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Consolidated Standalone

Union Bank Of India

₹119 0.9 | 0.7%

Market Cap ₹90802 Cr.

Stock P/E 6.6

P/B 0.9

Current Price ₹119

Book Value ₹ 132.8

Face Value 10

52W High ₹172.5

Dividend Yield 3.03%

52W Low ₹ 106.6

Edit Ratio

Union Bank Of India Research see more...

Overview Inc. Year: 1919Industry: Bank - Public

Union Bank of India is an India-based banking corporation. The Company's segments consist of Treasury Operations, Corporate and Wholesale Banking and Other Banking Operations. The Company gives merchandise in 3 classes, including corporate loans, personal loans and global. Its private products consist of bills and deposits, loans, which includes retail, micro, small and medium firms (MSME), wealth control, financial schemes and lockers/other services. Its company loans include exchange finance, working capital, line of credit, project financing, and channel finance. Its global offerings include non-resident Indian fast and smooth remittances, Internet Banking, global debit/credit cards, home loans, special deposit schemes, and online donation facility. It presents virtual offerings, which include app banking, Internet banking, automatic teller system banking and immediate payment service (IMPS). It additionally affords overseas currency loans.

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Union Bank Of India Share Price

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Peer Comparison

Union Bank Of India Quarterly Results

#(Fig in Cr.) Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018
Interest Earned 8325 8153 8222 8260 8112
Other Income 1446 1415 1217 873 1485
Total Income 9771 9568 9440 9134 9597
Interest Expense 5938 5910 5902 5712 5919
Operating Expenditure 1699 1601 1599 1767 1688
Provisions and contingencies 2444 1704 3555 3254 5768
Operating Profit -310 353 -1616 -1600 -3779
Profit Before Tax -310 353 -1616 -1600 -3779
Provision for Tax -418 236 -85 -350 -1195
Profit After Tax 108 117 -1531 -1250 -2583
Adjustments -108 -117 1531 1250 2583
Profit After Adjustments 0 0 0 0 0
Adjusted Earnings Per Share 1.6 1.7 -21.1 -14.6 -22.1

Union Bank Of India Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Interest Earned 29349 32084 32199 32660 32748 34067 37231 68767 67944 80743 99778 32747
Other Income 2822 3523 3632 4965 4990 4474 5261 11744 12525 14633 16080
Total Income 32171 35607 35831 37625 37738 38541 42492 80512 80469 95376 115858 37739
Interest Expense 21470 23640 23886 23757 23443 23852 25794 44079 40157 47978 63208 23443
Operating Expenditure 5483 6143 6302 6438 6655 7168 7516 16766 18438 21931 24440 6655
Provisions and contingencies 3151 3040 3877 7088 14281 11448 13209 17268 13294 13329 6780 14281
Operating Profit 2067 2783 1765 342 -6641 -3927 -4028 2399 8579 12138 21430 -6642
Profit Before Tax 2067 2783 1765 342 -6641 -3927 -4028 2399 8579 12138 21430 -6642
Provision for Tax 371 1002 414 -213 -1394 -979 -1130 -507 3347 3704 7782 -1394
Profit After Tax 1696 1782 1352 555 -5247 -2947 -2898 2906 5232 8433 13648 -5247
Adjustments 0 0 0 0 0 0 0 0 0 0 0 5247
Profit After Adjustments 1696 1782 1352 555 -5247 -2947 -2898 2906 5232 8433 13648 0
Adjusted Earnings Per Share 26.8 27.9 19.7 8.1 -44.9 -16.7 -8.5 4.5 7.7 12.3 17.9 -56.1

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 24% 13% 24% 13%
Operating Profit CAGR 77% 107% 0% 26%
PAT CAGR 62% 67% 0% 23%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 1% 40% 17% -7%
ROE Average 17% 12% 7% 2%
ROCE Average 21% 15% 9% 6%

Union Bank Of India Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 18475 19761 22891 23976 25097 26487 33786 64477 70576 78334 96969
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 297676 316870 342720 375899 408502 415915 450668 923805 1032393 1117716 1221528
Borrowings 29317 35360 30957 41226 45681 42864 52486 51837 51179 43137 26948
Other Liabilities & Provisions 8313 9625 8127 11603 8101 8773 13743 31587 33443 41564 46512
Total Liabilities 353781 381616 404696 452704 487380 494039 550683 1071706 1187591 1280752 1391958
Cash and balance with RBI 18420 15063 15605 16520 21016 20796 20118 37880 46113 50254 52898
Bank Balance 4653 7315 13671 16302 28425 22250 34988 46530 73388 61896 66405
Investments 93723 84462 89208 112149 123754 126047 152414 331512 348507 339299 337904
Advances 229104 255655 267354 286467 288761 296932 315049 590983 661005 761845 870776
Fixed Assets 2608 2678 3928 3873 3800 3719 4709 7282 7155 8805 9188
Other Assets 5272 16440 14917 17372 21591 24252 23351 57457 51387 58632 54752
Total Assets 353781 381616 404696 452704 487380 494039 550683 1071706 1187591 1280752 1391958

Union Bank Of India Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 16210 23073 22378 29276 32823 49441 43046 55106 84410 119500 112150
Cash Flow from Operating Activities 2318 -3799 8758 -5804 6170 -7246 -7542 20443 36214 5984 20329
Cash Flow from Investing Activities -357 -255 -1668 -523 -343 -363 -726 -583 -357 -2408 -1261
Cash Flow from Financing Activities 4902 3359 -191 9873 10792 1214 20328 -18676 -767 -10926 -11916
Net Cash Inflow / Outflow 6862 -695 6898 3546 16619 -6395 12060 1184 35090 -7350 7152
Closing Cash & Cash Equivalent 23073 22378 29276 32823 49441 43046 55106 84410 119500 112150 119303

Union Bank Of India Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 26.75 27.94 19.66 8.08 -44.9 -16.72 -8.47 4.54 7.66 12.34 17.88
CEPS(Rs) 29.99 31.5 23.21 11.51 -41.8 -14.63 -7.26 5.93 8.74 13.42 19.05
DPS(Rs) 4 6 1.95 0 0 0 0 0 1.9 3 3.6
Book NAV/Share(Rs) 268.2 288.41 295.44 305.17 194.72 137.56 89.43 92.99 96.3 105.64 119.63
Yield on Advances 12.81 12.55 12.04 11.4 11.34 11.47 11.82 11.64 10.28 10.6 11.46
Yield on Investments 8.28 9.34 9.47 9.59 8.12 7.6 7.9 7.31 6.7 6.53 7.13
Cost of Liabilities 6.57 6.71 6.39 5.7 5.16 5.2 5.13 4.52 3.71 4.13 5.06
NIM (Net Interest Margin) 2.28 2.33 2.15 2.06 2.01 2.19 2.19 2.45 2.46 2.7 2.75
Interest Spread 6.24 5.84 5.65 5.71 6.18 6.27 6.69 7.12 6.57 6.47 6.4
ROA(%) 0.51 0.48 0.34 0.13 -1.12 -0.6 -0.55 0.36 0.46 0.68 1.02
ROE(%) 10.41 10.11 6.99 2.69 -24 -12.54 -10.56 6.44 8.34 12.22 16.69
ROCE(%) 8.32 9.33 6.56 3.53 -6.99 -3.09 -2.9 5.6 9.48 12.97 21.3
PER(x) 5.13 5.61 6.66 19.31 0 0 0 7.51 5.06 5.39 8.58
Price/Book(x) 0.51 0.54 0.44 0.51 0.48 0.69 0.32 0.37 0.4 0.63 1.28
Dividend Yield(%) 2.92 3.83 1.49 0 0 0 0 0 4.9 4.51 2.35
EV/Net Sales(x) 1.3 1.41 1.24 1.59 1.73 1.75 1.67 1.07 1.14 1.1 1.44
EV/Core EBITDA(x) 7.3 7.78 7.08 6.99 7.42 7.94 6.79 3.74 3.55 3.48 5.11
Interest Earned Growth(%) 16.81 9.32 0.36 1.43 0.27 4.03 9.29 84.7 -1.2 18.84 23.57
Net Profit Growth -21.4 5.04 -24.14 -58.92 -1045.11 43.83 1.69 200.28 80.05 61.18 61.84
Advances Growth 10.09 11.59 4.58 7.15 0.8 2.83 6.1 87.58 11.85 15.26 14.3
EPS Growth(%) -25.69 4.44 -29.63 -58.92 -655.98 62.77 49.36 153.58 68.77 61.18 44.9
Loans/Deposits(x) 9.85 11.16 9.03 10.97 11.18 10.31 11.65 5.61 4.96 3.86 2.21
Cash/Deposits(x) 0.06 0.05 0.05 0.04 0.05 0.05 0.04 0.04 0.04 0.05 0.04
Current Ratio(x) 0.31 0.27 0.26 0.3 0.3 0.3 0.34 0.36 0.34 0.3 0.28
Quick Ratio(x) 9.85 11.16 9.03 10.97 11.18 10.31 11.65 5.61 4.96 3.86 2.21
CASA % 29.5 29.24 32.35 34 34.09 36.1 35.59 36.33 36.54 35.26 33.58

Union Bank Of India Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 83.49 83.49 83.49 83.49 83.49 76.99 76.99 74.76 74.76 74.76
FII 1.13 1.43 1.62 1.67 1.46 2.88 3.97 6.76 7.37 6.89
DII 6.91 7.05 8.38 8.28 7.88 12.7 12.29 12.25 11.38 11.23
Public 8.47 8.02 6.5 6.56 7.16 7.43 6.75 6.24 6.5 7.12
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.9 times its book value
  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 12% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Union Bank Of India News

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