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 ₹ 87,054 Cr.
- Current Price ₹ 114
- High / Low ₹ 172 / 91.2
- Stock P/E 6.14
- Book Value ₹ 128
- Dividend Yield 3.16 %
- ROCE 6.55 %
- ROE 15.6 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.89 times its book value
- Stock is providing a good dividend yield of 3.16%.
- 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 25,169 | 29,394 | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 103,289 |
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 | 65,703 |
7,268 | 8,829 | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 36,155 | 32,420 | 34,706 | |
Financing Profit | 325 | -902 | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,591 | 2,880 |
Financing Margin % | 1% | -3% | -3% | -6% | -15% | -36% | -25% | -25% | -16% | -6% | -4% | 5% | 3% |
2,868 | 3,141 | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 18,402 | |
Depreciation | 156 | 198 | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 745 | 896 | 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 | 21,282 |
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 | 14,167 | |
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 | 18.84 |
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: | 19% |
Compounded Profit Growth | |
---|---|
10 Years: | 23% |
5 Years: | 46% |
3 Years: | 69% |
TTM: | 39% |
Stock Price CAGR | |
---|---|
10 Years: | -6% |
5 Years: | 18% |
3 Years: | 45% |
1 Year: | 15% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 597 | 630 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 | 7,634 |
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 |
287,589 | 327,078 | 352,618 | 374,754 | 418,420 | 455,969 | 460,780 | 505,150 | 977,576 | 1,085,613 | 1,163,059 | 1,251,568 | |
8,003 | 9,300 | 11,048 | 9,562 | 13,167 | 9,900 | 10,964 | 16,369 | 40,063 | 37,292 | 46,495 | 52,831 | |
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 |
2,483 | 2,621 | 2,690 | 3,939 | 3,896 | 3,824 | 3,743 | 4,734 | 7,303 | 7,171 | 8,826 | 9,224 | |
CWIP | 13 | 2 | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 | 22 | 36 |
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 |
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 | |
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 |
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% |
Documents
Announcements
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 10h
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Intimation Under SEBI (LODR) Regulations, 2015.
2d - Bank reports growth in business, deposits, and advances.
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UNIONBANK : Union Bank Of India Has informed Regarding ''''. Disclosure Under Regulations 30 Of SEBI (LODR) Regulations,2015, As Amended
3 Oct - Penalty of ₹54 lakh imposed for non-compliance.
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Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s
1 Oct - Appointment of Statutory Central Auditors for FY 2024-25.
- Closure of Trading Window 27 Sep
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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Segments Revenue FY24