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Banking And Finance | Large Cap
Health Score : 4.49Union Bank of India demonstrates a mixed financial performance. The bank shows strong growth in revenue, EPS, and assets, but struggles with profitability and operational efficiency. Its solvency is a concern, with high debt levels. The bank's coverage ratios are also weak, indicating potential difficulties in meeting its interest and dividend obligations. While showing some positive trends in specific areas, Union Bank of India needs to address its profitability, solvency, and operational efficiency to ensure long-term financial stability and growth. The bank benefits from strong capital expenditure management, but needs to improve its earnings and asset utilization.
Health Score : 4.49Union Bank of India demonstrates a mixed financial performance. The bank shows strong growth in revenue, EPS, and assets, but struggles with profitability and operational efficiency. Its solvency is a concern, with high debt levels. The bank's coverage ratios are also weak, indicating potential difficulties in meeting its interest and dividend obligations. While showing some positive trends in specific areas, Union Bank of India needs to address its profitability, solvency, and operational efficiency to ensure long-term financial stability and growth. The bank benefits from strong capital expenditure management, but needs to improve its earnings and asset utilization.
Overall Valuation Score
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0.00
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
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P/E RATIO (TTM)
7.62
Industry Median
12.00
Large Cap Median
11.16
P/E RATIO
7.33
P/B RATIO
1.07
Industry Median
1.22
Large Cap Median
1.59
P/S RATIO
1.32
Industry Median
1.65
Large Cap Median
1.80
Others
PEG RATIO
0.00
EV/EBITDA RATIO
1.63
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹186.5 as on Aug 13, 2026.
Growth Score : 6.80The growth ratios indicate strong revenue, EPS, and asset growth, but significant declines in operating profit and net income. While revenue and EPS growth are positive, the negative trends in operating profit and net income raise concerns about long-term sustainability. The weighted average calculation underscores the recent volatility in the company's growth metrics. The company's growth trajectory is mixed, with strong revenue and asset growth offset by declines in profitability, necessitating strategic adjustments.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -1.56 | 18.96 | 23.67 | 8.01 | -1.49 |
| Operating Profit Growth Rate | -61.95 | -28.22 | -251.79 | -35.82 | -8.89 |
| Earnings Per Share (EPS) Growth | 72.26 | 61.69 | 45.14 | 30.71 | 7.75 |
| Asset Growth Rate | 10.29 | 7.92 | 8.82 | 7.8 | 5.04 |
| Net Income Growth Rate | 83.9 | 61.67 | 62.09 | 30.66 | 7.78 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Federal Bank Ltd | 7.18 | 19.99 | Neutral | N/A | 16.68 | 4491.00 |
| 2 | Punjab National Bank | 7.12 | 7.35 | Neutral | N/A | 14.71 | 18467.00 |
| 3 | Indian Bank | 6.89 | 10.32 | Undervalued | N/A | 90.24 | 11707.00 |
| 4 | IDBI Bank Ltd | 6.84 | 9.67 | Neutral | N/A | 8.85 | 9237.00 |
| 5 | IDFC First Bank Ltd | 6.56 | 46.28 | Neutral | N/A | 1.90 | 1611.00 |
| 6 | Canara Bank | 6.44 | 6.69 | Neutral | N/A | 21.15 | 17879.00 |
| 7 | Indian Overseas Bank | 6.01 | 12.00 | Neutral | N/A | 2.70 | 5418.00 |
| 8 | IndusInd Bank Ltd | 5.52 | 89.81 | Neutral | N/A | 11.98 | 889.00 |
| 9 | Bank of India | 4.63 | 6.40 | Neutral | N/A | 23.12 | 10309.00 |
| 10 | Union Bank of India | 4.49 | 7.33 | Neutral | N/A | 24.49 | 19430.00 |
| 11 | Yes Bank Ltd | 4.49 | 20.52 | Neutral | N/A | 1.11 | 3512.00 |
| 12 | Bank of Baroda | 3.89 | 6.46 | Highly Undervalued | N/A | 38.72 | 20070.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤29th Apr 26
Q4 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Quarterly Report⬤23rd Apr 26
Audited Standalone Results for Quarter & Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤20th Jan 26
Q2 FY26 Earnings Conference Call
BULLISH SENTIMENT
Union Bank of India is a prominent public sector bank in India, offering a comprehensive suite of banking and financial services. It caters to a diverse clientele including individuals, MSMEs, and large corporates through a vast network of branches and digital channels, holding a significant position in the Indian financial services sector.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Union Bank of India's P/E ratio (TTM) is 7.62, compared to the industry median of 12.00 and large cap median of 11.16.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Union Bank of India's P/B ratio is 1.07, compared to the industry median of 1.22 and large cap median of 1.59.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Union Bank of India's P/S ratio is 1.32, compared to the industry median of 1.65 and large cap median of 1.80.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Union Bank of India's PEG ratio is 0.70.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Union Bank of India's EV/EBITDA ratio is 1.63.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Union Bank of India's ROE is 14.55%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Union Bank of India's ROA is 0.17%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Union Bank of India's ROCE is 70.21%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Union Bank of India's operating margin is 2.51%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Union Bank of India's net margin is 18.19%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Union Bank of India's current ratio is 18.56.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Union Bank of India's debt-to-equity ratio is 10.11.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Union Bank of India's interest coverage ratio is 1.35.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Union Bank of India's DPS is ₹5.09.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Union Bank of India's EPS is 7.75.
(Source line: "Ratios as of 13 Aug 2026, based on last traded price of ₹186.50. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Union Bank of India was founded on November 11, 1919, in Mumbai. In 1969, it was nationalized by the Government of India. A significant milestone occurred on April 1, 2020, with the amalgamation of Andhra Bank and Corporation Bank into Union Bank of India, making it one of the largest public sector banks in the country. The bank continues to expand its pan-India presence and digital offerings.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | 36.4% (Net Profit Contribution) | Operating Profit |
| Wholesale Banking | 52.8% (Net Profit Contribution) | Operating Profit |
| Treasury Operations | 10.3% (Net Profit Contribution) | Operating Profit |
| Other Banking Operations | 0.5% (Net Profit Contribution) | Operating Profit |
A. Manimekhalai (MD & CEO): A seasoned banker with extensive experience across various banking functions, previously Executive Director at Canara Bank. Srinivasan Sridhar (Part-Time Non-Official Director & Chairman): Brings rich experience from the financial services sector.
Amalgamation of Andhra Bank and Corporation Bank with Union Bank of India effective April 1, 2020. No major recent bonus or rights issues on record.
References
The Union Bank of India share price today is ₹186.50 on NSE (UNIONBANK), as of 13 Aug 2026.
As of 13 Aug 2026, Union Bank of India share price is ₹186.50, with previous close ₹N/A. Today's range is ₹N/A to ₹N/A. The 52-week range is ₹N/A to ₹N/A.
As of today, Union Bank of India's market cap is ₹1,41,245.77 crore (Large Cap).
Union Bank of India's current P/E ratio is 7.62, compared to the BANKING AND FINANCE sector average of 20.50.
Union Bank of India's current P/B ratio is 1.07.
Union Bank of India's current dividend yield is 2.73%. Last dividend of ₹3.00 per share was declared on 18-May-2023.
Union Bank of India's EPS (TTM) is ₹7.75.
Union Bank of India is a prominent public sector bank in India, offering a comprehensive suite of banking and financial services. It caters to a diverse clientele including individuals, MSMEs, and large corporates through a vast network of branches and digital channels, holding a significant position in the Indian financial services sector.
Union Bank of India is promoted by Government of India, holding 74.76% as of 13 Aug 2026.
Union Bank of India is listed on NSE (UNIONBANK) and BSE (532477). Its next quarterly results are expected on July/August 2024 (Q1 FY25).
Cash Earnings Per Share (Cash EPS)