Union Bank Of India

NSE: UNIONBANK BSE: 532477 SECTOR: Bank - Public  82k   568   152

81.65
-0.55 (-0.67%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 83.7

Today's Low

₹ 79.8

52 Week High

₹ 82.7

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.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

55805.71 Cr.

CASA %

36.54

No. of Shares

683.47 Cr.

P/E

9.41

P/B

0.75

Face Value

₹ 10

Div. Yield

2.34 %

Book Value (TTM)

₹  108.42

Net Interest Income

27786.46 Cr.

Cost To Income %

45.74

Promoter Holding

83.49 %

EPS (TTM)

₹  8.68

CAR %

14.52

ROE

7.75 %

ROCE

9.48%

Profit Growth

80.05 %

* 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 23 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

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

 Group Companies

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Ratios

ROE%

1 Year7.75%
3 Year1.1%
5 Year-6.65%

ROA%

1 Year0.98%
3 Year0.26%
5 Year-0.19%

Net NPA%

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

 NIM

1 Year3.56%
3 Year2.73%
5 Year2.48%

CAR %

14.52

Cost of Liabilities %

3.70602934713471

PEG Ratio

0.14

Advances Growth %

11.8483613748308

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 83.49 0
Jun 2022 83.5 0
Mar 2022 83.5 0
Dec 2021 83.49 0
Sep 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 0.259964041013776%
  • CASA Growth of 0.208715107770693% YoY, which is very low.
  • Company has a low ROE of 1.098938244945% 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 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Interest Earned 16705.71 16929.65 17174.36 18174.24 19681.7
Other Income 3978.24 2524.09 3243.08 2816.85 3276.25
Interest Expended 9876.44 9755.26 10405.01 10592.54 11376.69
Operating Expenses 4733.98 4600.29 4492.29 4950.99 5004.17
Total Provisions 3723.75 2549.58 3618.12 3281.14 4076.81
Profit Before Tax 2349.78 2548.61 1902.02 2166.42 2500.28
Tax 823.66 1463.21 462.42 607.96 652.58
Net Profit 1526.12 1085.4 1439.6 1558.46 1847.7
Net NPA % 4.61 4.09 3.68 3.31 2.64
Gross NPA % 12.64 11.62 11.11 10.22 8.45
Return on Assets % 0.56 0.39 0.5 0.53 0.61
NPM % 9.14 6.41 8.38 8.58 9.39

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 0
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 0
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 0
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 83.49 83.49 83.50 83.50 83.49
president of india 67.43 67.43 67.43 67.43 -
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 16.51 16.51 16.50 16.50 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
qualified institut... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 launches digital solution product ‘Trade nxt’12 May 2022, 2:16PM Union Bank of India rolls out SARAS to monitor stressed loans26 Apr 2022, 2:35PM Union Bank of India to invest Rs 1,000 crore in technology over two fiscal years7 Apr 2022, 11:14AM Union Bank of India inks agreement to sell 8% stake in ISARC to Dhansamridhi Finance7 Apr 2022, 9:48AM Union Bank Of India informs about disclosure4 Apr 2022, 1:22PM Union Bank Of India informs about disclosure2 Apr 2022, 10:41AM Union Bank Of India informs about trading window closure25 Mar 2022, 2:59PM Union Bank of India raises Rs 1500 crore through bonds3 Mar 2022, 9:08AM Union Bank Of India informs about allotment of bonds2 Mar 2022, 4:11PM Union Bank of India to raise Rs 1,500 crore through bonds28 Feb 2022, 3:51PM Union Bank of India, NPCI launch credit card for borrowers to meet business expenses26 Feb 2022, 9:46AM Union Bank Of India informs about audio recording of investor conference call8 Feb 2022, 4:34PM Union Bank of India reports 50% rise in Q3 consolidated net profit7 Feb 2022, 4:26PM

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 0.97640520024903 %.

  • 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 0.7457 . The historical average PB was 0.442512415775047.

Brief about Union Bank Of India

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