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STOCKS

Union Bank of India Limited (IN:UNIONBANK)

:UNIONBANK

UNIONBANK

Union Bank of India Limited

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Union Bank of India Limited (UNIONBANK) Ratios

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Union Bank of India Limited Ratios

IN:UNIONBANK's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:UNIONBANK's free cash flow was decreased by ₹ and operating cash flow was ₹0.43. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.11	0.32	0.06	0.47	17.02
Quick Ratio	0.11	0.48	0.06	23.84	176.68
Cash Ratio	0.11	0.29	0.10	18.66	26.32
Solvency Ratio	0.01	0.01	0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	0.07	0.03	1.01	7.99
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -12.36T	₹ -11.70T	₹ -12.35T	₹ -12.07T	₹ -10.45T
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.02	0.02	0.03	0.03
Debt-to-Equity Ratio	0.56	0.28	0.28	0.54	0.56
Debt-to-Capital Ratio	0.36	0.22	0.22	0.35	0.36
Long-Term Debt-to-Capital Ratio	0.36	0.22	0.22	0.00	0.00
Financial Leverage Ratio	12.31	14.37	14.37	16.35	16.85
Debt Service Coverage Ratio	0.26	0.23	0.22	0.19	0.15
Interest Coverage Ratio	0.35	0.34	0.34	0.24	0.20
Debt to Market Cap	0.69	0.24	0.24	0.00	0.00
Interest Debt Per Share	183.07	125.39	125.39	132.81	117.98
Net Debt to EBITDA	-3.03	-4.12	-4.31	-5.42	-8.60
Profitability Margins
Gross Profit Margin	61.52%	46.55%	246.15%	100.00%	100.00%
EBIT Margin	25.41%	18.14%	44.80%	24.77%	20.70%
EBITDA Margin	25.41%	18.97%	44.79%	26.28%	22.49%
Operating Profit Margin	27.01%	18.14%	44.80%	23.41%	19.06%
Pretax Profit Margin	25.73%	18.22%	44.98%	24.77%	20.84%
Net Profit Margin	20.14%	11.64%	28.74%	17.35%	12.73%
Continuous Operations Profit Margin	20.14%	11.64%	28.74%	17.35%	12.73%
Net Income Per EBT	78.26%	63.89%	63.89%	70.08%	61.06%
EBT Per EBIT	95.25%	100.41%	100.41%	105.78%	109.36%
Return on Assets (ROA)	1.26%	0.98%	0.98%	0.66%	0.44%
Return on Equity (ROE)	16.52%	14.14%	14.14%	10.80%	7.43%
Return on Capital Employed (ROCE)	9.89%	2.18%	12.49%	0.90%	0.66%
Return on Invested Capital (ROIC)	7.72%	1.40%	12.92%	140.93%	6.01%
Return on Tangible Assets	1.26%	0.98%	0.98%	0.66%	0.44%
Earnings Yield	18.82%	12.22%	12.22%	18.71%	20.09%
Efficiency Ratios
Receivables Turnover	0.00	8.19	3.32	0.00	0.00
Payables Turnover	0.00	12.07	0.00	0.00	0.00
Inventory Turnover	0.00	-0.94	0.00	0.00	0.00
Fixed Asset Turnover	9.44	12.80	5.19	5.54	5.94
Asset Turnover	0.06	0.08	0.03	0.04	0.03
Working Capital Turnover Ratio	-0.08	-0.83	-0.08	1.41	0.69
Cash Conversion Cycle	0.00	-373.76	109.99	0.00	0.00
Days of Sales Outstanding	0.00	44.55	109.99	0.00	0.00
Days of Inventory Outstanding	0.00	-388.08	0.00	0.00	0.00
Days of Payables Outstanding	0.00	30.23	0.00	0.00	0.00
Operating Cycle	0.00	-343.53	109.99	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	43.36	43.36	8.94	53.66
Free Cash Flow Per Share	0.00	41.07	41.07	4.46	52.55
CapEx Per Share	0.00	2.29	2.29	4.49	1.11
Free Cash Flow to Operating Cash Flow	0.00	0.95	0.95	0.50	0.98
Dividend Paid and CapEx Coverage Ratio	0.00	8.45	8.45	1.40	48.48
Capital Expenditure Coverage Ratio	0.00	18.95	18.95	1.99	48.48
Operating Cash Flow Coverage Ratio	0.00	1.16	1.16	0.14	0.91
Operating Cash Flow to Sales Ratio	0.00	0.26	0.65	0.12	0.88
Free Cash Flow Yield	0.00%	26.20%	26.20%	6.70%	135.79%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	5.25	8.19	8.19	5.34	4.98
Price-to-Sales (P/S) Ratio	1.06	0.95	2.35	0.93	0.63
Price-to-Book (P/B) Ratio	0.81	1.16	1.16	0.58	0.37
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	3.82	3.82	14.93	0.74
Price-to-Operating Cash Flow Ratio	0.00	3.61	3.61	7.44	0.72
Price-to-Earnings Growth (PEG) Ratio	1.20	0.15	0.15	0.09	0.07
Price-to-Fair Value	0.81	1.16	1.16	0.58	0.37
Enterprise Value Multiple	1.13	0.90	0.94	-1.89	-5.78
Enterprise Value	279.32B	202.63B	202.63B	-243.77B	-538.23B
EV to EBITDA	1.18	0.90	0.94	-1.89	-5.78
EV to Sales	0.30	0.17	0.42	-0.50	-1.30
EV to Free Cash Flow	0.00	0.68	0.68	-8.00	-1.51
EV to Operating Cash Flow	0.00	0.65	0.65	-3.99	-1.48
Tangible Book Value Per Share	159.43	135.14	135.14	115.02	104.27
Shareholders’ Equity Per Share	159.43	135.46	135.46	115.30	104.63
Tax and Other Ratios
Effective Tax Rate	0.22	0.36	0.36	0.31	0.39
Revenue Per Share	122.38	164.53	66.64	71.76	61.09
Net Income Per Share	24.64	19.15	19.15	12.45	7.77
Tax Burden	0.78	0.64	0.64	0.70	0.61
Interest Burden	1.01	1.00	1.00	1.00	1.01
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.00	2.26	1.45	0.50	4.24

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