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Union Bank Of India share price

Union Bank Of India

NSE: UNIONBANK BSE: 532477 SECTOR: Bank - Public  233k   978   235

119.20
+2.60 (2.23%)
BSE: 23 Dec 04:01 PM

Price Summary

Today's High

₹ 119.6

Today's Low

₹ 115.85

52 Week High

₹ 172.45

52 Week Low

₹ 106.55

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
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

90992.58 Cr.

CASA %

33.58

No. of Shares

763.36 Cr.

P/E

5.95

P/B

0.9

Face Value

₹ 10

Div. Yield

3.02 %

Book Value (TTM)

₹  132.83

Net Interest Income

36570.4 Cr.

Cost To Income %

46.42

Promoter Holding

74.76 %

EPS (TTM)

₹  20.04

CAR %

16.97

ROE

16.69 %

ROCE

21.3%

Profit Growth

61.84 %

* 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 28 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 Year16.69%
3 Year12.42%
5 Year6.63%

ROA%

1 Year1.02%
3 Year0.72%
5 Year0.39%

Net NPA%

1 Year1.03%
3 Year2.14%
5 Year3.3%

 NIM

1 Year2.75%
3 Year2.64%
5 Year2.51%

CAR %

16.97

Cost of Liabilities %

5.0628

PEG Ratio

0.13

Advances Growth %

14.2983

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 74.76 0.00
Jun 2024 74.76 0.00
Mar 2024 74.76 0.00
Dec 2023 76.99 0.00
Sep 2023 76.99 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.4192%.
  • Good Capital Adequacy Ratio of 16.97%.
  • The company has delivered good Profit growth of 67.4670841276975% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.7226%
  • CASA Growth of -1.6799% YoY, which is very low.
  • High Cost to income ratio of 46.4192%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 24586.98 25362.96 26350.1 26364.39 26708.43
Other Income 3695.15 3774.3 4707.42 4509.23 5328.03
Interest Expended 15460.91 16194.95 16913.47 16952.3 17661.17
Operating Expenses 5600.38 5664.76 7611.12 6136.01 6262.53
Total Provisions 1767.87 1747.79 1259.55 2755.81 1712.2
Profit Before Tax 5452.97 5529.76 5273.38 5029.5 6400.56
Tax 1941.55 1939.85 1962.83 1350.65 1680.82
Net Profit 3511.42 3589.91 3310.55 3678.85 4719.74
Net NPA % 1.3 1.08 1.03 0.9 0.98
Gross NPA % 6.38 4.83 4.76 4.54 4.36
Return on Assets % 1.07 1.07 0.97 1.06 1.35
NPM % 14.28 14.15 12.56 13.95 17.67

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 37231.12 68767.33 67943.95 80743.34 99777.96
Other Income 5260.79 11744.49 12524.82 14633.15 16080.19
Interest Expended 25794.37 44078.91 40157.49 47978 63207.56
Operating Expenses 7516.41 16765.99 18438.07 21931.33 24439.96
Total Provisions 13208.75 17267.51 13293.8 13329.44 6780.24
Profit Before Tax -4027.63 2399.42 8579.41 12137.73 21430.39
Taxes -1129.85 -506.55 3347.31 3704.45 7782.08
Net Profit -2897.78 2905.97 5232.1 8433.28 13648.31
Adjusted EPS (Rs.) -8.47 4.54 7.66 12.34 17.88

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 3422.82 6406.84 6834.75 6834.75 7633.61
Total Reserves 30362.83 58069.89 63741.39 71499.47 89335.36
Deposits 450668.45 923805.34 1032392.63 1117716.32 1221528.37
Borrowings 52486.25 51837.11 51179.1 43137.47 26948.37
Other Liabilities 13742.92 31586.66 33443.19 41564.45 46511.91
Total Liabilities 550683.27 1071705.84 1187591.06 1280752.45 1391957.62
Assets
Balance with RBI 20118.3 37880.46 46112.59 50254.27 52897.5
Balance with Banks 34987.92 46529.89 73387.77 61896.18 66405.37
Investments 152413.9 331511.79 348507.39 339299.05 337903.53
Advances 315049.41 590982.88 661004.66 761845.46 870776.09
Net Block 4709.12 7281.58 7155.2 8805.06 9188.08
Other Assets 23351.23 57456.96 51387.34 58631.88 54752.34
Total Assets 550683.27 1071705.84 1187591.06 1280752.45 1391957.62
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 76.99 76.99 74.76 74.76 74.76
president of india 76.99 76.99 74.76 74.76 74.76
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 23.01 23.01 25.24 25.24 25.24
hdfc mutual fund - hdfc m... - - 1.28 - 1.31
lici health protection pl... - - - - 6.10
hdfc mf mid cap opportuni... - - - 1.28 -
life insurance corporatio... - - 5.83 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 - - - -

Ratings & Research Reports

Company Presentations

Company News

Union Bank Of India informs about change in directorate 21 Dec, 4:16 PM Union Bank of India informs about analysts meet 17 Dec, 5:22 PM Union Bank of India’s Q2 consolidated net profit rises 33% to Rs 4,721.83 crore 22 Oct, 12:30 PM Union Bank Of India - Quaterly Results 21 Oct, 8:03 PM Union Bank Of India - Quaterly Results 21 Oct, 8:03 PM Union Bank Of India informs about conference call 17 Oct, 12:05 PM Union Bank Of India informs about board meeting 16 Oct, 5:30 PM Union Bank of India informs about revision in ratings 21 Sep, 3:40 PM Union Bank Of India informs about loss of share certificate 19 Sep, 12:22 PM Union Bank of India informs about analyst meet 28 Aug, 5:33 PM RBI slaps penalty of Rs 1.06 crore on Union Bank of India 13 Aug, 11:08 AM Union Bank of India informs about outcome of analyst meet 13 Aug, 9:47 AM Union Bank Of India informs about cessation of director 29 Jul, 5:07 PM Union Bank of India reports 11% rise in Q1 consolidated net profit 20 Jul, 3:15 PM Union Bank Of India - Quaterly Results 19 Jul, 7:34 PM Union Bank Of India - Quaterly Results 19 Jul, 7:34 PM Union Bank Of India informs about analyst meet 16 Jul, 2:49 PM Union Bank of India informs about disclosure 6 Jul, 4:03 PM Union Bank of India’s global deposits rise 9% in Q1FY25 6 Jul, 3:52 PM Union Bank of India informs about credit ratings 21 Jun, 12:51 PM Union Bank of India gets nod to raise funds up to Rs 10,000 crore 12 Jun, 10:29 AM Union Bank of India informs about AGM 11 Jun, 5:29 PM Union Bank of India informs about loss of share certificates 7 Jun, 5:30 PM Union Bank of India informs about change in CCO 7 Jun, 12:34 PM Union Bank Of India - Quaterly Results 10 May, 8:08 PM Union Bank Of India - Quaterly Results 10 May, 8:08 PM Union Bank Of India informs about PCS certificate 20 Apr, 5:39 PM Union Bank of India raises $500 million from foreign markets 4 Apr, 12:11 PM Union Bank Of India informs about trading window resumed 28 Feb, 5:19 PM Union Bank Of India informs about disclosure 20 Feb, 2:44 PM Union Bank Of India - Quaterly Results 20 Jan, 2:07 PM Union Bank Of India - Quaterly Results 20 Jan, 2:07 PM Union Bank Of India - Quaterly Results 20 Jan, 2:07 PM Union Bank Of India informs about change in senior management 1 Jan, 11:10 AM Union Bank of India collaborates with Accenture to accelerate data-driven transformation 6 Dec, 3:12 PM Union Bank Of India informs about certificate 28 Nov, 4:37 PM Union Bank of India informs about change in CFO 20 Nov, 11:19 AM Union Bank of India informs about details of loss of certificate 4 Nov, 3:54 PM Union Bank Of India - Quaterly Results 27 Oct, 7:01 PM Union Bank Of India - Quaterly Results 27 Oct, 7:01 PM RBI imposes penalty of Rs 1 crore on Union Bank of India 16 Oct, 10:58 AM Union Bank of India informs about analyst meet 16 Sep, 11:31 AM Union Bank of India integrates CBDC with UPI to offer interoperability 11 Sep, 3:30 PM Union Bank of India introduces two new debit card variants 8 Sep, 12:18 PM Union Bank of India, Bank of Baroda, IREDA enter into MoU 6 Sep, 10:11 AM Union Bank of India offers 100% waiver of processing charges 22 Aug, 4:32 PM Union Bank of India gets nod to raise funds up to Rs 5000 crore 21 Aug, 6:26 PM Union Bank of India informs about analyst meet 8 Aug, 12:22 PM Union Bank of India informs about analyst meet 27 Jul, 5:02 PM Union Bank of India to sell eight NPA accounts worth Rs 3,000 crore to NARCL 22 Jul, 3:59 PM

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. Union Bank Of India stock price today is Rs 119.25.

  •  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 99777.9577 Cr. revenue in the latest financial year. Union Bank Of India has posted decent revenue growth of 13.2096897272799 % in last 3 Years.

  • In terms of advances, Union Bank Of India reported 14.2983 % YOY,  rise . If you see 3 years advance growth, it stands at 13.7916861316137 %.

  • Currently, Union Bank Of India has a CASA ratio of 33.5755 %. It’s overall cost of liability stands at 5.0628 %. Also, the total deposits from these accounts stood at Rs 1221528.374 Cr.

  • Union Bank Of India has a average ROA track record. The ROA of Union Bank Of India is at 1.0213 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Union Bank Of India stood at 4.76 % and 1.03 % 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 -49.1333005582539 % 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 16080.1941 Cr.

  • Union Bank Of India has a Good Capital Adequacy Ratio of 16.97 .

  • 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 0.8974 . The historical average PB was 0.600425954513904.

  • Share Price: - The current share price of Union Bank Of India is Rs 119.25. One can use valuation calculators of ticker to know if Union Bank Of India share price is undervalued or overvalued.

Last Updated on:
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 keeps its growth on reserve  

Safeguard assets have been on an upward trend at Union Bank of India; it grew from Rs 30,362.83 crores as per March 2020 to Rs 89,335.36 crores as per March 2024. This significant increase can be attributed to the excellent financial position of the bank and to its having made efforts to improve capital resources for future expansion.

Union Bank of India Deposits

The deposit has increased multifold, from Rs  4,50,668.45 crores in March, 2020 to Rs  12,21,528.37 crores in March, 2024. This growth also proved that the customers have benefited its services and that the bank has been undertaking good deposit mobilization during the years.

Facilities/Avenue taken by Union Bank 

 The credit of Union Bank of India has been reduced from Rs 52,486.25 crores in March 2020 to Rs  26,948.37 crores in March 2024. This reduction forms part of a strategic plan of reducing the levels of debt as the bank aims at enhancing its financial health.

Assets profile of the Union Bank 

The total assets have increased from Rs  5,50,683.27 crores during the year ending March 2020 to Rs  13,91,957.62 crores during March, 2024. On the same note, the amounts have also risen fromRs 3,15,049.41 crores to Rs 8,70,776.09 crores revealing the bank’s intent and tenant able ability to make advances and provide credit facilities for customer’s needs.

This kind of balance sheet analysis involves taking a look at only the balance sheet of Union Bank of India and especially to weigh its financial strength and prospects of growth. For the investing scheme, its strategic position of focusing on banking will mean that investors should keep an eye on trends in the banking industry as well as any changes in its regulation to affect Union Bank of India

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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