Union Bank of India
Fundamental Score
Union Bank of India Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of UNIONBANK across key market metrics for learning purposes.
Positive Indicators
10 factors identified
Strong Return on Equity (17.05%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (59.80%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 6.37 vs Industry: 8.20)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Consistent Growth Track Record (23.67% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (35.65% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (50.74% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹93952.57 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (74.76%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Attractive Dividend Yield (3.08%)
Observation: Healthy dividend yield provides income component to returns.
Analysis: Dividend yield >3% offers income potential while indicating cash flow strength and shareholder-friendly policies.
Risk Factors
5 factors identified
Suboptimal ROCE (6.72%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 10.38)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Union Bank of India
About UNIONBANK
Business Overview
Union Bank of India provides banking products and services in India. It operates in four segments: Treasury Operations, Retail Banking Operations, Corporate and Wholesale Banking, and Other Banking Operations. The company offers savings, salary, and current accounts; term deposits; retail loans comprising home, vehicle, and education, loans; personal, MSME, agriculture, foreign currency, and gold loans; loans against the property; loans for senior citizen and pensioners; and debit, credit, and gift cards. It also provides corporate loans, such as line of credit, trade finance, working capital, project financing, and channel finance; wealth management; mutual funds; life, non-life, and health insurance products; and government saving and international schemes. In addition, the company offers app, internet, doorstep, explore digital, self-service, ATM, and SMS banking services; safe deposit locker and cheque collection; positive pay and cash management systems; point of sale terminal and immediate payment; and demat and online trading services. Further, it provides ECGC cover and foreign exchange; derivatives; export and import; NRI banking; remittance; treasury; and other products and services. Union Bank of India was incorporated in 1919 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
UNIONBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Union Bank of India (UNIONBANK)?
As of 30 Jan 2026, 01:37 pm IST, Union Bank of India (UNIONBANK) is currently trading at ₹180.76. The stock has a market capitalization of ₹1.18L (Cr).
Is UNIONBANK share price Overvalued or Undervalued?
UNIONBANK is currently trading at a P/E ratio of 6.37x, compared to the industry average of 8.20x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Union Bank of India share price?
Key factors influencing UNIONBANK's price include its quarterly earnings growth (Sales Growth: -0.82%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Union Bank of India a good stock for long-term investment?
Union Bank of India shows a 5-year Profit Growth of 50.74% and an ROE of 17.05%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 10.38 before investing.
How does Union Bank of India compare with its industry peers?
Union Bank of India competes with major peers in the Public Sector Bank. Investors should compare UNIONBANK's P/E of 6.37x and ROE of 17.05% against the industry averages to determine its competitive standing.
What is the P/E ratio of UNIONBANK and what does it mean?
UNIONBANK has a P/E ratio of 6.37x compared to the industry average of 8.20x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹6 for every ₹1 of annual earnings.
How is UNIONBANK performing according to Bull Run's analysis?
UNIONBANK has a Bull Run fundamental score of 53.8/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does UNIONBANK belong to?
UNIONBANK operates in the Public Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Union Bank of India.
What is Return on Equity (ROE) and why is it important for UNIONBANK?
UNIONBANK has an ROE of 17.05%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Union Bank of India generates profits from shareholders' equity.
How is UNIONBANK's debt-to-equity ratio and what does it indicate?
UNIONBANK has a debt-to-equity ratio of 10.38, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is UNIONBANK's dividend yield and is it a good dividend stock?
UNIONBANK offers a dividend yield of 3.08%, which means you receive ₹3.08 annual dividend for every ₹100 invested.
How has UNIONBANK grown over the past 5 years?
UNIONBANK has achieved 5-year growth rates of: Sales Growth 23.67%, Profit Growth 50.74%, and EPS Growth 35.65%.
What is the promoter holding in UNIONBANK and why does it matter?
Promoters hold 74.76% of UNIONBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is UNIONBANK's market capitalization category?
UNIONBANK has a market capitalization of ₹117756 crores, placing it in the Large-cap category.
How volatile is UNIONBANK stock?
UNIONBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for UNIONBANK?
UNIONBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is UNIONBANK's operating profit margin trend?
UNIONBANK has a 5-year average Operating Profit Margin (OPM) of 59.80%, indicating the company's operational efficiency.
How is UNIONBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -0.82% and YoY Profit Growth of -6.84%.
What is the institutional holding pattern in UNIONBANK?
UNIONBANK has FII holding of 7.86% and DII holding of 11.70%. Significant institutional holding often suggests professional confidence in the stock.