Union Bank Of India

Union Bank Of India

NSE: UNIONBANK BSE: 532477 SECTOR: Bank - Public  97k   642   159

66.23
+4.63 (7.52%)
NSE: 29 Mar 4:00 PM

Price Summary

Today's High

₹ 67.6

Today's Low

₹ 61.3

52 Week High

₹ 96.4

52 Week Low

₹ 33.5

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
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

₹ 45266.53 Cr.

CASA %

36.54

No. of Shares

683.47 Cr.

P/E

6.38

P/B

0.63

Face Value

₹ 10

Div. Yield

2.87 %

Book Value (TTM)

₹  104.75

Net Interest Income

₹ 27786.46 Cr.

Cost To Income %

45.74

Promoter Holding

83.49 %

EPS (TTM)

₹  10.37

CAR %

14.52

ROE

8.34 %

ROCE

9.48%

Profit Growth

80.05 %

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

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Index Presence

The company is present in 25 Indices.

NIFTY200

Nifty 200
8875.6
  73.5500000000011 (0.835600797541503%)

NIFTY500

Nifty 500
14345.6
  133.800000000001 (0.941471171843133%)

NIFTY500VAL50

NIFTY500 Value 50
6847.87
  113.36 (1.68327020080155%)

NIFTYALPHA

Nifty Alpha 50
25805.2
  634.650000000001 (2.52139901591344%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9500.9
  113.4 (1.20798934753661%)

NIFTYMIDCAP

NIFTY Midcap 100
29775.55
  450.799999999999 (1.53726800739988%)

NIFTYMIDCAP150

Nifty Midcap 150
11250.7
  185.050000000001 (1.67229218346867%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
10313.8
  170.65 (1.68241621192626%)

NIFTYPSUBANK

Nifty PSU Bank
3682.2
  114.85 (3.21947664232554%)

NIFTYTOTALMCAP

Nifty Total Market index
7984.8
  76.6999999999998 (0.969891630100772%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9335.95
  111.550000000001 (1.20929274532762%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

BSE200

S&P Bse 200
7279.41
  63.0299999999997 (0.873429614294152%)

BSE500

S&P Bse 500
22822.89
  214.5 (0.948762826543592%)

BSEPSU

S&P Bse PSU
9389.25
  152.200000000001 (1.64771220248889%)

MIDCAP

S&P Bse Mid Cap
23837.68
  390.939999999999 (1.66735332929011%)

FIN

S&P Bse Finance
8303.84
  77.25 (0.939028200019698%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6841.84
  60.3800000000001 (0.890368740654668%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
6741.31
  110.990000000001 (1.67397651998697%)

ALLCAP

S&P Bse Allcap
6549.12
  64.6599999999999 (0.997153193943667%)

SPBSEVIP

S&P Bse Enhanced Value
463.24
  8.19999999999999 (1.80203938115331%)

SPBSMOIP

S&P Bse Momentum
1076.32
  24.6299999999999 (2.34194486968593%)

MID150

S&P Bse 150 MidCap
8495.33
  143.41 (1.71709020201343%)

LMI250

S&P Bse 250 LargeMidCap
6882.97
  61.0100000000002 (0.8943177620508%)

MSL400

S&P Bse 400 MidSmallCap
6388.55
  106.88 (1.70145837014679%)

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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

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Ratios

ROE%

1 Year8.34%
3 Year1.41%
5 Year-6.46%

ROA%

1 Year0.46%
3 Year0.09%
5 Year-0.29%

Net NPA%

1 Year3.68%
3 Year4.6%
5 Year5.81%

 NIM

1 Year2.46%
3 Year2.37%
5 Year2.26%

CAR %

14.52

Cost of Liabilities %

3.70602934713471

PEG Ratio

0.09

Advances Growth %

11.8483613748308

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 83.49 0
Sep 2022 83.49 0
Jun 2022 83.5 0
Mar 2022 83.5 0
Dec 2021 83.49 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • CASA stands at 36.5358329427191% of total deposits.
  • The company has delivered good Profit growth of 55.7078585127336% over the past 3 years.
  • The company has delivered good Income growth of 25.8749812212621% over the past 3 years.
  • Strong Advances growth of 30.5717120412208% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.0888827804814197%
  • CASA Growth of 0.208715107770693% YoY, which is very low.
  • Company has a low ROE of 1.40846466896182% over the last 3 years.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 4.59666666666667%.
  • High Cost to income ratio of 45.7392391612774%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Interest Earned 16929.65 17174.36 18174.24 19681.7 20882.86
Other Income 2524.09 3243.08 2816.85 3276.25 3270.82
Interest Expended 9755.26 10405.01 10592.54 11376.69 12254.78
Operating Expenses 4600.29 4492.29 4950.99 5004.17 5279.75
Total Provisions 2549.58 3618.12 3281.14 4076.81 3035.91
Profit Before Tax 2548.61 1902.02 2166.42 2500.28 3583.24
Tax 1463.21 462.42 607.96 652.58 1338.44
Net Profit 1085.4 1439.6 1558.46 1847.7 2244.8
Net NPA % 4.09 3.68 3.31 2.64 2.14
Gross NPA % 11.62 11.11 10.22 8.45 7.93
Return on Assets % 0.39 0.5 0.53 0.61 0.73
NPM % 6.41 8.38 8.58 9.39 10.75

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 32748 34066.66 37231.12 68767.33 67943.95
Other Income 4989.87 4473.95 5260.79 11744.49 12524.82
Interest Expended 23443.34 23851.75 25794.37 44078.91 40157.49
Operating Expenses 6654.96 7167.63 7516.41 16765.99 18438.07
Total Provisions 14280.7 11447.89 13208.75 17267.51 13293.8
Profit Before Tax -6641.13 -3926.66 -4027.63 2399.42 8579.41
Taxes -1393.76 -979.21 -1129.85 -506.55 3347.31
Net Profit -5247.37 -2947.45 -2897.78 2905.97 5232.1
Adjusted EPS (Rs.) -44.9 -16.72 -8.47 4.54 7.66

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 1168.57 1763.02 3422.82 6406.84 6834.75
Total Reserves 23928.2 24723.99 30362.83 58069.89 63741.39
Deposits 408501.64 415915.27 450668.45 923805.34 1032392.63
Borrowings 45680.77 42863.82 52486.25 51837.11 51179.1
Other Liabilities 8100.91 8772.74 13742.92 31586.66 33443.19
Total Liabilities 487380.09 494038.84 550683.27 1071705.84 1187591.06
Assets
Balance with RBI 21016.47 20796.46 20118.3 37880.46 46112.59
Balance with Banks 28424.73 22249.51 34987.92 46529.89 73387.77
Investments 123754.22 126046.64 152413.9 331511.79 348507.39
Advances 288760.58 296932.15 315049.41 590982.88 661004.66
Net Block 3799.84 3718.72 4709.12 7281.58 7155.2
Other Assets 21590.76 24251.78 23351.23 57456.96 51387.34
Total Assets 487380.09 494038.84 550683.27 1071705.84 1187591.06
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 83.49 83.50 83.50 83.49 83.49
president of india 67.43 67.43 67.43 67.43 -
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 16.51 16.50 16.50 16.51 16.51
life insurance cor... 9.70 9.70 9.70 9.60 13.24
hdfc trustee compa... 3.40 3.37 3.37 3.47 4.64
icici prudential b... 2.49 2.68 2.37 2.11 3.11
reliance capital t... - - - - 1.20
hdfc trsutee compa... - - - - -
qualified institut... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 informs about details of interest/ principal obligations on bonds 26 Dec 2022, 4:43PM Union Bank of India raises Rs 663 crore from Tier 1 bonds to fund business growth24 Dec 2022, 11:11AM Union Bank of India subscribes stake in SUD life 21 Dec 2022, 10:30AM Union Bank of India raises Rs 2200 crore through bonds30 Nov 2022, 10:10AM Union Bank of India signs MoU with Sany Bharat22 Nov 2022, 3:18PM Union Bank of India partners with TPSSL to facilitate solar rooftop adoption in MSME sector17 Nov 2022, 12:30PM Union Bank of India secures 2nd rank in EASE reforms12 Nov 2022, 11:32AM Union Bank of India reports 23% rise in Q2 consolidated net profit21 Oct 2022, 11:35AM Union Bank Of India submits financial results 20 Oct 2022, 5:09PM Union Bank Of India - Quaterly Results20 Oct 2022, 1:32PM Union Bank Of India - Quaterly Results20 Oct 2022, 1:32PM Union Bank Of India - Quaterly Results20 Oct 2022, 1:32PM Union Bank of India disburses over Rs 1000 crore loans to women entrepreneurs30 Sep 2022, 2:30PM Union Bank of India partners with Hyundai Construction Equipment India29 Sep 2022, 3:36PM Union Bank of India informs about credit rating21 Sep 2022, 4:35PM Union Bank of India launches pilot projects in Madhya Pradesh20 Sep 2022, 9:28AM Union Bank informs about analyst meet15 Sep 2022, 12:54PM Union Bank of India wins ASSOCHAM Awards12 Sep 2022, 3:06PM Union Bank of India launches 705 new Union Gold Loan Points9 Sep 2022, 4:23PM Union Bank of India partners with JCB India 22 Aug 2022, 12:59PM Union Bank of India developing automated solution for early resolution of stressed assets 27 Jul 2022, 9:58AM Union Bank of India reports 41% rise in Q1 consolidated net profit 26 Jul 2022, 2:46PM Union Bank Of India - Quaterly Results26 Jul 2022, 1:20PM Union Bank Of India - Quaterly Results26 Jul 2022, 1:20PM Union Bank Of India - Quaterly Results26 Jul 2022, 1:20PM Union Bank of India raises Rs 1320 crore through bonds26 Jul 2022, 12:57PM Union Bank of India launches EmpowerHer16 Jul 2022, 12:27PM Union Bank of India launches MetaVerse Lounge and Open Banking Sandbox environment9 Jul 2022, 12:09PM Union Bank of India wins ‘Best ATM and Self- Service Innovation’ Award24 Jun 2022, 3:12PM Union Bank Of India informs about loss of share certificate23 Jun 2022, 4:36PM Union Bank Of India informs about annual report8 Jun 2022, 11:34AM Union Bank of India inks MoU with SIDBI2 Jun 2022, 3:14PM Union Bank informs about newspaper advertisement31 May 2022, 4:07PM Union Bank of India gets nod to raise fund through bonds26 May 2022, 5:10PM Union Bank of India launches digital accessibility initiative ‘Union Access’20 May 2022, 12:28PM Union Bank of India reports 23% rise in Q4 consolidated net profit13 May 2022, 4:23PM Union Bank Of India submits financial results13 May 2022, 3:28PM Union Bank Of India - Quaterly Results13 May 2022, 12:58PM Union Bank Of India - Quaterly Results13 May 2022, 12:58PM Union Bank Of India - Quaterly Results13 May 2022, 12:58PM

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 67943.9508 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 25.8749812212621 % in last 3 Years.

  • In terms of advances, the bank reported 11.8483613748308 % YOY,  rise . If you see 3 years advance growth, it stands at 30.5717120412208 %.

  • Currently the company has a CASA ratio of 36.5358329427191 %. It’s overall cost of liability stands at 3.70602934713471 %. Also, the total deposits from these accounts stood at Rs 1032392.6349 Cr.

  • The Bank has a Poor ROA track record. The ROA of Union Bank Of India is at 0.463161418651962 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 11.11 % and 3.68 % 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 negative at -23.0126369912164 % which means it has decreased 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 12524.8172 Cr.

  • The company has a Good Capital Adequacy Ratio of 14.52 .

  • 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 0.6323 . The historical average PB was 0.45350052417843.

Brief about Union Bank Of India

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