Union Bank of India Limited (UNIONBANK) AI Stock Analysis

• Market Cap: ₹1.03T
• Dividend Yield: 3.53%
• Average Volume (3M): 626.63K
• Price to Earnings (P/E): 5.5
• Beta (1Y): 1.38
• Revenue Growth: 7.65%
• EPS Growth: 28.06%
• Country: IN
• Employees: 75,866
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 21.60
• Shares Outstanding: 7,633,605,500
• 10 Day Avg. Volume: 506,792
• 30 Day Avg. Volume: 626,627
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹147.00
• Price Target Upside: 10.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: ₹149.00 ▲(12.03% Upside)

Union Bank of India's strong financial performance is the most significant factor driving its stock score, supported by robust revenue growth and profitability. The valuation is attractive, with a low P/E ratio and a solid dividend yield. However, technical indicators suggest some short-term bearish trends, which slightly offset the overall positive outlook.

Union Bank of India Limited Business Overview & Revenue Model

Company Description

Union Bank of India Limited (UNIONBANK) is a leading public sector bank in India, providing a wide range of financial services including retail banking, corporate banking, international banking, and treasury operations. The bank operates through an extensive network of branches and ATMs across the country, offering a variety of products such as savings and current accounts, loans, credit cards, and investment services. Union Bank of India is committed to delivering innovative banking solutions and maintaining a strong customer focus.

How the Company Makes Money

Union Bank of India Limited makes money primarily through interest income from its lending activities, which include personal, home, and business loans. The bank also earns revenue from fees and commissions on various banking services, including processing fees for loans, transaction fees from debit and credit card usage, and charges for account maintenance. Additionally, the bank generates income through its treasury operations by investing in government securities, bonds, and other financial instruments. Union Bank of India also benefits from partnerships and collaborations with financial technology firms and other institutions, which enhance its service offerings and contribute to its earnings.

Union Bank of India Limited Financial Statement Overview

Summary

Union Bank of India shows strong financial performance with robust revenue growth, solid profitability, and efficient cash generation. The balance sheet is stable with manageable debt levels, although continuous monitoring is required.

Income Statement

Union Bank of India has shown a strong revenue growth trajectory, with a significant increase in total revenue from 2024 to 2025. The net profit margin and gross profit margin are robust, indicative of efficient cost management and profitability. Despite fluctuations in EBIT and EBITDA margins over the years, the latest metrics indicate solid operational profitability.

Balance Sheet

The bank maintains a healthy equity ratio, suggesting a stable capital structure with adequate assets backing liabilities. The debt-to-equity ratio is moderate, indicating manageable leverage levels. Return on equity has improved, reflecting enhanced shareholder value creation. However, the total debt level, while controlled, requires continuous monitoring.

Cash Flow

The cash flow analysis reveals strong free cash flow growth, reinforcing Union Bank's ability to generate cash from operations. The operating cash flow to net income and free cash flow to net income ratios are favorable, indicating efficient cash conversion. Despite previous years' fluctuations, the current cash flow situation is solid.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	924.10B	1.30T	1.19T	951.64B	817.54B	831.66B
Gross Profit	576.86B	592.46B	551.78B	471.32B	413.75B	225.80B
EBITDA	184.69B	245.08B	224.92B	128.91B	93.04B	42.37B
Net Income	180.27B	180.27B	137.97B	85.12B	52.65B	28.63B
Balance Sheet
Total Assets	15.11T	15.11T	14.02T	12.88T	11.94T	10.82T
Cash, Cash Equivalents and Short-Term Investments	1.32T	1.32T	1.20T	1.13T	1.20T	847.63B
Total Debt	274.90B	274.90B	269.74B	621.40B	543.40B	558.49B
Total Liabilities	13.97T	13.97T	13.04T	12.10T	11.23T	10.18T
Stockholders Equity	1.14T	1.14T	975.98B	788.04B	708.61B	647.38B
Cash Flow
Free Cash Flow	0.00	158.10B	295.94B	30.46B	355.89B	198.08B
Operating Cash Flow	0.00	174.79B	312.42B	61.11B	363.39B	205.27B
Investing Cash Flow	0.00	-18.91B	-13.94B	-25.61B	-5.58B	-6.01B
Financing Cash Flow	0.00	-35.50B	-114.89B	-106.54B	-7.86B	363.47B

Union Bank of India Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 133.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UNIONBANK, the sentiment is Negative. The current price of 133 is below the 20-day moving average (MA) of 133.13, below the 50-day MA of 138.37, and above the 200-day MA of 123.51, indicating a neutral trend. The MACD of -0.65 indicates Negative momentum. The RSI at 43.67 is Neutral, neither overbought nor oversold. The STOCH value of 43.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:UNIONBANK.

Union Bank of India Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BANKBARODA	76 Outperform	₹1.24T	6.39		3.47%	7.78%	2.18%
UNIONBANK	74 Outperform	₹1.03T	5.47		3.53%	7.65%	28.06%
CANBK	72 Outperform	₹987.34B	5.39		3.67%	9.22%	18.54%
PNB	70 Outperform	₹1.21T	7.20		2.76%	15.52%	37.23%
IDBI	70 Outperform	₹1.02T	12.90		2.22%	16.28%	25.78%
Sector *	68 Neutral	$17.60B	11.93	10.30%	3.77%	9.67%	0.38%
BANKINDIA	67 Neutral	₹522.87B	5.53		3.52%	18.55%	31.54%

Union Bank of India Limited Corporate Events

Union Bank of India Reports Strong Growth in Domestic Retail Advances

Union Bank of India has reported a year-on-year growth in its total business by 5.01% as of June 30, 2025. The bank’s domestic RAM advances increased by 10.31%, while domestic retail advances saw a significant rise of 25.60%. These figures indicate a strong performance in the domestic market, particularly in retail banking, which could enhance the bank’s competitive position and stakeholder confidence.

Union Bank of India Releases 2024-25 Sustainability Report

Union Bank of India has submitted its Business Responsibility and Sustainability Report for the fiscal year 2024-25, in compliance with SEBI regulations. This report, available on the bank’s website, outlines the bank’s commitment to sustainable business practices, potentially enhancing its reputation and stakeholder trust in the financial sector.