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Union Bank of India Limited (IN:UNIONBANK)
:UNIONBANK
India Market
UNIONBANK
Union Bank of India Limited
RESEARCH TOOLSreports

Union Bank of India Limited (UNIONBANK) Ratios

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Union Bank of India Limited Ratios

IN:UNIONBANK's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:UNIONBANK's free cash flow was decreased by ₹ and operating cash flow was ₹0.17. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
 0.07 0.10 0.32 0.47 17.02
Quick Ratio
 0.07 0.10 0.48 21.77 46.24
Cash Ratio
 0.07 0.10 0.29 18.66 26.32
Solvency Ratio
 0.01 0.01 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.02 0.01 0.07 1.01 7.99
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -12.89T₹ -12.66T₹ -11.70T₹ -12.07T₹ -10.45T
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.02 0.02 0.05 0.05
Debt-to-Equity Ratio
 0.60 0.24 0.28 0.79 0.77
Debt-to-Capital Ratio
 0.38 0.19 0.22 0.44 0.43
Long-Term Debt-to-Capital Ratio
 0.38 0.19 0.22 0.44 0.42
Financial Leverage Ratio
 11.44 13.28 14.37 16.35 16.85
Debt Service Coverage Ratio
 0.26 0.27 0.23 0.19 0.07
Interest Coverage Ratio
 0.33 0.33 0.34 0.25 0.13
Debt to Market Cap
 0.56 0.31 0.24 1.37 1.96
Interest Debt Per Share
 197.49 136.36 125.39 161.19 139.56
Net Debt to EBITDA
 -0.04 -4.23 -4.12 -3.89 -10.90
Profitability Margins
Gross Profit Margin
34.18%45.62%46.55%49.53%50.85%
EBIT Margin
18.08%18.09%18.22%12.85%6.44%
EBITDA Margin
18.08%18.92%18.97%13.63%7.34%
Operating Profit Margin
18.11%18.09%18.22%12.85%6.44%
Pretax Profit Margin
18.19%18.09%18.22%12.85%6.44%
Net Profit Margin
14.48%13.86%11.64%8.94%6.44%
Continuous Operations Profit Margin
14.45%13.86%11.64%8.94%6.44%
Net Income Per EBT
79.62%76.61%63.89%69.61%100.00%
EBT Per EBIT
100.43%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.26%1.19%0.98%0.66%0.44%
Return on Equity (ROE)
15.38%15.84%14.14%10.80%7.43%
Return on Capital Employed (ROCE)
8.62%11.82%2.19%0.95%0.44%
Return on Invested Capital (ROIC)
6.78%9.06%1.40%150.51%2.38%
Return on Tangible Assets
1.26%1.19%0.98%0.66%0.44%
Earnings Yield
13.16%20.06%12.22%18.71%20.09%
Efficiency Ratios
Receivables Turnover
 0.00 8.81 8.19 7.62 7.02
Payables Turnover
 0.00 11.12 12.07 7.96 8.83
Inventory Turnover
 0.00 0.00 -0.94 -0.37 -0.30
Fixed Asset Turnover
 13.21 13.24 12.80 10.76 11.73
Asset Turnover
 0.09 0.09 0.08 0.07 0.07
Working Capital Turnover Ratio
 -0.25 -0.18 -0.83 2.73 1.36
Cash Conversion Cycle
 0.00 8.61 -373.76 -974.78 -1.20K
Days of Sales Outstanding
 0.00 41.43 44.55 47.90 52.01
Days of Inventory Outstanding
 0.00 0.00 -388.08 -976.83 -1.21K
Days of Payables Outstanding
 0.00 32.82 30.23 45.85 41.33
Operating Cycle
 0.00 41.43 -343.53 -928.92 -1.16K
Cash Flow Ratios
Operating Cash Flow Per Share
 31.55 24.27 43.36 8.94 53.66
Free Cash Flow Per Share
 30.45 21.95 41.07 4.46 52.55
CapEx Per Share
 1.10 2.32 2.29 4.49 1.11
Free Cash Flow to Operating Cash Flow
 0.96 0.90 0.95 0.50 0.98
Dividend Paid and CapEx Coverage Ratio
 5.39 3.96 8.45 1.40 48.48
Capital Expenditure Coverage Ratio
 28.57 10.47 18.95 1.99 48.48
Operating Cash Flow Coverage Ratio
 0.30 0.64 1.16 0.10 0.67
Operating Cash Flow to Sales Ratio
 0.18 0.13 0.26 0.06 0.44
Free Cash Flow Yield
16.12%17.59%26.20%6.70%135.79%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.44 4.99 8.19 5.34 4.98
Price-to-Sales (P/S) Ratio
 1.08 0.69 0.95 0.48 0.32
Price-to-Book (P/B) Ratio
 1.07 0.79 1.16 0.58 0.37
Price-to-Free Cash Flow (P/FCF) Ratio
 6.07 5.68 3.82 14.93 0.74
Price-to-Operating Cash Flow Ratio
 5.85 5.14 3.61 7.44 0.72
Price-to-Earnings Growth (PEG) Ratio
 3.05 0.21 0.15 0.09 0.07
Price-to-Fair Value
 1.07 0.79 1.16 0.58 0.37
Enterprise Value Multiple
 5.93 -0.58 0.90 -0.38 -6.53
Enterprise Value
 1.43T -143.13B 202.63B -49.74B -392.08B
EV to EBITDA
 6.06 -0.58 0.90 -0.38 -6.53
EV to Sales
 1.10 -0.11 0.17 -0.05 -0.48
EV to Free Cash Flow
 6.17 -0.91 0.68 -1.63 -1.10
EV to Operating Cash Flow
 5.95 -0.82 0.65 -0.81 -1.08
Tangible Book Value Per Share
 171.92 157.37 135.14 115.02 104.27
Shareholders’ Equity Per Share
 171.92 158.03 135.46 115.30 104.63
Tax and Other Ratios
Effective Tax Rate
 0.21 0.23 0.36 0.30 0.64
Revenue Per Share
 171.40 180.58 164.53 139.24 120.71
Net Income Per Share
 24.83 25.03 19.15 12.45 7.77
Tax Burden
 0.80 0.77 0.64 0.70 1.00
Interest Burden
 1.01 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.13 0.15 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.05 0.75 2.26 0.50 4.24
Currency in INR