Union Bank of India

Union Bank (I) Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Union Bank of India

₹ 126 -2.02%
30 Apr - close price
unionbankofindia.co.in BSE: 532477 NSE: UNIONBANK
About

Union Bank of India is engaged in the Business of Banking Services, Government Business ,Merchant Banking, Agency Business Insurance, Mutual Funds, Wealth Management etc.[1]

Key Points

Segments Revenue FY24

Website BSE NSE
  • Market Cap ₹ 96,015 Cr.
  • Current Price ₹ 126
  • High / Low ₹ 172 / 101
  • Stock P/E 5.87
  • Book Value ₹ 147
  • Dividend Yield 2.86 %
  • ROCE 6.55 %
  • ROE 15.6 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.86 times its book value
  • Company has delivered good profit growth of 46.4% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 22.9%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.0% over last 3 years.
  • Contingent liabilities of Rs.6,33,499 Cr.
  • Company might be capitalizing the interest cost

* 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.

Peer comparison

Sector: Banks Industry: Banks - Public Sector

Part of BSE Allcap BSE 500 BSE PSU Nifty 200 Nifty PSU Bank

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
17,072 17,028 18,256 19,778 20,966 22,163 23,613 24,732 25,521 26,510 26,527 26,887 27,135
Interest 9,762 10,409 10,598 11,384 12,242 13,810 14,664 15,498 16,236 16,966 17,004 17,720 17,765
7,946 6,940 8,442 9,598 8,817 10,041 7,978 7,962 8,012 9,365 9,367 8,686 8,096
Financing Profit -635 -321 -784 -1,204 -93 -1,688 971 1,271 1,273 179 156 480 1,274
Financing Margin % -4% -2% -4% -6% -0% -8% 4% 5% 5% 1% 1% 2% 5%
3,161 2,326 2,948 3,697 3,669 5,601 4,209 4,221 4,281 5,102 4,799 5,926 4,614
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2,526 2,005 2,165 2,493 3,576 3,912 5,180 5,492 5,554 5,281 4,954 6,406 5,889
Tax % 58% 23% 28% 26% 37% 28% 37% 35% 35% 37% 27% 26% 22%
1,077 1,557 1,583 1,853 2,264 2,812 3,272 3,572 3,625 3,328 3,642 4,751 4,623
EPS in Rs 1.58 2.28 2.32 2.71 3.31 4.11 4.79 4.82 4.89 4.36 4.77 6.22 6.06
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
25,169 29,394 32,164 32,316 32,817 32,952 34,314 37,479 69,311 68,230 81,163 100,376 107,058
Interest 17,575 21,467 23,640 23,894 23,776 23,471 23,896 25,837 44,112 40,178 48,033 63,364 69,454
7,268 8,829 9,498 10,349 13,871 21,181 19,019 21,166 36,270 32,264 36,155 32,422 35,514
Financing Profit 325 -902 -973 -1,928 -4,830 -11,700 -8,601 -9,523 -11,071 -4,213 -3,024 4,590 2,090
Financing Margin % 1% -3% -3% -6% -15% -36% -25% -25% -16% -6% -4% 5% 2%
2,868 3,141 3,957 3,934 5,430 5,462 5,042 5,789 14,307 13,524 15,915 17,813 20,440
Depreciation 156 198 225 249 241 368 374 417 908 745 745 895 0
Profit before tax 3,037 2,040 2,759 1,758 359 -6,607 -3,933 -4,151 2,327 8,566 12,147 21,508 22,530
Tax % 30% 18% 36% 24% -58% -21% -25% -27% -22% 39% 31% 36%
2,146 1,687 1,771 1,347 573 -5,212 -2,922 -3,121 2,863 5,265 8,512 13,797 16,344
EPS in Rs 36.14 26.59 27.69 19.73 8.33 -44.61 -16.58 -9.12 4.47 7.70 12.45 18.07 21.41
Dividend Payout % 22% 15% 22% 10% 0% 0% 0% 0% 0% 25% 24% 20%
Compounded Sales Growth
10 Years: 13%
5 Years: 24%
3 Years: 13%
TTM: 11%
Compounded Profit Growth
10 Years: 23%
5 Years: 46%
3 Years: 69%
TTM: 23%
Stock Price CAGR
10 Years: -2%
5 Years: 36%
3 Years: 48%
1 Year: -18%
Return on Equity
10 Years: 5%
5 Years: 9%
3 Years: 12%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 597 630 636 687 687 1,169 1,763 3,423 6,407 6,835 6,835 7,634 7,738
Reserves 16,722 18,004 19,263 22,361 23,406 24,083 25,073 30,567 58,331 64,026 71,969 89,964 99,930
Deposits 270,471 306,191 325,990 344,118 377,195 410,288 417,505 452,436 925,654 1,034,368 1,120,322 1,224,593 1,245,177
Borrowing 17,118 20,888 26,628 30,637 41,226 45,680 43,276 52,714 51,922 51,245 42,737 26,974 25,940
8,003 9,300 11,048 9,562 13,167 9,900 10,964 16,369 40,063 37,292 46,495 52,831 45,415
Total Liabilities 312,912 355,013 383,566 407,365 455,681 491,120 498,581 555,509 1,082,377 1,193,766 1,288,357 1,401,996 1,424,200
2,483 2,621 2,690 3,939 3,896 3,824 3,743 4,734 7,303 7,171 8,826 9,224 9,249
CWIP 13 2 4 13 21 34 44 54 63 37 22 36 0
Investments 81,808 94,636 85,818 90,573 113,441 125,485 128,391 154,251 339,059 351,839 343,727 343,953 360,309
228,608 257,753 295,053 312,840 338,322 361,777 366,402 396,470 735,952 834,718 935,782 1,048,783 1,054,642
Total Assets 312,912 355,013 383,566 407,365 455,681 491,120 498,581 555,509 1,082,377 1,193,766 1,288,357 1,401,996 1,424,200

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-4,245 2,570 -3,567 81 -6,624 6,097 -7,778 -77 20,527 36,339 6,056 19,930
-343 -363 -318 -9 -280 -315 -297 -4 -601 -558 -2,561 -1,394
5,096 4,902 3,168 -2 10,194 10,792 1,758 201 -18,861 -786 -10,654 -11,489
Net Cash Flow 507 7,109 -718 70 3,289 16,574 -6,317 121 1,066 34,995 -7,159 7,047

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 13% 9% 9% 6% 2% -21% -11% -10% 6% 8% 11% 16%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
83.49% 83.49% 83.49% 83.49% 83.49% 76.99% 76.99% 74.76% 74.76% 74.76% 74.76% 74.76%
1.13% 1.43% 1.62% 1.66% 1.46% 2.89% 3.97% 6.75% 7.37% 6.89% 6.46% 7.11%
6.90% 7.05% 8.39% 8.27% 7.88% 12.69% 12.28% 12.24% 11.38% 11.22% 11.94% 11.63%
8.47% 8.02% 6.49% 6.57% 7.17% 7.42% 6.76% 6.25% 6.50% 7.12% 6.85% 6.50%
No. of Shareholders 7,98,2147,81,5547,80,2087,83,5507,75,7738,65,2518,74,3099,14,9409,84,22910,19,06110,22,30010,41,211

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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