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UNION BANK OF INDIA
Intrinsic Value | Fundamental Analysis

BOM : 532477     NSE : UNIONBANK    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Good [Stock is Cheap]
NPA (Non Performing Assets) : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Neutral
Price Momentum : Upward
Pledged Shares : None or < 25%
Apr 04,2025
Price(EOD): ₹ 122.20
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Public
MCap: ₹ 93,282.59 Cr
Value of ₹ 1 Lac invested in UNION BANK OF INDIA
on Apr 07,2020 (price: ₹ 28.95)

₹ 1 L

₹ 4.22 L

1W : -3.2% 1M : 8.4% 1Y : -16.3%
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Industry Peers & Returns1W1M1Y
UNION BANK OF INDIA -3.2% 8.4% -16.3%
STATE BANK OF INDIA -0.5% 7.2% 1.5%
PUNJAB NATIONAL BANK 0.5% 10.9% -21.9%
BANK OF BARODA 2.6% 19.5% -12.8%
INDIAN OVERSEAS BANK -5.3% -14.2% -41.7%
CANARA BANK 1.6% 10.4% -20.7%
INDIAN BANK 0.6% 8.2% 3%
UCO BANK -16.5% -16.7% -44.8%
BANK OF INDIA 4.2% 16.3% -18.5%

FUNDAMENTAL ANALYSIS OF UNION BANK OF INDIA

 
Fundamentals Score
[ Q(TTM): Dec2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 UNIONBANK is one of the top 37% companies with good fundamentals ! Discover More →

VALUATION OF UNION BANK OF INDIA

 
Valuation Score
[As on : Apr 04,2025 ]

Ratio Consolidated
P/E
P/B
P/S
5.75
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 16,229.80 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

0.96
P/B Calculated based on Book Value of Rs 97,597.70 Cr
[Latest Year - Mar2024 - Consolidated Results ]

0.87
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 107,058.00 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

Financial Ratios →

Insights 💡 UNIONBANK is one of the potential top 22% undervalued companies ! Discover More →

FAIR VALUE OF UNION BANK OF INDIA

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
-52%
-59%
137%

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SHARE PRICE MOMENTUM OF UNION BANK OF INDIA


Insights 💡 UNIONBANK is one of the top 45% companies with bullish price momentum currently! Discover More →

UNION BANK OF INDIA vs SENSEX


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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
1.03
1.7
3.68
2.14

PLEDGED PROMOTER SHARES OF UNION BANK OF INDIA

Pledged Promoter Shares
0 %
As on : Dec2024

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF UNION BANK OF INDIA

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
0.92%
-7.79%
-8.07%
-2.64%
6.32%
2.4%
6.02%
27.33%
QtrlyTrend
2
Latest Qtr: Dec2024
Quarterly Result Analysis →


UNION BANK OF INDIA related INDICES

BSE Indices1W1M1Y
BSE ALLCAP NA 7% 4.8%
BSE FINANCIAL SERVICES -1% 7.5% 9.7%
BSE PSU -2.1% 11.3% -4.3%
BSE ENHANCED VALUE INDEX -2.7% 5.7% -2%
BSE 100 LARGECAP TMC INDEX -2.9% 4.1% 0.8%
NSE Indices1W1M1Y
NIFTY MIDSMALL FINANCIAL SERVICES 0.4% 9.3% 12.5%
NIFTY PSU BANK -0.5% 11.3% -11.9%
NIFTY HIGH BETA 50 -1.7% 9.2% -12.8%
NIFTY MIDCAP 100 -2.3% 5.6% 3.5%
NIFTY 500 EQUAL WEIGHT -2.4% 6.4% NA

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FAQ about UNION BANK OF INDIA


Is UNION BANK OF INDIA good for long term investment?

As on Apr 04,2025, the Fundamentals of UNION BANK OF INDIA look Strong and hence it may be good for long term investment! See Financial Performance of UNION BANK OF INDIA. Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is UNION BANK OF INDIA UnderValued or OverValued?

As on Apr 04,2025, UNION BANK OF INDIA is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of UNION BANK OF INDIA ?

As on Apr 04,2025, the Intrinsic Value of UNION BANK OF INDIA is Rs. 257.04 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 257.04
Fair Value [Median EV / Sales Model] : Rs. 298.90
Fair Value [Median Price / Sales Model] : Rs. 51.58
Estimated Median Fair Value of UNION BANK OF INDIA : Rs. 257.04

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is UNION BANK OF INDIA trading at a Premium or Discount?

As on Apr 04,2025, UNION BANK OF INDIA is trading at a Discount of -52% based on the estimates of Median Intrinsic Value!