Union Bank of India
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]
- Market Cap ₹ 1,06,107 Cr.
- Current Price ₹ 139
- High / Low ₹ 172 / 101
- Stock P/E 5.85
- Book Value ₹ 149
- Dividend Yield 2.56 %
- ROCE 6.72 %
- ROE 17.0 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.92 times its book value
- Company has delivered good profit growth of 50.7% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 21.4%
Cons
- Company has low interest coverage ratio.
- 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 500 BSE 200 BSE PSU Nifty 500 Nifty Midcap 100
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
29,394 | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 108,417 | |
Interest | 21,467 | 23,640 | 23,894 | 23,776 | 23,471 | 23,896 | 25,837 | 44,112 | 40,178 | 48,033 | 63,364 | 70,733 |
8,829 | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 36,155 | 32,422 | 35,822 | |
Financing Profit | -902 | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 1,862 |
Financing Margin % | -3% | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -4% | 5% | 2% |
3,141 | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 21,562 | |
Depreciation | 198 | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 745 | 895 | 0 |
Profit before tax | 2,040 | 2,759 | 1,758 | 359 | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 12,147 | 21,508 | 23,424 |
Tax % | 18% | 36% | 24% | -58% | -21% | -25% | -27% | -22% | 39% | 31% | 36% | 23% |
1,687 | 1,771 | 1,347 | 573 | -5,212 | -2,922 | -3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | |
EPS in Rs | 26.59 | 27.69 | 19.73 | 8.33 | -44.61 | -16.58 | -9.12 | 4.47 | 7.70 | 12.45 | 18.07 | 23.62 |
Dividend Payout % | 15% | 22% | 10% | 0% | 0% | 0% | 0% | 0% | 25% | 24% | 20% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 13% |
5 Years: | 24% |
3 Years: | 17% |
TTM: | 8% |
Compounded Profit Growth | |
---|---|
10 Years: | 26% |
5 Years: | 51% |
3 Years: | 51% |
TTM: | 31% |
Stock Price CAGR | |
---|---|
10 Years: | -2% |
5 Years: | 43% |
3 Years: | 57% |
1 Year: | -3% |
Return on Equity | |
---|---|
10 Years: | 8% |
5 Years: | 13% |
3 Years: | 15% |
Last Year: | 17% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 630 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 | 7,634 | 7,738 |
Reserves | 18,004 | 19,263 | 22,361 | 23,406 | 24,083 | 25,073 | 30,567 | 58,331 | 64,026 | 71,969 | 89,964 | 106,096 |
Deposits | 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 | 1,312,291 |
Borrowing | 20,888 | 26,628 | 30,637 | 41,226 | 45,680 | 43,276 | 52,714 | 51,922 | 51,245 | 42,737 | 26,974 | 27,490 |
9,300 | 11,048 | 9,562 | 13,167 | 9,900 | 10,964 | 16,369 | 40,063 | 37,292 | 46,495 | 52,831 | 57,714 | |
Total Liabilities | 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 | 1,511,329 |
2,621 | 2,690 | 3,939 | 3,896 | 3,824 | 3,743 | 4,734 | 7,303 | 7,171 | 8,826 | 9,224 | 9,824 | |
CWIP | 2 | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 | 22 | 36 | 0 |
Investments | 94,636 | 85,818 | 90,573 | 113,441 | 125,485 | 128,391 | 154,251 | 339,059 | 351,839 | 343,727 | 343,953 | 361,903 |
257,753 | 295,053 | 312,840 | 338,322 | 361,777 | 366,402 | 396,470 | 735,952 | 834,718 | 935,782 | 1,048,783 | 1,139,602 | |
Total Assets | 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 | 1,511,329 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2,570 | -3,567 | 81 | -6,624 | 6,097 | -7,778 | -77 | 20,527 | 36,339 | 6,056 | 19,930 | 17,479 | |
-363 | -318 | -9 | -280 | -315 | -297 | -4 | -601 | -558 | -2,561 | -1,394 | -1,891 | |
4,902 | 3,168 | -2 | 10,194 | 10,792 | 1,758 | 201 | -18,861 | -786 | -10,654 | -11,489 | -3,550 | |
Net Cash Flow | 7,109 | -718 | 70 | 3,289 | 16,574 | -6,317 | 121 | 1,066 | 34,995 | -7,159 | 7,047 | 12,038 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 9% | 9% | 6% | 2% | -21% | -11% | -10% | 6% | 8% | 11% | 16% | 17% |
Documents
Announcements
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Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015, As Amended
17 May - RBI imposed ₹1.66 lakh penalty on Union Bank for note remittance discrepancies.
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Disclosure under Regulation 30A of LODR
16 May - Union Bank schedules investor meet with InCred Research on May 22, 2025, Mumbai office, no sensitive info shared.
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Disclosure under Regulation 30A of LODR
16 May - Union Bank reports record FY25 net profit INR 17,987 Cr, 32% growth; strong capital, improved asset quality, cautious growth.
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Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015
9 May - RBI imposed ₹4 lakh penalty on Union Bank for ATM cash outage over 10 hours in a month.
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Audio Recording Of Post Earnings Call
9 May - Audio recording of Union Bank's Q4 FY25 earnings call available online.
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2012
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Financial Year 2011
from bse
Concalls
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May 2025Transcript PPT
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Feb 2025Transcript PPT REC
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Oct 2024Transcript PPT REC
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Nov 2017Transcript PPT
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May 2017TranscriptPPT
Segments Revenue FY24