Union Bank of India Limited (IN:UNIONBANK)
:UNIONBANK
Top Page
Union Bank of India Limited
(UNIONBANK)
Select Model
Select Model
Rating:82Outperform
Price Target:
₹230.00
▲(41.63% Upside)
Action:ReiteratedDate:01/15/26
Score is driven primarily by strong financial performance (revenue/profitability and robust cash generation) and attractive valuation (low P/E and solid dividend yield). Technicals are positive but somewhat overheated (high RSI/Stoch), moderating the overall rating.
Positive Factors
Revenue and profitability trajectory
Consistent revenue growth and robust reported margins indicate the bank's business mix and cost management are producing sustainable earnings. This strengthens the ability to fund credit growth, maintain provisioning buffers and invest in products, supporting durable earnings and cash generation.
Negative Factors
Debt levels need monitoring
Although leverage is described as moderate, ongoing monitoring is required: rising wholesale funding costs or refinancing needs could erode flexibility. Moderate debt limits the bank's capacity to quickly scale assets or absorb shocks without affecting liquidity or margins.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability trajectory
Consistent revenue growth and robust reported margins indicate the bank's business mix and cost management are producing sustainable earnings. This strengthens the ability to fund credit growth, maintain provisioning buffers and invest in products, supporting durable earnings and cash generation.
Read all positive factors
Union Bank of India Limited (UNIONBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.42T
Dividend Yield3.15%
Average Volume (3M)506.26K
Price to Earnings (P/E)5.8
Beta (1Y)1.30
Revenue Growth3.86%
EPS Growth19.14%
CountryIN
Employees75,866
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.60
Shares Outstanding7,633,605,500
10 Day Avg. Volume279,043
30 Day Avg. Volume506,265
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.79
Price to Sales (P/S)0.69
P/FCF Ratio5.68
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹180.00Price Target Upside10.84% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)24.4
Revenue Forecast (FY)₹614.55B
Union Bank of India Limited Business Overview & Revenue Model
Company Description
Union Bank of India provides various banking products and services. It operates through four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings and cu...
How the Company Makes Money
Union Bank of India primarily generates revenue through the interest income earned from its lending activities. The bank lends money to individuals and businesses at a higher interest rate than the rates it pays on customer deposits, creating a sp...
Union Bank of India Limited Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.30T | 1.30T | 1.19T | 951.64B | 817.54B | 831.66B |
| Gross Profit | 440.39B | 593.40B | 551.78B | 471.32B | 415.76B | 390.53B |
| EBITDA | 228.90B | 246.14B | 224.92B | 129.72B | 60.10B | 36.78B |
| Net Income | 184.88B | 180.27B | 137.97B | 85.12B | 52.65B | 28.63B |
Balance Sheet | ||||||
| Total Assets | 14.90T | 15.11T | 14.02T | 12.88T | 11.94T | 10.82T |
| Cash, Cash Equivalents and Short-Term Investments | 1.14T | 1.32T | 1.20T | 1.13T | 1.20T | 847.63B |
| Total Debt | 691.97B | 274.90B | 269.74B | 621.40B | 543.40B | 558.49B |
| Total Liabilities | 13.64T | 13.97T | 13.04T | 12.10T | 11.23T | 10.18T |
| Stockholders Equity | 1.26T | 1.14T | 975.98B | 788.04B | 708.61B | 647.38B |
Cash Flow | ||||||
| Free Cash Flow | 232.24B | 158.10B | 295.94B | 30.46B | 355.89B | 198.08B |
| Operating Cash Flow | 240.66B | 174.79B | 312.42B | 61.11B | 363.39B | 171.72B |
| Investing Cash Flow | -46.11B | -18.91B | -13.94B | -25.61B | -5.58B | -6.01B |
| Financing Cash Flow | -375.89B | -35.50B | -114.89B | -106.54B | -7.86B | 363.47B |
Union Bank of India Limited Technical Analysis
Positive
162.40
Price Trends
181.80
Positive
169.43
Positive
153.83
Positive
Market Momentum
-1.21
Negative
54.95
Neutral
75.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UNIONBANK, the sentiment is Positive. The current price of 162.4 is below the 20-day moving average (MA) of 176.26, below the 50-day MA of 181.80, and above the 200-day MA of 153.83, indicating a bullish trend. The MACD of -1.21 indicates Negative momentum. The RSI at 54.95 is Neutral, neither overbought nor oversold. The STOCH value of 75.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:UNIONBANK.
Union Bank of India Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | ₹1.42T | 5.78 | ― | 3.15% | 3.86% | 19.14% | |
81 Outperform | ₹1.43T | 7.03 | ― | 2.86% | 4.40% | -3.84% | |
75 Outperform | ₹1.26T | 6.69 | ― | 2.66% | 8.89% | 19.79% | |
75 Outperform | ₹1.28T | 6.40 | ― | 2.40% | 12.10% | 12.93% | |
74 Outperform | ₹666.74B | 5.82 | ― | 2.87% | 14.34% | 20.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹791.27B | 14.17 | ― | 2.08% | 11.31% | 37.17% |
* Financial Sector Average
IN:UNIONBANK
Union Bank of India Limited
184.65
70.66
61.99%
IN:BANKBARODA
Bank of Baroda
274.00
49.34
21.96%
IN:BANKINDIA
Bank of India
144.25
39.89
38.22%
IN:CANBK
Canara Bank
137.90
50.58
57.92%
IN:IDBI
IDBI Bank Limited
72.06
-5.79
-7.44%
IN:PNB
Punjab National Bank
109.60
16.28
17.45%
Union Bank of India Limited Corporate Events
Fitch Affirms Union Bank of India at ‘BBB-’ and Upgrades Viability Rating on Stronger Financial Profile
Feb 25, 2026
Union Bank of India has had its long-term and short-term issuer default ratings affirmed by Fitch Ratings at BBB- with a Stable outlook and F3, respectively, while its viability rating was upgraded to bb, alongside an upgrade to its long-term ex-g...
Union Bank of India Discloses Outcome of Investor Meet With Kuwait Investment Office
Feb 20, 2026
Union Bank of India disclosed that its representatives held a one-to-one, in-person investors and analysts meeting with Kuwait Investment Office in London on 20 February 2026, from 6:30 p.m. to 7:30 p.m. IST. The bank stated that only publicly ava...
Union Bank of India details institutional investor meetings at Systematix MANTHAN conference
Feb 9, 2026
Union Bank of India disclosed that its representatives participated in the ‘MANTHAN- Systematix India Annual Conference’ hosted by Systematix Shares and Stocks (India) Limited in Mumbai on 9 February 2026. The bank held in-person group...
Union Bank of India Elevates Sarvesh Ranjan as Chief General Manager After Senior Executive’s Superannuation
Feb 1, 2026
Union Bank of India has announced a key change in its senior management, with Chief General Manager Bhaskara Rao Kare superannuating from the bank effective 31 January 2026. To fill this leadership gap, the bank has elevated General Manager Sarves...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.