterly Results6 May 2023, 1:41PM Union Bank of India gets nod to raise funds through various modes26 Apr 2023, 2:29PM Union Bank Of India informs about analyst meet 21 Mar 2023, 5:12PM Union Bank informs about transcript of earnings call28 Jan 2023, 11:54AM Union Bank of India reports over two-fold jump in Q3 consolidated net profit20 Jan 2023, 6:06PM Union Bank Of India - Quaterly Results20 Jan 2023, 1:24PM Union Bank Of India - Quaterly Results20 Jan 2023, 1:24PM Union Bank Of India - Quaterly Results20 Jan 2023, 1:24PM Union Bank of India signs MoU with Tata Hitachi 20 Jan 2023, 9:20AM Union Bank of India partners with Garuda Aerospace13 Jan 2023, 5:31PM Union Bank Of India informs about payment of interest 4 Jan 2023, 10:45AM Union Bank of India bags two awards under BFSI segment28 Dec 2022, 4:47PM

Union Bank Of India Stock Price Analysis and Quick Research Report. Is Union Bank Of India an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Union Bank Of India is performing and if it is the right time to buy the stock of Union Bank Of India with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Union Bank Of India has earned Rs 80743.3386 Cr. revenue in the latest financial year. Union Bank Of India has posted outstanding revenue growth of 29.4391736813494 % in last 3 Years.

  • In terms of advances, Union Bank Of India reported 15.2556858809583 % YOY,  rise . If you see 3 years advance growth, it stands at 34.2237615076439 %.

  • Currently, Union Bank Of India has a CASA ratio of 35.255406872371 %. It’s overall cost of liability stands at 4.13299212084254 %. Also, the total deposits from these accounts stood at Rs 1117716.322 Cr.

  • Union Bank Of India has a average ROA track record. The ROA of Union Bank Of India is at 0.683314754070315 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Union Bank Of India stood at 7.53 % and 1.7 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 0.268049721184727 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Union Bank Of India surged and is currently at Rs 14633.153 Cr.

  • Union Bank Of India has a Good Capital Adequacy Ratio of 16.04 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Union Bank Of India is trading at a P/B of 1.1798 . The historical average PB was 0.482731947065369.

  • Share Price: - The current share price of Union Bank Of India is Rs 139.15. One can use valuation calculators of ticker to know if Union Bank Of India share price is undervalued or overvalued.

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Brief about Union Bank Of India

Union Bank Of India Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

Union Bank of India is a prominent public sector bank in India, providing a range of banking and financial services to its customers. In this article, we will provide a comprehensive analysis of Union Bank of India's stock from a long-term investor's perspective. We will cover various topics such as share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

Union Bank Of India Share Price:

Union Bank of India's share price is an essential indicator of investor sentiment towards the company. The share price is influenced by various factors such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's share price and identify any trends or patterns. The company's share price has shown a volatile trend over the past few years, reflecting the impact of various macroeconomic factors on the banking sector.

Union Bank Of India Balance Sheet:

Union Bank of India's balance sheet provides crucial information about its financial health. The company's assets include cash and cash equivalents, loans and advances, and investments, while liabilities include deposits, borrowings, and other liabilities. Equity includes share capital, reserves, and surplus. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's balance sheet and identify any red flags. The company's balance sheet has shown a stable trend over the past few years, reflecting the company's strong financial position.

Union Bank Of India Annual Report:

Union Bank of India releases an annual report every year, which provides detailed information about the company's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Long-term investors can download Union Bank of India's annual report from our website and use it to make informed investment decisions. The annual report provides valuable insights into the company's operations and financial performance.

Union Bank Of India Dividend:

Union Bank of India has a consistent dividend payout history. The company has been paying dividends regularly, reflecting the company's strong financial position. Long-term investors should consider this when evaluating Union Bank of India's stock. Our pre-built screening tools can be used to analyze the company's dividend history and identify any trends or patterns.

Union Bank Of India Quarterly Results:

Union Bank of India releases its quarterly results every three months. The quarterly results provide information about the company's revenue, earnings, and expenses. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the company's financial health and performance.

Union Bank Of India Stock Price:

The stock price of Union Bank of India is affected by various factors such as the company's financial performance, global economic conditions, and market sentiment. Long-term investors can use our pre-built screening tools to track Union Bank of India's stock price and identify potential buying opportunities. The stock price of Union Bank of India has shown a volatile trend over the past few years, reflecting the impact of various macroeconomic factors on the banking sector.

Union Bank Of India Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's price chart and identify any trends or patterns. The price chart shows that the stock price of Union Bank of India has shown a volatile trend over the past few years, reflecting the impact of various macroeconomic factors on the banking sector.

Union Bank Of India News:

Keeping up to date with the latest news about Union Bank of India is important for investors. Our website provides the latest news about Union Bank of India from various sources such as financial news websites and social media. Long-term investors can use this information to make informed investment decisions.

Union Bank Of India Concall:

Union Bank of India holds conference calls with analysts and investors to discuss its financial performance and future plans. Long-term investors can listen to Union Bank of India's concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

Union Bank Of India Transcripts:

Transcripts of Union Bank of India's concalls are available on our website. Long-term investors can download the transcripts and use them to analyze the company's financial performance and future plans. The transcripts provide valuable insights into the company's operations and financial performance.

Union Bank Of India Investor Presentations:

Union Bank of India provides investor presentations on its website. These presentations provide information about the company's financial performance, strategic initiatives, and future plans. Long-term investors can download Union Bank of India's investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the company's operations and financial performance.

Union Bank Of India Promoters:

Promoters are individuals or entities that have a significant stake in a company. Union Bank of India's promoters include the Government of India. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's promoter holdings and identify any potential conflicts of interest. The promoter holdings of Union Bank of India are relatively stable, which is a positive sign for long-term investors.

Union Bank Of India Shareholders:

Union Bank of India has a large number of shareholders, including institutional investors and individual investors. Long-term investors can use our pre-built screening tools to analyze Union Bank of India's shareholder base and identify any potential risks or opportunities. The shareholder base of Union Bank of India is diverse, which is a positive sign for long-term investors.

Union Bank Of India Premium Features:

Our website provides premium features tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These tools can help long-term investors make better investment decisions by providing more detailed insights into the company's financial performance and valuation.

Union Bank Of India ROCE

Welcome to our Union Bank Of India stock analysis page. Here, you can find comprehensive information about the company's financial performance. The Return on Capital Employed (ROCE) is a key financial ratio that measures the profitability and efficiency of a company's capital investments. It is calculated by dividing the Earnings Before Interest and Tax (EBIT) by the Capital Employed. The ROCE ratio gives investors an insight into how effectively the company is utilizing its capital to generate returns. You can find the latest ROCE data for Union Bank Of India in the financials table or ratio section above.

Union Bank Of India EBITDA

As a stock analysis page specializing in Union Bank Of India, we are dedicated to providing you with accurate and up-to-date information. EBITDA stands for Earnings Before Interest, Tax, Depreciation, and Amortization. This financial ratio is an indicator of a company's operating performance and is calculated by subtracting operating expenses, excluding interest, tax, depreciation, and amortization, from the revenue. EBITDA provides a clearer view of a company's profitability by removing the effects of non-operating items. You can find Union Bank Of India's EBITDA data in the financials table or ratio section above.

Union Bank Of India DPS

At this Union Bank Of India stock analysis page, we understand the importance of dividend payments to investors. DPS stands for Dividends Per Share, which is the amount of dividend distributed to shareholders per share of stock. Dividends are typically paid out from a company's earnings as a way to reward shareholders. Investors often consider DPS as one of the factors when evaluating their investment decisions. You can find the dividend data for Union Bank Of India in the financials table or ratio section above.

Union Bank Of India EPS

Union Bank Of India stock analysis page is committed to providing investors with valuable insights. EPS stands for Earnings Per Share, which is calculated by dividing the net income of a company by the total number of outstanding shares. EPS is a widely-used financial ratio as it provides a measure of a company's profitability on a per-share basis. It is often used by investors to assess the company's performance and compare it with other companies in the industry. You can find the EPS data for Union Bank Of India in the financials table or ratio section above.

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