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Union Bank (I)

  • Market Cap: Large Cap
  • Industry: Public Banks
  • ISIN: INE692A01016
  • NSEID: UNIONBANK
  • BSEID: 532477
INR
118.85
2.1 (1.8%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 64.67 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

117.65120.30

52 Week

100.75172.45
Valuation
Technical
Day's Volume

CASH

64.67 lacs (-41.89%) Volume

Shareholding (Dec 2024)

FII

6.46%

Held by 530 FIIs

DII

11.94%

Held by 168 DIIs

Promoter

74.76%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Strong Provisioning Practices with a Provision Coverage Ratio of 75.63%

 
2

Strong Long Term Fundamental Strength with a 44.66% CAGR growth in Net Profits

 
3

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 29.05% and Net profit at 44.66%

 
4

Positive results in Dec 24

5

Stock is technically in a Mildly Bearish range

6

With ROA of 1.2, it has a Very Attractive valuation with a 0.8 Price to Book Value

7

Majority shareholders : Promoters

 
8

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Public Banks

stock-summary
Market cap

INR 90,725 Cr (Large Cap)

stock-summary
Dividend Yield

3.08%

stock-summary
CAR

14.89%

stock-summary
Return on Assets

1.24%

stock-summary
Net NPA

0.82%

stock-summary
Gross NPA

3.85%

Revenue and Profits (1 Year):
Int. Earned:
26,957.93 Cr
(Quarterly Results - Dec 2024)
Net Profit:
4,604 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (3.08%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
4.16%
0%
4.16%
1 Year
-21.24%
2.33%
-18.91%
2 Years
74.34%
8.93%
83.27%
3 Years
173.53%
23.48%
197.01%
4 Years
213.59%
23.10%
236.69%
5 Years
311.96%
37.12%
349.08%

Latest dividend: 3.6 per share ex-dividend date: Jul-19-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
29.05%
Net Profit Growth (5y)
44.66%
Advance to Deposit
70.41%
Capital Adequacy Ratio (Tier 1)
12.49%
Gross NPA (latest)
3.85%
Gross NPA (avg)
8.34%
Coverage Ratio (avg)
75.63%
Cost to Income (avg)
45.91%
Net Interest Margin (avg)
2.83%
Operating Profit to Assets (avg)
3.93%
ROA (avg)
0.67%
Valuation key factors
Factor
Value
P/E Ratio
5
Price to Book Value
0.80
PEG Ratio
0.26
Dividend Yield
3.08%
ROE (Latest)
14.62%
ROA (Latest)
1.24%
Net NPA to Book Value
6.78
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 32 Schemes (3.67%)

FIIs

Held by 530 FIIs (6.46%)

Promoter with highest holding

President Of India (74.76%)

Highest Public shareholder

Lici Index Plus Flexi Growth Fund (6.35%)

Individual Investors Holdings

6.22%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 0.93% vs 1.3% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -2.46% vs 28.29% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 26957.93,
          "val2": 26708.43,
          "chgp": "0.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "7,491.82",
          "val2": "8,112.76",
          "chgp": "-7.65%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.82%",
          "val2": "0.98%",
          "chgp": "-0.16%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.85%",
          "val2": "4.36%",
          "chgp": "-0.51%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "4,603.63",
          "val2": "4,719.74",
          "chgp": "-2.46%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 10.42% vs 26.97% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 24.46% vs 98.11% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 53072.82,
          "val2": 48064.91,
          "chgp": "10.42%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "15,898.07",
          "val2": "14,400.16",
          "chgp": "10.40%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.98%",
          "val2": "1.30%",
          "chgp": "-0.32%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.36%",
          "val2": "6.38%",
          "chgp": "-2.02%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "8,398.59",
          "val2": "6,747.86",
          "chgp": "24.46%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 8.99% vs 25.01% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 25.77% vs 82.94% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 80030.75,
          "val2": 73427.87,
          "chgp": "8.99%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "23,389.89",
          "val2": "21,677.71",
          "chgp": "7.90%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.82%",
          "val2": "1.08%",
          "chgp": "-0.26%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.85%",
          "val2": "4.83%",
          "chgp": "-0.98%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "13,002.22",
          "val2": "10,337.77",
          "chgp": "25.77%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 23.57% vs 18.84% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 61.84% vs 61.18% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 99777.96,
          "val2": 80743.34,
          "chgp": "23.57%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "28,210.63",
          "val2": "25,467.16",
          "chgp": "10.77%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "1.03%",
          "val2": "1.70%",
          "chgp": "-0.67%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "4.76%",
          "val2": "7.53%",
          "chgp": "-2.77%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "13,648.31",
          "val2": "8,433.27",
          "chgp": "61.84%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
26957.93
26708.43
0.93%
Operating Profit (PBDIT)
7,491.82
8,112.76
-7.65%
% of Net NPAs
0.82%
0.98%
-0.16%
% of Gross NPAs
3.85%
4.36%
-0.51%
Exceptional Items
0.00
0.00
Net Profit
4,603.63
4,719.74
-2.46%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 0.93% vs 1.3% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is -2.46% vs 28.29% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
53072.82
48064.91
10.42%
Operating Profit (PBDIT)
15,898.07
14,400.16
10.40%
% of Net NPAs
0.98%
1.30%
-0.32%
% of Gross NPAs
4.36%
6.38%
-2.02%
Exceptional Items
0.00
0.00
Net Profit
8,398.59
6,747.86
24.46%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 10.42% vs 26.97% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 24.46% vs 98.11% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
80030.75
73427.87
8.99%
Operating Profit (PBDIT)
23,389.89
21,677.71
7.90%
% of Net NPAs
0.82%
1.08%
-0.26%
% of Gross NPAs
3.85%
4.83%
-0.98%
Exceptional Items
0.00
0.00
Net Profit
13,002.22
10,337.77
25.77%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 8.99% vs 25.01% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 25.77% vs 82.94% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
99777.96
80743.34
23.57%
Operating Profit (PBDIT)
28,210.63
25,467.16
10.77%
% of Net NPAs
1.03%
1.70%
-0.67%
% of Gross NPAs
4.76%
7.53%
-2.77%
Exceptional Items
0.00
0.00
Net Profit
13,648.31
8,433.27
61.84%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 23.57% vs 18.84% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 61.84% vs 61.18% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Union Bank of India stock-summary
stock-summary
Union Bank of India
Large Cap
Public Banks
Union Bank of India is one of largest state-owned banks in India. The Bank is a listed entity and the Government of India holds 74.76% in Bank's Total Share Capital. The Bank has international presence with 3 overseas branches at Hong Kong, DIFC (Dubai) and Sydney (Australia). In addition, it has representative offices at Shanghai, Beijing and Abu Dhabi. It operate in United Kingdom through its wholly owned subsidiary, Union Bank of India (UK) Ltd.
Company Coordinates stock-summary
Company Details
239 Vidhan Bhavan Marg, Nariman Point UnionBank Bhavan Mumbai Maharashtra : 400021
stock-summary
Tel: 91-22-22896643/636
stock-summary
http://www.unionbankofindia.co.in
stock-summary
investorservices@unionbankofindia.c
Registrar Details
Datamatics Financial Services Ltd , (Formerly Datamatics Financial Services Ltd) , Plot No A / 16 & A / 17, MIDC, Part B, Cross Lane, Marol , Andheri (E), Mumbai
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