Union Bank of India

121.42

-2.71

(-2.18%)

Market Cap (₹ Cr.)

₹94,733

52 Week High

172.50

Book Value

₹120

52 Week Low

91.25

PE Ratio

6.69

PB Ratio

0.97

PE for Sector

17.46

PB for Sector

1.87

ROE

14.05 %

ROCE

6.05 %

Dividend Yield

2.90 %

EPS

₹18.56

Industry

Banks

Sector

Banks - Public Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

21.75 %

Net Income Growth

62.61 %

Cash Flow Change

229.10 %

ROE

31.30 %

ROCE

29.60 %

EBITDA Margin (Avg.)

15.63 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	9,384	9,043	9,101	8,802	8,884	8,917	9,348	9,589	9,771	9,568	9,440	9,134	9,597	9,909	9,438	9,573	9,621	9,887	10,557	10,741	11,307	19,891	20,218	20,057	19,805	19,914	20,684	19,454	20,417	20,991	22,958	24,154	27,274	27,381	28,282	29,137	31,058	30,874
Expenses	2,622	2,068	2,083	2,793	3,236	2,870	3,217	3,295	4,143	3,304	5,154	5,021	7,456	3,974	3,276	3,456	7,909	3,141	5,667	3,663	8,255	7,387	8,144	9,505	8,457	8,014	8,458	7,150	8,110	8,232	9,081	8,316	9,632	7,569	7,368	7,413	8,871	8,892
EBITDA	6,762	6,976	7,018	6,009	5,648	6,046	6,130	6,294	5,628	6,263	4,286	4,112	2,141	5,934	6,162	6,117	1,712	6,747	4,889	7,079	3,052	12,504	12,074	10,553	11,348	11,900	12,226	12,304	12,307	12,759	13,877	15,838	17,642	19,813	20,914	21,725	22,187	21,982
Operating Profit %	68 %	75 %	74 %	65 %	59 %	64 %	61 %	60 %	50 %	59 %	37 %	39 %	8 %	54 %	62 %	59 %	5 %	65 %	40 %	62 %	11 %	60 %	54 %	44 %	45 %	53 %	49 %	58 %	53 %	55 %	54 %	60 %	56 %	68 %	70 %	71 %	66 %	66 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	6,120	6,130	6,040	5,913	5,803	5,774	5,931	6,113	5,938	5,910	5,902	5,712	5,919	6,075	6,046	5,983	5,748	6,379	6,508	6,496	6,411	12,026	11,483	10,498	10,072	10,121	9,876	9,755	10,405	10,593	11,377	12,255	13,754	14,638	15,461	16,195	16,914	16,952
Profit Before Tax	642	846	978	97	-155	272	199	181	-310	353	-1,616	-1,600	-3,779	-140	116	133	-4,036	367	-1,618	582	-3,359	478	591	55	1,276	1,779	2,350	2,549	1,902	2,166	2,500	3,583	3,888	5,174	5,453	5,530	5,273	5,030
Tax	199	327	320	18	-251	106	23	77	-418	236	-85	-350	-1,195	-270	-23	-20	-667	143	-425	8	-856	146	74	-672	-54	598	824	1,463	462	608	653	1,338	1,105	1,938	1,942	1,940	1,963	1,351
Net Profit	444	519	658	79	96	166	177	104	108	117	-1,531	-1,250	-2,583	130	139	153	-3,369	224	-1,194	575	-2,503	333	517	727	1,330	1,181	1,526	1,085	1,440	1,558	1,848	2,245	2,782	3,236	3,511	3,590	3,311	3,679
EPS in ₹	6.98	8.16	10.34	1.14	1.40	2.42	2.57	1.51	1.58	1.70	-21.87	-16.63	-29.59	1.11	1.19	1.31	-28.19	1.27	-6.77	2.46	-7.31	0.52	0.81	1.13	2.08	1.79	2.23	1.59	2.11	2.28	2.70	3.28	4.07	4.74	5.06	4.84	4.42	4.82

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	3,81,616	4,04,696	4,52,704	4,87,380	4,94,039	5,50,683	10,71,710	11,87,590	12,80,750	13,91,960
Fixed Assets	2,678	3,928	3,873	3,800	3,719	4,709	7,282	7,155	8,805	9,188
Current Assets	0	0	0	0	0	0	0	0	0	0
Capital Work in Progress	4	12	21	33	44	53	62	36	21	35
Investments	84,462	89,208	1,12,149	1,23,754	1,26,047	1,52,414	3,31,512	3,48,508	3,39,299	3,37,903
Other Assets	2,94,472	3,11,548	3,36,661	3,59,793	3,64,230	3,93,507	7,32,854	8,31,891	9,32,625	10,44,834
Total Liabilities	3,61,855	3,81,805	4,28,728	4,62,283	4,67,552	5,16,897	10,07,233	11,17,014	12,02,416	12,94,991
Current Liabilities	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities	3,61,855	3,81,804	4,28,728	4,62,283	4,67,552	5,16,898	10,07,229	11,17,013	12,02,414	12,94,992
Total Equity	19,761	22,891	23,976	25,097	26,487	33,786	64,477	70,576	78,334	96,969
Reserve & Surplus	19,125	22,204	23,289	23,928	24,724	30,363	58,070	63,741	71,500	89,335
Share Capital	636	687	687	1,169	1,763	3,423	6,407	6,835	6,835	7,634

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-695	69	3,546	16,619	-6,395	121	29,304	35,090	-7,350	7,152
Investing Activities	-255	-17	-523	-343	-363	-7	27,538	-357	-2,408	-1,261
Operating Activities	-3,799	88	-5,804	6,170	-7,246	-75	20,443	36,214	5,984	20,329
Financing Activities	3,359	-2	9,873	10,792	1,214	203	-18,676	-767	-10,926	-11,916

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	May 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Aug 2023	Sept 2023	Dec 2023	Feb 2024	Mar 2024	Jun 2024
Promoter	89.07 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	83.49 %	76.99 %	76.99 %	76.99 %	74.76 %	74.76 %	74.76 %
FIIs	0.66 %	2.61 %	1.67 %	1.49 %	1.19 %	1.18 %	1.13 %	1.43 %	1.62 %	1.67 %	1.46 %	3.20 %	2.88 %	3.97 %	6.01 %	6.76 %	7.37 %
DIIs	4.37 %	8.29 %	6.84 %	6.72 %	7.02 %	7.05 %	6.91 %	7.05 %	8.38 %	8.28 %	7.88 %	13.30 %	12.70 %	12.29 %	12.63 %	12.62 %	11.38 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	5.90 %	5.60 %	7.99 %	8.29 %	8.30 %	8.27 %	8.47 %	8.02 %	6.50 %	6.56 %	7.16 %	6.51 %	7.43 %	6.75 %	6.60 %	5.87 %	6.50 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
State Bank of India	787.05	6,98,841.75	9.56	5,94,574.89	25.60	68,138	5.24	44.32
Bank of Baroda	234.35	1,23,957.55	6.51	1,41,778.71	27.98	18,410	6.63	40.43
Punjab National Bank	106.26	1,18,974.02	10.14	1,22,394.01	23.52	9,157	192.84	38.08
Indian Overseas Bank	57.26	1,10,068.75	39.08	29,730.97	26.39	2,666	28.69	43.41
Canara Bank	104.18	95,740.72	6.13	1,39,164.93	25.14	14,782	9.15	43.05
Union Bank of India	121.62	94,733.05	6.69	1,18,188.36	21.75	13,709	11.31	49.03
Indian Bank	509.00	69,974.78	7.66	64,231.68	21.67	8,129	38.98	33.85
UCO Bank	47.29	58,488.55	29.29	25,119.87	24.61	1,654	146.88	36.57
Central Bank of India	57.99	52,129.04	16.73	35,561.98	19.57	2,677	89.57	44.65
Bank of India	109.67	51,103.70	7.41	67,306.47	22.06	6,567	20.98	33.59

Corporate Action

Technical Indicators

RSI(14)

Neutral

49.03

ATR(14)

Less Volatile

3.43

STOCH(9,6)

Neutral

42.68

STOCH RSI(14)

Overbought

94.85

MACD(12,26)

Bullish

0.62

ADX(14)

Weak Trend

22.46

UO(9)

Bearish

41.46

ROC(12)

Uptrend But Slowing Down

0.47

WillR(14)

Neutral

-42.30