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 ₹ 51,192 Cr.
- Current Price ₹ 74.9
- High / Low ₹ 96.4 / 33.5
- Stock P/E 7.05
- Book Value ₹ 104
- Dividend Yield 2.54 %
- ROCE 4.43 %
- ROE 7.78 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.72 times its book value
- Company has delivered good profit growth of 57.3% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 3.39% over last 3 years.
- Contingent liabilities of Rs.717,236 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 16,461 | 21,152 | 25,169 | 29,394 | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 76,028 |
Interest | 10,234 | 14,230 | 17,575 | 21,467 | 23,640 | 23,894 | 23,776 | 23,471 | 23,896 | 25,837 | 44,112 | 40,178 | 44,631 |
5,167 | 6,395 | 7,268 | 8,829 | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 33,798 | |
Financing Profit | 1,059 | 528 | 325 | -902 | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -2,402 |
Financing Margin % | 6% | 2% | 1% | -3% | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -3% |
2,039 | 2,316 | 2,868 | 3,141 | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 12,641 | |
Depreciation | 156 | 151 | 156 | 198 | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 0 |
Profit before tax | 2,942 | 2,694 | 3,037 | 2,040 | 2,759 | 1,758 | 359 | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 10,239 |
Tax % | 30% | 35% | 30% | 18% | 36% | 24% | -58% | 21% | 25% | 27% | -22% | 39% | |
Net Profit | 2,205 | 1,760 | 2,146 | 1,687 | 1,771 | 1,347 | 573 | -5,212 | -2,922 | -3,121 | 2,863 | 5,265 | 7,257 |
EPS in Rs | 42.11 | 32.18 | 36.14 | 26.59 | 27.69 | 19.73 | 8.33 | -44.61 | -16.58 | -9.12 | 4.47 | 7.70 | 10.62 |
Dividend Payout % | 19% | 25% | 22% | 15% | 22% | 10% | 0% | 0% | 0% | 0% | 0% | 25% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 16% |
3 Years: | 26% |
TTM: | 14% |
Compounded Profit Growth | |
---|---|
10 Years: | 12% |
5 Years: | 57% |
3 Years: | 56% |
TTM: | 46% |
Stock Price CAGR | |
---|---|
10 Years: | -11% |
5 Years: | -11% |
3 Years: | 13% |
1 Year: | 59% |
Return on Equity | |
---|---|
10 Years: | 1% |
5 Years: | -2% |
3 Years: | 3% |
Last Year: | 8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
635 | 662 | 708 | 741 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | |
Reserves | 12,297 | 14,117 | 16,722 | 18,004 | 19,263 | 22,361 | 22,865 | 24,083 | 24,969 | 30,463 | 58,227 | 63,922 |
215,716 | 240,686 | 287,478 | 326,967 | 352,618 | 374,754 | 418,420 | 455,969 | 460,780 | 505,150 | 977,576 | 1,085,613 | |
8,026 | 7,671 | 8,114 | 9,411 | 11,048 | 9,562 | 13,708 | 9,900 | 11,068 | 16,473 | 40,167 | 37,396 | |
Total Liabilities | 236,563 | 263,025 | 312,912 | 355,013 | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 |
2,288 | 2,339 | 2,483 | 2,621 | 2,690 | 3,939 | 3,896 | 3,824 | 3,743 | 4,734 | 7,303 | 7,171 | |
CWIP | 14 | 9 | 13 | 2 | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 |
Investments | 58,913 | 63,104 | 81,808 | 94,636 | 85,818 | 90,573 | 113,441 | 125,485 | 128,391 | 154,251 | 339,059 | 351,839 |
175,348 | 197,573 | 228,608 | 257,753 | 295,053 | 312,840 | 338,322 | 361,777 | 366,402 | 396,470 | 735,952 | 834,718 | |
Total Assets | 236,563 | 263,025 | 312,912 | 355,013 | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
4,489 | -3,824 | -4,245 | 2,570 | -3,567 | 81 | -6,624 | 6,097 | -7,778 | -77 | 20,527 | 36,339 | |
-208 | -235 | -343 | -363 | -318 | -9 | -280 | -315 | -297 | -4 | -601 | -558 | |
75 | -370 | 5,096 | 4,902 | 3,168 | -2 | 10,194 | 10,792 | 1,758 | 201 | -18,861 | -786 | |
Net Cash Flow | 4,356 | -4,429 | 507 | 7,109 | -718 | 70 | 3,289 | 16,574 | -6,317 | 121 | 1,066 | 34,995 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 13% | 13% | 9% | 9% | 6% | 2% | -21% | -11% | -10% | 6% | 8% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
7h - Union Bank of India informed about Earnings Call Transcript for quarter ended on 31 December 2022
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Announcement under Regulation 30 (LODR)-Newspaper Publication
21 Jan - Union Bank of India has informed the Exchange about Copy of Newspaper Publication- Reviewed Financial Results (Standalone and Consolidated) of the Bank for the Quarter/Nine …
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Intimation Of Record Date
21 Jan - Union Bank of India has informed the Exchange regarding Record Date Update.
- Disclosure Under Regulation 30 Of SEBI LODR 21 Jan
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
20 Jan - Audio Recording of Post Earnings Call held on 20th January, 2023.
Annual reports
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2012
from nse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
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Financial Year 2010
from nse
Concalls
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Jan 2023Transcript PPT
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Oct 2022Transcript PPT
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Jul 2022Transcript PPT
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May 2022Transcript PPT
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Feb 2022Transcript PPT
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Nov 2021Transcript PPT
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Jul 2021Transcript PPT
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Jun 2021TranscriptPPT
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Jun 2021Transcript PPT
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Mar 2021TranscriptPPT
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Mar 2021TranscriptPPT
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Jan 2021TranscriptPPT
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Jan 2021Transcript PPT
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Nov 2020Transcript PPT
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Aug 2020Transcript PPT
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Jun 2020Transcript PPT
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Feb 2020Transcript PPT
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Nov 2019TranscriptPPT
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Aug 2019Transcript PPT
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May 2019Transcript PPT
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Jan 2019Transcript PPT
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Oct 2018Transcript PPT
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Aug 2018Transcript PPT
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May 2018Transcript PPT
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Feb 2018Transcript PPT
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Nov 2017Transcript PPT
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Nov 2017TranscriptPPT
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Aug 2017Transcript PPT
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May 2017TranscriptPPT
Ratios (Q3FY21)
Capital Adequacy Ratio - 12.98%
Net Interest Margin - 2.94%[1]
Gross NPA - 13.49%
Net NPA - 3.27%
CASA Ratio - 35.38%[2]