Union Bank of India

UNIONBANK

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Market Cap

₹ 1,17,329 Cr

P/E

6.35

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Performance

STEADY PERFORMER

Valuation

UNDERVALUED

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

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Overview

Detailed Summary

Union Bank of India is a major state-owned financial institution in India, primarily offering retail and corporate banking services with a global presence, including branches in Hong Kong, Sydney, Dubai, and a subsidiary in the UK.

Recently, Union Bank of India reported strong financial results for Q2 FY '26, with a net profit of Rs. 4,249 crores, signifying a Q-o-Q increase of 3.25%. This was backed by robust asset quality improvements.

The bank has undertaken strategic measures to shift its deposit base from bulk deposits to more stable retail term deposits and CASA, enhancing both its margin stability and business growth potential.

Union Bank plans to align its growth trajectory with system-level growth and aims to exceed the 9–10% growth rate for assets and liabilities, leveraging its strong deposit franchise and strategic initiatives.

By maintaining a capital adequacy ratio of 17.07% and reducing gross NPAs to 3.29%, Union Bank is poised for continued profitability and market expansion, supported by prudent asset provisioning and strategic growth initiatives.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

1,17,329 Cr

Volatility

High Risk

P/E Ratio

6.4

Industry P/E

9.3

PEG Ratio

3.4

P/B Ratio

1.0

52W High

160.10

52W Low

100.75

Sales CAGR

8.01%

16.61%

23.68%

10Y

14.36%

Profit CAGR

30.73%

50.93%

—

10Y

33.32%

ROE

TTM

14.31%

13.90%

11.38%

10Y

7.00%

ROCE

TTM

6.39%

11.17%

11.10%

10Y

11.24%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Forecasts

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BANKBARODA	285.05	1,47,410 Cr	7.66	0.93	2.93	11.86	5.59	0.98
PNB	118.70	1,36,421 Cr	8.01	1.02	2.44	11.23	5.95	0.83
CANBK	148.40	1,34,518 Cr	7.02	1.24	2.70	14.87	6.09	0.95
UNIONBANK	153.70	1,17,329 Cr	6.35	0.98	3.09	14.31	6.39	1.21
INDIANB	784.15	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	37.04	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	141.75	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	23,613	24,732	25,521	26,510	26,527	26,887	27,135	27,869	27,475	26,665
Expenses	7,978	7,962	8,012	9,365	9,367	8,686	8,096	9,673	8,844	9,056
Interest	14,664	15,498	16,236	16,966	17,004	17,720	17,765	18,245	18,231	17,707
Financing Profit	971	1,271	1,273	179	156	480	1,274	-49	400	-98
Financing Margin %	4.11	5.14	4.99	0.68	0.59	1.79	4.70	-0.17	1.45	-0.37
Other Income	4,209	4,221	4,281	5,102	4,799	5,926	4,614	6,223	4,869	5,550
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	5,180	5,492	5,554	5,281	4,954	6,406	5,889	6,175	5,269	5,453
Tax %	37.45	35.40	35.00	37.33	27.32	26.29	21.93	19.01	21.49	21.48
Net Profit	3,272	3,572	3,625	3,328	3,642	4,751	4,623	5,011	4,428	4,426
EPS in Rs	4.29	4.99	4.75	4.44	4.77	6.22	6.06	6.56	5.80	5.80
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	32,817	32,952	34,314	37,479	69,311	68,230	81,163	1,00,376	1,08,417	1,09,365
Expenses	13,871	21,181	19,019	21,166	35,863	32,264	36,155	32,422	34,738	35,299
Interest	23,776	23,471	23,896	25,837	44,112	40,178	48,033	63,364	70,733	71,960
Financing Profit	-4,830	-11,700	-8,601	-9,523	-10,664	-4,213	-3,024	4,590	2,946	2,106
Financing Margin %	-14.72	-35.51	-25.07	-25.41	-15.39	-6.18	-3.73	4.57	2.72	1.93
Other Income	5,430	5,462	5,042	5,789	13,899	13,524	15,915	17,813	21,562	21,632
Depreciation	241	368	374	417	908	745	745	895	1,084	0.00
Profit Before Tax	359	-6,607	-3,933	-4,151	2,327	8,566	12,147	21,508	23,424	23,738
Tax %	-57.97	20.98	25.42	26.75	-21.52	39.20	30.59	36.26	23.49	20.75
Net Profit	573	-5,212	-2,922	-3,121	2,863	5,265	8,512	13,797	18,027	18,813
EPS in Rs	—	—	-5.90	-3.75	3.74	6.98	11.15	18.47	23.61	24.22
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	24.45	24.10	18.80	20.11	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	687	687	1,169	1,763	3,423	6,407	6,835	6,835	7,634	7,634
Reserves	22,361	23,406	24,083	25,073	30,567	58,331	64,026	71,969	89,964	1,06,200
Borrowings	3,74,754	4,18,420	4,55,969	4,60,780	5,05,150	9,77,576	10,85,613	11,63,059	12,51,568	13,39,781
Other Liabilities	9,562	13,167	9,926	10,964	16,369	40,063	37,292	46,495	52,831	57,714
Total Liabilities	4,07,365	4,55,681	4,91,146	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329
Fixed Assets	3,939	3,896	3,824	3,743	4,734	7,303	7,171	8,826	9,224	9,765
CWIP	13	21	34	44	54	63	37	22	36	59
Investments	90,573	1,13,441	1,25,511	1,28,391	1,54,251	3,39,059	3,51,839	3,43,727	3,43,953	3,61,903
Other Assets	3,12,839	3,38,322	3,61,777	3,66,402	3,96,470	7,35,952	8,34,718	9,35,782	10,48,783	11,39,602
Total Assets	4,07,365	4,55,681	4,91,146	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	14,01,996	15,11,329

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	8,077	-6,625	6,089	-7,778	-7,681	20,527	36,339	6,056	19,930	17,479
Cash from Investing Activity	-872	-280	-307	-297	-377	-601	-558	-2,561	-1,394	-1,891
Cash from Financing Activity	-191	10,194	10,792	1,758	20,144	-18,861	-786	-10,654	-11,489	-3,550
Net Cash Flow	7,014	3,289	16,574	-6,317	12,086	1,066	34,995	-7,159	7,047	12,038

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Aug 2023	Sep 2023	Dec 2023	Feb 2024	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	83.50%	76.99%	76.99%	76.99%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%	74.76%
FIIs	1.46%	3.20%	2.88%	3.97%	6.01%	6.76%	7.37%	6.89%	6.46%	7.11%	7.70%	7.86%
DIIs	7.88%	13.30%	12.70%	12.29%	12.63%	12.62%	11.38%	11.23%	11.94%	11.64%	11.94%	11.71%
Public	7.16%	6.51%	7.43%	6.75%	6.60%	5.87%	6.50%	7.12%	6.85%	6.49%	5.61%	5.67%
Total Shareholders	7,75,773	7,72,539	8,65,251	8,74,309	9,17,901	9,14,940	9,84,229	10,19,061	10,22,300	10,41,211	9,61,173	9,55,839

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Apr 23, 2024	Marshall wace investment stra...	Block	Sell	150.60	4.32 Cr	2,86,566	0.00
Apr 23, 2024	Marshall wace investment stra...	Block	Sell	150.60	186.41 Cr	1,23,77,844	0.16
Apr 23, 2024	Societe generale	Block	Buy	150.60	190.73 Cr	1,26,64,410	0.16
Feb 29, 2024	Bnp paribas arbitrage	Bulk	Sell	145.95	761.36 Cr	5,21,65,641	0.68
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	142.85	2.52 Cr	1,76,100	0.00
Jan 25, 2024	Marshallwaceinvestmentstrateg...	Block	Buy	142.85	0.77 Cr	53,924	0.00
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	142.85	1.90 Cr	1,33,083	0.00
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	142.85	6.41 Cr	4,48,583	0.00
Jan 25, 2024	Marshall wace investment stra...	Block	Buy	142.85	110.41 Cr	77,29,341	0.10
Jan 25, 2024	Bnp paribas arbitrage	Block	Sell	142.85	119.49 Cr	83,64,931	0.10

Projection

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Actions

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Announcements

Last 7 days

Newest

Sentiment

Debt Payment Notification

22 hours ago

Bond Payment Confirmation

Union Bank of India confirms timely payment of principal and annual interest on bonds as per SEBI regulations on December 15, 2025, including specific details about the redemption.

Credit Rating

3 days ago

Credit Rating Reaffirmation of Union Bank

Union Bank of India has announced the reaffirmation of its credit ratings by CRISIL Ratings for multiple debt instruments, reflecting stable outlooks and adequate capital positions.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

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