Union Bank of India Limited (IN:UNIONBANK)
:UNIONBANK
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Union Bank of India Limited
(UNIONBANK)
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Rating:66Neutral
Price Target:
₹191.00
▲(17.61% Upside)
Action:DowngradedDate:04/27/26
The score is driven by attractive valuation (low P/E and a dividend), partially offset by financial-quality concerns from the latest period—especially the sharp cash flow deterioration and higher leverage. Technical indicators are mixed and do not provide strong positive confirmation.
Positive Factors
Profitability improvement
Sustained profit growth and materially higher margins reflect sustained operating leverage and improved credit/outcome mix. Over a multi‑month horizon this supports internal capital accumulation, reinvestment into lending and digital initiatives, and greater resilience to cyclical earnings pressure.
Negative Factors
Recent revenue decline
A falling and uneven top line suggests growth is not yet self‑sustaining and that recent profit gains rely more on margins or one‑off effects. Over the medium term, persistent top‑line weakness would constrain net interest income expansion and limit capacity to scale lending without margin compression.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability improvement
Sustained profit growth and materially higher margins reflect sustained operating leverage and improved credit/outcome mix. Over a multi‑month horizon this supports internal capital accumulation, reinvestment into lending and digital initiatives, and greater resilience to cyclical earnings pressure.
Read all positive factors
Union Bank of India Limited (UNIONBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.25T
Dividend Yield3.15%
Average Volume (3M)506.26K
Price to Earnings (P/E)5.7
Beta (1Y)1.32
Revenue Growth-0.57%
EPS Growth7.81%
CountryIN
Employees75,866
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)24.22
Shares Outstanding7,633,605,500
10 Day Avg. Volume279,043
30 Day Avg. Volume506,265
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)1.01
Price to Sales (P/S)1.05
P/FCF Ratio33.98
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)23.91
Revenue Forecast (FY)₹601.16B
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 makes money through interest income and fee-based income. (1) Net interest income: The bank earns interest on loans and advances (retail, MSME, agriculture, and corporate credit) and on investments (such as government...
Union Bank of India Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.30T | 1.28T | 1.30T | 1.19T | 951.64B | 817.54B |
| Gross Profit | 440.39B | 565.95B | 593.40B | 551.78B | 471.32B | 415.76B |
| EBITDA | 228.90B | 254.88B | 246.14B | 224.92B | 129.72B | 60.10B |
| Net Income | 184.88B | 194.30B | 180.27B | 137.97B | 85.12B | 52.65B |
Balance Sheet | ||||||
| Total Assets | 14.90T | 15.88T | 15.11T | 14.02T | 12.88T | 11.94T |
| Cash, Cash Equivalents and Short-Term Investments | 1.14T | 960.43B | 1.32T | 1.20T | 1.13T | 1.20T |
| Total Debt | 691.97B | 777.98B | 274.90B | 269.74B | 621.40B | 543.40B |
| Total Liabilities | 13.64T | 14.54T | 13.97T | 13.04T | 12.10T | 11.23T |
| Stockholders Equity | 1.26T | 1.33T | 1.14T | 975.98B | 788.04B | 708.61B |
Cash Flow | ||||||
| Free Cash Flow | 232.24B | 39.75B | 158.10B | 295.94B | 30.46B | 355.89B |
| Operating Cash Flow | 240.66B | 71.99B | 174.79B | 312.42B | 61.11B | 363.39B |
| Investing Cash Flow | -46.11B | -864.93B | -18.91B | -13.94B | -25.61B | -5.58B |
| Financing Cash Flow | -375.89B | 441.49B | -35.50B | -114.89B | -106.54B | -7.86B |
Union Bank of India Limited Technical Analysis
Positive
162.40
Price Trends
182.78
Positive
171.14
Positive
155.06
Positive
Market Momentum
1.88
Negative
57.08
Neutral
89.17
Negative
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 178.31, below the 50-day MA of 182.78, and above the 200-day MA of 155.06, indicating a bullish trend. The MACD of 1.88 indicates Negative momentum. The RSI at 57.08 is Neutral, neither overbought nor oversold. The STOCH value of 89.17 is Negative, 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹1.37T | 7.03 | ― | 2.86% | 4.07% | -4.72% | |
75 Outperform | ₹1.22T | 6.69 | ― | 2.66% | 4.68% | 23.02% | |
75 Outperform | ₹1.25T | 6.40 | ― | 2.40% | 10.10% | 2.56% | |
74 Outperform | ₹631.46B | 5.82 | ― | 2.87% | 10.67% | 15.26% | |
70 Outperform | ₹805.57B | 8.22 | ― | 2.08% | 4.62% | 20.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.25T | 5.69 | ― | 3.15% | -0.57% | 7.81% |
* Financial Sector Average
IN:UNIONBANK
Union Bank of India Limited
163.70
41.68
34.16%
IN:BANKBARODA
Bank of Baroda
265.10
24.16
10.03%
IN:BANKINDIA
Bank of India
138.70
26.42
23.53%
IN:CANBK
Canara Bank
134.90
41.12
43.85%
IN:IDBI
IDBI Bank Limited
74.92
-4.30
-5.43%
IN:PNB
Punjab National Bank
108.80
12.20
12.63%
Union Bank of India Limited Corporate Events
Union Bank of India Posts Audio of FY26 Earnings Call for Investor Access
Apr 23, 2026
Union Bank of India has notified the exchanges that the audio recording of its post-earnings call held on April 23, 2026, discussing the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026, has been ...
Union Bank of India Schedules April 23 Earnings Call for FY 2025-26 Results
Apr 20, 2026
Union Bank of India has scheduled an earnings call with analysts and investors on April 23, 2026, to discuss its audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. The virtual group call, to be led...
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.